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The PBTPay payment application is provided by OBL Computer Network Ltd


This Privacy Policy describes the types of "Personal Information" (information that is identifiable to a particular person) that is collected (directly or through service providers) in connection with the PBTPay payment application (the �Application�) offered through online website(s) including www.pbtpay.eu (collectively the �Site�), and how that Personal Information is used, shared and protected. Some of this information is required by U.S. federal law or other law. For residents of the State of New York, OBL Computer Network Ltd of Georgia is the operator of the Site and the Application. For residents elsewhere, OBL Computer Network Ltd is the operator of the Site and the Application. In this Policy, "OBL Computer Network Ltd" or "we" or �us� refers to the operator applicable to you.


The Application is offered only to individual and organizations who can form legally binding contracts under applicable law. Without limiting the foregoing, the Application is not offered to minors. Other restrictions and eligibility requirements apply as described in the PBTPay payment Application Terms of Use or other disclosures on the Site. We do not knowingly collect any Personal Information from or about individuals under 18 years of age. Please do not submit such information to us, and as a parent or legal guardian, please do not allow your children to submit personal information without your permission. By using the Site and/or the Application, you represent that you meet these requirements and that you agree to the terms of this Privacy Policy.


OBL Computer Network Ltd offers other products and services, some of which are available through other organizations such as banks, credit unions, brokerage firms, and Internet portals. This Privacy Policy applies only to the PBTPay payment Application offered at the Site. Other OBL Computer Network Ltd products and services offered through other websites or organizations may be governed by different terms. For more details on what your rights and obligations are when using the Application offered on the Site, please also refer to the PBTPay payment Terms of Use and other notices and disclosures you may be provided regarding the Application.

Cookies, Browser Information and Related Issues.

a. When you visit the Site, we may receive certain standard information that your browser sends to every website you visit, such as the originating IP address, browser type and language, access times and referring website addresses, and other such information. This data may be used, among other uses, to improve the operation of the Site and to improve the security of the Site and Application by assisting in "authenticating" who you are when you access the Site or Application, particularly if you register for the Application and are issued or create a username and password. b. We may also receive additional information about your visit to the Site, including the pages you view, the links you click and other actions you take in connection with the Site and the Application. This data may be used, among other uses, to improve the operation of the Site and the Application. c. Like most websites, the Site also uses "cookies," which are small data files placed on your computer or other device by the web server when you visit the Site. Most such cookies are "session" cookies that are only used for a specific period during which you are on the Site, but a few are "persistent" cookies that stay on your hard drive and are read by the web server when you return to the Site (unless you erase them). The Site uses cookies to store your preferences and other information on your computer in order to save you time by eliminating the need to repeatedly enter the same information and to display your personalized content on your later visits to the Site. These cookies are linked to Personal Information about you, such as your email address. Cookies cannot and will not be used to deliver or run programs on your computer. Most web browsers automatically accept cookies, but you can modify your browser setting to decline cookies if you prefer. However, if you choose to decline cookies, you may not be able to sign in or use other interactive features of the Site that depend on cookies. d. You may encounter our cookies or pixel tags on websites that we do not control. For example, if you view a web page created by a third party or use an application developed by a third party, there may be a cookie or pixel tag placed by the web page or application. e. Web beacons: Our Web pages contain electronic images known as Web beacons (sometimes called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our site is used and may be used in some of our emails to let us know which emails and links have been opened by recipients. This allows us to gauge the effectiveness of our customer communications and marketing campaigns. f. Widgets: Our Web site includes Social Media Features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it. g. Targeted Ads: We may partner with third party ad networks to either display advertising on our Web site or to manage our advertising on other sites. Our ad network partners use cookies and Web beacons to collect non-personally identifiable information about your activities on this and other Web sites to provide you targeted advertising based upon your interests. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out by clicking here. Please note this does not opt you out of being served advertising. You will continue to receive generic ads.

What Types of Personal Information We May Collect.

In addition to the types of information described in section 4 above, we may also collect Personal Information about you. This information may include: a. Social Security number, date of birth, name, postal address, email address, telephone number, and other information that we can use to contact you, verify your identity, and manage risks, such as information maintained about you by identity verification services and consumer reporting agencies, including credit bureaus; b. bank account information (checking, money market or other direct deposit account, credit card account, or debit card account, including any required routing information), including account numbers and transaction history, for accounts that you designate for sending or receiving payments, fees, debits and credits for the Application; c. name, email address and telephone number that you provide us for other persons to whom you would like to send payments; d. username, password, secret questions and secret answers for resetting passwords, and other authentication credentialing used to verify that only authorized users access the Application; e. payment and other transaction information; and f. any Personal Information that you may enter in response to surveys or into information blocks on the Site such as "personal message blocks".

How We May Collect Personal Information About You.

We may collect Personal Information about you from the following sources: a. Enrollment applications, survey responses, and other electronic or paper forms that you fill out in connection with the Application; b. Your use of the Site and the Application (such as when you initiate a Payment Instruction), and your interactions with customer care, including information you enter or speak, and information transmitted by your computer, cell phones and other devices you use to connect to the Site or the Application; and c. We also collect Personal Information about you from others, such as individuals and financial institutions using the Application, credit bureaus, Affiliates or other companies (such as identity verification services and consumer reporting agencies).

How We May Share Personal Information About You.

We share Personal Information about you only as permitted by law. For Personal Information that is nonpublic and that we collect in connection with a financial service, U.S. federal law permits us to share the information only for the purposes shown in the following table: Reasons we can share your Personal Information Does OBL Computer Network Ltd share? Can you limit this sharing? For our everyday business purposes - such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, and report to credit bureaus; Yes No For our marketing purposes - to offer our products and services to you; Yes No For Joint Marketing with other financial companies; No We Do Not Share For our Affiliates' everyday business purposes (information about your transactions and experiences); Yes No For our Affiliates' everyday business purposes (information about your creditworthiness); No We Do Not Share For our Affiliates to market to you; No We Do Not Share For Nonaffiliates to market to you No We Do Not Share In order to process your transactions, we may share a small amount of Personal Information about you to a Receiver identified in your Payment Instructions, including your name, email address, telephone number and anything you type into the �message� field. However, the PBTPay payment Application Terms of Use require a person who receives information about another person through the Application to keep the information confidential and only use it in connection with the Application. 8. How We May Use Personal Information About You. We use Personal Information about you only as permitted by law, including but not limited to the following purposes: a. To complete transactions and render services authorized by you; b. Other everyday business purposes, such as to maintain your ability to access the Application, to authenticate you when you log in, to send you information about the Application, to effect, administer and enforce transactions, to perform fraud screening, to prevent actual or potential fraud and unauthorized transactions, to verify your identity, to determine your transaction limits, to perform collections, to comply with laws, regulations, court orders and lawful instructions from government agencies, to protect the personal safety of subscribers or the public, to prevent and defend claims, to resolve disputes, to troubleshoot problems, to enforce our Application Terms of Use, to protect our rights and property, and to customize, measure, and improve the Application and the content and layout of the Site including pattern recognition, modeling, enhancement and improvement, system analysis, and Application performance analysis; and c. for marketing purposes - to offer products and services to you, although you may opt-out of receiving commercial email marketing messages from us by following the opt-out processes described in those messages. 9. Other Important Information. Vermont: Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our Affiliates, unless the law allows. We will not share information about your creditworthiness with our Affiliates except with your consent, but we may share information about our transactions or experiences with you with our Affiliates without your consent. California: Under California law, we will not share information we collect about you with Nonaffiliates, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our Affiliates to the extent required by California law. 10. Definitions. a. Affiliates: Companies related by common ownership or control as well as companies that have a business development affiliation with us. They can be financial or nonfinancial companies. b. Nonaffiliates: Companies not related by common ownership, control or business development affiliation. They can be financial or nonfinancial companies. c. Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. 11. Access to Information About You. You may review and update the Personal Information maintained about you in the "My Profile" section of the Site at any time to ensure that it is accurate and up-to-date. 12. How We Protect Personal Information About You. To protect Personal Information about you from unauthorized access and use, we maintain physical, electronic, and procedural safeguards, including but not limited to security measures that comply with applicable federal and state laws. We also require our service providers and business partners to whom we disclose the information to do the same. 13. Amendments. OBL Computer Network Ltd may amend this Privacy Policy at any time by posting a revised version on the Site. The revised version will be effective immediately at the time it is posted, unless a delayed effective date is expressly stated therein. You may (in our discretion) also be provided with an email notification of such amendments. You may (in our discretion) be required to affirmatively acknowledge or accept the revised Privacy Policy in order to continue using the Application. Any use of the Application after a notice of change (whether by Site posting, email, or express acknowledgment or acceptance) will constitute your express agreement to such changes. If we make any change in how we use Personal Information about you we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. 14. Protection for Former Customers. When you are no longer our customer or using the Application, we continue to protect, use, and share Personal Information about you as described in this notice and as required by law, including but not limited to for risk management, regulatory compliance, and audit purposes. 15. Links to Other Web Sites Our Site includes links to other Web sites whose privacy practices may differ from ours. If you submit Personal Information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit. 16. Contacting Us. If you have any questions about this Privacy Policy, you may contact us at the postal address or email address below: In writing: OBL Computer Network Ltd

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