Privacy Policy

PL Payments, Inc. respects the privacy of visitors to our website and is committed to protecting personal information in accordance with applicable United States federal and state privacy laws and regulations. This Privacy Policy describes how we may collect, use, disclose, process, store, and protect information obtained through your access to or use of our website, products, services, communications, and related technologies.

This Privacy Policy applies solely to information collected through our website and related interactions and does not alter or amend any separate agreements governing merchant processing services, SaaS platform access, underwriting activities, or commercial relationships.

By accessing or using this website, you acknowledge that you have read and understand this Privacy Policy.

This Privacy Policy applies to personal information collected, processed, stored, disclosed, or otherwise utilized by PL Payments, Inc. in connection with:

• visits to our website;
• communications submitted through online forms, email, telephone, or related channels;
• prospective merchant inquiries and onboarding activities;
• interactions with our products, services, applications, or technologies;
• and other lawful business interactions with PL Payments, Inc.

This Privacy Policy is intended to comply with applicable United States federal and state privacy and consumer protection laws to the extent such laws apply to PL Payments, Inc.'s operations, data practices, or users. Depending upon the jurisdiction in which you reside, additional rights and disclosures may apply to your personal information under applicable law.

If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, Virginia, or any other jurisdiction that has enacted applicable consumer privacy legislation, you may have certain rights regarding your personal information, subject to verification of your identity and applicable legal limitations.

Such rights may include, where applicable under law:

• the right to request access to and obtain information regarding the categories and specific pieces of personal information maintained about you;
• the right to understand how your personal information has been collected, used, processed, disclosed, or shared;
• the right to request correction of inaccurate personal information;
• the right to request deletion of certain personal information maintained by PL Payments, Inc.;
• the right to obtain a copy of certain personal information in a portable format where required by law;
• and the right, in certain circumstances, to withdraw consent to specific forms of processing activities.

These rights are not absolute and may be limited, denied, or subject to exceptions as permitted or required under applicable law, including where retention or processing of information is necessary to:

• comply with legal or regulatory obligations;
• complete transactions or contractual obligations;
• detect, investigate, or prevent fraud, security incidents, or illegal activity;
• protect the rights, property, systems, or operations of PL Payments, Inc.;
• exercise or defend legal claims;
• maintain operational, compliance, underwriting, accounting, or audit records;
• or otherwise comply with applicable financial services, payment network, anti-fraud, or regulatory requirements.

This Privacy Policy does not apply to information collected, processed, stored, or maintained by third-party payment processors, sponsor banks, acquiring banks, card networks, analytics providers, or other third parties whose services may be referenced, integrated, or utilized in connection with PL Payments, Inc.'s products or services. Such third parties maintain their own independent privacy policies and data handling practices, and PL Payments, Inc. is not responsible for their operations or compliance practices.

Nothing in this Privacy Policy shall be construed as creating any contractual right or obligation beyond those expressly required under applicable law or separate written agreements entered into with PL Payments, Inc.

PL Payments, Inc. may collect certain categories of information directly from users, automatically through website technologies, or from third-party service providers and Processing Partners.

*PL Payments, Inc. does not itself store payment card information or cardholder data. Any tokenization, payment credential storage, or payment processing activities are performed by third-party Processing Partners.

Information may be collected:

• directly from you when you complete forms, submit inquiries, or communicate with us;
• automatically through cookies, analytics tools, and website technologies;
• from processors, sponsor banks, underwriting providers, fraud prevention vendors, or other service providers;
• and through publicly available or commercially available business information sources.

Information submitted through merchant applications or onboarding processes may be shared with Processing Partners, sponsor banks, acquiring institutions, underwriting providers, fraud monitoring vendors, and compliance service providers for purposes relating to:

• underwriting;
• merchant onboarding;
• identity verification;
• fraud prevention;
• compliance review;
• processor approvals;
• and risk management activities.

PL Payments, Inc. may use collected information for lawful business purposes including:

• responding to inquiries and communications;
• providing website functionality and support;
• facilitating merchant onboarding and underwriting;
• coordinating with Processing Partners and financial institutions;
• fraud prevention and risk management;
• compliance with legal and regulatory obligations;
• improving website performance and user experience;
• maintaining security and operational integrity;
• and communicating regarding products, services, or updates.

We do not sell personal information to third parties for monetary consideration.

We do not share personal information with third parties for cross-context behavioral advertising or unrelated commercial marketing purposes.

However, information may be disclosed to Processing Partners, sponsor banks, acquiring banks, underwriting providers, compliance vendors, legal advisors, auditors, regulators, or governmental authorities where reasonably necessary to:

• evaluate applications;
• provide services;
• comply with law;
• investigate fraud or security concerns;
• or protect the rights, systems, or operations of PL Payments, Inc.

If a client, customer, or business representative or perspective client, customer, or business representative voluntarily provides a testimonial, endorsement, review, or similar submission to PL Payments, Inc., we may display such testimonial on our website or marketing materials.

Such use may include:

• the individual's name;
• professional title;
• company name;
• company logo;
• and related business identification information.

By providing a testimonial or endorsement, the submitting party grants PL Payments, Inc. a non-exclusive, royalty-free, worldwide license to use, reproduce, publish, and display such materials for marketing and promotional purposes without additional compensation unless otherwise agreed in writing.

PL Payments, Inc. may utilize cookies, pixels, analytics technologies, and similar tracking mechanisms to improve website functionality, analyze traffic, enhance security, and improve user experience.

Additional information regarding our use of cookies and tracking technologies is available in our separate Cookie Policy, which is incorporated herein by reference.

PL Payments, Inc. implements commercially reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, disclosure, alteration, or destruction.

However, no internet transmission, website, platform, or electronic storage system can be guaranteed to be completely secure. Accordingly, PL Payments, Inc. does not guarantee or warrant absolute security of any information transmitted to or through the website.

PL Payments, Inc. does not itself store cardholder data or payment credentials. Payment credential storage and tokenization services are provided through third-party Processing Partners.

PL Payments, Inc. retains personal information, business information, application records, communications, and related data for as long as reasonably necessary to fulfill the legitimate business, operational, contractual, legal, regulatory, security, and compliance purposes for which such information was collected. Retention periods may vary depending upon the nature of the information, the sensitivity of the data, the type of relationship involved, applicable legal requirements, and the operational needs of PL Payments, Inc. and its Processing Partners.

Because PL Payments, Inc. operates as a payment orchestration platform, independent sales organization ("ISO"), and software-as-a-service provider within the financial services industry, certain records may be retained for extended periods in order to comply with applicable federal and state laws, card network requirements, sponsor bank obligations, anti-fraud measures, underwriting requirements, audit standards, risk management procedures, dispute resolution processes, and other regulatory or operational obligations applicable to payment processing and financial services activities.

Information may also be retained where reasonably necessary to:

• maintain appropriate business and financial records;
• investigate or prevent fraud, unauthorized activity, chargebacks, disputes, or security incidents;
• fulfill the purposes described in this Privacy Policy;
• comply with contractual, legal, regulatory, accounting, tax, or compliance obligations;
• resolve disputes;
• enforce agreements;
• maintain business and operational records;
• comply with subpoenas, court orders, governmental inquiries, or legal process;
• protect the rights, systems, property, personnel, customers, or operations of PL Payments, Inc.;
• or establish, exercise, or defend legal claims.

Even where a consumer or business requests deletion of certain personal information, PL Payments, Inc. may retain information where retention is authorized or required under applicable law, including where such information is necessary for legal compliance, regulatory obligations, fraud prevention, security monitoring, recordkeeping obligations, accounting purposes, tax reporting, dispute management, or enforcement of agreements.

PL Payments, Inc. may also maintain archival copies, backups, disaster recovery records, system logs, audit trails, and security-related records for legitimate operational, cybersecurity, business continuity, and compliance purposes. Such retained information will continue to be subject to reasonable administrative, technical, and organizational safeguards designed to protect against unauthorized access, disclosure, alteration, or misuse.

When personal information is no longer reasonably required for lawful business, legal, regulatory, or operational purposes, PL Payments, Inc. will take commercially reasonable measures to securely delete, anonymize, or otherwise dispose of such information in accordance with applicable law and internal data retention practices. Retention periods may vary depending on the nature of the information and applicable legal requirements.

Depending upon your state of residence and subject to applicable law, you may have certain rights regarding your personal information, including:

• the right to know whether personal information is being collected, stored, used, or disclosed;
• the right to request access to personal information maintained by PL Payments, Inc.;
• the right to request correction of inaccurate personal information;
• the right to request deletion of personal information, subject to legal, regulatory, contractual, fraud prevention, security, compliance, and recordkeeping exceptions;
• and the right to appeal certain privacy-related determinations where applicable under state law.

PL Payments, Inc. reserves the right to verify the identity of any individual submitting a privacy-related request before responding.

Certain information may be exempt from deletion requests where retention is required or permitted under applicable law, including obligations relating to fraud prevention, legal compliance, dispute resolution, underwriting records, transaction monitoring, or security investigations.

This website may reference or describe services that depend upon third-party systems, including payment processors, sponsor banks, acquiring banks, card networks, ACH operators, and other financial infrastructure providers.

PL Payments, Inc. has no control over and assumes no responsibility for the availability, performance, underwriting decisions, risk determinations, settlement timing, or operational actions of any third-party provider. Any reliance upon third-party systems or services is strictly at your own risk.

This website is not directed to individuals under the age of eighteen (18), and PL Payments, Inc. does not knowingly collect personal information from minors.

This Privacy Policy shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.

All questions regarding this Privacy Policy may be directed to: