Privacy Policy

Effective Date: 01/12/2015

Pearlvine International takes your privacy very seriously. This Privacy Policy applies to pearlvine.com (for purposes of this Privacy Policy, "websites" includes https://pearlvine.com our mobile websites, and our mobile applications. Capitalised terms used but not defined in this Privacy Policy have the meanings assigned to them in our User Agreement.
We are committed to protecting our customers' privacy and security. This Privacy Policy explains what personal information we collect about you, with whom we share it, and how you (the user of the Service) can direct us not to share certain information with certain parties. "Personal Information" refers to information that can be used to identify an individual. You should read this Privacy Policy in its entirety. Certain sections may apply differently to residents of different Countries.

Information collected by us
We may collect the following information about you, your Recipient, or your Beneficiary, which may include non-public Personal Information:
Information that you provide us in the course of using the Service, such as your name, mailing address, email address, and telephone number(s). We may also collect certain sensitive information from you including your bank account number, Bank Name, IFSC Code, date of birth and other id proofs.
Information that you provide us in the course of your participation in PV Mynt System.
Information about your usage of the Service, including your Transaction history, how you use the Service to send or receive Transactions, and to and for whom you send Transactions;
Information that we indirectly obtain from you, such as information about the device, hardware and software you use when accessing the Service, your IP address, the pages you access on our websites, and other websites that you visit prior to accessing the Service. We may combine this automatically collected log information with other information we collect about you.
We do this for fraud prevention, to improve our Service, and to improve our marketing, analytics, or website functionality; Recordings of your communications with our Customer Service department, including telephone calls and electronic communications; and Type of device you use, operating system version, and the device identifier.
We do not ask you for, access or track any location-based information from your mobile device at any time while downloading or using our mobile applications or Service.

We may occasionally send you push notifications through our mobile applications to send you marketing messages and other Service or Transaction-related notifications that may be of importance to you. You may at any time opt-out from receiving these types of communications by turning them off at the device level through your settings or through the mobile application settings.
We and our third-party service providers, including our marketing partners and analytics providers, may also use cookies, web beacons, tags, scripts and similar technology ("Cookies"). Cookies are small data files that are placed on your computer or mobile device to, among other things, administer the website, track and analyse trends in your use of our websites, remember your preferences when you return to the website and gather information about our users as a whole. The information we store in the Cookies we place may include your email address in addition to non-Personal Information. We may receive reports from third-party service providers based on their use of Cookies about our users on an individual or aggregated basis.
As is true of most websites, we gather certain information automatically and store it in log files. This information may include your internet protocol (IP) address, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or click stream data. From time to time, we may combine this automatically collected data to other information we collect about you for reasons such as analysis, security, content generation or marketing.
We may use mobile analytics software to allow us to better understand the functionality of our mobile software on your mobile device. This software may record information such as how often you use the mobile applications, the events that occur within the mobile applications, aggregated usage, performance data, and from where the mobile application was downloaded. We may link the information we store within the analytics software to any Personal Information you submit within the mobile applications.

Why we collect information?
We collect information for the following purposes:
To process your Transactions;
To verify your identity;
To collect payment for your use of the Service;
To troubleshoot problems with the Service;
To comply with applicable laws, regulations, and rules, such as those relating to "know-your-customer" and anti-money laundering requirements;
To detect and prevent fraud and other illegal uses of the Service;
To send you marketing notices, service updates, and promotional offers;
To contact you by telephone using auto-dialed or pre-recorded message calls or text (SMS) messages (if applicable) as authorized for the purposes described in this Privacy Policy.
We will retain your account information, including but not limited to your payment source information and Personal Information about you, your Recipient, or your Beneficiary, as needed to provide you Service, as required by applicable law, to resolve disputes and to enforce our agreements. pearlvine abides by strict security standards, but if you wish to cancel your account and stop using pearlvine's Service, contact us at contact@pearlvine.com , We will continue to retain your account information after your account is cancelled as required under applicable law, regulations, and rules.

How we share information with others
We do not sell or rent the information we collect to third parties for their promotional purposes unless we receive your permission to do so. Nevertheless, we may share information about you, your Recipient, or your Beneficiary (including nonpublic, Personal Information) with:
Third-party service providers under contract with pearlvine that help us with our business operations, such as transaction processing, fraud prevention, and marketing. We share your Personal Information with these companies only as necessary to provide you with our Service;
Third-parties that we partner with to offer additional products and services, such as long-distance telephone minutes, gift cards or loyalty points, but only when you elect to participate, and/or to receive information about those additional products and services. If you do not want us to share your Personal Information with these partners, contact us at contact@pearlvine.com In the event of the sale, acquisition or merger of some or all of our assets, Personal Information about you, your Recipient or your Beneficiary might be a part of the transferred assets. We shall notify you in the event of such an occurrence and inform you of any choices you may have regarding your Personal Information, by placing a notice on our websites.
when we believe in good faith that disclosure is necessary to comply with the law, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations of our User Agreement.
Our websites offer publicly accessible blogs. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. Please do not post any information you prefer to keep private, including but not limited to your email address, mailing address, or pearlvine Transaction information.

Access to your information
If your personal information changes, or if you no longer wish to use our Service, you can access, modify, delete or update your Personal Information submitted on our websites by logging in to your account and changing your preferences or by contacting pearlvine Customer Service at support@pearlvine.com. We will respond to your request within a reasonable timeframe.

Security
We employ industry-accepted standards in protecting the information you submit to us on our websites. We have put in place SSL [Secure Socket Layer] encryption technology to protect your sensitive information transmitted on our websites. We also require a username and password from each user who wants to access his or her information on our websites. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

Choices you can make about our use of your information
Federal and state laws allow you to restrict the sharing of your Personal Information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your Personal Information that you may restrict is as follows:

Complaints
If you have a complaint, contact pearlvine Customer Service at support@pearlvine.com

Third party sites
Our websites no contain links to other websites. pearlvine international is not responsible for the privacy practices or the content of any other websites. We encourage you to familiarize yourself with the privacy practices of these other websites prior to submitting your Personal Information to them.
Our websites include social media features, such as the Facebook Like button, and widgets, such as the Share button or interactive mini-programs that run on our websites. These features may collect your IP address, which page you are visiting on our websites, 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 websites. Your interactions with these features are governed by the privacy policy of the company providing it.

Referrals
If you choose to use our Refer a Friend program to tell a friend about our Service, You use your uneque ID as sponsor ID for new user registration. We will automatically place your friend to your front line. We store this information for the sole purpose of sending this one-time email and tracking the success of our Refer a Friend program. Your friend also use this service for more benefits of our compansation plan.

Import contacts
You can import contacts from your Outlook or other email account address book in connection with using our Service. We collect the username and password for the email account from which you import your contacts and will only use it for that purpose. We may also collect the name, mailing address, email address, and telephone number(s) of any contacts that you import in order to facilitate the Service.

Changes to this policy
We may amend this policy at any time, and shall notify you by posting a revised version on our websites. Should we make a material change to the manner in which we collect, use, or store Personal Information about you, your Recipient, or your Beneficiary, we shall provide prior notice on our websites, or by email.

Contact
You can contact us with any questions or concerns at: contact@pearlvine.com