Privacy Policy

Privacy Methodology

Knowledge Works, Inc., a Delaware corporation doing business as PayNet, Inc (“PayNet”) respects your privacy.  This Privacy Statement informs you of our privacy practices and of the choices you can make about the way your information is collected online and how that information is used.  Because information is our cornerstone, privacy and data protection are fundamental values of our business.

Sites Covered by this Privacy Statement

This Privacy Statement applies to all PayNet owned web sites and domains and those of our wholly owned subsidiaries, except when otherwise noted. Please select the following link for the PayNet Canadian Web Site Privacy Statement.

Links to non-PayNet web sites and resources

The PayNet web sites may contain links to third-party web sites for your convenience and information.   PayNet does not control those sites or their privacy practices which may differ from PayNet’s practices.  PayNet does not endorse or make any representations about third-party web sites.  We are not responsible for the privacy practices or the content of such web sites.

Collection and Use of Information

To serve you better, understand your needs and interests, and deliver a consistent and personalized experience, PayNet may collect, export, and use non-financial information on web site users (‘information’) with notice and consent given by consenting to the Terms of Use of this Web Site.  PayNet will not use any information in a way which would be detrimental to you.

For example, when you order or utilize products or services, request information, subscribe to marketing or support materials or enter contests or participate in surveys, we may ask you to provide information to complete these transactions.

The types of information you provide to us on these pages may include contact information such as your name, address, telephone number, and email address; and other unique information such as user IDs and passwords, billing and transaction information, product and service preferences and contact preferences.

In addition to the information you provide, PayNet may also collect information during your visit to a PayNet web site through our automatic data collection tools, which may include Web beacons, cookies, embedded Web links, and other commonly used information-gathering tools. These tools collect certain standard information that your browser sends to our web site such as your browser type and language, access times, and the IP address of the web site from which you arrived at a PayNet web site.

A visitor to a PayNet web site, who is not purchasing products or services, is not required to actively reveal any Personally Identifiable Information such as name, address or telephone number unless the visitor is requesting further information.

If you choose to use a referral program on our site, we will ask you for your referral’s e-mail address and automatically send your referral a one-time e-mail inviting them to visit the site.

PayNet uses and stores this information only for the purpose of sending this e-mail and to provide referral message blocking, where available.

Commercial Credit Reporting Business – Our commercial reporting repository is comprised of commercial data regularly provided by our Member base.  We do not collect, nor does the database contain, consumer loan data.  Access to information on this database is limited to authorized PayNet Members and its use is governed by the PayNet Member (Client) Agreement. 

Protection of Your Information

PayNet takes appropriate technical, contractual, administrative and physical steps to protect against unauthorized access to and disclosure of information we collect.  Our employees are required to maintain the confidentiality of confidential or proprietary information belonging to PayNet or its customers and may not disclose such information without appropriate authorization from a PayNet officer.

We use Secure Sockets Layer (SSL) encryption when collecting or transferring sensitive information such as commercial credit history reports.  This security measure is working when you see the symbol of either an unbroken key or a closed lock at the bottom of your browser window or near the URL (depending on your browser).

PayNet’s primary approved method for accepting client commercial datasets is via our SSL secure file transfer web site.   Please contact us before the unscheduled transmission of any confidential information via our secure web site, e-mail or otherwise.

PayNet will not sell, rent or lease your information to others except as described in this Privacy Statement and in the Member (Client) Agreement as it pertains to our Commercial Credit repository.

PayNet may retain service providers and suppliers to deliver products, services and customer solutions and to assist PayNet with marketing and communication initiatives. These providers and suppliers include, for example, email service providers, automated data processors, customer relationship management services, and shipping agents.  Suppliers and service providers are required by contract to keep confidential the information received on behalf of PayNet and may not use it for any purpose other than to carry out the services they are performing for PayNet.

Access To and Accuracy of Your Information

PayNet strives to keep your information accurately recorded. We have implemented technology, management processes, and policies to help maintain data accuracy.  PayNet provides individuals with reasonable access to information that they provided to PayNet and the reasonable ability to review and correct such information or ask for anonymity, blockage, or deletion, as applicable.

Communications and Privacy Preferences

Subscription communications include email newsletters, software updates, etc. that you expressly requested, are based on your role, and/or that you consented to receive.  After you request or receive such communications, you may opt out of receiving them by using one of the following methods:


Please be aware that when you opt out of receiving certain subscription communications, it may affect the services you have chosen to receive from PayNet where accepting the communications is a condition of receiving the services. You may also opt-out at any time and request that PayNet remove any Personally Identifiable Information (PII) from its servers by sending a separate email with your request to

Minor’s Privacy

Our web sites are not intended for the use of minors or anyone under the age of fifteen (15).  We encourage parents and guardians to take an active role in their children’s online activities and interests. Do not use this website unless you are an adult.

Login to PayNet Services

Access to portions of this Web Site are private and require your email address (username) and an associated password which must be kept private, confidential and secret. You are encouraged to routinely change the password and not use the same password as any other website you currently use.

Your Consent

By using our web sites, you consent to the practices described in this Privacy Statement.

Changes to our Privacy Statement

We may from time to time revise this Privacy Statement with or without notice.  Please check the Privacy Statement each time you use our web sites for the most current information.

Contacting PayNet

We value your opinions. For additional information or if you have comments or questions about our Privacy Statement, please contact us at: or 866-825-3400.


Effective September 1, 2017