Privacy Policy

Introduction

Healowpay.com ("we," "us," "our," or "Company") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services. Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our services.

We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the "Effective Date" of this Privacy Policy. Any changes or modifications will be effective immediately upon posting the updated Privacy Policy on our website, and you waive the right to receive specific notice of each such change or modification.

Information We Collect

How We Use Your Information

We use the information we collect for various purposes, including:

• • Processing Payments: To process, verify, and confirm your bill payments securely
• • Account Management: To create and maintain your account, manage your preferences, and provide customer support
• • Security and Fraud Prevention: To detect, prevent, and address fraud, abuse, and security incidents
• • Communications: To send you transactional emails, payment confirmations, and service updates
• • Marketing and Improvements: To understand your preferences, improve our services, and send promotional materials (with your consent)
• • Legal Compliance: To comply with applicable laws, regulations, and legal obligations
• • Analytics: To analyze usage patterns and improve the functionality and user experience of our platform

We will not use your personal information for purposes other than those stated in this Privacy Policy without obtaining your explicit consent. We take your privacy seriously and will only process your data in ways that are fair, transparent, and in compliance with applicable privacy laws.

Cookies and Tracking Technologies

Data Security

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security practices include:

• • SSL encryption for all data transmission
• • PCI DSS compliance for payment processing
• • Multi-factor authentication for account access
• • Regular security audits and penetration testing
• • Secure data storage with restricted access

While we strive to protect your information using reasonable security measures, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security, but we are committed to protecting your data to the best of our ability.

Data Retention

We retain your personal information for as long as necessary to provide our services, fulfill the purposes outlined in this Privacy Policy, and comply with applicable legal obligations. The retention period may vary depending on the type of information and the context of its use. Payment records are typically retained for a minimum of seven years to comply with financial regulations. You may request deletion of your personal information at any time, subject to legal and regulatory requirements. We will respond to such requests within the timeframe specified by applicable privacy laws.

Information Sharing and Disclosure

We may share your personal information with third parties in the following circumstances:

• • Service Providers: Payment processors, financial institutions, and other vendors who assist us in providing services
• • Legal Requirements: When required by law, court order, or government request
• • Business Transfers: In the event of a merger, acquisition, or sale of assets
• • Fraud Prevention: To prevent fraud and protect the security of our platform
• • Your Consent: With your explicit permission for other purposes

We require all third parties to maintain the confidentiality and security of your personal information and to use it only for the purposes for which it was disclosed.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• • Right to Access: Request a copy of the personal information we hold about you
• • Right to Correction: Request that we correct inaccurate or incomplete information
• • Right to Deletion: Request deletion of your personal information, subject to legal requirements
• • Right to Opt-Out: Opt out of marketing communications and data processing for marketing purposes
• • Right to Data Portability: Request your data in a portable format

To exercise any of these rights, please contact us using the information provided in the Contact Information section below.

Children's Privacy

Our website and services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete such information and terminate the child's account. If you believe we have collected information from a child under 13, please contact us immediately at the contact information provided below.

Contact Information

If you have questions about this Privacy Policy, concerns about your privacy, or wish to exercise your privacy rights, please contact us: