Effective Date: July 20, 2025

Welcome to Payminate.com! At Payminate, we are committed to protecting the privacy and security of your personal information. This Privacy Policy describes how Payminate (“we,” “us,” or “our”) collects, uses, and shares information when you use our website Payminate.com, our merchant account services, and related products (collectively, the “Services”).

By accessing or using our Services, you agree to the collection and use of your information in accordance with this policy.

1. Information We Collect

We collect various types of information to provide and improve our Services to you.

• Information You Provide to Us Directly:
  • Contact Information: Name, email address, phone number, mailing address.
  • Business Information: Company name, business type, industry, tax identification number, business registration details, owner/principal details.
  • Financial Information: Bank account details (for payouts), transaction data, credit card processing history.
  • Account Credentials: Usernames, passwords, and other security information for authentication and access.
  • Communications: Information you provide when you contact us for support, inquiries, or feedback.
• Information We Collect Automatically:
  • Usage Data: Information about how you access and use our Services, such as your IP address, browser type, operating system, pages viewed, time spent on pages, and referring URLs.
  • Device Information: Information about the device you use to access our Services, including device identifiers, model, and network information.
  • Location Information: General location data derived from your IP address.
  • Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to track activity on our Services and hold certain information. (See “Cookies and Tracking Technologies” section below).
• Information We Collect from Third Parties:
  • We may receive information about you from third-party partners, such as credit bureaus, fraud prevention services, and payment networks, to assess your eligibility for our services, comply with regulatory obligations, and prevent fraud.

2. How We Use Your Information

We use the collected information for various purposes, including:

• To Provide and Maintain Our Services: To process transactions, manage your merchant account, facilitate payments, and deliver the services you request.
• To Improve and Personalize Our Services: To understand how our Services are used, analyze trends, develop new features, and customize your experience.
• For Communication: To send you service announcements, technical notices, updates, security alerts, and support messages. We may also send you marketing communications about our products and services, from which you can opt out.
• For Security and Fraud Prevention: To protect our Services, our users, and the wider payment ecosystem from fraud, unauthorized access, and other illegal activities.
• For Compliance and Legal Obligations: To comply with applicable laws, regulations, industry standards (e.g., PCI DSS), and legitimate requests from law enforcement or other government bodies.
• For Business Operations: For internal reporting, analytics, auditing, and other legitimate business interests.

3. How We Share Your Information

We may share your information with third parties in the following circumstances:

• With Service Providers: We may share your information with third-party vendors, consultants, and other service providers who perform services on our behalf, such as payment processors, fraud prevention services, customer support, data analysis, and hosting services. These third parties are obligated to protect your information and use it only for the purposes for which it was disclosed.
• With Payment Networks and Financial Institutions: We share necessary transaction data with card networks (e.g., Visa, Mastercard) and acquiring banks to process and settle your transactions.
• For Legal Reasons: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or government agency).
• To Protect Our Rights: We may disclose your information when we believe it is necessary to protect the rights, property, or safety of Payminate, our customers, or others, or to investigate, prevent, or take action regarding potential violations of our policies or any illegal activities.
• Business Transfers: In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company, your information may be transferred.
• With Your Consent: We may share your information with third parties when we have your explicit consent to do so.
• Aggregated or Anonymized Data: We may share aggregated or anonymized data that cannot reasonably be used to identify you.

4. Data Security

We implement reasonable technical, administrative, and physical security measures designed to protect your information from unauthorized access, use, alteration, and disclosure. However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

5. Your Choices and Rights

Depending on your location and applicable laws, you may have certain rights regarding your personal information, including:

• Access: The right to request access to the personal information we hold about you.
• Correction/Rectification: The right to request that we correct any inaccurate or incomplete personal information.
• Deletion/Erasure: The right to request the deletion of your personal information, subject to certain exceptions (e.g., legal obligations).
• Opt-out of Marketing: You can opt-out of receiving promotional communications from us by following the unsubscribe instructions provided in those communications. Please note that even if you opt-out, we may still send you non-promotional messages related to your account or our ongoing business relations.
• Data Portability: The right to receive your personal information in a structured, commonly used, and machine-readable format.

To exercise these rights, please contact us using the contact information provided below. We will respond to your request in accordance with applicable law.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. Cookies are files with a small amount of data that are sent to your browser from a website and stored on your device.

We use cookies for:

• Essential functionality: To make our Services work.
• Performance and Analytics: To collect information about how you use our Services and to improve them.
• Personalization: To remember your preferences.
• Advertising: To deliver relevant ads.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

7. Third-Party Links

Our Services may contain links to websites or services operated by third parties. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

8. Children’s Privacy

Our Services are not directed to individuals under the age of 18 (“Children”). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children have provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from Children without verification of parental consent, we take steps to remove that information from our servers.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Effective Date” at the top. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• By email: contact@payminate.com
• By visiting this page on our website: https://payminate.com/contact