1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

In Short:  We collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when you use our Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on our Sites or otherwise when you contact us.

The personal information that we collect depends on the context of your interactions with us and our Sites, the choices you make, and the services, products, and features you use. The personal information we collect may include the following:

Information Provided by You 

To provide our Services, we may collect the following information:

About the Business:

• Legal Business Name
• DBA Name
• Tax ID Number (TIN)/ Employer ID Number (EIN)
• Merchant ID
• Industry Type
• Business phone number
• Business address
• Business email address
• Business type
• Business website
• Incorporation date
• Annual revenue
• Annual card volume

About the Individual:

• First and Last Name
• Title
• Personal Address
• Personal phone number
• Personal email address
• Date of Birth
• Social Security Number
• Percentage ownership
• Bank account information
• Any additional information you decide to share with us

Information automatically collected

In Short:  Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Sites or use our Services.

We automatically collect certain information when you visit or use our Services or navigate our Sites. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Sites and Services and other technical information. This information is primarily needed to maintain the security and operation of our Sites and Services, and for our internal analytics and reporting purposes.

Like many businesses, we also may collect information through cookies and similar technologies. You can find out more about this in our Cookie Notice.

The information we may collect includes:

• Log and Usage Data. Log and usage data are service-related, diagnostic, usage and performance information our servers automatically collect when you access or use our Sites or Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type and settings and information about your activity in the Sites (such as the date/time stamps associated with your usage, pages and files viewed, searches and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called ‘crash dumps’) and hardware settings).

• Device Data. We collect device data such as information about your computer, phone, tablet or other device you use to access the Sites. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model Internet service provider and/or mobile carrier, operating system and system configuration information.

• Location Data. We collect location data such as information about your device’s location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Sites. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. Note however, if you choose to opt out, you may not be able to use certain aspects of the Services.

Information collected from other sources

In Short:  We may collect data from third party providers, financial service providers, public databases, marketing partners, social media platforms, and other outside sources.

In order to provide our services as well as enhance our ability to provide relevant marketing, offers, and services to you and update our records, we may obtain information about you from other sources, such as third party data providers, financial service providers, public databases, joint marketing partners, affiliate programs, social media platforms, as well as from other third parties. This information may include mailing addresses, business information, risk scores, job titles, email addresses, phone numbers, intent data (or user behavior data), Internet Protocol (IP) addresses, social media profiles, social media URLs and custom profiles. If you interact with us on a social media platform using your social media account, we receive personal information about you such as your name, email address, and gender. Any personal information that we collect from your social media account depends on your social media account’s privacy settings.