Privacy Policy

1. Information We Collect

Personal Information

We collect personal information you provide directly to us, including:

Name, email address, phone number, and business address
Business information including legal entity name, tax ID, and industry
Banking information for fund transfers
Identity verification documents as required by law

Transaction Data

With your authorization, we collect transaction data from your payment processors and POS systems:

Daily sales volumes and transaction counts
Settlement schedules and processing patterns
Merchant category codes and business classifications
We do not access customer payment details or cardholder data

2. How We Use Your Information

We use your information to provide our cashflow advance services:

Process and underwrite advance requests
Transfer funds and manage reconciliations
Comply with regulatory requirements and prevent fraud
Improve our services and develop new features
Communicate with you about your account and our services

3. Information Sharing

We do not sell or rent your personal information. We may share information in these circumstances:

Service Providers

With vetted third parties who help us provide services (payment processors, identity verification, cloud hosting).

Legal Requirements

When required by law, regulation, or valid legal process.

Business Transfers

In connection with a merger, acquisition, or sale of assets (with notice to you).

4. Data Security

We implement industry-standard security measures to protect your information:

Encryption

Data encrypted in transit and at rest

Access Controls

Multi-factor authentication and role-based access

Monitoring

24/7 security monitoring and incident response

Compliance

SOC 2 Type II certified security practices

5. Your Rights

You have the following rights regarding your personal information:

Access: Request a copy of your personal information

Correction: Request correction of inaccurate information

Deletion: Request deletion of your information (subject to legal requirements)

Portability: Request your data in a portable format

6. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Generally:

Account information: Retained while your account is active
Transaction data: Retained for 7 years for regulatory compliance
Marketing data: Retained until you unsubscribe
Identity verification: Retained per regulatory requirements

7. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or through our platform. Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

8. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

[email protected]

Paiziq Privacy Officer
PO BOX 218608
Houston, TX 77218