Effective date: January 1, 2025 · Last updated: January 1, 2025
Contents
1Introduction
PayConcepts (“PayConcepts,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, and the choices you have when you visit our website or use our payment processing services (collectively, the “Services”).
By using our Services, you agree to the collection and use of information in accordance with this policy.
2Information we collect
We collect information you provide directly and information collected automatically when you use our Services:
- Information you provide: name, business name, email address, phone number, business address, type of business, and similar details submitted through our application, quote, or support forms.
- Business & processing information: details needed to evaluate and set up merchant accounts, such as estimated monthly card volume and current processor.
- Automatically collected information: device type, browser, IP address, pages viewed, and general usage data collected through cookies and similar technologies.
We do not knowingly collect full payment card numbers through our marketing website. Cardholder data processed through our payment services is handled in accordance with applicable card-network and PCI-DSS requirements.
3How we use information
We use the information we collect to:
- Respond to applications, quote requests, and support inquiries;
- Set up, manage, and support merchant accounts and payment services;
- Communicate with you about your account, products, and updates;
- Improve and secure our website and Services;
- Comply with legal, regulatory, and card-network obligations; and
- Detect and prevent fraud or misuse.
6Data security
We use administrative, technical, and physical safeguards designed to protect your information, including encryption in transit. No method of transmission or storage is completely secure, so we cannot guarantee absolute security, but we work to protect your information consistent with industry standards.
7Third-party services
Our website may link to or rely on third-party services (such as form-handling, analytics, or payment hardware partners). Those services are governed by their own privacy policies, and we encourage you to review them. We are not responsible for the practices of third parties.
8Your choices & rights
Depending on where you live, you may have the right to access, correct, or delete your personal information, or to opt out of certain uses. To make a request, contact us using the details below. You may also unsubscribe from marketing emails at any time using the link in those messages.
9Data retention
We retain personal information for as long as needed to provide our Services, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements.
10Children’s privacy
Our Services are intended for businesses and individuals 18 years or older. We do not knowingly collect personal information from children. If you believe a child has provided us information, please contact us so we can remove it.
11Changes to this policy
We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date above. Material changes will be posted on this page, and your continued use of our Services constitutes acceptance of the updated policy.
12Contact us
If you have questions about this Privacy Policy or your information, contact us: