Privacy Policy
MerchantMe ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit merchant-me.online or use our services.
1. Information We Collect
We collect information you provide directly to us, including:
- Name, email address, phone number, and business information when you apply for an account or contact us
- Payment and financial information for underwriting and account setup (transmitted via encrypted channels)
- Communications you send us, including support requests
We also collect information automatically, including IP address, browser type, pages visited, and referring URLs through standard web logging and analytics tools.
2. How We Use Your Information
- To process your application and provide merchant services
- To communicate with you about your account, transactions, and support
- To send service-related notices and updates
- To comply with legal and regulatory obligations (including BSA/AML and PCI-DSS requirements)
- To improve our website and services
- To detect and prevent fraud and unauthorized activity
3. How We Share Your Information
We do not sell your personal information. We may share your information with:
- Payment networks, acquiring banks, and processors necessary to provide our services
- Service providers who assist us in operating our platform (hosting, analytics, support)
- Regulatory authorities or law enforcement when required by law or court order
- Credit bureaus or fraud prevention services for underwriting purposes
4. Data Security
We implement industry-standard security measures including TLS encryption, PCI-DSS Level 1 compliant infrastructure, and access controls to protect your information. No transmission over the internet is 100% secure, and we cannot guarantee absolute security.
5. Data Retention
We retain your information for as long as your account is active and for up to 7 years afterward as required by financial regulations. You may request deletion of non-essential data by contacting us.
6. Your Rights
Depending on your location, you may have the right to access, correct, or delete your personal information, or to opt out of certain uses. To exercise these rights, contact us at privacy@merchant-me.online.
7. Cookies
We use cookies and similar technologies for session management, analytics (Google Analytics), and to remember your preferences. You can disable cookies in your browser settings, though some features may not function correctly.
8. Children's Privacy
Our services are not directed at individuals under 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with information, contact us immediately.
9. Changes to This Policy
We may update this policy periodically. We will notify you of material changes by posting a notice on our website or contacting you directly. Continued use of our services after changes constitutes acceptance.
10. Contact Us
For questions about this Privacy Policy, contact us at:
MerchantMe · privacy@merchant-me.online · (800) 555-0100