Privacy Policy for Valsto Services

Effective Date: January 1, 2018

Your Privacy Rights

This Privacy Policy describes your privacy rights regarding our collection, use, storage, sharing and protection of your personal information. It applies to the Valsto website and all related sites, applications, services and tools regardless of how you access or use them.

Scope and Consent

You accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively "Valsto Services"). This Privacy Policy applies US law and is intended to govern the use of Valsto Services by our users (including, without limitation those who use the Valsto Services in the course of their trade or business) in the United States, unless otherwise agreed through contract. We may amend this Privacy Policy at any time by posting a revised version on our website. The revised version will be effective as of the published effective date. In addition, if the revised version includes a substantial change, we will provide you with 30 days’ prior notice by posting notice of the change on the "Policy Updates" page of our website. After this 30-day notice period, you will be considered as having expressly consented to all amendments to this Privacy Policy.

Collection of Personal Information

We collect the following types of personal information in order to provide you with the use of Valsto Services, and to help us personalize and improve your experience.

Information we collect automatically: When you use Valsto Services, we collect information sent to us by your computer, mobile phone or other access device. The information sent to us includes, but is not limited to, the following: data about the pages you access, computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, Ad data, standard web log data and other information. We also collect anonymous information through our use of cookies and web beacons.

Information you provide to us: We may collect and store any information you provide us when you use Valsto Services, including when you add information on a web form, add or update your account information, participate in community discussions, chats, dispute resolutions, or when you otherwise correspond with us regarding Valsto Services.

When you use Valsto Services, we also collect information about your transactions and your activities. In addition, if you open a Valsto account or use Valsto Services, we may collect the following types of information:

  • Contact information, such as your name, address, phone, email and other similar information.
  • Financial information, such as the full bank account numbers and/or credit card numbers that you link to your Valsto account or give us when you use Valsto Services.
  • Detailed personal information such as your date of birth or national ID number.

We may also collect information from or about you from other sources, such as through your contact with us, including our customer support team, your results when you respond to a survey, your interactions with corporate members of Valsto Inc. or other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole). Additionally, for quality and training purposes or for its own protection, Valsto may monitor or record its telephone conversations with you or anyone acting on your behalf. By communicating with Valsto, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning.

Information from other sources: We may also obtain information about you from third parties such as credit bureaus and identity verification services.

You may choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter). The information we may receive varies by site and is controlled by that site. By associating an account managed by a third party with your Valsto account and authorizing Valsto to have access to this information, you agree that Valsto may collect, store and use this information in accordance with this Privacy Policy.

Authentication and Fraud Detection: In order to help protect you from fraud and misuse of your personal information, we may collect information about you and your interactions with Valsto Services. We may also evaluate your computer, mobile phone or other access device to identify any malicious software or activity.

Information from Mobile Devices: We may offer you the ability to connect with Valsto Services using a mobile device, either through a mobile application or via a mobile optimized website. The provisions of this Privacy Policy apply to all such mobile access and use of mobile devices.

When you download or use our mobile applications, or access one of our mobile optimized sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with an extra level of protection and also location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to control or disable location services in the device's setting's menu. If you have questions about how to disable your device's location services, we recommend you contact your mobile service carrier or the manufacture of your particular device.

How We Use the Personal Information We Collect

Our primary purpose in collecting personal information is to protect your privacy, uniquely identify you as a Valsto user and provide you with an efficient and customized experience. We may use your personal information to:

  • Provide Valsto Services and customer support;

  • Process transactions and send notices about your transactions;

  • Verify your identity, including during account creation, payment process and password reset processes;

  • Resolve disputes and troubleshoot problems;

  • Manage risk, or to detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities;

  • Detect, prevent or remediate violations of policies or applicable user agreements;

  • Improve the Valsto Services by customizing your user experience;

  • Measure the performance of the Valsto Services and improve their content and layout;

  • Manage and protect our information technology infrastructure;

  • Provide service update notices, and deliver promotional offers;

  • Contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging or push notification messaging as authorized by our User Agreement;

  • Perform creditworthiness and solvency checks, compare information for accuracy and verify it with third parties.

We may contact you via electronic means or postal mail to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account. Additionally, we may contact you to offer coupons, discounts and promotions, and inform you about Valsto Services. Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you. To reach you as efficiently as possible, we may contact you via phone, and may use autodialed or prerecorded calls, text messages and mobile push notifications as described in our User Agreement. Where applicable and permitted by law, you may decline to receive certain communications.


We do not sell or rent your personal information to third parties for their marketing. We may combine your personal information with information we collect from other companies and use it to improve and personalize Valsto Services, content, and advertising. If you do not wish to receive advertising from us or participate in our advertising programs, simply indicate your preference by logging into your account and going to the vGift Payment section and updating your preferences, or by following the directions that may be provided within the communication or advertisement.

How We Use Cookies and Similar Technologies

When you access our website, use Valsto Services or install the Valsto browser extension ("vMonitor"), we may place small data files on your computer or other device. These data files may be cookies, vMonitor files, pixel tags, e-tags, "Flash cookies", or other local storage provided by your browser or associated applications (collectively "Cookies"). We use these technologies to recognize you as a user; customize Valsto Services, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across the Valsto Services.

The vMonitor may also collect and store information about the websites you view even when you are not interacting with the vMonitor ("Passive Data"). Passive Data includes, but is not limited, to URLs of web pages visited, general information about the visited web page, product searches, product search results, information about products added to cart, confirmation page details, and other product information. You may turn off data collection by the vMonitor by uninstalling the vMonitor.

You are free to decline our Cookies if your browser or browser add-on permits, unless our Cookies are required to prevent fraud or ensure the security of the Valsto network. However, declining our Cookies may interfere with your use of our website and Valsto Services.

How We Protect and Store Personal Information

Throughout this Privacy Policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user.

Our operations are supported by a network of computers, cloud-based servers, and other infrastructure and information technology, including, but not limited to, the use of third-party service providers. We, and third-party service providers on our behalf, store and process your personal information in the United States and elsewhere in the world. If your information is transferred to other countries, including countries which may not have data protection laws that provide the same level of protection that exists in your country, we will protect the information as described in this Privacy Policy.

We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to data centers, and information access authorization controls.

How We Share Personal Information with Other Valsto Users

When transacting with others, we may provide those parties with information about you necessary to complete the transaction, such as your name, account ID, contact details, shipping and billing address, or other information needed to promote the reliability and security of the transaction. If a transaction is held, fails, repudiated or is later invalidated, we may also provide details of the unsuccessful transaction.

If someone is sending you money and enters your email address, we will provide them your registered name so they can verify they are sending the money to the correct account.

We work with third parties, including merchants, to enable them to accept or send payments from or to you using Valsto. In doing so, a third party may share information about you with us, such as your email address or mobile phone number, to inform you that a payment has been sent to you or when you attempt to pay a merchant or third party. We use this information to confirm that you are a Valsto user and that Valsto as a form of payment can be enabled, or to send you notification of payment status. Also, if you request that we validate your status as a Valsto user with a third party, we will do so.

Please note that merchants you buy from or contract with have their own privacy policies, and although Valsto’s user agreement does not allow the other transacting party to use this information for anything other than providing Valsto Services, Valsto is not responsible for their actions, including their information protection practices.

Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you using Valsto, or with the third parties that offer or use Valsto Services, except with your express permission or if we are required to do so to comply with credit card rules, a subpoena, or other legal process.

How We Share Personal Information with Other Third Parties

We may share your personal information we collect from you, including your name, contact details, and transactions and activities, with:

  • Corporate members of Valsto Inc. to help detect and prevent potentially illegal acts and violations of our policies and to guide decisions about their products, services, and communications.

  • Credit bureaus and collection agencies to report account information, as permitted by law.

  • Banking partners as required by credit card association rules for inclusion on their list of terminated merchants (in the event that you meet their criteria which includes having Valsto close your Valsto Account due to your breach of the Valsto User Agreement).

  • Companies that we plan to merge with or are acquired by. (Should such a combination occur, we will require that the new combined entity follow this Privacy Policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)

  • Law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to Valsto or one of its affiliates; when we need to do so to comply with law or credit card rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement.

  • Other unaffiliated third parties, for the following purposes:

  • Fraud Prevention and Risk Management: to help prevent fraud or assess and manage risk.

  • Customer Service: for merchant customer service purposes, including to help service your accounts or resolve disputes (e.g., billing or transactional).

  • Shipping: in connection with shipping and related services for purchases made using Valsto.

  • Legal Compliance: to help them comply with anti-money laundering and counter-terrorist financing verification requirements.

  • Service Providers: to enable service providers under contract with us to support our business operations, such as fraud prevention, bill collection, marketing, customer service and technology services. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.

How You Can Access or Change Your Personal Information

You can review and edit your personal information at any time by logging in to your account and reviewing your account settings and profile. You can also close your account contacting us through the Valsto website. If you close your Valsto account, we will mark your account in our database as "Closed," but may retain personal information from your account for a certain period of time and disclose it in a manner consistent with our practices under this Privacy Policy for accounts that are not closed. We also may retain personal information from your account to collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, prevent fraud, enforce our User Agreement, or take other actions as required or permitted by law.

How You Can Contact Us about Privacy Questions

If you have questions or concerns regarding this Privacy Policy, you should contact us through the Valsto website.