Privacy Policy

Independent Paynex Agent Website

1. Introduction

This website is independently operated by an independent sales representative, agency, referral partner, contractor, or independent business utilizing Paynex-related infrastructure, services, software, technology systems, or services available through Paynex ("Agent").

This Privacy Policy describes how information may be collected, used, stored, processed, and shared when you visit or interact with this website ("Website").

By accessing or using this Website, you acknowledge and agree to the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, please discontinue use of this Website.

2. Information We May Collect

Depending on how you interact with this Website, information collected may include:

Personal Information

Name
Business name
Email address
Phone number
Mailing address
Merchant or business information
Information submitted through forms or applications

Technical Information

IP address
Browser type
Device type
Operating system
Referral URLs
Website interaction data
Approximate geographic location
Cookies and tracking data

Communications Information

Email communications
SMS interactions
Call records or voicemail information
Form submissions
CRM activity records

3. How Information May Be Used

Information collected through this Website may be used for purposes including:

Responding to inquiries
Contacting prospective merchants or customers
Providing requested information
Merchant onboarding
CRM management
Lead management
Customer support
Appointment scheduling
Website improvement
Analytics and reporting
Fraud prevention
Compliance review
Operational administration
Communication regarding services

4. Information Sharing

Information may be shared with:

Payment processors
Merchant service providers
CRM systems
Technology platforms
Website hosting providers
Communication providers
Automation systems
Service providers
Compliance partners
Operational vendors

Information may also be disclosed:

To comply with applicable laws
To respond to legal requests
To investigate fraud or security concerns
To protect operational integrity
During business restructuring, acquisition, or transfer activities where permitted by law

We do not sell personal information in exchange for direct monetary compensation.

5. Third-Party Services

This Website may utilize third-party services including:

CRM systems
Hosting providers
Analytics providers
Payment-related systems
Email providers
SMS systems
Automation tools
APIs
Embedded integrations

Third-party services operate independently and may have separate privacy policies and terms.

The Agent is not responsible for:

Third-party outages
Security failures
Service interruptions
Data handling practices of third-party providers

Users should review applicable third-party privacy policies where appropriate.

6. Cookies & Tracking Technologies

This Website may use:

Cookies
Analytics tools
Tracking pixels
Session technologies
Advertising technologies
CRM tracking systems

These technologies may be used to:

Improve Website functionality
Analyze Website traffic
Measure campaign performance
Track interactions
Improve user experience
Support operational systems

Users may disable cookies through browser settings; however, some Website functionality may be limited.

7. Communications Consent

By submitting information through this Website, users consent to receive:

Emails
SMS messages
Phone calls
Appointment reminders
Follow-up communications
Operational notifications

Message and data rates may apply.

Consent may be withdrawn where permitted by law by following applicable unsubscribe or opt-out instructions.

8. Data Retention

Information may be retained for operational, business, compliance, legal, security, backup, analytics, fraud prevention, or recordkeeping purposes.

Retention periods may vary depending on:

Business needs
Legal requirements
Processor requirements
Compliance obligations
Operational considerations

The Agent reserves the right to retain records where necessary to:

Comply with legal obligations
Resolve disputes
Enforce agreements
Prevent fraud
Maintain operational integrity

9. Data Security

Reasonable administrative, technical, and organizational measures may be used to help protect submitted information.

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

Users acknowledge that:

Internet communications carry inherent risks
Absolute security cannot be guaranteed
Users submit information at their own risk

10. No Financial Institution Relationship

This Website is independently operated and is not a bank, lender, government agency, or financial institution.

Submission of information through this Website does not establish:

A banking relationship
Financial approval
Fiduciary relationship
Guaranteed merchant account approval
Guaranteed funding

Any processing or financial services referenced through this Website are subject to review and approval by applicable third-party providers, processors, underwriting departments, or financial institutions.

11. Children's Privacy

This Website is not intended for individuals under the age of 18.

The Agent does not knowingly collect personal information from children.

If information from a minor is believed to have been submitted, appropriate steps may be taken to remove such information where reasonably possible.

12. Your Rights

Depending on applicable laws and jurisdiction, users may have rights relating to:

Accessing information
Correcting information
Deleting information
Opting out of certain communications
Requesting information regarding collected data

Requests may be submitted using the contact information provided on this Website.

Identity verification may be required before certain requests are processed.

13. Changes to This Privacy Policy

This Privacy Policy may be updated at any time without prior notice.

Updated versions become effective upon posting to this Website.

Continued use of the Website constitutes acceptance of the updated Privacy Policy.

14. Contact Information

For questions regarding this Privacy Policy or data practices, please contact the Website operator using the contact information provided on this Website.

Footer Disclosure Recommendation

Independent Paynex Sales Representative Website

Merchant approvals subject to underwriting and processor review.

Not a bank, lender, or financial institution.