Privacy Policy
This Privacy Policy explains how Selective Pay (“we,” “us,” or “our”) collects, uses, discloses, and safeguards personal information when you visit our websites, contact us, or use our services. It also describes your privacy rights and how to exercise them.
Quick Summary
What we collect
Contact details, business information, site usage (via cookies/analytics), and information you submit in forms or during onboarding. If you apply for merchant services, we may collect additional verification information (e.g., EIN, banking details) to comply with legal and risk requirements.
How we use it
To provide and improve services, communicate with you, process applications and payments, secure our systems, comply with laws, and market where permitted.
Your choices
You can opt out of marketing, manage cookies, and exercise access, deletion, correction, and other rights described below.
1) Scope & Roles
This policy applies to personal information we process about visitors to our websites, prospective and current customers, vendors, and other business contacts.
Controller vs. Processor. For our website and marketing activities, we act as a controller. When we process payment-related data on behalf of our merchant customers (for example, via gateways or virtual terminals they use), we act as a processor/service provider. In those cases, the merchant’s privacy policy governs and requests should be directed to the merchant; we will assist them as required by law or contract.
2) Information We Collect
Information you provide
- Contact and business details (name, email, phone, company, role).
- Communications and content you send us (support requests, surveys, interviews).
- Forms and onboarding data (e.g., if you apply for merchant services: owners/officers, EIN/TIN, bank account details for settlement, identity verification documents).
Information collected automatically
- Device and usage data (IP address, browser type, pages viewed, referring/exit pages, timestamps) via cookies, pixels, and analytics tools.
- Approximate location derived from IP address.
Information from third parties
- Lead sources and referrals; public databases and business networks.
- Fraud‑prevention and identity‑verification partners (e.g., bank verification, sanctions screening, credit and risk checks where permitted).
3) How We Use Information
- Provide, operate, and improve our services and websites.
- Process applications, onboard merchants, and pay out settlements.
- Communicate about accounts, security, updates, and marketing (where permitted).
- Detect, investigate, and help prevent fraud, abuse, and security incidents.
- Comply with legal, regulatory, and tax obligations (e.g., KYC/AML).
- Create de‑identified or aggregated data for analytics and reporting.
4) Legal Bases (EEA/UK)
Where GDPR/UK GDPR applies, we process personal data under these legal bases: (a) contract performance; (b) legitimate interests (e.g., securing our services, improving websites, marketing to business contacts); (c) legal obligation; and (d) consent where required (e.g., certain cookies/marketing).
7) Data Retention
We retain personal information for as long as necessary for the purposes described above, including to meet legal, accounting, or reporting requirements, resolve disputes, and enforce agreements. Retention periods vary by data type and legal obligations.
8) Security
We implement technical and organizational safeguards designed to protect personal information, including encryption in transit, access controls, and employee training. No system is perfectly secure, but we work to continually improve our security program. Payment card data is handled in accordance with applicable card‑brand rules and industry standards.
9) Children’s Privacy
Our websites and services are intended for business users and are not directed to children under 13. We do not knowingly collect personal information from children.
10) International Transfers
If you access our sites or services from outside the United States, your information may be processed in the U.S. and other countries with different data protection laws. Where required, we use appropriate safeguards (such as Standard Contractual Clauses) for such transfers.
11) Your Privacy Rights
Depending on your location, you may have rights to request access, correction, deletion, portability, restrict or object to processing, withdraw consent, and opt out of targeted advertising, sale, or profiling. We will not discriminate against you for exercising these rights.
How to Exercise Rights
Submit a request at Your Privacy Choices or email admin@selectivepay. Include your name, email, the request type, and your state/country. We may need to verify your identity (e.g., by confirming control of your email).
Authorized Agents & Appeals
Where permitted, you may use an authorized agent; we may require proof of authorization. If we deny your request, you may appeal by replying to our decision with “Privacy Appeal.” If unresolved, you may contact your local regulator.
Opt‑Outs
Opt out of marketing emails using the unsubscribe link. For cookies and targeted advertising, use the cookie banner, Do Not Sell or Share My Personal Information (where applicable), or send a GPC signal in your browser.