Privacy Policy

Privacy Policy Last Updated February 8, 2026

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our payment-processing and merchant services. By accessing or using our website and services, you agree to the practices described in this Privacy Policy.

1. Information We Collect
Personal Information: We may collect information you voluntarily provide, including name, email address, phone number, business name, business address, EIN, merchant application details, and identification documents required for underwriting (KYC).

Financial & Transaction Information: We may collect bank account details for payouts, transaction amounts, timestamps, card brand information, fees, chargeback details, and refund records.

Device & Usage Data: We may collect IP address, browser type, operating system, pages visited, and data collected through cookies and analytics tools.

Communication Records: This includes emails, messages, form submissions, and customer support interactions.

2. How We Use Your Information
We use the information collected to underwrite and approve merchant accounts, provide payment processing services, handle payouts and settlements, support chargeback and fraud prevention activities, communicate about services or support, improve website performance, and comply with legal and regulatory obligations (PCI, AML, KYC, banking rules).

3. How We Share Your Information
We may share information with payment processors and banking partners (including upstream partners such as PAYBOTX) for underwriting, transaction processing, and risk management. We may share information with service providers who assist with hosting, analytics, customer support tools, security, and compliance systems. We may disclose information to law enforcement or regulatory authorities when required by law, subpoena, or audit obligations. We do not sell personal information. Where we use service providers, they may access information only to perform services for us and are expected to protect it.

4. Cookies & Tracking Technologies
We use cookies and similar technologies, including cookies that may be set by third-party analytics providers, to operate the site, understand usage, and improve performance. You can control cookies through your browser settings and, where available, our cookie banner or preference tools. Disabling cookies may affect site functionality.

5. Data Security
We implement reasonable physical, technical, and administrative safeguards such as encryption, secure servers, access controls, and PCI-compliant partner systems. While no system is completely secure, we follow industry standards to protect your information.

6. Your Rights & Choices
Depending on your location, you may have the right to access, update, correct, or request deletion of your information (when legally permitted). You may also opt out of marketing communications or restrict certain uses of your data. To exercise these rights, contact us using the contact information at the end of this policy. We will verify your request and may need additional information to confirm your identity before fulfilling certain requests.

7. Data Retention
We retain merchant and transaction information as required by federal and state laws, banking regulations, PCI compliance requirements, and fraud or chargeback timeframes. Retention typically ranges from 3-7 years.

8. Third-Party Links
Our website may include links to external websites. We are not responsible for the content or privacy practices of those third-party sites.

9. Children's Privacy
We do not knowingly collect information from anyone under the age of 18.

10. Updates to This Policy
We may update this Privacy Policy at any time. The "Last Updated" date at the top will reflect any changes.

11. Contact Information
For questions regarding this Privacy Policy or your data rights, contact: Email: northwoodsmerchantsolutions@outlook.com