Privacy Policy
Effective Date: January, 1st 2025
This Privacy Policy explains how Phase 3 Payments (“we,” “us,” or “our”) collects, uses, discloses, and protects your personal information when you visit our website or use our services. By accessing or using our website, you agree to the terms of this Privacy Policy.
1. Information We Collect
1.1 Information You Provide
- Contact Details: When you fill out a form, request a quote, or reach out to us, we may collect your name, business name, phone number, email address, and other information you voluntarily provide.
- Payment Information: If you engage our payment processing services, we may collect billing details or other financial data necessary to provide those services.
- Support Requests: When you contact us for support, we’ll collect the information needed to resolve your request, such as device details or transaction data.
1.2 Information Collected Automatically
- Log Data: Our servers automatically record certain information when you visit our website, such as your IP address, browser type, referring/exit pages, and timestamps of your visits.
- Cookies & Similar Technologies: We use cookies, beacons, and similar tracking technologies to enhance your user experience, analyze site traffic, and personalize content. You can adjust your cookie settings in your browser preferences.
2. How We Use Your Information
We use the information we collect to:
- Provide Services: Process transactions, set up merchant accounts, and deliver customer support.
- Communicate: Respond to your inquiries, send updates, and provide information about new features or services.
- Improve Our Website & Services: Analyze usage patterns to enhance functionality and user experience.
- Security & Fraud Prevention: Monitor suspicious activity, authenticate accounts, and investigate potential fraud or violations of our terms.
- Marketing (Where Permitted): Send promotional communications if you’ve opted in or as otherwise allowed by law. You can unsubscribe from marketing at any time.
3. Legal Bases for Processing (If Applicable)
If you are located in a jurisdiction that requires a lawful basis for data processing (e.g., the European Economic Area under GDPR), our legal bases may include:
- Consent: You have given clear consent to process your personal data for a specific purpose.
- Contractual Necessity: Processing is necessary to perform a contract or fulfill your requests.
- Legitimate Interests: Processing is necessary for our legitimate business interests, such as improving the website or preventing fraud, unless overridden by your rights.
- Legal Obligation: We may process data to comply with applicable laws and regulations.
4. How We Share Your Information
We do not sell or rent your personal information. However, we may share data in the following circumstances:
- Service Providers: We may share information with vendors who help us operate our website, provide customer support, process transactions, or perform analytics.
- Underwriting & Banking Partners: If you apply for merchant services, we may share relevant data with our underwriting partners, banks, or payment networks for approval or compliance purposes.
- SMS Phone Numbers: We do not share SMS phone numbers with third parties for marketing. If we use a provider, they only receive your number to deliver messages.
- Legal Requirements & Protection: We may disclose information if required to do so by law, legal process, or to enforce our agreements, protect our rights, or address potential fraud or security issues.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, user information could be transferred or disclosed as part of the transaction.
5. Data Security
We take reasonable measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes:
- Encryption: Sensitive data is encrypted both at rest and in transit where applicable.
- Access Controls: Only authorized employees or contractors who need the information to perform a specific job have access to personal information.
- Ongoing Monitoring: We regularly review our practices to ensure your data remains secure.
However, no transmission over the Internet can be guaranteed 100% secure. You share information with us at your own risk.
6. Cookies & Tracking Technologies
We use cookies and similar technologies to:
- Remember Your Preferences: Such as language settings or session information.
- Analyze Traffic: See how visitors use our site for performance and optimization.
- Tailor Marketing: Show relevant ads or content based on browsing behavior.
If you prefer not to accept cookies, most browsers allow you to modify settings to refuse them. Note that some site features may not function properly without cookies.
7. Your Choices & Rights
- Opt-Out of Marketing Emails: You can unsubscribe at any time by clicking the “unsubscribe” link in our emails or by contacting us.
- Update or Delete Your Information: If you want to review, correct, or delete your personal data, please contact us. We will respond to requests in accordance with applicable laws.
- Cookie Preferences: Adjust your browser or device settings to control or block cookies.
8. Children’s Privacy
Our services are not directed to children under the age of 13 (or under the age of 16 in certain jurisdictions). We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us, and we will take steps to delete it.
9. International Data Transfers
If you use our services from outside the United States, your personal information may be transferred and processed in the U.S. or other countries. We take steps to ensure appropriate safeguards are in place to protect your data when it’s transferred internationally.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. When we do, we will revise the “Effective Date” at the top of the policy. We encourage you to review this page periodically.
11. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please reach out:
Phase 3 Payments
2304 S Westlake Dr
Sioux Falls, SD 57106
Toll-Free: 855-374-2733
Email: info@phase3payments.com