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Privacy Policy

Effective Date: 05/15/2025

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1. Introduction

Pay Pax Consulting ("we," "us," or "our") is committed to protecting the privacy and security of our clients, merchants, and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard personal and business information in connection with our services, including merchant account management, merchant recruitment, and fraud prevention.

By engaging with our services, visiting our website, or providing us with your information, you agree to the terms outlined in this Privacy Policy.

2. Information We Collect

We may collect the following types of information:

A. Personal Information

  • Name, email address, phone number, and mailing address

  • Business name, tax ID, and industry details

  • Financial information (e.g., bank account details, payment processing statements)

  • Government-issued identification (for fraud prevention and compliance)

B. Business Information

  • Merchant account applications and underwriting documents

  • Transaction histories and processing volumes

  • Fraud detection and risk assessment data

C. Technical & Usage Data

  • IP address, browser type, and device information

  • Website usage data via cookies and analytics tools

3. How We Use Your Information

We use collected information for the following purposes:

  • Merchant Account Management: Assisting with account setup, underwriting, and compliance.

  • Merchant Recruitment: Evaluating and onboarding new merchants.

  • Fraud Prevention: Detecting and mitigating fraudulent activities.

  • Customer Support: Responding to inquiries and resolving issues.

  • Legal & Regulatory Compliance: Meeting financial and anti-fraud regulations.

  • Marketing & Communications: Sending service updates (with opt-out options).

4. How We Share Information

We may disclose information to:

  • Payment Processors & Financial Institutions: For merchant account approvals.

  • Fraud Prevention & Compliance Partners: To verify identities and prevent fraud.

  • Legal & Government Authorities: When required by law or to protect our rights.

  • Service Providers: Third-party vendors assisting with our operations (under confidentiality agreements).

We do not sell personal information to third parties.

5. Data Security

We implement industry-standard security measures, including encryption, access controls, and fraud monitoring, to protect your data. However, no system is 100% secure, and we cannot guarantee absolute security.

6. Your Privacy Rights

Depending on your jurisdiction, you may have the right to:

  • Access, correct, or delete your personal data.

  • Opt out of marketing communications.

  • Restrict or object to certain data processing.

  • Request data portability (where applicable).

To exercise these rights, contact us at [Your Contact Email].

7. Retention of Data

We retain information only as long as necessary for business, legal, or fraud prevention purposes.

8. Changes to This Policy

We may update this Privacy Policy periodically. The latest version will be posted on our website with the effective date.

9. Contact Us

For questions or concerns regarding this Privacy Policy, please contact:

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