LimnPay ("we," "us," or "our") is committed to protecting the privacy of our merchants, website visitors, and business partners. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at limnpay.com or use our payment processing services.
Please read this policy carefully. If you disagree with its terms, please discontinue use of our site and services. We reserve the right to make changes to this policy at any time. We will notify you of significant changes by updating the effective date above.
1. Information We Collect
1.1 Information You Provide Directly
We collect information you voluntarily provide when you:
- Submit a merchant application or contact form
- Request a free statement analysis
- Communicate with our sales or support team via phone, email, or chat
- Sign up for newsletters or marketing communications
This information may include your name, business name, email address, phone number, mailing address, tax identification number, bank account information, and processing history.
1.2 Information Collected Automatically
When you visit our website, we automatically collect certain technical information, including:
- IP address and approximate geographic location
- Browser type, version, and operating system
- Pages visited, time spent, and referring URLs
- Device identifiers and cookie data
1.3 Payment and Transaction Data
As a payment processing intermediary, we may access transaction data including cardholder names, truncated card numbers, transaction amounts, and merchant category codes. This data is handled in strict accordance with PCI DSS Level 1 standards. We do not store full cardholder data on our systems.
2. How We Use Your Information
We use the information we collect to:
- Process merchant applications and set up payment accounts
- Provide, operate, and improve our payment processing services
- Communicate with you about your account, transactions, and service updates
- Respond to inquiries, support requests, and complaints
- Conduct fraud monitoring, risk management, and compliance screening
- Send marketing communications (with your consent where required by law)
- Comply with legal obligations, including anti-money laundering (AML) and Know Your Customer (KYC) requirements
- Analyze website usage to improve user experience
3. How We Share Your Information
We do not sell your personal information to third parties. We may share your information in the following limited circumstances:
3.1 Payment Processors and Banking Partners
To facilitate payment processing, we share necessary merchant and transaction data with our acquiring bank partners and payment processors. These parties are bound by their own privacy policies and applicable financial regulations.
3.2 Service Providers
We engage trusted third-party vendors to assist with operations including web hosting, analytics, customer relationship management, and email communications. These vendors are contractually obligated to protect your data and may only use it to perform services on our behalf.
3.3 Legal and Regulatory Requirements
We may disclose your information when required by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, prevent fraud, or ensure the safety of our users and the public.
3.4 Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. We will notify you via email or prominent website notice before your information becomes subject to a different privacy policy.
4. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device. You can control cookie settings through your browser preferences; however, disabling cookies may affect the functionality of certain features.
We use the following types of cookies:
- Essential cookies: Required for basic website functionality
- Analytics cookies: Help us understand how visitors interact with our site
- Marketing cookies: Used to deliver relevant advertisements (only with consent)
5. Data Security
We implement industry-standard security measures to protect your information, including SSL/TLS encryption for data in transit, encryption at rest for sensitive data, access controls and multi-factor authentication, regular security audits and penetration testing, and PCI DSS Level 1 compliance for all payment data.
While we take reasonable precautions, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your information.
6. Data Retention
We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations (including financial record-keeping requirements of up to 7 years), resolve disputes, and enforce our agreements.
When your information is no longer required, we securely delete or anonymize it in accordance with applicable law.
7. Your Rights and Choices
Depending on your location, you may have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information, subject to legal retention requirements
- Opt-out: Unsubscribe from marketing communications at any time using the link in our emails
- Data portability: Request your data in a structured, machine-readable format where applicable
To exercise any of these rights, please contact us at [email protected]. We will respond to your request within 30 days.
8. Children's Privacy
Our services are intended for business use by adults aged 18 and older. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected information from a minor, we will promptly delete it.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.
10. California Privacy Rights (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to request deletion, and the right to opt out of the sale of personal information. LimnPay does not sell personal information. To submit a CCPA request, contact us at [email protected].
11. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:
- Email: [email protected]
- Phone: (833) LIMNPAY
- Mail: LimnPay, Birmingham, MI 48009