Paperchain Privacy Policy

Last updated June 07, 2021

We take privacy seriously.

If you visit any of Paperchain websites, download or use the Paperchain App or our Services, Paperchain will ask for, collect, and store personal information about you (your “Personal Data”). We would not be able to provide our Services to you without the Personal Data you provide us, which is why we want you to know that we take our responsibility to protect your Personal Data very seriously. We also want to make very clear how we use your Personal Data so that you can make informed choices about your use of our Services.

This document (our “Privacy Policy”) explains how we collect and use your Personal Data, how and with whom we share your Personal Data, and how we protect your Personal Data. This Privacy Policy applies to the Paperchain websites (the “Website”) and the Paperchain App, and is subject to the Paperchain Terms of Use. All capitalized terms have the same definition used in our Terms of Use. If you have questions about this Privacy Policy, or have suggestions for how we can improve it, please contact us at privacy@paperchain.io.

If you do not want us to collect Personal Data from you or share Personal Data with any third parties or otherwise disclose your Personal Data, you should not access our Websites, use the Paperchain App, or use our Services.

1. Personal Data We Collect

In the section below, we provide the list of categories of Personal Data that Paperchain has collected within the last twelve months and some examples for a better understanding. We also have identified the main sources and purposes for collection:

Category of Personal Data

Identifiers

  • Examples
    • First and last name and middle initial, date of birth, email address, mobile telephone number, mailing address, username, password, or other Paperchain Account access credentials.
  • Sources of Personal Data
    • Consumer directly (e.g. forms you complete or services you obtain from us). [Third parties (e.g. Stripe)].
  • Purposes for Personal Data Collection
    • Keep track of the Personal Data associated with your Paperchain Account
    • Help you access and restore access to your Paperchain Account.
    • Prevent others from accessing your Paperchain Account.
    • Send administrative information to you.

Customer Records

  • Examples
    • Unique identifiers associated with your:
    • bank including bank account names, bank routing and account numbers, bank account transaction history, social security numbers, driver’s license or other valid government photo identification, credit report;
    • your streaming platform account including [account name, account number]; and
    • your distributor including [account name, account number].
  • Sources of Personal Data
    • Consumer directly (e.g. forms you complete or services you obtain from us). Third parties (e.g. Stripe, streaming platforms and distributors).
  • Purposes for Personal Data Collection
    • Determine your eligibility for a Paperchain Daily Payments.
    • Calculate your estimated and actual monthly revenue.
    • Permit our financial partners to verify your identity.
    • Permit us and our financial partners to comply with applicable consumer protection laws.
    • Provide our Services to you

Internet or other electronic network activity information

  • Examples
    • Browser type, IP address, computer or mobile device unique ID number, operating system, referring and exit pages, device event information.
  • Sources of Personal Data
    • Consumer indirectly (e.g. from activity on our Websites or Paperchain App).
  • Purposes for Personal Data Collection
    • Analytics.
    • Advertising and marketing.
    • To keep our Websites and App safe and secure.
    • Improve our services.

Geolocation Data

  • Examples
    • Approximate location based on IP address.
  • Sources of Personal Data
    • Consumer indirectly (e.g. from activity on our Websites or Paperchain App).
  • Purposes for Personal Data Collection
    • Analytics

2. Personal Data Shared with Third Parties

Except as described in this Privacy Policy and unless otherwise expressly authorized by you in writing, Paperchain will never share, sell, or communicate your Personal Data to or with anyone for any reason. We only share and disclose your Personal Data with the following third parties. We have categorized each party so that you may be easily understand the purpose of our data collection.

Categories of third parties with whom Personal Data has been shared

Service Providers

  • Why we share your Personal Data
    • We may share your Personal Data with service providers including third party vendors, consultants, contractors who perform services for us or on our behalf and require access to such information to do that work.
  • Is Personal Data shared for a business purpose?
    • Yes

Purchasers of Our Business

  • Why we share your Personal Data
    • We may share or transfer your Personal Data in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
  • Is Personal Data shared for a business purpose?
    • Yes

Law Enforcement

  • Why we share your Personal Data
    • We may share your Personal Data in order to comply, as necessary, with applicable laws and regulatory requirements, as well as legal process, respond to mandatory legal or governmental requests or demands for information, enforce our agreements, policies, procedures and terms of use, and protect ourselves, our customers, or the general public from illegal activities.
  • Is Personal Data shared for a business purpose?
    • No

Payment Processors

  • Why we share your Personal Data
    • We may share your Personal Data with our payment processors as necessary to enable them to process payments, and for anti-fraud purposes. Specifically, we share your Personal Data with, Stripe, in connection with the Paperchain Daily Payments and Creator Wallet Application.
  • Is Personal Data shared for a business purpose?
    • Yes

Business Partners and Paperchain Affiliates

  • Why we share your Personal Data
  • We may share your Personal Data with our Business Partners as necessary to provide you with the Paperchain Services.
  • Is Personal Data shared for a business purpose?
    • Yes

3. Privacy for Visitors

We also use cookies and other activity tracking tools to help the Websites, Paperchain App and our Services work better. These tools allow us to:

  • Provide you Services that allow you to email or chat with our customer service team;
  • Perform website analytics;
  • Improve the advertisements you see;
  • Prevent fraud and prevent attacks against our websites and Services; and
  • Advertise Paperchain products and services, and additional products and services from our partner companies.

We use cookies and trackers to assign you a unique identifier so we can record:

  • Websites you visit;
  • Length of time the advertisement was visible; and
  • IP Address.

You can block cookies at any time using your web browser settings or Paperchain App settings, but doing so may limit your browsing experience and your ability to use certain features of the Paperchain App. We do not currently respond to “Do Not Track” or DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online.

Paperchain also uses Google Analytics and Heap. The following link explains how Google uses data when you use its partners’ websites and applications: Google Privacy Policy and Heap Privacy. Your use of Paperchain’s Website is evidence of your consent to Paperchain storing and accessing cookies and other information on your computer or phone and Paperchain’s use of Google Analytics and Heap in connection with such activities. Please read the information at the link provided so you understand what you are consenting to.

4. Updating Your Personal Data

While we make every effort to ensure that all Personal Data we collect and store is accurate, complete, and up to date, you can help us by promptly notifying us if there are any changes to your information. You will be able to view and change aspects of your Personal Data by logging in to your Paperchain Account.

5. How Long Do We Keep Your Personal Data?

We keep your Personal Data until you ask us to delete them or for as long as is necessary to fulfill the purposes outlined in this Privacy Policy. Even after you delete your Paperchain Account, we can retain copies of information about you for a period of time that is consistent with applicable law, applicable statute of limitations or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to collect fees owed, to resolve disputes, to address problems with our services, to assist with investigations, to enforce our Terms or other applicable agreements or policies, or to take any other actions consistent with applicable law. If you ever decide to stop using Paperchain, you can just ask us to delete your Paperchain Account by emailing us at privacy@paperchain.io or logging into your account and clicking on settings.

6. California Privacy Rights

As a California consumer, you have the following choices regarding our use and disclosure of your Personal Data subject to certain limitations under the California Consumer Privacy Act (“CCPA”):

  • Right to know. You may request, up to twice in a 12-month period, the following information about the Personal Data we have collected, used, disclosed or sold about you during the past 12 months:
    • the categories and specific pieces of Personal Data we have collected about you;
    • the categories of sources from which we collected the Personal Data;
    • the business or commercial purpose for which we collected the Personal Data;
    • the categories of third parties with whom we shared the Personal Data; and
    • the categories of Personal Data about you that we disclosed for a business purpose and sold to third parties, and the categories of third parties to whom the information was disclosed or sold.
  • Right to delete. You may request that we delete the Personal Data we have collected from you, subject to certain limitations under the CCPA.
  • Right to opt-out from sale of Personal Data. You have the right to opt-out of the sale of your Personal Data. We do not sell your Personal Data.
  • Non-discrimination. The CCPA provides that you may not be discriminated against for exercising these rights.

To submit a request to exercise any of the rights described above, you may email us at privacy@paperchain.io or fill out this online form. We will verify your identity before responding to your request by either verifying that the email address from which you send the request matches your email address that we have on file, or by requiring you to log into your account.

Consumer Request by an Authorized Agent

If any authorized agent submits a consumer request under the CCPA on your behalf, we require the authorized agent to submit the following information so that we can confirm their authority to act on your behalf:

  • Evidence of authorization to act on behalf of the California consumer: (1) California Secretary of State authorization, (2) notarized written permission from the California consumer, or (3) power of attorney.
  • Evidence of identity of the California consumer: (1) first and last name, (2) email address, and (3) password.

NOTICE TO CALIFORNIA RESIDENTS – YOUR CALIFORNIA PRIVACY RIGHTS (AS PROVIDED BY CALIFORNIA CIVIL CODE SECTION 1798.83)

A CALIFORNIA RESIDENT WHO HAS PROVIDED PERSONAL DATA TO A BUSINESS WITH WHOM HE/SHE HAS ESTABLISHED A BUSINESS RELATIONSHIP FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES (A “CALIFORNIA CUSTOMER”) MAY REQUEST INFORMATION ABOUT WHETHER THE BUSINESS HAS DISCLOSED PERSONAL DATA TO ANY THIRD PARTIES FOR THE THIRD PARTIES’ DIRECT MARKETING PURPOSES. IN GENERAL, IF THE BUSINESS HAS MADE SUCH A DISCLOSURE OF PERSONAL DATA, UPON RECEIPT OF A REQUEST BY A CALIFORNIA CUSTOMER, THE BUSINESS IS REQUIRED TO PROVIDE A LIST OF ALL THIRD PARTIES TO WHOM PERSONAL DATA WAS DISCLOSED IN THE PRECEDING CALENDAR YEAR, AS WELL AS A LIST OF THE CATEGORIES OF PERSONAL DATA THAT WERE DISCLOSED. CALIFORNIA CUSTOMERS MAY REQUEST FURTHER INFORMATION ABOUT OUR COMPLIANCE WITH THIS LAW BY E-MAILING PRIVACY@PAPERCHAIN.IO. PLEASE NOTE THAT WE ARE REQUIRED TO RESPOND TO ONE REQUEST PER CALIFORNIA CUSTOMER EACH YEAR AND WE ARE NOT REQUIRED TO RESPOND TO REQUESTS MADE BY MEANS OTHER THAN THROUGH THIS E-MAIL ADDRESS.

7. Your Data Protection Rights Under the General Data Protection Regulations (GDPR)

If you are a resident of the EEA, you have the following data protection rights:

  • If you wish to access, correct, update, or request deletion of your personal information, you can do so at any time by emailing privacy@paperchain.io. If you delete your Paperchain Account your Personal Data will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law, or in accordance with this Privacy Policy.
  • In addition, you can object to the processing of your personal information, ask us to restrict the processing of your personal information, or request portability of your personal information. Again, you can exercise these rights by emailing privacy@paperchain.io.
  • You have the right to opt-out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing emails we send you. To opt-out of other forms of marketing, please contact us by emailing privacy@paperchain.io.
  • Similarly, if we have collected and process your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.
  • You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority. To find contact details, click here.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

Legal Basis for Processing Personal Information

Our legal basis for collecting and using the Personal Data described above will depend on the Personal Data concerned and the specific context in which we collect it. However, we will normally collect Personal Data from you only (i) where we need the Personal Data to carry out our obligations under the Paperchain MCA; (ii) where the processing is in our legitimate interests and not overridden by your rights; or (iii) where we have your consent to do so. We have a legitimate interest in operating our Services and communicating with you as necessary to provide these Services, for example when responding to your queries, improving our Services, or for the purposes of detecting or preventing illegal activities. In some cases, we may also have a legal obligation to collect Personal Data from you or may otherwise need the Personal Data to protect your vital interests or those of another person. If we ask you to provide Personal Data to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your Personal Data is mandatory or not (as well as of the possible consequences if you do not provide your Personal Data).

8. International Data Transfers

We will store and process your Personal Data in the United States. If you use the Paperchain App from outside the United States, you acknowledge we will transfer your Personal Data to, and store your Personal Data in, the United States, which may have different data protection rules than in your country, and Personal Data may become accessible as permitted by law in the United States, including to law enforcement and/or national security authorities in the United States.

9. How We Protect Your Privacy

We are committed to protecting the privacy and confidentiality of your Personal Data. We limit access to your Personal Data to our authorized employees or agents and we contractually require our business partners and service providers to limit their use of your Personal Data. We also maintain physical, technical, and administrative safeguards to protect your Personal Data against loss, misuse, damage or modification, and unauthorized access or disclosure.

10. Social Media

The Websites and the Paperchain App may include social media features, such as the Facebook “Like” or “Share” buttons. These features may collect your IP address and which pages or features you are using or visiting on the Websites or the Paperchain App, and may set a cookie to enable the feature to function properly. Social Media features are either hosted by a third-party or hosted by us. Your interactions with these features are governed by the privacy policy of the company providing them. We do not control and we take no responsibility for the use of your Personal Data by these third-party sites.

The Websites and the Paperchain App may contain links to other websites or apps. Your access to and use of such linked sites is not governed by this Privacy Policy but, instead, is governed by the privacy policies of those third-party websites. We are not responsible for the Personal Data practices of such third-party websites. Please review the privacy policies of such sites before you disclose your Personal Data to them.

12. Children’s Privacy

The Websites and the Paperchain App are not intended for children. We do not knowingly collect, use, sell, or share any Personal Data from anyone under the age of 16. If we become aware that a child under the age 16 has provide Personal Data to us, we will delete it. We have taken commercially reasonable steps to restrict use of the Services to those who are at least 16 years old. We do not market products or services for purchase by children.

13. Changes to this Privacy Policy; Other Policies

We may change this Privacy Policy from time to time to reflect changes in our practices concerning the collection, use, and sharing of Personal Data. The revised Privacy Policy will be effective immediately upon posting to the Websites, by notification through the Paperchain App or through email. If you continue to use the Websites and the Paperchain App after we make changes then you will be deemed to have agreed to the changes, so please check this Privacy Policy periodically for updates.

14. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact:

Paperchain Inc.
85 Delancey St c/o The Yard
New York NY 10002
privacy@paperchain.io.