Privacy Notice

Effective Date: January 2024

Introduction

We respect your privacy and are committed to protecting it through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit the Website and/or Services [PayiQ | Cloud-Enabled Payment Processing (pay-iq.com)] (our “Website”) or when you use our payment processing products and services (“Services”) and our practices for collecting, using, maintaining, protecting, and disclosing that information. For the purposes of this Privacy Notice, the term “you” may mean visitors to the LedgerPay Website(s) and/or Services, individual users of the LedgerPay platform(s), merchants or legal entity’s using the LedgerPay platform(s), or owners/principal controllers of merchants which utilize LedgerPay Services.

This policy applies to information we collect:  

• On this Website and/or Payment Platform.  
• In email, text, and other electronic messages between you and this Website and/or Services platform(s).  

It does not apply to information collected by:  

• Use offline or through any other means; or  
• Any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website and/or Services platform(s).  

Purpose

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website and/or Services. By accessing or using this Website and/or Services, you agree to the conditions outlined in this Privacy Notice. This Notice may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website and/or Services after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates. 

Children Under the Age of 18  

Our Website and/or Services are not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Website and/or Services. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website and/or Services or on or through any of its features. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at:  

payiq-ops@quisitive.com

California residents under 18 years of age may have additional rights regarding the collection and sale of their personal information.  

Information We Collect About You and How We Collect It  

We collect several types of information from and about users of our Website and/or Services, including information:

• By which you may be personally identified, such as name, postal address, e-mail address, telephone number, full or partial social security number, or other personal information including your date of birth and banking information (“personal information”).
• That is about you but individually does not identify you; and/or
• About your internet connection, the equipment you use to access our Website and/or Services, and usage details.

We collect this information  

• Directly from you when you provide it to us.  
• Automatically as you navigate through the Website and/or Services. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies. This information is collected to provide our Website and/or Services to visitors or users and to detect and prevent fraud.  
• From third parties, for example, our business partners.  

Information You Provide to Us    

The information we collect may include: 

• Information that you provide by filling in forms on our Website and/or Services. This includes information provided at the time of registering to use our Website and/or Services and is used to add registrants to our newsletter, allow users to comment on Website and/or Services blog posts, or allow users to request information from us. We may also ask you for information when you report a problem with our Website and/or Services.
• Information that you provide when applying for merchant payment processing services. This information may include names, addresses, telephone numbers, dates of birth, Social Security numbers, and banking information. This information is collected to validate and verify the identity of applicants or business-related information.
• Records and copies of your correspondence (including email addresses) if you contact us.

You also may provide information to be published or displayed (hereinafter, “posted”) on public areas of the Website or transmitted to other users of the Website and/or Services or third parties (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk.  Please be aware that we cannot control the actions of other users of the Website and/or Services with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website and/or Services, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including: 

• Details of your visits to our Website and/or Services, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website and/or Services.
• Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically helps us to prevent fraud and improve our Website and/or Services and to deliver a better, more personalized service. This includes enabling us to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize our Website and/or Services according to your individual interests.
• Speed up your searches.
• Recognize you when you return to our Website and/or Services platform(s). The technologies we use for this automatic data collection may include: 
• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting, you may be unable to access certain parts of our Website and/or Services. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website and/or Services. 
• Flash Cookies. Certain features of our Website and/or Services may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website and/or Services. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.
• Web Beacons. Pages of our Website and/or Services may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the us, for  example, to count users who have visited those pages and for other related Website and/or  Services statistics (for example, recording the popularity of certain Website and/or Services content and verifying system and server integrity). 

How We Use Your Information  

We may use information that we collect about you or that you provide to us, including any personal information: 

• To present our Website and its contents to you.
• To provide you with information, products, or services that you request from us.
• To verify your identity and/or validate business information upon your application for financial products or services.
• To fulfill any other purpose for which you provide it.
• To provide you with notices about your account, including expiration and renewal notices.
• To enroll you in our newsletter.
• To comply with applicable legal and regulatory laws.
• To carry out our obligations and enforce our rights arising from any contracts entered between you and us, including for billing and collection.
• To notify you about changes to our Website and/or Services or any product(s) we offer or provide through them.
• In any other way we may describe when you provide the information.
• For any other purpose with your consent.

We may also use your information to contact you about our own and third parties’ goods and services that may be of interest to you. If you do not want us to use your information in this way, please contact us at payiq-ops@quisitive.com to be removed from any future contact and from any historical records as they might exist. 

Disclosure of Your Information  

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction. 

We may disclose personal information that we collect or that you provide as described in this Privacy Notice: 

• To our subsidiaries and affiliates.
• To contractors, service providers, and other third parties we use to support our business.
• To banking institutions as necessary to for the merchant account application and relationship.
• To our third-party service providers to verify your creditworthiness upon your application for financial products or services.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website and/or Services’ users is among the assets transferred.
• To third parties to market their products or services to you if you have not opted out of these disclosures.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• For any purpose for which you have provided your consent.

We may also disclose your personal information:  

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.  
• To enforce or apply our Terms of Service and other agreements, including for billing and collection purposes. 
• If we believe disclosure is necessary or appropriate to protect our rights, property, or safety, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.  

Choices About How We Use and Disclose Your Information  

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information: 

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
• Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt out by following the instructions for unsubscribing from the mailing list contained in the communication you have received, or you can also always opt out by sending us an email stating your request to payiq-ops@quisitive.com. 
• Promotional Offers. If you do not wish to have your contact information used by us to promote our own or third parties’ products or services, you can opt out by following the instructions for unsubscribing from the mailing list contained in the communication you have received or at any other time by sending us an email stating your request to payiq-ops@quisitive.com. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. 
• Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, you can opt out by sending us an email stating your request to payiq-ops@quisitive.com.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website. 

California residents may have additional personal information rights and choices. 

Nevada residents who wish to exercise their sale opt-out rights under Nevada Revised Statutes Chapter 603A may submit a request to this designated address: payiq-ops@quisitive.com.

Your California Privacy Rights  

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, review our Privacy Notice for California Residents located in the section below. 

Data Security  

We have implemented measures designed to protect your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. Any payment transactions will be encrypted.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website and/or Services, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website and/or Services. Any transmission of personal information by you to us is at your own risk. We are not responsible for third-party circumvention of any privacy settings or security measures contained on the Website and/or Services platform(s). 

Changes to This Policy

It is our policy to post any changes we make to the Privacy Notice on this page. If we make material changes to how we treat our users’ personal information, we will notify you through a notice on the Website and/or Services platform home page(s) or send the updated version of this Notice to your email address on file. The date the Privacy Notice was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and/or Services and this Privacy Notice to check for any changes. 

Contact Information

If you have any questions about our Privacy Policy, or if you want to know what information we have collected about you, please email us at payiq-ops@quisitive.com. You can also correct any factual errors in that information or request us to remove your details from any list under our control.

California Consumer Privacy Statement

Last Updated: August, 2022 

This California Consumer Privacy Statement (“Statement”) supplements the Quisitive Privacy Notice and applies solely to California consumers. This Statement does not apply to Quisitive personnel or job applicants.  

This Statement uses certain terms that have the meaning given to them in the California Consumer Privacy Act of 2018 and its implementing regulations (the “CCPA”). 

NOTICE OF COLLECTION AND USE OF PERSONAL INFORMATION 

We may collect the following categories of personal information about you: 

• Identifiers: identifiers such as a real name, postal address, unique personal identifier (such as a  device identifier; cookies, beacons, pixel tags, mobile ad identifiers and similar technology;  customer number, unique pseudonym, or user alias; telephone number and other forms of persistent or probabilistic identifiers), online identifier, internet protocol address, email address,  account name, Social Security number, driver’s license number, passport number, and other similar identifiers. 
• Additional Data Subject to Cal. Civ. Code § 1798.80: signature, physical characteristics or description, state identification card number, education, bank account number, credit card number, debit card number, and other financial information. 
• Protected Classifications: characteristics of protected classifications under California or federal law, such as race, color, national origin, age, sex, gender, marital status, citizenship status, and military and veteran status. 
• Commercial Information: commercial information, including records of personal property, products or services purchased, obtained, or considered, and other purchasing or consuming histories or tendencies. 
• Biometric Information 
• Online Activity: Internet and other electronic network activity information, including, but not  limited to, browsing history, search history, and information regarding your interaction with our  Website and/or Services, applications, or advertisements. 
• Geolocation Data 
• Sensory Information: audio, electronic, visual, and similar information. 
• Employment Information: professional or employment-related information. 
• Inferences: inferences drawn from any of the information identified above to create a profile  about you reflecting your preferences, characteristics, psychological trends, predispositions,  behavior, attitudes, intelligence, abilities, and aptitudes. 

We may use your personal information for the purposes described in our Quisitive Privacy Notice and for the following business purposes specified in the CCPA: 

• Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing  payments, providing advertising or marketing services, providing analytics services, or providing similar services;
• Auditing related to a current interaction with you and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance; 
• Short-term, transient use, including, but not limited to, the contextual customization of ads shown as part of the same interaction; 
• Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity; 
• Debugging to identify and repair errors that impair existing intended functionality;
• Undertaking internal research for technological development and demonstration; 
• Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us. 

SALE OF PERSONAL INFORMATION 

We do not sell personal information. 

CALIFORNIA CONSUMER PRIVACY RIGHTS 

You have certain choices regarding your personal information, as described below. 

Access: You have the right to request, twice in a 12-month period, that we disclose to you the personal information we have collected, used, disclosed, and sold about you during the past 12 months. 

Deletion: You have the right to request that we delete certain personal information we have collected  from you. 

Shine the Light Request: You also may have the right to request that we provide you with (1) a list of  certain categories of personal information we have disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year and, (2) the identity of those third parties. 

How to Submit a Request  

To submit an access or deletion request, please email ask@quisitive.com submit a request through our webform. To submit a Shine the Light request, email us at my ask@quisitive.com. If you designate an  authorized agent to make an access or deletion request on your behalf using one of the channels described above, we may require you to provide the authorized agent written permission to do so and to  verify your own identity directly with us (as described below). For questions or concerns about our privacy policies and practices, please contact us as described in the How to Contact Us section of our Privacy Policy. 

Verifying Requests 

To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request. We may require you to provide any of the following information: your name, date of birth, the last four digits of your Social  Security number, the email and physical addresses associated with your Quisitive account, one or more recent transactions, and the last four digits of one or more Quisitive-branded cards associated with your account. If you have never had an account with us and you request access to or deletion of your personal information, there is no reasonable method by which we can verify your identity to the level of certainty

required by the CCPA. The reason for this is that Quisitive does not maintain information about non accountholders in a way that is linked to named actual persons (and historically has not linked IP addresses, device identifiers or other information collected by automated means to named actual  persons). In addition, if you ask us to provide you with specific pieces of personal information, we may  require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. 

Additional Information 

If you choose to exercise any of your rights under the CCPA, you have the right to not receive discriminatory treatment by us. To the extent permitted by applicable law, we may charge a reasonable fee to comply with your request.