Privacy
Policy

Information We Collect

Depending on how you interact with InnoPay, we may collect the following categories of information.

Information You Provide Directly

We may collect information you voluntarily provide, including:

• Name;
• Business name;
• Job title or position;
• Email address;
• Telephone number;
• Mailing or business address;
• Website address;
• Information about your business;
• Products or services offered by your business;
• Information regarding your payment-processing needs;
• Information submitted through contact or inquiry forms;
• Information provided when scheduling a consultation;
• Communications with InnoPay; and
• Other information you voluntarily provide.

Merchant and Account Information

If you apply for or use payment-processing or related Services, additional information may be collected as reasonably necessary to establish, verify, maintain, service, monitor, or support your account.

This may include:

• Business formation information;
• Ownership information;
• Identification information;
• Tax or business identification information;
• Banking information;
• Transaction information;
• Processing volume;
• Average transaction amounts;
• Chargeback and refund information;
• Business verification information;
• Information concerning products and services;
• Website and marketing information; and
• Other information required for underwriting, compliance, fraud prevention, or account servicing.

Payment Information

Depending on how Services are provided, payment information may be collected directly by InnoPay or by third-party payment processors, gateways, acquiring institutions, or other service providers.

Where payment information is collected directly by a third party, that information may be subject to the third party’s privacy policy and security practices.

InnoPay does not intend to collect more payment-card information than reasonably necessary for the Services being provided.

Automatically Collected Information

When you visit our website, certain information may be collected automatically, including:

• IP address;
• Browser type;
• Device type;
• Operating system;
• Referring website;
• Pages viewed;
• Date and time of visits;
• Approximate geographic information derived from technical data;
• Website interactions; and
• Other technical or usage information.

We may use cookies, pixels, tags, analytics tools, or similar technologies to operate, secure, analyze, and improve our website.

How We Use Information

We may use information for legitimate business purposes, including:

• Responding to inquiries;
• Communicating with prospective and existing customers;
• Evaluating applications for Services;
• Providing payment-processing and payment-related Services;
• Facilitating merchant onboarding;
• Performing underwriting and risk assessment;
• Verifying identity and business information;
• Preventing fraud and unauthorized transactions;
• Monitoring transactions and account activity;
• Providing customer support;
• Processing payments;
• Providing reporting and account services;
• Maintaining and improving our website;
• Improving our products and Services;
• Managing business relationships;
• Sending service-related communications;
• Sending marketing communications where permitted;
• Maintaining security;
• Detecting and preventing abuse;
• Complying with legal and regulatory requirements; and
• Exercising or protecting legal rights.

How We Share Information

We may share information with third parties when reasonably necessary to provide our Services, operate our business, protect our users, or comply with legal obligations.

Payment and Financial Service Providers

We may share information with payment processors, acquiring banks, financial institutions, payment networks, gateway providers, fraud-prevention providers, and related service providers.

Technology and Service Providers

We may use third-party providers for services such as:

• Website hosting;
• Cloud storage;
• Customer relationship management;
• Email;
• Scheduling;
• Analytics;
• Customer support;
• Security;
• Fraud prevention;
• Information verification; and
• Business operations.

Legal and Regulatory Parties

We may disclose information when we reasonably believe disclosure is necessary to:

• Comply with applicable law;
• Respond to legal process;
• Respond to governmental requests;
• Enforce agreements;
• Protect our rights or property;
• Protect the safety of users or others; or
• Investigate suspected fraud or unlawful activity.

Business Transfers

If InnoPay is involved in a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or similar business transaction, information may be transferred as part of that transaction, subject to applicable law.

Payment and Financial Information

Because InnoPay operates in the payment-services industry, certain information may be considered financial or nonpublic personal information depending upon the nature of the relationship and the Services involved.

We use reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, disclosure, alteration, or destruction.

Where applicable, additional privacy notices, contractual requirements, or regulatory requirements may apply to particular financial services.

Cookies and Similar Technologies

Our website may use cookies and similar technologies.

These technologies may help us:

• Operate the website;
• Remember preferences;
• Understand website usage;
• Improve website performance;
• Analyze traffic;
• Detect security issues; and
• Measure marketing effectiveness.

You may be able to control cookies through your browser settings. Disabling certain cookies may affect website functionality.

Third-party services used on our website may also use cookies or similar technologies subject to their own policies.

Analytics

We may use analytics services to understand how visitors interact with our website.

Analytics information may include pages visited, time spent on pages, referring sources, device information, browser information, and other technical information.

We use this information to improve our website, services, communications, and user experience.

Marketing Communications

We may use your contact information to communicate with you regarding our Services, company updates, products, promotions, or other information that may be relevant to your business.

Where required by law, we will obtain appropriate consent before sending marketing communications.

You may unsubscribe from marketing emails by using the unsubscribe mechanism contained in the communication or by contacting us.

Even if you opt out of marketing communications, we may continue to send transactional, account-related, security-related, or other necessary service communications.

Data Security

We maintain administrative, technical, and organizational safeguards designed to protect information.

However, no website, electronic transmission, computer system, or storage system can be guaranteed to be completely secure.

You are responsible for maintaining the confidentiality of credentials and account information under your control.

If you believe your information or account has been compromised, please contact us promptly.

Data Retention

We retain information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to:

• Provide Services;
• Maintain business and transaction records;
• Meet contractual obligations;
• Comply with legal, regulatory, tax, accounting, and financial requirements;
• Resolve disputes;
• Prevent fraud;
• Enforce agreements; and
• Protect our legal rights.

Retention periods may vary depending upon the type of information and the nature of the relationship.

Children's Privacy

Our Services are intended for businesses and adults and are not directed toward children under 13.

We do not knowingly collect personal information from children under 13 through our website.

If we learn that we have inadvertently collected personal information from a child under 13, we will take reasonable steps to delete it as required by applicable law.

The FTC’s COPPA framework places specific requirements on websites that knowingly collect personal information from children under 13.

Your Privacy Rights

Depending on your state of residence and applicable law, you may have rights regarding your personal information.

These rights may include, where applicable:

• The right to know what personal information is collected;
• The right to request access to certain personal information;
• The right to request correction of inaccurate information;
• The right to request deletion of certain information;
• The right to opt out of certain forms of data processing;
• The right to opt out of certain marketing communications; and
• The right to appeal certain privacy-related decisions.

These rights are subject to applicable legal exceptions.

To submit a privacy request, contact us using the information provided below.

We may need to verify your identity before completing certain requests.

Do Not Track

Some web browsers provide a “Do Not Track” setting.

Because there is not a universally accepted standard for responding to Do Not Track signals, our website may not respond to all such signals.

Third-Party Websites

Our website may contain links to third-party websites or services.

We are not responsible for the privacy, security, content, or practices of third-party websites.

We encourage you to review the privacy policies of third parties before providing them with personal information.

Third-Party Payment Providers

Certain payment functionality may be provided through third-party processors, gateways, financial institutions, or other payment service providers.

When you interact directly with a third-party provider, that provider may independently collect and process information according to its own privacy policy and contractual terms.

InnoPay does not control the privacy practices of independent third-party providers.

Business Information

If you interact with InnoPay in a business-to-business capacity, certain information may relate to your company rather than to you individually.

We may nevertheless process information associated with business contacts, owners, representatives, employees, officers, and other individuals as reasonably necessary to provide our Services and operate our business.

Confidentiality

InnoPay seeks to limit access to personal and business information to individuals and service providers who have a legitimate business need for that information.

We do not sell personal information as a commodity.

We may, however, disclose information to service providers, financial institutions, processors, technology providers, professional advisers, and other parties as reasonably necessary to operate our business and provide the Services described in this Privacy Policy.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When we make changes, we will update the “Last Updated” date at the top of this Privacy Policy.

We encourage you to periodically review this Privacy Policy to remain informed about how we handle information.

Contact Us

If you have questions about this Privacy Policy or wish to submit a privacy-related request, contact:

Please include enough information for us to understand and respond to your request.

Important Notice Regarding Third-Party Privacy Requirements

Because InnoPay may work with payment processors, acquiring institutions, financial institutions, technology providers, and other service providers, additional privacy notices or contractual provisions may apply to particular Services or customer relationships.

Where an applicable law, regulation, processor requirement, financial-institution requirement, or written agreement imposes additional privacy obligations, those requirements will apply to the extent required by law or contract.