Privacy Policy

1. Introduction

At E-Merchant, we respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment processing services or visit our website.

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access our website or use our services.

2. Information We Collect

We collect several types of information from and about users of our website and services, including:

2.1 Personal Information

When you register for an account or apply for our services, we collect:

• Contact information (name, email address, phone number, business address)
• Business information (business name, type, EIN, tax ID)
• Banking information (account numbers, routing numbers)
• Identity verification information (SSN, date of birth, government ID)
• Transaction information (payment amounts, dates, payment methods)

2.2 Non-Personal Information

We also collect:

• Usage data (IP address, browser type, operating system)
• Device information
• Cookies and tracking technologies
• Analytics data about how you interact with our services

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Verify your identity and prevent fraud
• Comply with legal and regulatory requirements
• Respond to your requests and provide customer support
• Send administrative information, such as updates to our terms, conditions, and policies
• Send marketing communications (with your consent)
• Monitor and analyze usage patterns and trends

4. Data Security

We implement appropriate technical and organizational measures to protect the security of your personal information. However, please be aware that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

We maintain PCI DSS compliance and employ industry-standard encryption, firewalls, and access controls to protect your information.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

6. Disclosure of Your Information

We may disclose your personal information in the following circumstances:

6.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, and customer service.

6.2 Business Transfers

If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

6.3 Legal Requirements

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 or government agency).

7. Your Data Protection Rights

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

• Right to access — the right to request copies of your personal information
• Right to rectification — the right to request that we correct inaccurate information
• Right to erasure — the right to request that we delete your personal information
• Right to restrict processing — the right to request that we restrict the processing of your information
• Right to data portability — the right to request that we transfer your information to another organization
• Right to object — the right to object to our processing of your personal information

To exercise any of these rights, please contact us using the information provided in the “Contact Us” section.

8. Cookies Policy

We use cookies and similar tracking technologies to track activity on our website and store certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier.

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.

We use the following types of cookies:

• Essential cookies — necessary for the basic function of the website
• Functionality cookies — remember your preferences
• Performance cookies — collect information about how you use our website
• Targeting cookies — help us to provide you with relevant advertisements

9. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us.

10. 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 “Last Updated” date.

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.

11. Contact Us