Privacy Policy

Information You Give Us

When you apply for a merchant account or use our services, we collect:

• Your name, email address, and phone number
• Business formation documents and beneficial ownership information
• Government ID and proof of address (required by law for financial services)
• Business bank account details and transaction history
• Information you provide when contacting support

Information We Collect Automatically

When you use our website and services:

• Device information (like your browser type and operating system)
• How you interact with our website (pages visited, features used)
• Your IP address and general location
• Cookies and similar technologies (see our Cookies Policy)

Bank Account Information via Plaid

When a payer connects a bank account, authentication happens with their own financial institution through Plaid. We never see or store online banking credentials. We receive only:

• Verified account and routing numbers
• The account holder name, for ownership matching
• Account or balance status, to reduce returned payments

We use your information to:

• Provide Our Services — process payments, manage your account, and deliver the services you request
• Keep Things Secure — prevent fraud, detect suspicious activity, and protect your account
• Follow the Law — meet legal requirements for financial services, including anti-money laundering checks
• Improve Our Services — understand how you use our platform and make it better
• Communicate With You — send important updates, respond to inquiries, and provide customer support
• Underwrite and Monitor — assess merchant applications and monitor accounts against approved limits

We don't sell your personal information. We only share it when:

• You ask us to — when you authorize a payment or connect a bank account
• With service providers — companies that help us run our services, including processors and security providers
• To comply with the law — when required by legal obligations, court orders, or regulatory requirements
• To protect rights and safety — when necessary to prevent fraud or protect our users and services

You have control over your personal information. Here's what you can do:

• Access Your Data — request a copy of the personal information we have about you
• Correct Your Data — update inaccurate or incomplete information
• Delete Your Data — request deletion of your personal information (subject to legal requirements)
• Export Your Data — get your data in a portable format (data portability)
• Opt Out of Marketing — unsubscribe from promotional emails at any time
• Object to Processing — object to certain uses of your data (where legally permitted)

How to exercise your rights:

• Log into your merchant portal to manage most settings
• Email us at privacy@vector-pay.com
• Write to us at the address below

We'll respond to your request within 30 days (or as required by law in your jurisdiction).

We use industry-leading security measures to protect your data:

• Encryption — your data is encrypted in transit and at rest
• Terminal-Level Protection — card data is encrypted in the terminal and never touches your systems
• Access Controls — limited access to authorized personnel only
• Regular Audits — we regularly test and update our security

VectorPay serves businesses domiciled in the United States and complies with applicable U.S. federal and state privacy law, including the California Consumer Privacy Act as amended by the CPRA.

For complete details about your rights based on your state of residence, please see our Full Privacy Policy.

We keep your information only as long as necessary to:

• Provide our services to you
• Comply with legal obligations (financial services require us to keep records for specific periods, generally at least five years)
• Resolve disputes and enforce our agreements
• Prevent fraud and maintain security

When we no longer need your information, we securely delete or anonymize it.

Our services are not intended for anyone under 18. We don't knowingly collect information from children. If you're a parent and believe your child has provided us with information, please contact us immediately.

We may update this Privacy Policy from time to time. When we do, we'll:

• Update the "Last Updated" date at the top
• Notify you by email or through our website for significant changes
• Give you time to review changes before they take effect

We're here to help. If you have questions about your privacy or this policy, reach out to us:

VectorPay LLC
Email: privacy@vector-pay.com
Compliance: compliance@vector-pay.com
Address: 1001 S Main St # 11903, Kalispell, MT 59901, United States
Montana filing number: C1581254