Privacy Policy

Information Collection

For each registered user, we collect the consumer's screen name, e-mail address, IP address, country of residence, street address, and zip code. The information we collect is used to customize the content and/or layout of our page for each individual visitor and used by us to contact users regarding their account. This information is not shared with other organizations for commercial purposes without user consent. Unregistered users may use the portions of the PayPath site that do not require registration. The IP addresses of these users are stored.


In addition to personal information—as noted above—we may also collect information that is in no way personally identifiable. This may include your operating system, your internet browser, the domain name of your Internet service provider, and the web sites you visit directly before and after your visit to PayPath.com.


Online Ad Serving. PayPath and some of our advertisers use third-party advertising service companies to serve advertisements when you visit our sites. Often, these third-party advertising companies employ cookie, pixel tag and other technologies to measure the effectiveness of Web and e-mail advertisement and to create a record of interaction with our site content that they use in conjunction with their advertising which appears on other sites, or for reporting web site traffic, statistics, advertisement data and/or other activities on our sites. We will also engage third party providers to assist with the segmentation of this data. The specific providers we use are subject to change. As of the date of the posting of this policy, some of the current providers include DoubleClick and Google Analytics (for information about how to opt out of tracking methods for these entities and others click here).

How does PayPath use my collected information?

In order for PayPath to maintain and operate a site that is free of charge and does not require user registration, we display advertisements on our web site. The information you provide us is also used to help our advertisers target the specific audience they're trying to reach. Only PayPath.com, however, will have access to your personally identifiable information, and you will never be contacted by any party other than PayPath.com. The only exceptions to the foregoing are that we may disclose personally identifiable information (i) in response to legal process, for example, in response to a court order or subpoena, (ii) in response to a law enforcement agency's request, or where we believe it is necessary to investigate, prevent, or take actions regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of another person, violations of our terms of use, or as otherwise required by law, or (iii) in the event we are acquired by or merged with another company.

Other Information: Ad Serving and PayPath.

At times we display ads on our PayPath.com. When you visit PayPath or view ads that we serve off of our network elsewhere on the Internet, you may see multiple kinds of ads, such as text ads next to search results and graphical ads shown on web pages. Sometimes these ads are based on the content of the page on which they appear. Other times these ads are generated by matching the ad to your interests as inferred from your browsing activities collected online. Either way, Paypath tries to show you relevant ads, and to do so, we may use information we know or receive about you like your gender, location or interests.
Cookies

PayPath and third-party vendors use cookies to store visitors preferences, record session information, record user-specific information on what pages users access or visit, alert visitors to new areas that we think might be of interest to them when they return to our site, customize web page content based on visitors' browser type or other information that the visitor sends. If you would prefer that we not collect anonymous data that may be used to help determine which advertisements to serve you, opt out by clicking this icon AdChoices

Editorial Policy

The content of PayPath's emails is chosen completely at the discretion of the PayPath Editorial Team. No one can pay to change the opinions written in a PayPath email. Selling our editorial content would destroy the legitimacy, integrity, and fun of PayPath emails and would ruin the trust between PayPath and its users. On occasion we will send out "sponsored" emails on behalf of our advertisers, artists, or other music related enterprises that have something special to offer the PayPath community, these emails will be marked as sponsored.

Accessing and Changing Your Account Information

Registered users can review the personal information they provided to PayPath and make any desired changes to the information at any time by logging in to their account and editing the information on the account settings page. They can also close their account by contacting PayPath through the contact us page. Users may export their reviews and ratings data at any time using the tools provided by PayPath.

Email Opt Out

Registered users who have elected to receive PayPath email can choose to opt-out at any time by clicking on the "Unsubscribe" link at the bottom of any email. Users can also opt out from PayPath's email from the account section on the user's PayPath page. Further questions or comments regarding privacy can be directed to privacy@paypath.com

Security

We have put in place appropriate physical, electronic and managerial procedures to safeguard and help prevent unauthorized access, maintain data security and correctly use the information we collect.

Changes to the Privacy Policy

This Privacy Policy can change at any time and changes are effective upon posting. Please check back frequently for updates as it is your sole responsibility to be aware of changes. We do not provide notices of changes in any manner other than by posting the changes on this page.

Subscribe to PayPath Newsletter
PayPath
Follow Us on

I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

Advertisement