Privacy Policy

Last Updated: June 26, 2026

ESYPAY.app (“ESYPAY,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you:

• Visit https://esypay.app;
• Contact us or request information;
• Submit an application or inquiry regarding payment-processing or merchant services;
• Create or use an account;
• Use any products, services, applications, forms, portals, or other features that link to this Privacy Policy; or
• Otherwise communicate or do business with us.

By using our website or submitting information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

The information we collect depends on how you interact with ESYPAY and which services you request.

Information You Provide Directly

We may collect information that you voluntarily provide, including:

• Name;
• Email address;
• Telephone number;
• Mailing or business address;
• Company name and business type;
• Website address;
• Information included in contact forms or support requests;
• Account login information;
• Communications and correspondence with us;
• Information provided when requesting a quote, consultation, demonstration, or service;
• Information provided when submitting a merchant-services or payment-processing application; and
• Any documents or information you choose to upload or provide.

Business and Merchant Application Information

When you apply for merchant, point-of-sale, payment-processing, financing, banking, or related services, we or our service providers and financial partners may collect information such as:

• Legal business name and trade name;
• Business address and contact information;
• Employer Identification Number or Tax Identification Number;
• Business formation and ownership information;
• Names and ownership percentages of business owners;
• Date of birth;
• Government-issued identification information;
• Social Security number or other taxpayer identification information;
• Bank account and routing information;
• Processing history and estimated transaction volume;
• Financial statements or bank statements;
• Business licenses or organizational documents;
• Information about products and services offered by the business;
• Chargeback, fraud, risk, or underwriting information; and
• Other information required for identity verification, underwriting, regulatory compliance, or service activation.

Some of this information may be considered sensitive personal information under applicable law.

Payment and Transaction Information

When payment-processing services are used, information may be collected regarding:

• Payment card or account details;
• Transaction amounts;
• Transaction dates and times;
• Merchant and customer information;
• Billing and shipping information;
• Refunds and chargebacks;
• Device and terminal information;
• Authorization results; and
• Fraud-prevention and risk indicators.

Payment information may be collected and processed directly by acquiring banks, payment processors, card networks, gateway providers, point-of-sale providers, or other financial-service partners.

ESYPAY does not independently store complete payment-card information unless doing so is necessary to provide the requested service and is permitted under applicable security and payment-card requirements.

Information Collected Automatically

When you visit our website or use our online services, we and our technology providers may automatically collect:

• Internet Protocol address;
• Browser type and version;
• Device type;
• Operating system;
• Device identifiers;
• Pages viewed;
• Links clicked;
• Referring website;
• Date and time of access;
• Approximate location derived from an IP address;
• Website usage and interaction information;
• Cookie identifiers; and
• Diagnostic, security, and error information.

2. Cookies and Similar Technologies

We may use cookies, pixels, tags, local storage, analytics tools, and similar technologies to:

• Operate and secure the website;
• Remember user preferences;
• Maintain login sessions;
• Understand how visitors use the website;
• Measure website traffic and performance;
• Detect suspicious or fraudulent activity;
• Improve our services; and
• Measure the effectiveness of marketing activities.

Some cookies are necessary for the website to function. Other cookies, including analytics or advertising cookies, may be optional where consent is required.

You may manage cookies through your browser settings or through any cookie-preference tool available on our website. Disabling cookies may affect the operation of certain website features.

3. How We Use Personal Information

We may use personal information to:

• Provide, operate, maintain, and improve our website and services;
• Respond to inquiries and support requests;
• Communicate with prospective and existing customers;
• Process applications for merchant or payment services;
• Verify identity and business information;
• Conduct underwriting, risk, fraud, credit, or compliance reviews;
• Facilitate payment-processing and settlement services;
• Provide point-of-sale equipment, software, or technical support;
• Create and administer accounts;
• Send transactional, service, security, or administrative messages;
• Provide requested quotes, demonstrations, or information;
• Personalize website content and user experiences;
• Analyze website use and performance;
• Prevent fraud, unauthorized activity, security incidents, or misuse;
• Enforce our agreements and policies;
• Comply with card-network, banking, legal, tax, and regulatory requirements;
• Establish, exercise, or defend legal claims;
• Conduct internal audits and business operations; and
• Send marketing communications where permitted by law.

You may unsubscribe from promotional emails by using the unsubscribe link contained in the message. You may still receive non-promotional communications concerning your account, application, transactions, security, or services.

4. How We Disclose Personal Information

We may disclose personal information to the following categories of recipients when reasonably necessary:

Financial and Payment-Service Partners

We may disclose information to:

• Sponsoring or acquiring banks;
• Payment processors;
• Payment gateways;
• Card networks;
• Independent sales organizations;
• Point-of-sale providers;
• Equipment providers;
• Financing or leasing providers;
• ACH and banking-service providers; and
• Other companies involved in processing, underwriting, settling, supporting, or securing transactions.

These organizations may use information according to their own privacy policies and legal obligations.

Service Providers

We may disclose information to companies that assist us with:

• Website hosting;
• Cloud storage;
• Customer relationship management;
• Email and communications;
• Customer support;
• Identity verification;
• Fraud detection;
• Cybersecurity;
• Analytics;
• Accounting;
• Document management;
• Marketing; and
• Professional or technical services.

Service providers are permitted to use information only as necessary to perform services for us, subject to contractual and legal requirements.

Legal and Compliance Disclosures

We may disclose information when we reasonably believe disclosure is necessary to:

• Comply with a law, regulation, subpoena, court order, or legal process;
• Respond to a lawful government or regulatory request;
• Satisfy banking, card-network, anti-money-laundering, identity-verification, or underwriting requirements;
• Investigate fraud, security incidents, or illegal activity;
• Protect the rights, property, safety, or security of ESYPAY, our customers, or others; or
• Enforce our agreements, policies, and legal rights.

Business Transactions

Personal information may be disclosed or transferred as part of a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or similar business transaction. Any successor may continue to process information as described in this Privacy Policy, unless otherwise required by law.

With Your Direction or Consent

We may disclose information to other parties when you request, authorize, or consent to the disclosure.

5. Sale and Sharing of Personal Information

ESYPAY does not sell personal information to third parties in exchange for money.

Certain analytics or advertising technologies may be considered “sharing” or a “sale” under some state privacy laws, even when no money is exchanged. Where required, we provide users with a method to opt out of such activity.

To submit an opt-out request, contact us at [PRIVACY EMAIL ADDRESS] or use the “Your Privacy Choices” link available on our website, if applicable.

We do not knowingly sell or share the personal information of individuals under 16 years of age.

6. Data Retention

We retain personal information only for as long as reasonably necessary to:

• Provide services;
• Complete applications and transactions;
• Maintain business and tax records;
• Resolve disputes;
• Prevent fraud;
• Enforce agreements;
• Meet banking, card-network, accounting, regulatory, or legal obligations; and
• Protect our legal and business interests.

Retention periods vary depending on the type of information, the service involved, applicable agreements, and legal requirements.

When information is no longer reasonably necessary, we may delete, destroy, de-identify, or aggregate it.

7. Data Security

We use reasonable administrative, technical, and physical safeguards intended to protect personal information against unauthorized access, disclosure, alteration, misuse, or destruction.

These safeguards may include access controls, authentication procedures, encryption, monitoring, employee or contractor restrictions, secure service providers, and incident-response procedures.

However, no website, network, storage system, electronic transmission, or security method is completely secure. We cannot guarantee that information will never be accessed, disclosed, altered, or destroyed without authorization.

You are responsible for protecting your passwords and account credentials and for notifying us promptly if you suspect unauthorized access to your account.

8. Your Privacy Rights

Depending on where you live and subject to applicable exceptions, you may have the right to:

• Know whether we process your personal information;
• Request access to personal information we maintain about you;
• Request the categories and specific pieces of personal information collected;
• Request correction of inaccurate personal information;
• Request deletion of personal information;
• Obtain a portable copy of certain information;
• Opt out of the sale or sharing of personal information;
• Opt out of targeted advertising;
• Limit certain uses or disclosures of sensitive personal information;
• Withdraw consent where processing is based on consent; and
• Appeal a decision regarding a privacy request where required by law.

We will not unlawfully discriminate against you for exercising an applicable privacy right.

Submitting a Privacy Request

To exercise a privacy right, contact us using one of the following methods:

Email: [PRIVACY EMAIL ADDRESS]
Telephone: [PRIVACY TELEPHONE NUMBER]
Online request form: [PRIVACY REQUEST FORM URL]

Please describe your request and provide sufficient information for us to identify the relevant records.

We may need to verify your identity before completing a request. Verification may require matching information you provide with information already maintained in our records. We will request only the information reasonably necessary to verify and process your request.

An authorized agent may submit a request on your behalf where permitted by law. We may require proof of the agent’s authority and verification of your identity.

Certain information may be exempt from privacy requests, including information that must be maintained for legal, fraud-prevention, security, transaction, tax, accounting, banking, card-network, or regulatory purposes.

9. California Privacy Notice

This section applies to California residents to the extent the California Consumer Privacy Act, as amended, applies to ESYPAY.

During the preceding 12 months, we may have collected the following categories of personal information:

• Identifiers;
• Customer-record information;
• Protected classification information when voluntarily provided or legally required;
• Commercial and transaction information;
• Internet and electronic-network activity;
• Approximate geolocation information;
• Professional or employment-related information;
• Inferences derived from other information;
• Financial account information;
• Government identification information; and
• Other sensitive personal information provided during an application, underwriting, identity-verification, or compliance process.

We collect these categories from:

• Consumers and business representatives;
• Merchants and applicants;
• Financial institutions;
• Payment processors;
• Identity-verification and fraud-prevention providers;
• Business partners;
• Public records;
• Service providers; and
• Website and device activity.

We use and disclose these categories for the business purposes described in this Privacy Policy.

California residents may have rights to know, access, correct, delete, opt out of sale or sharing, limit certain uses of sensitive personal information, and receive equal service when exercising their rights, subject to applicable exceptions.

10. Global Privacy Control and Do Not Track

Where legally required and technically supported, we process browser-based opt-out preference signals, such as Global Privacy Control, as requests to opt out of the sale or sharing of personal information for the browser or device sending the signal.

Some web browsers offer a “Do Not Track” setting. Because there is no single universally accepted standard governing all Do Not Track signals, our website may not respond to every Do Not Track setting.

11. Children’s Privacy

Our website and services are intended for businesses and adults. They are not directed to children under 13 years of age.

We do not knowingly collect personal information directly from children under 13. If we learn that such information has been collected without appropriate authorization, we will take reasonable steps to delete it.

A parent or guardian who believes a child has submitted personal information may contact us at [PRIVACY EMAIL ADDRESS].

12. Third-Party Websites and Services

Our website may contain links to websites, applications, platforms, or services operated by third parties.

We do not control and are not responsible for the privacy, security, content, or business practices of third parties. This Privacy Policy does not apply to information collected directly by a third party.

You should review the privacy policy of each third-party service before providing personal information.

13. International Visitors

ESYPAY is based in the United States. If you access our website from outside the United States, your information may be transferred to, stored in, and processed in the United States or other countries where our service providers operate.

Privacy and data-protection laws in those countries may differ from the laws in your country.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, business practices, technologies, or legal requirements.

When we make changes, we will update the “Last Updated” date at the top of this page. Material changes may also be communicated through the website, by email, or through another appropriate method.

Your continued use of the website after an updated Privacy Policy becomes effective constitutes acknowledgment of the updated policy.

15. Contact Us

Questions, concerns, or requests regarding this Privacy Policy may be directed to:

[FULL LEGAL COMPANY NAME]
Doing business as ESYPAY
[STREET ADDRESS]
[CITY, STATE ZIP CODE]
United States

Privacy email: [PRIVACY EMAIL ADDRESS]
Telephone: [BUSINESS TELEPHONE NUMBER]
Website: https://esypay.app