Last Updated July 20, 2026
PLEASE READ THIS PRIVACY POLICY CAREFULLY. IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS POLICY, YOU SHOULD NOT ACCESS OR USE OUR SERVICES.
This Privacy Policy describes how PAY2DAY Solutions, Inc. (“Authvia,” “we,” “us,” or “our”) collects, uses, and shares Personal Information through the use of our Services. Authvia is committed to protecting the privacy of your Personal Information. The objective of this Privacy Policy is to disclose and explain what information we collect, use, and share.
HOW DO WE COLLECT AND USE YOUR INFORMATION?
Authvia respects your privacy and is committed to protecting your Personal Information and Payment Data.
“Personal Information” means any information that directly or indirectly identifies you or is reasonably capable of being associated with you or your household information about you, including your identity, finances and online behavior, or such broader meanings as given under the definitions of Personal Information, personal data, personally identifiable information, or other like terms under applicable U.S. and Canadian privacy laws.
“Payment Data” refers to any data related to a payment transaction, including information about the payer, payee, payment method, transaction details, and authorization credentials.
In this Privacy Policy we explain how we collect, use, disclose, and safeguard your information when you use our Services.
Information We Collect
The Personal Information we collect from you depends on how you interact with us. We may collect information that (i) you provide directly to us, (ii) is collected automatically through your use of our services and website, or (iii) we receive from our clients or other third-party sources.
Information Collected Directly. When you use the Services, we collect Personal Information that you provide directly to us, including your name, email address, mailing or billing address, and phone number. We may also collect Payment Data necessary to process transactions, such as credit card, debit card, or bank account information.
Information Collected Automatically. We may automatically collect certain information about your device, browser or network, including device identifiers (such as IP addresses), browser type and version, operating system, internet service provider, preference settings, session information, and activity data, as well as usage of the Services (information about how you interact with the Services (such as timestamps, clicks, scrolling, browsing times, searches, transactions, load times, and problems you may encounter, such as loading errors) for purposes such as fraud prevention, security, and service improvement. We may also automatically collect cookies and similar technologies which are used for analytics and marketing (please see Cookies section).
We may also collect information you share with us in connection with surveys, contests or promotions and information we get from our partners to support our marketing initiatives and improve our services.
Information Received from Third Parties. When you transact with a merchant that uses Authvia Services, we receive transaction information from that business that may include your name, contact information, transaction amount and date, and in some cases information about the goods or services being purchased.
How We Use Your Information
We use your Personal Information and Payment Data that we collect to:
- Provide, operate, and maintain the Services;
- Process transactions and facilitate payments;
- Establish, monitor and maintain your account;
- Communicate with you regarding your use of the Services, respond to your inquiries or requests;
- Authenticate access to systems;
- Manage and protect Authvia’s network and Services;
- Detect, prevent, and address fraud, security, or technical issues;
- Help us improve and personalize our solutions;
- Comply with legal obligations.
We do not use your Personal Information for marketing purposes without your consent.
How We Share Your Information
We may share your Personal Information:
- With our corporate subsidiaries and affiliates and with their respective officers, directors, employees, accountants, attorneys and agents.
- With the company you are transacting with, as necessary to complete transactions or provide the Services;
- With service providers and vendors who perform services on our behalf (such as payment processors, hosting providers, and fraud prevention services), subject to confidentiality obligations;
- With our insurers and other professional advisors, including attorneys and accountants, that need access to your information to provide operational or other support services on our behalf.
- To comply with applicable law, legal process, or governmental requests, such as in response to subpoenas, warrants, court orders or other legal process;
- To enforce this Privacy Policy or protect or enforce the rights, property, or safety of Authvia, users, or others, to defend against a legal claim, and to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of this Privacy Policy or other contracts. ;
- In connection with a merger, divestiture, restructuring, reorganization, dissolution, sale, or transfer of assets.
- We may share your Personal Information to fulfill the purpose(s) disclosed by us when you provided your Personal Information and for which you have provided consent.
- We may disclose aggregated information about our users, and information that does not identify any specific individual, such as groupings of demographic data or customer preferences, for new services and marketing development.
How Long We Retain Your Personal Information
We retain Personal Information for as long as necessary to provide the Services, fulfill the purposes for which it was collected, comply with our business requirements and legal obligations, pursue legitimate business purposes, resolve disputes, and enforce our agreements.
We take reasonable steps to delete the Personal Information we collect when (a) we have a legal obligation to do so, (b) we no longer have a purpose for retaining the information, and (c) if you request that we delete your Personal Information, unless we determine that doing so would violate our existing, legitimate legal, regulatory, dispute resolution, contractual, or similar obligations. We may also decide to delete your Personal Information if we believe it is incomplete, inaccurate, or that our continued storage of your Personal Information is contrary to our legal obligations or business objectives.
We are required by law to maintain records of consumer requests submitted under the California Consumer Privacy Act and how we responded to such requests for at least twenty-four (24) months. We only use this information for recordkeeping purposes. If you are a resident of California, please see the California Residents section below for more information.
To the extent permitted by law, we may retain and use anonymous, de-identified, aggregated information for performance reporting, benchmarking, and analytic purposes and for product and service improvement. When we delete information, it will be removed from our active servers and databases; but it may remain in our archives when it is not practical or possible to delete it.
How We Secure Your Personal Information
We implement reasonable administrative, technical, and physical safeguards designed to protect the Personal Information we use or process from being accidentally lost, used, altered, or disclosed or accessed in any unauthorized manner. While our security measures seek to protect the Personal Information in our possession, no method of transmission over the Internet or electronic storage is completely secure. As a result, while we strive to protect your Personal Information, we cannot guarantee or warrant that your data will remain secure in all circumstances.
The safety and security of your Personal Information also depend upon you. Where you use a password for access to the Services and/or restricted parts of our website, you are responsible for keeping your password confidential. Do not share your password with anyone.
If we become aware that a data breach compromises your Personal Information, we will notify you and any applicable regulator when we are required to do so by applicable law. If you believe you need to report a security issue, please contact us through any method set forth in the Contact Us section.
Role of Authvia – Merchants
Authvia provides the Services to send or receive payments or otherwise interact with a third-party business (“Merchants”) and provides the Services on behalf of the Merchants. Authvia is not the merchant of record and is not responsible for the privacy practices of the applicable Merchants. Any information you provide to a particular Merchants may be subject to that Company’s privacy policy.
Payment Data
Payment Data is transmitted securely using industry-standard encryption and is typically processed and stored by third-party payment processors that comply with applicable payment card industry (PCI) standards. Authvia does not control the privacy or security practices of such third-party processors.
Cookies and Tracking Technologies
A “cookie” is a small file created by a web server that can be stored on your device (if you allow) for use either during a particular browsing session (a “session” cookie) or a future browsing session (a “persistent” or “permanent” cookie). “Session” cookies are temporarily stored on your hard drive and only last until they expire at the end of your browsing session. “Persistent” or “permanent” cookies remain stored on your hard drive until they expire or are deleted by you. In addition to cookies, there are other automatic data collection technologies, such as Internet tags, web beacons (clear gifs, pixel tags, and single-pixel gifs), and navigational data collection (log files, server logs, etc.) that can be used to collect data as users navigate through and interact with a website.
We may use cookies, device fingerprinting, and similar technologies to operate the Services, enhance user experience, derive aggregated analytics, and support fraud prevention and security. These technologies are not used for cross-context behavioral advertising. The legal basis for processing of strictly necessary cookies is our legitimate interest in the proper administration of our web-based services.
YOUR PRIVACY RIGHTS
Depending on your location, you may have certain rights regarding your Personal Information.
UNITED STATES PRIVACY RIGHTS
Residents of certain U.S. states, including California, and U.S. territories, may have additional rights under applicable privacy laws, including the right to request access to, correction, or deletion of Personal Information, and to opt out of certain processing activities. Authvia will honor such rights as required by applicable law.
California Residents
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA) and the California Online Privacy Protection Act (CalOPPA).
Requests to Know, Requests to Delete, and Requests to Correct. You also have the right to request that we (1) disclose the categories of Personal Information we collect, use, disclose, sell, and share and inform how we use it, (2) delete certain Personal Information that we have collected or maintain, and (3) correct certain inaccurate Personal Information collected or maintained by us. You may submit these requests to us as described below, and we honor these rights where they apply.
Authorized Agents. California residents also have the right to designate an authorized agent to make a request under the CCPA on your behalf. In this case, you need to provide the authorized agent written consent, and the agent will need to submit to us proof that such agent has been authorized by you. We will also require you to verify your own identity. In order to exercise your CCPA right, please contact us at the email address provided below.
Right to Limit Use and Disclosure of Sensitive Personal Information. As a California resident, you have a right to request that use and disclosure of Sensitive Personal Information be limited to certain purposes expressly permitted by the CCPA. We do not use or disclose Sensitive Personal Information for purposes other than those expressly permitted under the CCPA, and do not use or disclose Sensitive Personal Information to infer characteristics about consumers.
Notice of Right to Opt-Out of Sale/Sharing. As a California resident, you have the right to direct us to stop sharing your Personal Information with third parties for purposes of cross-context behavioral advertising and to refrain from doing so in the future. Cross-context behavioral advertising allows you to receive tailored advertisements based on Personal Information gathered from activity over time and across non-affiliated properties.
Non-Discrimination. You have the right not to receive discriminatory treatment by us due to your exercise of the rights provided by the CCPA and CPRA. We do not offer financial incentives and price or service differences, and we do not discriminate against consumers for exercising their rights under the CCPA and CPRA.
Residents of Colorado, Connecticut, Delaware, Florida, Iowa, Indiana, Montana, Nebraska, New Jersey, Oregon, Tennessee, Texas, Utah and Virginia (or other States and U.S. Territories that may have an applicable privacy law)
If you are a resident of Colorado, Connecticut, Delaware, Iowa, Indiana, Montana, Nebraska, New Jersey, Oregon, Tennessee, Texas, Utah and Virginia (or any other states or U.S. territories that may have applicable privacy law), you may have certain privacy rights under the applicable privacy laws in your state (“State Privacy Laws”). This section describes those rights and how you can exercise them with respect to our data practices.
You may have certain rights pursuant to the applicable State Privacy Laws, as described below:
- Right to Delete: You have the right to request that we delete your Personal Information in accordance with applicable State Privacy Laws. We may not delete all of your Personal Information if one of the following exceptions applies:
- To complete a transaction for which the Personal Information was collected, provide a good or service requested by you, or perform a contract we have with you;
- To detect data security incidents; preserve the integrity or security of systems; or investigate, report, or prosecute those responsible for any such action;
- To debug or repair any errors;
- To protect against fraud, harassment, malicious or deceptive activities, or illegal activity or to comply with applicable law or a legal obligation, or exercise rights under the law, such as the right to free speech; or
- To use your Personal Information, internally, in a lawful manner that is compatible with the context in which you provided the information (i.e., to improve our services).
- Right to Access: You have the right to request confirmation of whether we have processed your Personal Information and to access that information in a portable, and to the extent technically feasible, readily usable electronic format.
- Right to Correct: You can request to correct inaccuracies in your Personal Information, taking into account the information’s processing purpose.
- Right to Opt-Out of the Sale of Information: You have the right to request that we no sell your data to third parties; however, we do not sell data to third parties.
- Right to Appeal: If we are unable to fulfill a request that you have submitted, you may submit an appeal by contacting us using the information provided in the Contact Us section of this Privacy Policy within fourteen days of our decision. You must submit an appeal request, with a detailed reason for your appeal, as well as your state of residence. We will respond to your appeal within the timeframes required by law.
Processing Personal Information for Targeted Advertising. We may share certain of your Personal Information with our social media, data analytics, online advertising services, advertising networks and similar third parties for the purposes of targeted advertising and marketing. You can opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects including, but not limited to, automated processing performed on Personal Information to evaluate, analyze or predict personal aspects related to your economic situation, health, personal preferences, interests, reliability, behavior, location or movements (“Profiling”). To submit a request to opt out pursuant to this section, please contact us using the information provided in the Contact Us section of this Privacy Policy.
Please note that we will not be able to opt you out of Profiling where one of the following exceptions applies:
- To comply with applicable laws, rules or regulations, a civil, criminal, or regulatory inquiry, investigation, subpoena, or summons by governmental authorities; to cooperate with law enforcement; to investigate, exercise, prepare for or defend actual or anticipated legal claims; or to assist another party with any of its obligations under applicable laws;
- To prevent, detect, protect against, or respond to security incidents, identity theft, fraud, harassment, or malicious, deceptive, or illegal activity; preserve the integrity or security of systems; or investigate, report, or prosecute those responsible for any such action;
- To conduct internal research to improve, repair or develop products, services or technology;
- To provide a product or service specifically requested by you; to complete a transaction with you or to complete a contract we have with you; and
- To protect your vital interests or those of another individual.
By using the Services, you consent to the collection, use, and disclosure of your Personal Information as described in this Privacy Policy. Your information may be processed and stored outside of Canada, including in the United States, and may be subject to access by foreign governments, courts, or regulatory authorities.
To exercise any of these rights, please contact us using any of the methods listed in the Contact Authvia section of this Privacy Policy.
SPECIAL NOTICE REGARDING MINORS
The Authvia Services are not directed toward children under the age of 18 (“Minors”) nor are the Services intended to solicit information of any kind from Minors. Therefore, we do not knowingly collect, maintain, sell or share Personal Information of Minors. If we discover that a Minor has provided us with Personal Information, we will use commercially reasonable efforts to delete such Minor’s Personal Information from our system.
INTERNATIONAL TRANSFER OF PERSONAL INFORMATION
Your Personal Information may be collected, transferred to and stored by us in the United States or Canada via Authvia. If you are based in another country, your Personal Information may be transferred and processed outside your country or jurisdiction, including in places that are not subject to an adequacy decision by your local legislature or regulator, and that may not provide for the same level of data protection.
ARTIFICIAL INTELLIGENCE USE STATEMENT
We may use Artificial Intelligence (AI) technologies to enhance the quality and efficiency of our Services. We do not use AI technologies to make decisions about individuals. We strive to ensure that all AI systems are used in a transparent, fair, and responsible manner. AI outputs are regularly reviewed for accuracy and potential bias. We implement technical and organizational measures to oversee the performance and integrity of our AI systems. This includes ongoing monitoring, testing, and, where appropriate, human oversight. If you have any questions about our use of AI please contact us at privacy@authvia.com.
UPDATES AND CHANGES TO PERSONAL INFORMATION AND THIS POLICY
Accurate and Updated Personal Information
Our goal is to keep your Personal Information accurate, current, and complete. If any of the Personal Information you have provided to us changes, please update it in your user/account profile, or let us know via the “Contact Us” details at the end of this Privacy Policy. For example, if your email address changes, you may wish to let us know so that we can communicate with you. If you become aware of inaccurate Personal Information about you, you may want to update your information. We are not responsible for any losses arising from any inaccurate, inauthentic, deficient or incomplete personal data that you provide to us.
If you consent to receiving communications from a third party, such third party may have its own privacy policy, which will apply to you, and you will need to communicate with them directly if you later decide that you no longer wish to receive their communications. We will not discriminate against you for exercising your privacy rights.
If we are unable to fulfill a request that you have submitted, you may submit an appeal by contacting us using the information provided in the Contact Authvia section of this Privacy Policy within 14 days of our decision. You must submit an appeal request, with a detailed reason for your appeal, as well as your state of residence. We will respond to your appeal within the timeframes required by applicable law.
Updates and Changes to this Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted within the Services or otherwise communicated to you. Your continued use of the Services constitutes your acceptance of such changes. You are expected to, and you acknowledge and agree that it is your responsibility to, carefully review this Privacy Policy prior to and while using our Services and from time to time, so that you are aware of any changes.
Complaints
If you believe that your rights relating to your Personal Information have been violated, you may lodge a complaint with us by contacting us via the “Contact Us” details below.
Contact Us
If you have any requests concerning your Personal Information or any questions with regards to our Privacy Policy, please contact us via toll-free number at 833-288-4842, via email at privacy@authvia.com or via mail to Privacy Policy c/o Authvia, PO Box 67, Norton, MA 02766. When you contact us, please describe in as much detail as possible the nature of your inquiry.