Privacy Policy

Introduction

8A Payments, LLC ("8A Payments," "we," "us," or "our") operates the website www.8A-Payments.com together with all related services and websites linking to this Privacy Policy (collectively, our "Site"), as well as interactions we may have with you through our embedded payments solution, offline, or by email (collectively, the "Services").

When we use the term "personal information," we mean information that can be used to identify you. References to "you" or "your" means the person accessing the Site or using our Services.

What Personal Information We Collect and How We Collect It

8A Payments provides secure digital payment processing services. The personal information we collect depends on how you are using our Site and Services. We collect information about you directly from you and automatically through your use of our Site and Services.

Information We Collect Directly from You

Individuals typically interact with 8A Payments in one or more of the following ways:

• Site Visitor: As a visitor to our Site, you may interact with us by browsing our web pages, completing webforms to Request a Demo, or contacting us with questions about features or pricing. We may request your name, company name, email address, phone number, title, and any additional information you enter.
• Merchants and Sub-Merchants: If you are one of our merchant clients, we may collect names, addresses, phone numbers, email addresses, credit and debit card information, bank account numbers, credit information, electronic bank transfer information, and/or e-wallet credentials.
• Merchant Customer: If you are an end-user completing a transaction through a merchant that has selected 8A Payments as its payment solution, your choice of payment method will determine what personal information is passed to us, including name, address, card numbers, electronic bank transfer information, and/or e-wallet credentials.
• Business Partners: Partners who refer clients to us or assist with our business may provide contact information including name, company name, address, email address, phone number, and title.
• Potential Clients: If you are not yet a merchant or business partner client, we may collect names, addresses, phone numbers, email addresses, and financial information.
• Other Interactions: If you contact us by phone, email, or through our website, you may provide us personal information including your name, phone number, email address, company name, and financial information.

Information We Collect Automatically: Cookies

Whenever you visit or interact with our Site, we and our service providers may automatically collect information about how our Site is accessed and used ("traffic data"). Traffic data may include browser type, device type, unique device identifiers, operating system, application version, click path through our Site, features used, and other usage information.

Technologies we use to collect traffic data may include cookies (data files placed on your computer), analytics software (e.g., Google Analytics), and pixel tags (transparent graphic images placed on a web page or in an email indicating that a page or email has been viewed).

Google Analytics is provided by Google, Inc. You can learn more about how to opt out at https://tools.google.com/dlpage/gaoptout.

Cookies can only be read by the web server in the domain that issued the cookie to you. You can refuse cookies by adjusting your browser settings; however, blocking all cookies may limit access to certain features or functionality of our Site. Learn more at allaboutcookies.org.

Information We Receive from Other Sources

We may receive your personal information from service providers (such as risk management companies), merchants, payment processors and banking partners, credit bureaus, financial institutions, and from publicly available sources such as LinkedIn.

How We Use Your Information

We use your personal information to accomplish business and commercial purposes, including marketing, transactional purposes, and enhancing our services. Specifically, we may use your information to:

• Process transactions
• Generate transaction documents, including invoices, confirmation notices, and refund records
• Communicate with you and provide information you have requested
• Fulfill contractual obligations
• Prevent and detect fraud
• Conduct product development, billing, and account reconciliation
• Comply with legal requirements, regulations, and law enforcement measures
• Improve our Site and Services through data analysis, research, and business intelligence
• Conduct credit-worthiness checks
• Adhere to Payment Card Industry (PCI) assessment and validation requirements
• Tailor the Services to your interests
• Manage rights and obligations in relation to external payment systems
• Conduct market or customer satisfaction research
• Handle administrative and account management functions

How We Share Information

We may share your personal information with affiliates, business partners, and appropriate third parties for business purposes, including to protect the security and integrity of the Services; to process payments; to conduct credit checks; for debt collection; for professional services such as accounting and legal counsel; or to provide the Services.

We may provide your personal information to service providers who provide services on our behalf, such as analytics providers or companies that serve advertisements on our behalf. We reserve the right to transfer information in connection with a sale, merger, reorganization, or liquidation of our business.

We reserve the right to disclose personal information if required by law enforcement agencies, by law, treaty, regulation, subpoena, court order, or by a government entity. We do not and will not sell your personal information.

Do-Not-Track Request: Third Party Tracking

We do not presently have the capability to omit you from usage analytics based solely on a do-not-track browser signal. To learn more about browser tracking signals and Do Not Track, visit allaboutdnt.org.

Third parties, other than our vendors, do not have authorization from us to track which websites you visited prior to and after visiting our Site. Note, however, that we cannot control third-party tracking and there may be some third-party tracking that occurs without our knowledge or consent.

Security & Data Retention

We use reasonable technical, administrative, and physical precautions to protect your personal information. However, guaranteed security does not exist on the internet, and we cannot guarantee that communications between you and our servers will be free from unauthorized access by third parties.

We will retain your personal information for as long as necessary for the purposes for which it was collected, based on applicable laws, regulatory requirements, and periods relating to the commencement of legal actions.

Your Choices

• Opt-Out: If you receive promotional email from us, you will be given the option to unsubscribe at any time. Opting out of promotional communications will not prevent us from corresponding with you about your existing or past business relationship, or from accessing your personal information in the course of maintaining and improving the Services.
• Cookies: You can set your browser to refuse all or some cookies or alert you when cookies are being sent. If you disable or refuse cookies, some parts of the Services may be inaccessible or not function properly.

Third-Party Links

The Services may contain links to third-party websites not controlled by us. These links are provided for convenience, and you agree to use them at your own risk. We are not responsible for the privacy practices or content of such websites. This Privacy Policy applies only to information we collect from you while you are on our Services.

Children

Our Site and Services may collect transaction information about individuals under the age of 18. This information may include name, address, and debit and credit card numbers, as required to process bail transactions.

California Privacy Rights

The information in this section applies only to California residents. California residents have certain rights under the California Consumer Privacy Act (CCPA):

• Right to Know. You have the right to know what personal information we collect, use, disclose, and/or sell about you.
• Right to Delete. You have the right to request deletion of the personal information we collect or maintain about you. Certain exceptions may apply, such as when we must retain information to comply with law.
• Right to Non-Discrimination. You have the right not to receive discriminatory treatment for exercising your CCPA rights.

To submit a request to exercise any of these rights, contact us using the information in the Contact Us section below. If you are a Merchant Customer, please direct requests to the merchant with whom you made the transaction.

We do not knowingly collect the personal information of minors under age 16 and do not sell such information.

We disclosed personal information to third parties for business or commercial purposes during the last 12 months as described in the "How We Share Information" section above. We do not and will not sell your personal information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time by posting the updated version on our Site and revising the "Last Modified" date at the top. Changes become effective upon posting. We recommend checking this Privacy Policy periodically. Your continued use of the Services after any changes indicates your agreement with the revised terms.

Contact Us

If you have any questions about this Privacy Policy, please contact us:

• Email: info@8A-Payments.com
• Phone: (404) 590-4180
• Address: Atlanta, Georgia