Last updated: August 30, 2025
Help you pay and get paid
We use your name, email, and shipping address to help you make payments and purchases easily, and we don't share your full financial information.
Personalize your experience
We use your online purchase history to tell you about products we think you'll like.
Communicate with you
We use your data to update you on your Misyar activity and, if you're subscribed to news and promotions, we'll send info about other offers and services.
Help protect your account
We use your data to help prevent fraudulent use of your account, meet anti-money laundering requirements, and help keep you and the Misyar community safe.
Overview
Misyar (a trading name of classorcreed limited) ("we," "our," "us," "Misyar") provides this Privacy Statement to describe our use of your Personal Information when you use your Misyar account, visit our websites, or apply for, or use our Services.
We encourage you to read this Privacy Statement and to use it to help you make informed decisions.
We revise this Privacy Statement from time to time to reflect changes to our business, Services, or applicable laws. If the revised version requires notice in accordance with applicable law, we will provide you with 30 days prior notice by posting notice of the change on the "Policy Updates" or "Privacy Statement" page of our website, otherwise the revised Privacy Statement will be effective as of the published effective date. If you are a new User or are receiving this Privacy Statement for the first time and there is an upcoming change described on the Policy Updates or Privacy Statement page at the time you receive this Privacy Statement, such upcoming change will apply to you on the indicated effective date.
For most of our Services, we act as a "data controller" or "business", however there are some products and features where Misyar may also act as a "data processor" or "service provider" when providing services to our Partners and Merchants. The "data controller" or "business" (each as defined under applicable data protection laws) is the entity that has the control over the purposes and means by which the data processing is performed. The "data processor" or "service provider" (each as defined under applicable data protection laws) is the entity that processes the Personal Information for the data controller, for the data controller's specific purposes, and as otherwise permitted under applicable data protection laws.
Categories of Personal Information We Collect
Categories of Personal Information collected from you, including from your interactions with us and use of the Services:
Personal Identifiers
Such as Name, Business Name, Address, Phone Number, Email, IP address, Device Information, Information collected from cookies or other tracking technologies, other information necessary to establish an account or profile.
Records and Financial Information
Such as, bank account and routing numbers, credit and debit card information, amount you send or request, other financial information.
Transaction and Experience Information
Such as online shopping cart information, shopping activity and goods or services considered on Partners and Merchants sites, shipping options and associated costs when you check out, purchase history, and order tracking and product information.
Geolocation
We may collect IP-based geolocation data and Global Positioning System (GPS) with your consent during your user experience or based on your mobile application settings.
Internet or Network Activity
Interactions with our Services, Information about response time for web pages, download errors, date and time when you used the service, Location Information, such as your IP address, statistics regarding how pages are loaded or viewed, the websites you visited before coming to the Sites and other usage and browsing information collected through Cookies ("Technical Usage Data").
Professional or Employment Information
Including business information, job title, contact emails, phone numbers and taxpayer ID numbers.
Imported Contact Information
Including name, address, phone number, images, email address or usernames associated with the contacts.
Misyar Account Profile Information
Username, profile picture, gender, or personal description which you add that may include sensitive personal information.
Information You Provide When You Contact Us
Your response to surveys, recorded conversations, chat conversations with us, email correspondence with us, account or profile status, repayment history, voice identification, Information about others if you choose to share it with us.
Inferred Data
We may infer information about you such as your preferences and shopping behaviour, based on your transactions and interactions with our Services or with our Partners and Merchants.
Characteristics of Protected Classifications
Including age or date of birth, national origin, disability, citizenship.
Sensitive Personal Information
Social Security number, government-issued identification, bank account and routing numbers, credit and debit card information, voice identification and Photo IDs or Precise Geolocation.
Information from Your Device
Including, language settings, browser ID, cookie preferences, time zone, operating system, platform, screen resolution and similar information about your device settings, data collected from cookies or other tracking technologies.
We may also obtain the above categories of Personal Information from the following categories of sources:
Third Parties
Service Providers, Partners and Merchants, Payment Partners, such as card networks and payment processors, Credit Reporting Agencies, Government Entities, Data Brokers, and Financial Institutions.
Linked Accounts
Non-financial or financial accounts you agree to link to Misyar, such as social network accounts, mail accounts or for open banking. You may change your mind about use of this feature and unlink your linked accounts at any time. If you choose to link these accounts or share such information with us, we will periodically collect and process it until you unlink the account.
Third Party Applications
Applications that you choose to use for example, the Apple App Store, Google Play Store, or social networking sites.
How is Personal Information Used?
We may process your Personal Information for a variety of reasons, including to provide our Services, for security and fraud prevention and to comply with law. We may also use personal data to participate in certain features, that while not necessary for use of the Services, may be of interest to you, such as syncing your contact list to your account, personalize content and offers, targeted advertising, or connecting to a third-party platform. Some of these features may be offered with an opt-out, or require your consent to enable.
We may collect Personal Information to:
Provide our Services
Such as to help you send, receive or request money, initiate a payment, add monetary value to an account, pay a bill, administer your purchases, display shipping options and associated costs when you check out, account and payment information, send and receive Visa+ transactions, to assess your creditworthiness in connection with our Services, confirm your identity and your contact information, to authenticate your access to your account and to confirm your account or profile and financial information is accurate and up to date. For Visa+, we will receive the recipient's name and payment information from Visa and third-party Visa+ participating digital wallets for the purpose of processing and matching Visa+ payment transactions between participating digital wallets and Misyar. If you are using Fastlane, we will also use your Personal Information and payment method details to determine whether the payment you are making with a participating Partner or Merchant is authorized by you and likely to be successfully authorized by the payment method you choose to use when you make a purchase using details from your profile.
Manage and Improve our Services
For example, to develop new products and features, for customer analysis, to administer our Services, and for internal operations, for example troubleshooting, data analysis, testing, research, and statistical purposes.
Manage Fraud and Risk
We conduct risk analysis, fraud prevention and risk management to protect our customers and business, including fraud that involves our Partners and Merchants and strategic ventures.
How Long Does Misyar Store Your Personal Information?
We retain Personal Information for as long as needed or is permitted in context of the purpose for which it was collected and consistent with applicable law.
Retention Criteria
Standard Retention Period
Personal Information used for the ongoing relationship between you and Misyar is stored for the duration of the relationship plus a period of 10 years, unless we need to keep it longer, such as:
- A legal obligation or compliance with laws to which we are subject is retained consistent with the applicable law, such as under applicable bankruptcy laws and AML obligations
- Litigation, investigations, audit and compliance practices, or to protect against legal claims
Biometric Data
We retain biometric data for as long as needed or permitted given the purpose for which it was collected and no more than 3 years after your account closes, unless otherwise required by applicable law.
How Do We Use Cookies and Tracking Technologies?
When you interact with our Services, open email we send you, or visit a third-party website for which we provide Services, we and our partners use cookies and other tracking technologies such as pixel tags, web beacons, and widgets (collectively, "Cookies") to:
- Recognize you as a user
- Customize your online experiences and online content
- Serve you interest-based advertising
- Perform analytics
- Mitigate risk and prevent potential fraud
- Promote trust and safety across our Services
Data Collection
We use Cookies to collect your device information, internet activity information, and generate inferences as described above.
Cookie Controls
You can disable or decline some Cookies for our Services. But, since some parts of our service rely on Cookies to work, those services could become difficult or impossible to use.
Some web browsers have an optional setting called "Do Not Track" (DNT) that lets you opt-out of being tracked by advertisers and some third parties. Because many of our services won't function without tracking data, we do not respond to DNT settings.
Your Data Protection Rights
Under applicable data protection law, depending upon the jurisdiction in which you reside and subject to applicable exceptions and definitional differences among various state laws, you may have certain rights about how your Personal Information is collected, stored, used and shared.
Access and Knowledge
Right to know your information and third-parties to which we have disclosed Personal Information.
Correction
Right to correct or update your Personal Information.
Deletion
Right to request deletion (erasure) of your Personal Information.
Restriction
Right to restrict certain information and opt-out of sharing and limit use and disclosure of sensitive personal information.
Global Privacy Control
Misyar does not respond to the Global Privacy Control signal because we do not sell or share your data. This browser setting typically notifies website owners of users' privacy preferences regarding selling or sharing their Personal Information for cross-context behavioral advertising.
We will not deny you services, charge you different prices, or provide you with a different level of service solely for exercising your privacy rights; although, certain personalized services for Misyar customers may not provide the same level of personalization with limited data sharing.
Can Children Use Our Services?
We do not knowingly collect information, including Personal Information, from children or other individuals who are not legally allowed to use our Services.
Please contact us if you believe that we have mistakenly or unintentionally collected information from someone not allowed to use our Services.
Our Contact Information
If you have questions about this Privacy Statement or your Personal Information, contact us so we can help. To talk about your Misyar account: