Patent protected security

Our top priority

We know with all the threats and new apps out there, security is a major concern. One of our primary reasons for creating AeroPay is that we were dissatisfied with the risks that were presented with old and traditional payment methods. Cash can be misplaced or stolen, and credit cards can be easily hacked. Paying with AeroPay provides the convenience of paying with cash, without the risks of carrying it. 

 

We keep your payments safe with our patent-pending security model which uses a series of unique variables to encrypt every transaction by time and place. These unique encrypted transactions expire quickly, and only represent unique identifiers of a merchant, customer and order value. No financial information is ever stored or passed in a transaction because we do not store financial information on our system. 

 

AeroPay leverages the Dwolla API provided by our ACH technology provider, Dwolla Inc, together with their network of bank and financial institution partners. Dwolla employs bank-level security techniques including the same standard security protocols used in online banking, and other practices used in most financial mobile apps. 

 

AeroPay connects directly to your bank account through our partner but will never store any specific information. We will never see balances, account or routing numbers and we never store any financial PII (personally identifiable information). For example, imagine a bridge to your bank, we can create the bridge but we can never cross the bridge to see the other side. This protects you and our system since we will never retain sensitive payment information. 

 

AeroPay also enables the latest techniques in mobile application authentication with biometric scanning and PIN codes. These are optional features, but highly encouraged. When registering an account, all users must go through 2-factor SMS verification. This is widely recognized as one of the safest methods in mobile application account registration. 

 

We’ve also enabled cutting edge remote payment technology that will enhance user experience but also contribute to security. Users will be able to securely connect to stores through patented micro-location technology, that reads the distance between two devices. This allows for an enclosed environment where the payment occurs between the customer and merchant. Soon we will be integrating facial-recognition technology in addition to our remote payment feature. 

 

Security is not something we take lightly, it isn’t just part of our software, it is a major business objective for us. Paper cash, plastic cards and virtual credit cards are no longer the most secure methods of paying at a brick & mortar store. AeroPay aims at changing this trend and putting security at the forefront of what we do and how we do it. Questions? Feel free to reach out to us at support@aeropayments.com

Privacy is important

no bank data stored, ever

Privacy is important to Aero Payments, LLC (“Aero Payments” or “we” or “us”) and we want you to be familiar with how we collect, use and disclose information. This Privacy Policy describes our practices in connection with the information collected through the Aero Payments mobile application (the “App”). By using the App, you agree to the following terms of this Privacy Policy.

 

Personal Information Provided by You: The App collects information you choose to provide, which may include, for example: Name; Address; Phone number; E-Mail address; basic information about your financial accounts; Information about subscriptions or other services you receive; and Social media account ID.

 

If you submit any Personal Information relating to other people to us or to our service providers in connection with the Services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy.

 

We may combine the information you provide with information we receive about you from other sources, such as public databases, joint marketing partners, providers of demographic information, social media platforms, people with whom you are connected on social media platforms and other third parties.

 

How We May Use Personal Information You Provide: We may use the information you provide to: provide you with the App’s functionality; respond to your inquiries and fulfill your requests; provide you with customer service; send administrative information to you; facilitate social sharing functionality; third parties whose products or services you request. Such third parties may use and disclose your information in accordance with their own privacy policies; our third-party service providers, to provide services such as payment processing, data analysis, information technology and related infrastructure provision, customer service, email delivery, auditing andother services; a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings).

 

We may also use the information you provide for certain business purposes, to include data analysis; audits; fraud monitoring and prevention; developing new products; enhancing, improving or modifying our products and services; identifying usage trends; determining the effectiveness of our promotional campaigns; and operating and expanding our business activities.

 

How Personal Information You Provide May Be Disclosed: We may use and disclose the information you provide as we believe to be necessary or appropriate: a) under applicable law, including laws outside your country of residence; b) to respond to requests from public and government authorities, including authorities outside your country of residence; c) to enforce our terms and conditions; d) to protect our operations; e) to protect our rights, privacy, safety or property; and f) to allow us to pursue available remedies or limit the damages that we may sustain.

 

We may aggregate the information that you and other App users provide. If we do, we may use and disclose such aggregated information for any purpose. Aggregated information does not personally identify you or any other user.

 

Other Information You Provide: This includes any information that does not reveal your specific identity or directly relate to an identifiable individual. We may use cookies and other technologies to recognize you as you use or return to the App so that we can understand how the App is used and personalize and enhance your experience. These technologies collect certain information automatically, such as information about your device, which is used to ensure the App functions properly, and information about your use of the App, which is used to understand App usage and to improve the App.

 

If we are required to treat this information as “personal information” (as described above) under applicable law, then we may use it for the purposes for which we use and disclose Personal Information as detailed in this Policy.

 

Location Information: We may collect your device’s location through GPS, WiFi, satellite or cell phone tower signals. We use your device’s physical location to provide you with location-based services and content. You may be able to control such collection and/or use through your device settings.

 

Third Parties: This Privacy Policy does not address, and we are not responsible for, the information collection, use, disclosure or security, or other practices, of any third party, including any third party operating a service to which the App links or which is framed within the App. The inclusion of a link within the App or the App’s framing of a third party’s online service does not imply our endorsement of the third party. We are not responsible for the practices of any other app developer or provider; social media platform, operating system or wireless service provider; or device manufacturer.

 

Security: We use reasonable organizational, technical and administrative measures designed to protect the information you provide within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us at: support@aeropayments.com.  

 

Choices and Access: You may stop the receipt of push notifications through your device settings. If you would like to review, correct, update, suppress or delete personal information that you have provided to us through the App, you may contact usat: support@aeropayments.com. We will endeavor to comply with your request(s) as soon as reasonably practicable. We may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began prior to requesting a change or deletion. There may also be residual information that will remain within our databases and other records, which will not be removed.

 

Use of Services by Minors: The App is not directed to children under the age of thirteen and we do not knowingly collect personal information from such individuals. If you are at least 13 but under 18, you must obtain your parent’s or legal guardian’s permission before downloading the App.

 

Jurisdiction and Cross-Boarder Transfer: The App is controlled and operated by us from the United States and is not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States. The information we collect through the App may be stored and processed in any country where we engage service providers, and by using the App, you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have data protection rules that are different from those of your country.

 

Updates to this Privacy Policy: We may revise this Privacy Policy. Any changes will become effective when we post the revised Privacy Policy in the App. Your use of the App following these changes means that you accept the revised Privacy Policy. 

 

Contacting Us: If you have any questions about this Privacy Policy, please contact us at support@aeropayments.com.

Terms & Conditions

we want you to know

Please read the following Terms of Service carefully. Your use of Aero Payments and its related services constitutes your express and unequivocal consent to the same.

 

These Terms of Service represent the legally binding agreement between you and Aero Payments, LLC (“Aero Payments” or “we” or “us”) concerning your use of (including any access to) the Aero Payments mobile app (together with any materials and services available therein, and successor app(s) thereto, the “App”). These Terms of Service hereby incorporate by reference any additional terms and conditions posted by Aero Payments through the App or otherwise made available to you by Aero Payments.

 

IN ORDER TO USE THE PAYMENT FUNCTIONALITY OF THE APP, YOU MUST OPEN A “WHITE LABEL” ACCOUNT PROVIDED BY DWOLLA, INC. (“DWOLLA”) AND YOU MUST ACCEPT THE DWOLLA TERMS OF SERVICE AND PRIVACY POLICY. ANY FUNDS HELD IN THE DWOLLA ACCOUNT ARE HELD BY DWOLLA’S FINANCIAL INSTITUTION PARTNERS AS SET FORTH IN DWOLLA’S TERMS OF SERVICE. YOU AUTHORIZE US TO SHARE YOUR IDENTITY AND ACCOUNT DATA WITH DWOLLA FOR THE PURPOSE OF OPENING AND SUPPORTING YOUR DWOLLA ACCOUNT, AND YOU ARE RESPONSIBLE FOR THE ACCURACY AND COMPLETENESS OF THAT DATA. YOU UNDERSTAND THAT YOU WILL ACCESS AND MANAGE YOUR DWOLLA ACCOUNT THROUGH THE APP, AND DWOLLA ACCOUNT NOTIFICATIONS WILL BE SENT BY US, NOT DWOLLA. WE WILL PROVIDE CUSTOMER SUPPORT FOR YOUR DWOLLA ACCOUNT ACTIVITY AND CAN BE REACHED AT: SUPPORT@AEROPAYMENTS.COM.  

 

THIS AGREEMENT CONTAINS A MANDATORY BINDING ARBITRATION PROVISION, WHICH, AS SET FORTH BELOW, REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES RATHER THAN JURY TRIALS OR ANY OTHER COURT PROCEEDINGS.

 

BY USING THE APP, YOU AFFIRM THAT YOU ARE OF LEGAL AGE TO ENTER INTO THIS AGREEMENT.

 

Changes: We may change these Terms of Service by notifying you of such changes by any reasonable means, including by posting a revised Terms of Service on the App or on our website. Any such changes will not apply to any dispute between you and us arising prior to the date we posted the revised Terms of Service incorporating such changes or otherwise notified you of such changes. Your use of the App following any changes to these Terms of Service will constitute your acceptance of such changes. We may, at any time and without liability, modify or discontinue all or part of the App; charge, modify or waive any fees required to use the App; or offer opportunities to some or all App users.

 

Information Submitted Through the App: Your submission of information through the App is governed by Aero Payments’ Privacy Policy, located at https://www.aeropayapp.com/privacy-policy (the “Privacy Policy”). You represent and warrant that any information you provide in connection with your use of the App is and will remain accurate, complete, and that you will maintain and update such information as needed.

 

Jurisdictional Issues: The App is controlled and operated from the United States and is not intended to subject, nor does it subject, Aero Payments to any jurisdiction or law outside the United States. The App, and/or certain products or services available through the App, may not be appropriate or available for use in some jurisdictions outside the United States. Any use of the App or any such products or services is at your own risk and you must comply with all applicable laws, rules and regulations in doing so. We may limit the App’s availability at any time, in whole or in part, to any person, geographic area or jurisdiction we choose.

 

No Financial, Investment, Legal, Accounting or Tax Advice: The App does not and should not be construed to constitute or provide any financial, investment, legal, accounting, tax or other advice. You shall not rely upon or otherwise use the App in connection with making or evaluating any financial, investment, legal, accounting, tax or other decisions. We urge you to consult the proper financial, investment, legal, accounting or tax advisor with respect to any such issues as applicable. In addition, nothing available through the App is an offer to sell, or a solicitation of any offer to buy, any financial products. Likewise, no content of the App should be used as the basis of any investment or other financial decision.

 

Rules of Use: 

 

Your use of the App is a privilege, not a right. As such, in connection with your use of the App, you shall not engage in the following conduct:

 

  1. Post, transmit, or otherwise make available through or in connection with the App any materials that are or may be: 1) threatening, harassing, degrading, intimidating, or otherwise fail to respect the rights of others; 2) defamatory, libelous, fraudulent, or in any way tortious; 3) obscene, indecent, pornographic, offensive, or otherwise objectionable; or 4) protected by copyright, trademark, trade secret, or any other proprietary right, without the express prior written consent of the appropriate owner;

  2. Post, transmit, or otherwise make available through or in connection with the App any virus or other program that is or is potentially harmful or invasive or intended to damage or hijack the operation of, or to monitor the use of, any hardware, software or equipment;

  3. Harvest or collect information about users of the App;

  4. Interfere with or disrupt the operation of the App or the servers or networks used to make the App available, including by hacking or defacing any portion of the App; or violate any requirement, procedure or policy of such servers or networks.

  5. Restrict or inhibit any other person from using the App;

  6. Reproduce, modify, adapt, translate, mirror, copy, create derivative works of, sell, rent, lease, loan, timeshare, distribute or otherwise exploit any portion of (or any use of) the App except as expressly authorized by Aero Payments;

  7. Reverse engineer, deconstruct or disassemble any portion of the App;

  8. Remove any copyright, trademark or other notice of proprietary rights from the App;

  9. Use any robot, spider, site search/retrieval application or other device to retrieve, index, “scrape,” “mine” or otherwise gather App content, or reproduce or circumvent the navigational structure or presentation of the App; or

  10. Take any action or allow any omission that would negatively impact the App’s use, functionality, and/or purpose.

 

DISCLAIMER OF WARRANTIES: THE APP IS MADE AVAILABLE TO YOU ON AN “AS IS,” “WHERE IS” AND “WHERE AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY. AERO PAYMENTS DISCLAIMS ALL WARRANTIES WITH RESPECT TO THE APP, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT AND TITLE. ALL DISCLAIMERS OF ANY KIND ARE MADE FOR THE BENEFIT OF AERO PAYMENTS AND ITS AFFILIATES AND THEIR RESPECTIVE SHAREHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, REPRESENTATIVES, LICENSORS, SUPPLIERS, SERVICE PROVIDERS, AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS. WHILE WE TRY TO MAINTAIN THE INTEGRITY AND SECURITY OF THE APP, WE DO NOT GUARANTEE THE APP IS OR WILL REMAIN COMPLETE, CORRECT OR SECURE, OR THAT ACCESS TO THE APP WILL BE UNINTERRUPTED.  

 

LIMITATION OF LIABILITY: AERO PAYMENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND, UNDER ANY CONTRACT, TORT OR OTHER THEORY, INCLUDING DAMAGES FOR LOSS OF PROFITS, USE OR DATA, LOSS OF OTHER INTANGIBLES, LOSS OF SECURITY OF SUBMISSIONS (INCLUDING UNAUTHORIZED INTERCEPTION BY THIRD PARTIES OF ANY SUBMISSIONS), EVEN IF ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. SUBJECT TO AND WITHOUT WAIVER OF THE FOREGOING, AERO PAYMENTS SHALL NOT BE LIABLE FOR DAMAGES OF ANY KIND RESULTING FROM YOUR USE OF OR INABILITY TO USE THE APP. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE APP. 

 

Indemnity: You agree to defend, indemnify and hold harmless Aero Payments and its respective agents, successors and assigns, from and against all claims, liabilities, damages, judgments, awards, losses, costs, expenses and fees (including attorneys’ fees) arising out of or relating to your use of, or activities in connection with, the App and any violation or alleged violation of this Agreement by you.

 

Governing Law: The terms of this Agreement are governed by the laws of the United States (including federal arbitration law) and the State of Florida, without regard to its principles of conflicts of law, and regardless of your location. 

 

Binding Arbitration of All Claims: ALL DISPUTES ARISING OUT OF OR RELATED TO THIS AGREEMENT OR ANY ASPECT OF THE RELATIONSHIP BETWEEN YOU AND AERO PAYMENTS, WHETHER BASED IN CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION OR ANY OTHER LEGAL THEORY, WILL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION BEFORE A NEUTRAL ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY. YOU AGREE THAT AERO PAYMENTS AND YOU ARE EACH WAIVING THE RIGHT TO TRIAL BY A JURY. YOU AGREE THAT ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS. CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED AND YOU ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION. The American Arbitration Association, under its Consumer Arbitration Rules, will administer the arbitration. The Consumer Arbitration Rules can be located through www.adr.org.

 

Termination: These Terms of Service are effective until terminated by Aero Payments. Aero Payments may terminate or suspend your use of the App at any time and without prior notice, for any or no reason at all, including if we believe you have violated or acted inconsistently with the express terms or spirit of these Terms of Service. Upon any such termination or suspension, your right to use the App will immediately cease, and Aero Payments may, without liability to you or any third party, immediately deactivate or delete your account and all associated materials, without any obligation to provide any further access to such materials. The foregoing disclaimers, limitations of liability, and agreement to arbitrate, however, shall survive any expiration or termination of this Agreement.

 

Severability: If any provision of these Terms of Service is found to be unlawful, void or for any reason unenforceable, that provision will be deemed severable from this Agreement and will not affect the validity and enforceability of any remaining provision(s). 

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