Privacy Policy

1. Introduction

This Privacy Policy describes how Paymerica LLC ("Paymerica," "we," "us," or "our") collects, uses, and shares information when you visit our website or submit information through our contact and quote-request forms. By using this site, you agree to the practices described in this policy. If you don't agree, please don't use the site or submit information through it.

2. Information We Collect

We collect information you provide directly to us when you request a quote, ask a question, or otherwise get in touch. This may include:

• Business name and industry or business type
• Contact details, such as your name, email address, and phone number
• Estimated card-processing volume and average transaction size
• Information about your current processor or statement details you choose to share
• Any other information you include in a message to us

We also automatically collect certain technical information when you visit the site, such as IP address, browser type, device information, pages viewed, and referring URLs, as described in the Cookies and Analytics section below.

3. How We Use Information

We use the information we collect to:

• Respond to your inquiries and prepare rate estimates or proposals
• Evaluate whether our merchant-services solutions fit your business
• Communicate with you about our services, including follow-up on your request
• Operate, maintain, and improve the website
• Comply with legal, regulatory, and card-network obligations
• Protect against fraud, abuse, and unauthorized use of the site

4. How We Share Information

We don't sell your personal information. We may share information in the following limited circumstances:

• Service providers. With vendors who perform services on our behalf, such as website hosting, form processing, email delivery, and analytics, under obligations to protect your information.
• Sponsor banks and processing partners. If you move forward with an application, and with your consent, we share application and underwriting information with sponsor banks, payment processors, and card networks as needed to establish and maintain a merchant account.
• Legal requirements. When required by law, subpoena, or other legal process, or to protect our rights, safety, or property.
• Business transfers. In connection with a merger, acquisition, or sale of all or part of our business.

5. Cookies and Analytics

We use cookies and similar technologies to keep the site working properly and may use standard analytics services to understand how visitors use it. Such tools collect information like pages visited, time on site, and general location, and may set their own cookies. You can control cookies through your browser settings; disabling them may affect some site functionality.

6. Data Retention

We retain personal information for as long as needed to fulfill the purposes described in this policy — typically for the duration of our communications with you and any resulting business relationship — and as required to satisfy legal, accounting, or regulatory obligations. When information is no longer needed, we delete it or de-identify it.

7. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect the information we collect. No method of transmission or storage is completely secure, however, so we can't guarantee absolute security. Please don't submit full card numbers, Social Security numbers, or other highly sensitive data through our web forms.

8. Your Rights and Choices

You may request access to, correction of, or deletion of the personal information we hold about you by contacting us using the details below. You can opt out of marketing emails at any time by using the unsubscribe link in those messages. If you're a California resident, the California Consumer Privacy Act (CCPA) may give you additional rights, including the right to know what personal information we collect, the right to request deletion, and the right not to be discriminated against for exercising those rights. We will verify and respond to requests as required by applicable law.

9. Children's Privacy

Our site and services are intended for businesses and are not directed to children under 13. We don't knowingly collect personal information from children. If you believe a child has provided us information, contact us and we'll delete it.

10. Changes and Contact

We may update this Privacy Policy from time to time. The "Last updated" date above reflects the most recent revision, and continued use of the site after changes take effect constitutes acceptance of the revised policy. Questions or requests about this policy can be sent through the contact form.