Privacy Policy, Client Privacy Notice, and Merchant Services Data Protection

1. Information We Collect

We may collect information you submit directly to us when you request a merchant services quote, complete a merchant services application or intake form, request payment processing solutions, ask about low rate credit card processing, request free terminal or Clover POS options, communicate with us by phone or email, or otherwise interact with our business.

Information you may provide directly

• Business name, DBA, business address, billing address, shipping address, website, phone number, email address, and industry description.
• Owner, officer, or principal information, including name, title, contact details, date business was established, ownership percentage, and other onboarding data.
• Tax, identity, and verification information such as EIN, Social Security number, government identification, driver's license, voided check, bank verification materials, and related supporting documents.
• Operational and underwriting information such as processing history, monthly volume, average ticket size, payment timing, deposit practices, transaction type, card-present and card-not-present mix, and current processor data.
• Payment processing documents and supporting records, including merchant statements, FNS information, underwriting documents, compliance materials, and account setup records.
• Communications and support records, including emails, intake submissions, notes, follow-up requests, and customer service interactions.

Information collected automatically

We may also collect limited technical and website-usage information, such as IP address, browser type, device information, pages viewed, referral source, and interaction data, to help operate, secure, monitor, and improve our website and merchant services intake process.

2. How We Use Information

We use information only for legitimate business purposes related to merchant services, payment processing, merchant account setup, risk review, customer service, security, and lawful compliance obligations.

• Review and analyze eligibility for merchant services, payment processing, Clover POS, free terminal placement, and related business payment solutions.
• Prepare rate quotes, pricing reviews, merchant account comparisons, equipment recommendations, and onboarding packages.
• Verify identity, ownership, bank account information, and application integrity.
• Support underwriting preparation, account boarding, processor submission, sponsor bank review, fraud detection, chargeback risk review, and compliance review.
• Provide customer service, respond to inquiries, send requested information, and communicate about your account, application, onboarding status, or service requests.
• Maintain internal records, audit trails, business operations, security monitoring, and quality control.
• Comply with legal, regulatory, card brand, banking, anti-fraud, and recordkeeping obligations.

3. Our No-Sale, No-Spam, No-Lead-List Commitment

We do not sell, rent, trade, license, publish, disclose, or otherwise provide your personal information, business information, financial information, application data, or contact details to third parties for their own advertising, marketing, solicitation, lead generation, list building, telemarketing, or spam-related purposes.

We do not sell email addresses, mobile numbers, business phone numbers, owner contact information, merchant account leads, or application submissions. We do not build or traffic in contact lists using information you submit to us. We do not share your information with data brokers for unrelated commercial use.

When we contact you, we do so for legitimate business reasons, such as responding to your inquiry, discussing merchant services, providing application updates, supporting onboarding, confirming documentation, delivering account-related notices, or sending communications you requested. We do not use your information to engage in spam practices.

4. Limited Circumstances Where Information May Be Disclosed

Although we do not sell or share information for marketing purposes, there are limited and legitimate situations where information may be disclosed to support the services you requested or to comply with legal requirements.

• To acquiring banks, sponsor banks, payment processors, payment gateways, merchant account providers, underwriting entities, equipment providers, Clover-related service channels, or other service partners involved in processing your merchant services request or establishing your account.
• To fraud-prevention, compliance, identity-verification, KYC, OFAC-screening, anti-money-laundering, and risk-management providers where reasonably necessary.
• To technology, hosting, storage, security, backup, analytics, and support vendors acting on our behalf and subject to confidentiality and service limitations.
• To accountants, attorneys, auditors, insurers, regulators, courts, law enforcement, or government agencies where required by law, subpoena, court order, legal process, investigation, or regulatory obligation.
• To protect our rights, the rights of clients, the security of our systems, or to investigate suspected fraud, abuse, unauthorized access, or other harmful activity.
• As part of a merger, acquisition, financing, or asset transfer, subject to appropriate confidentiality and legal protections.

Any such disclosure is limited to what is reasonably necessary for the applicable business, compliance, legal, or security purpose.

5. Data Security and Safeguards

We take data security seriously. Information submitted to us is protected using encryption and industry-standard administrative, technical, and physical safeguards designed to help protect against unauthorized access, misuse, disclosure, alteration, and destruction. Access is limited to authorized personnel and service providers with a legitimate business need to know.

Depending on the systems and workflows involved, our safeguards may include secure transport protocols, access controls, role-based permissions, password protection, document handling controls, logging, monitoring, device security, data minimization practices, retention controls, and vendor oversight.

No method of transmission over the internet or method of electronic storage is guaranteed to be completely secure. However, we use commercially reasonable safeguards appropriate to the sensitivity of the information involved and the nature of our merchant services and payment processing activities.

6. Payment Card Information and Merchant Processing Data

Where payment card data, merchant processing data, or cardholder-related environments are involved, applicable card brand rules, processor requirements, and Payment Card Industry Data Security Standard, or PCI DSS, requirements may apply. PCI DSS provides a baseline set of technical and operational security requirements designed to protect payment account data in environments where payment account data is stored, processed, or transmitted.

We do not use merchant processing information or card-related records for unrelated marketing exploitation. Merchant statements, transaction profiles, average ticket data, deposit timing, and similar materials are used only to review pricing, assess processing structure, evaluate risk, support underwriting preparation, and help establish or support merchant accounts and related payment processing services.

7. Email, Text, and Communication Practices

We do not send spam. We do not sell or distribute your email address, phone number, or contact details for unrelated marketing activity. Commercial email communications, where used, are intended to comply with applicable law, including the CAN-SPAM Act, which generally requires accurate header information, non-deceptive subject lines, identification of commercial messages where required, inclusion of a valid physical postal address, and a mechanism for recipients to opt out of future commercial emails.

Operational, transactional, onboarding, compliance, support, application-status, and account-service messages may still be sent where necessary even if you opt out of promotional marketing messages, because those communications are often not treated the same as general marketing emails.

8. Legal and Regulatory Framework

Our privacy and security practices are designed with reference to applicable federal and industry requirements that may apply depending on our role, the services provided, the entities involved, and the nature of the data at issue. These may include:

• Gramm-Leach-Bliley Act, or GLBA: Federal law that requires covered financial institutions to explain certain information-sharing practices and safeguard sensitive customer data.
• FTC Safeguards Rule: A rule that requires covered financial institutions under FTC jurisdiction to develop, implement, and maintain an information security program with administrative, technical, and physical safeguards to protect customer information.
• PCI DSS: Industry security requirements designed to protect payment account data in payment environments.
• CAN-SPAM Act: Federal law governing commercial email practices.
• State privacy, consumer protection, and data breach laws: Depending on where clients and applicants are located and how services are offered, additional state-specific requirements may apply.

This policy is intended to describe our current practices. It is not a legal opinion about the scope of any particular law, and specific obligations may vary based on facts, business model, processor relationships, and jurisdiction.

9. Cookies, Analytics, and Website Technologies

We may use cookies, session tools, analytics technologies, security tools, or similar website technologies to operate the site, remember settings, improve user experience, defend against abuse, understand traffic patterns, and support conversion tracking related to merchant services inquiries, payment processing interest, Clover POS requests, and related business services.

These technologies are not used by us to sell your information or to create third-party marketing lead lists from sensitive onboarding submissions. Where required by law, applicable notices or consent mechanisms may be used.

10. Data Retention

We retain information for as long as reasonably necessary for the purposes described in this Privacy Policy, including quote preparation, onboarding, account support, compliance review, fraud prevention, recordkeeping, dispute resolution, legal obligations, and internal business operations. Retention periods may vary depending on the type of record, the sensitivity of the information, contractual obligations, and legal or regulatory requirements.

11. Your Choices and Privacy Requests

You may contact us to update inaccurate information, request corrections, ask questions about our privacy practices, or opt out of promotional marketing communications where applicable. Certain information may need to be retained despite a request, including where required for legal compliance, fraud prevention, dispute resolution, recordkeeping, security, or legitimate account-support purposes.

Residents of certain states may have additional rights under applicable state privacy laws, subject to exemptions and verification requirements. We may request information necessary to verify your identity before responding to a privacy request.

12. Policy Changes

We may update this Privacy Policy from time to time to reflect changes in our services, data practices, legal requirements, processor relationships, website functionality, or security practices. The updated version will be posted on this page with a revised effective date. Continued use of our site or services after changes are posted constitutes acknowledgment of the updated policy to the extent permitted by law.

13. Contact Us

Questions about this Privacy Policy, our client privacy notice, our merchant services data handling practices, our payment processing onboarding procedures, or our communication practices may be directed to our company through the contact information published on this website or through your regular account representative.

14. Client Privacy Notice and Expanded Client Letter

This section combines our formal website Privacy Policy with a client-facing notice that may be published on this page, shared with existing clients, or used as part of a broader merchant services privacy communication. It is written to explain, in plain language, how we handle merchant services inquiries, payment processing submissions, merchant account onboarding information, Clover POS requests, point-of-sale equipment inquiries, underwriting preparation materials, and related business records.

Expanded client letter

Dear Valued Client,

We are writing to reaffirm our commitment to client privacy, data protection, responsible communication practices, and secure information handling in connection with our merchant services, payment processing, credit card processing, merchant account onboarding, low rate merchant services reviews, Clover POS requests, free terminal programs, point-of-sale setup, underwriting preparation, and related support services.

When you contact us or submit information to us, whether through a merchant services application, a quote request, an onboarding form, an email inquiry, a phone consultation, or a document upload, we treat that information as confidential business information to be used only for legitimate operational purposes. We do not sell your information. We do not rent your information. We do not trade your information. We do not provide your information to advertising networks, telemarketers, mailing-list operators, or data brokers for their own use. We do not traffic in merchant account leads or client contact records. We do not sell email addresses or phone numbers, and we do not send spam.

The information you provide is used only for lawful and legitimate business functions such as merchant rate analysis, payment processing review, pricing comparison, underwriting preparation, identity verification, fraud prevention, compliance review, merchant account setup, point-of-sale and Clover equipment coordination, account support, recordkeeping, and related service functions. Access to that information is restricted to authorized personnel and service providers who have a legitimate business need to know the information in order to process your request, evaluate your file, support onboarding, maintain your account, or fulfill compliance and security obligations.

We also want to be transparent about the limited circumstances in which information may need to be disclosed. In the merchant services and payment processing context, some information may need to be shared with acquiring banks, sponsor banks, payment processors, underwriting entities, compliance providers, fraud-prevention vendors, secure technology platforms, equipment vendors, or other service providers directly involved in reviewing, establishing, supporting, or maintaining the services you requested. Those disclosures are made only as reasonably necessary for service delivery, security, compliance, fraud prevention, operational support, or lawful obligations, and not for unrelated advertising or list-sale purposes.

Your information is protected through encryption and industry-standard administrative, technical, and physical safeguards designed to reduce the risk of unauthorized access, misuse, disclosure, alteration, or destruction. Depending on the systems involved, those safeguards may include secure transmission methods, access controls, credential protections, logging, monitoring, vendor oversight, document handling controls, retention controls, and other commercially reasonable security measures appropriate to the type and sensitivity of the information involved.

We are also careful about how we communicate with you. We do not sell or distribute your contact information, and we do not send spam. When we email or call you, it is for a legitimate business reason, such as responding to your inquiry, discussing merchant services options, requesting documents, providing onboarding or underwriting updates, sending service-related notices, responding to customer support issues, or communicating about products or services you specifically requested from us. Promotional communications, if any, are intended to be sent in a lawful manner, and account, compliance, and operational notices may still be sent where necessary to service your account or respond to your request.

Our privacy and information security practices are structured with reference to commonly relevant privacy, data security, and communications frameworks that may apply depending on the nature of the services, the role of the parties, the systems involved, and the data handled. These frameworks may include federal privacy rules applicable to covered financial information, FTC security requirements for covered institutions and service providers, PCI data security requirements where payment account data is involved, and commercial email rules governing lawful marketing communications. State privacy, data security, breach notification, consumer protection, and records-retention laws may also apply depending on the jurisdiction and business relationship involved.

We understand that privacy and security are especially important when clients provide business records, owner information, banking details, identity documents, merchant statements, and underwriting materials. For that reason, we remain committed to using submitted information only for legitimate business, onboarding, compliance, fraud-prevention, security, and account-support purposes, and to limiting access to those who genuinely need the information to perform those functions.

We value the trust you place in us. Whether you contact us for merchant services, credit card processing, low rate payment processing, merchant account setup, Clover POS, point-of-sale equipment, free terminal placement, or related business services, our commitment remains the same, protect your information, do not sell your information, do not spam you, and use your information only for legitimate business and legal purposes connected to the services you requested.

If you have questions about this Privacy Policy, our client privacy practices, how your merchant services information is handled, or how your contact information is used, please contact us through the normal company contact channels listed on this website.