Introduction

PoaPay LLC ("PoaPay," "we," "our," or "us") is committed to protecting the privacy and confidentiality of customer information. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in compliance with applicable federal and state laws, including the Gramm‑Leach‑Bliley Act (GLBA), Bank Secrecy Act (BSA), USA PATRIOT Act, and applicable state money transmitter laws.


Information We Collect

PoaPay collects personal information necessary to provide money transmission services. This may include:
Name, address, phone number, email address
Date of birth and government identification
Bank account and payment information
Transaction history
IP address, browser information, and cookies
Information from credit reporting agencies and identity verification providers


How Information is Collected

Information is collected directly from customers, through website usage, cookies, transaction processing, identity verification providers, and third‑party service providers.


Use of Information

PoaPay uses personal information to:
Provide money transmission services
Verify identity
Prevent fraud and comply with AML requirements
Process transactions
Provide customer support
Meet regulatory reporting obligations


Information Sharing and Disclosure

PoaPay may share information with:
Financial institutions and payment processors
Regulatory agencies including FinCEN
Law enforcement agencies
Service providers under confidentiality agreements
Identity verification providers


GLBA Privacy Protection Disclosure

PoaPay does not sell customer personal information. Information is disclosed only as necessary to provide services or comply with law.


Cookies and Tracking

PoaPay uses cookies and similar technologies to enhance user experience, maintain session security, and analyze usage.


Information Security

PoaPay maintains administrative, technical, and physical safeguards to protect customer information. This includes encryption, access controls, and monitoring.


Data Retention

PoaPay retains customer information as required by federal and state regulations, including FinCEN recordkeeping requirements.


Customer Rights

Customers may request access to or correction of their personal information. Customers may opt‑out of certain information sharing.


AML and Regulatory Reporting

PoaPay may collect and report information to comply with AML laws, including Suspicious Activity Reports (SARs).


State Regulatory Disclosure

PoaPay is licensed in Washington, New Jersey, and Alabama and complies with state privacy and consumer protection laws.


Children's Privacy

PoaPay does not knowingly collect information from individuals under 18.


Third‑Party Links

PoaPay is not responsible for third‑party privacy practices.


Changes to Privacy Policy

PoaPay may update this Privacy Policy periodically.


Contact Information

PoaPay LLC
269 West Valley Ave
Homewood, AL 35209
Email: customer_service@poapay.com
Phone: 1‑205‑267‑6043