Privacy Policy

1. Information We Collect

1.1 Personal Information

We may collect the following categories of personal information:

• Identity Information: Name, date of birth, Social Security Number (SSN), government ID numbers
• Contact Information: Email address, phone number, mailing address
• Business Information: Company name, business address, tax ID (EIN), business type
• Financial Information: Bank account numbers, routing numbers, credit card information (encrypted)
• Account Information: Username, password (hashed), account preferences
• Transaction Data: Payment history, transaction amounts, merchant information

1.2 Automatically Collected Information

When you access our Services, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent, click patterns, referring URLs
• Location Data: General geographic location based on IP address
• Cookies and Similar Technologies: See our Cookie Policy section below

2. How We Collect Information

• Direct Collection: Information you provide when registering, completing forms, or contacting us
• Automated Technologies: Cookies, web beacons, server logs, and analytics tools
• Third Parties: Payment networks, identity verification services, credit bureaus, and business partners

3. How We Use Your Information

We use your personal information for the following purposes:

• Service Provision: Processing payments, maintaining your account, providing customer support
• Verification: Identity verification, fraud prevention, compliance with legal obligations
• Communication: Sending account notifications, transaction alerts, marketing communications (with consent)
• Improvement: Analyzing usage patterns, improving our Services, developing new features
• Legal Compliance: Meeting regulatory requirements, responding to legal requests, enforcing our terms
• Security: Protecting against fraud, unauthorized access, and other security threats

4. Legal Basis for Processing (GDPR Compliance)

For users in the European Economic Area (EEA), we process personal data based on:

• Contractual Necessity: Processing necessary to provide our Services
• Legal Obligation: Compliance with financial regulations and anti-money laundering laws
• Legitimate Interests: Fraud prevention, network security, and service improvement
• Consent: Marketing communications and optional features

5. Information Sharing and Disclosure

We may share your information with:

• Service Providers: Payment processors, cloud hosting, customer support, analytics providers
• Financial Partners: Banks, credit card networks, and payment processors
• Legal Authorities: When required by law, court order, or government request
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize us to share information

We do not sell your personal information to third parties for marketing purposes.

6. Data Security

We implement industry-standard security measures to protect your information:

• 256-bit SSL/TLS encryption for data transmission
• PCI DSS Level 1 certification for payment processing
• Tokenization of sensitive payment data
• Regular security audits and penetration testing
• Employee training on data protection
• Incident response procedures

7. Your Privacy Rights

Depending on your location, you may have the following rights:

7.1 California Residents (CCPA/CPRA)

• Right to Know: Request disclosure of personal information we collect
• Right to Delete: Request deletion of your personal information
• Right to Opt-Out: Opt-out of the sale of personal information (we do not sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your rights
• Right to Correct: Request correction of inaccurate personal information

7.2 EEA Residents (GDPR)

• Right to Access: Request a copy of your personal data
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your data ("Right to be Forgotten")
• Right to Restrict Processing: Limit how we use your data
• Right to Data Portability: Receive your data in a portable format
• Right to Object: Object to certain types of processing

7.3 Exercising Your Rights

To exercise your privacy rights, contact us at:

• Email: privacy@process-transaction.com
• Mail: Process Transaction, LLC
  ATTN: Privacy Officer
  2625 Peyton Road Northwest
  Atlanta, GA 30318
• Phone: 1-800-PROCESS (1-800-776-2237)

We will respond to verified requests within 45 days as required by law.

8. SMS Communications (TCPA Compliance)

If you opt-in to receive SMS messages from us:

• Consent: We obtain express written consent before sending marketing SMS messages
• Message Types: Account notifications, transaction alerts, security alerts, and promotional offers (with separate consent)
• Frequency: Varies based on account activity; typically 2-10 messages per month
• Costs: Message and data rates may apply according to your wireless carrier plan
• Opt-Out: Reply STOP at any time to unsubscribe from SMS messages
• Assistance: Reply HELP for help or contact support@process-transaction.com

9. Data Retention

We retain your personal information for as long as necessary to:

• Provide our Services and maintain your account
• Comply with legal and regulatory requirements (typically 7 years for financial records)
• Resolve disputes and enforce our agreements

10. Children's Privacy

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. International Data Transfers

Your information may be transferred to and processed in the United States and other countries where our service providers operate. We ensure appropriate safeguards are in place to protect your data during such transfers.

12. Cookie Policy

We use cookies and similar technologies to:

• Essential Cookies: Required for the operation of our Services
• Analytics Cookies: Help us understand how visitors interact with our website
• Functionality Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements (with consent)

You can manage cookie preferences through your browser settings.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by:

• Posting the updated policy on our website
• Sending an email to your registered address
• Displaying a notice in your account dashboard

Your continued use of our Services after changes constitutes acceptance of the updated policy.

14. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: