We collect Personal Information from California Residents and comply with the California resident Act and related laws and regulations (“California privacy laws”). In addition to our general Privacy Notice available at https://www.qualpay.com/privacy, this California Privacy Notice applies to California residents (“users,” “you,” or “your”).
For the purposes of this California Privacy Notice, “Personal Information” means information that is linked or reasonably linkable to a particular individual or household. However, the following categories of information are not Personal Information:
This Privacy Notice provides the following information to California residents:
The table below outlines the non-sensitive categories of Personal Information Qualpay, Inc.collects about California residents and whether and how they are disclosed to third parties.
We collect Non-Sensitive Personal Information from the following sources:
Examples
Identifiers may contain the following: Real name, alias, postal address, Internet Protocol address, email address, account name, social security number, driver's license number, passport number, birthdate, or other similar identifiers.
Purpose(s) for Collection
To comply with laws, regulations, and system rules, as well as better understand businesses and their owners and operators who are applying for merchant accounts and assess their risk profile, improve services, and provide targeted advertising.
Identifiers may also be collected from owners and employees of business partners to further the intent of the business relationship.
Targeted Advertising
We do not engage in targeted advertising or disclose this for targeted advertising purposes.
Sale
This information is not sold to third parties.
Other Disclosures
This information may be disclosed to Processors. We disclose Identifiers to Processors for data validation, authentication, and screening of individuals representing businesses seeking merchant services or vendor relationships.
Retention Period
7 years after the merchant account is closed or 3 years after the business relationship is terminated for non-merchants.
Examples
Personal Characteristics may contain the following: Name, social security number, address, telephone number, passport number, driver's license number, employment history, education history, financial information, bank account number, or other similar characteristics.
Purpose(s) for Collection
To comply with laws, regulations, and system rules, as well as better understand businesses and their owners and operators who are applying for merchant accounts and assess their risk profile.
Targeted Advertising
We do not engage in targeted advertising or share Personal Information for targeted advertising purposes.
Sale
We do not sell Personal Information to anyone.
Other Disclosures
This information may be disclosed to Processors. We disclose Identifiers to Processors for data validation, authentication, and screening of individuals representing businesses seeking merchant services or vendor relationships.
Retention Period
7 years after the merchant account is closed or 3 years after a business relationship is terminated for non-merchants.
Examples
Commercial Information may contain the following: Records of personal property or other purchasing or consuming histories or tendencies contained in a credit report.
Purpose(s) for Collection
To comply with laws, regulations, and system rules, as well as better understand businesses and their owners and operators who are applying for merchant accounts and assess their risk profile.
Targeted Advertising
We do not engage in targeted advertising or disclose this information for targeted advertising purposes.
Sale
This information is not sold to third parties.
Other Disclosures
This information may be disclosed to Processors. We disclose Identifiers to Processors for data validation, authentication, and screening of individuals representing businesses seeking merchant services.
Retention Period
7 years after the merchant account is closed.
Examples
Internet/Electronic Activity may contain the following: Internet/Electronic Activity: Name, device ID, cookies.
Purpose(s) for Collection
To comply with laws and regulations, for the use of electronic documents and signatures.
Cookies are tracked to enable our systems to recognize your browser and capture as well as remember certain information. We also use cookies to compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted Third-Party services that track this information on our behalf. We also send a "session cookie" to your computer when you sign up for and log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session so that we don't need to ask users for a password on each page.
Targeted Advertising
We do not engage in targeted advertising or disclose this information for targeted advertising purposes.
Sale
This information is not sold to third parties.
Other Disclosures
This information is not disclosed to third parties.
Retention Period
7 years after the merchant account is closed or 3 years after the business relationship is terminated for non-merchants.
Examples
Imprecise Geolocational may contain the following: Internet Protocol Address.
Purpose(s) for Collection
As a personal identifier for electronically signed agreements.
Targeted Advertising
We do not engage in targeted advertising or share Personal Information for targeted advertising purposes.
Sale
This information is not sold to third parties.
Other Disclosures
This information is not disclosed to third parties.
Retention Period
7 years after the merchant account is closed, or 3 years after the business relationship is terminated for non-merchants.
Examples
Professional Information may contain the following: Employment and business ownership history.
Purpose(s) for Collection
To comply with laws, regulations, and system rules, as well as better understand businesses and their owners and operators who are applying for merchant accounts and assess their risk profile.
Targeted Advertising
We do not engage in targeted advertising or share Personal Information for targeted advertising purposes.
Sale
This information is not sold to third parties.
Other Disclosures
This information is not disclosed to third parties.
Retention Period
7 years after the merchant account is closed.
Examples
Educational Information may contain the following: College or degree information.
Purpose(s) for Collection
To comply with laws, regulations, and system rules, as well as better understand businesses and their owners and operators who are applying for merchant accounts and assess their risk profile.
Targeted Advertising
We do not engage in targeted advertising or disclose this information for targeted advertising purposes.
Sale
This information is not sold to third parties.
Other Disclosures
This information is not disclosed to third parties.
Retention Period
7 years after the merchant account is closed.
The table below outlines the categories of Sensitive Personal Information Qualpay, Inc, collects about California Residents whether they are disclosed to third parties.
We collect Sensitive Personal Information from the following sources:
Examples
Government ID information may contain the following: Driver's License, Passport, Social Security Number, or State issued ID.
Purpose(s) for Collection
Complying with legal and regulatory obligations, and to follow best practices for identity verification for owners and operators of businesses seeking merchant services.
Targeted Advertising
We do not engage in targeted advertising or disclose this information for targeted advertising purposes.
Sale
This information is not sold to third parties..
Other Disclosures
This information may be disclosed to Processors. We disclose Government ID information to processors for data validation, identity verification, and authentication of individuals representing businesses seeking merchant services.
Retention Period
7 years after the termination of an account or contract or 3 years after the termination of a non-merchant business relationship.
Examples
Sensitive Category information may contain the following: Social Security number, Driver's License number, Passport number, state identification card, financial account information, and credit history.
Purpose(s) for Collection
Complying with legal and regulatory obligations, and to follow best practices for identity verification for owners and operators applying for merchant services for their business.
Targeted Advertising
We do not engage in targeted advertising or disclose this information for targeted advertising purposes.
Sale
This information is not sold to third parties..
Other Disclosures
This information may be disclosed to Processors. We disclose Sensitive Category information to processors for data validation, identity verification and evaluation of individuals representing business seeking merchant services.
Retention Period
7 years after the termination of a merchant account.
Examples
Financial information may contain the following: Financial information may include a California resident’s financial account information or credit history.
Purpose(s) for Collection
Complying with legal and regulatory obligations, and to follow best practices for underwriting for merchant services.
Targeted Advertising
We do not engage in targeted advertising or disclose this information for targeted advertising purposes.
Sale
This information is not sold to third parties.
Other Disclosures
This information is not disclosed to third parties.
Retention Period
7 years after the termination of a merchant account.
We use Personal Information for the purposes described in our general Privacy Notice (see https://www.qualpay.com/privacy). Personal Information may also be used or disclosed as otherwise permitted or required by applicable law.
We disclose Personal Information to the following categories of third parties:
See the tables above for more details about how different categories of Personal Information are shared.
We do not sell Personal Information to anyone. We do not share Personal Information for advertising purposes.
California Residents have the following rights under California privacy laws:
If you are a California Consumer, you can submit a request to exercise your personal data rights under the CPRA by sending an email to support@qualpay.com with the subject line "Privacy Rights Request". To protect your privacy, we may need to authenticate your identity before we respond to your rights request. We will use commercially reasonable efforts to verify your identity for this purpose. Any information you provide to authenticate your identity will only be used to process your rights request. Please be aware that we do not accept or process rights requests through other means (e.g., via fax or social media).
After submitting your request online, you will receive a follow-up email, which may include a link you must click on in order to verify your identity. If you do not click on that link, we may be unable to complete your request due to lack of verification. It is important that you provide a valid email address in order for us to be able to process your request.
We will respond to your rights request within 45 days, though in certain cases we may inform you that we will need up to another 45 days to act on your request. If we suspect fraudulent or malicious activity on or from your account, we will delay taking action on your request until we can appropriately verify your identity and the request as authentic. Also note that each of the rights are subject to certain exceptions.
We reserve the right to decline to process, or charge a reasonable fee for, requests from a Consumer that are manifestly unfounded, excessive, or repetitive.
You have the right to limit some uses of Sensitive Personal Information. In general, you may direct companies not to use Sensitive Personal Information except as necessary to provide goods or services you have requested or other exempt purposes.
However, we only use Sensitive Personal Information for purposes that are exempt from this right, such as to provide you with goods or services you have requested, to detect and prevent security incidents, or verifying the quality of our goods and services. The full list of these exempt purposes are specified in California Code of Regulations, Title 11, Section 7027(m).
We do not knowingly collect or use the Personal Information of children under 16. If you believe that we have collected the Personal Information of a child under 16, please contact us at legal@qualpay.com.
California Privacy Law allows you to designate an authorized agent to make a rights request on your behalf. Your authorized agent may submit such a request by following the same method described above in the section titled Exercising Your Personal Information Rights. We may require verification of your authorized agent’s authority in addition to the information we require for verification of your identity.
If you have any questions or concerns regarding this California Privacy Notice, contact us at privacy@qualpay.com.
Last updated: January 1, 2024
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