Privacy Policy

This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally identifiable information’ (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Pay Diverse Ventures LLC, doing business as PayDiverse, takes the privacy of our users seriously. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect, and otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our website?

When submitting a form or making an inquiry on our site, you may be asked to enter your name, email address, mailing address, phone number, business name, business details, or other information to help you with your experience.

SMS Messaging

Pay Diverse Ventures LLC (d/b/a PayDiverse) sends SMS messages to business owners who opt in via our website contact form at https://paydiverse.com/contact-us/. Users opt in by actively checking an unchecked SMS consent checkbox on the contact form before submission. SMS messages are only sent to users who actively check this box.

Messages include inquiry follow-up and response notifications, support request and ticket updates, application or account status alerts, appointment scheduling and reminders, and other service-related customer care notifications. Message frequency may vary based on account activity but is typically a few messages per month. Message and data rates may apply. Reply HELP for assistance or STOP to opt out at any time. Consent is not a condition of service. You must be 18 years of age or older to use this SMS service.

When do we collect information?

We collect information from you when you fill out a form or enter information on our site.

How do we use your information?

We may use the information we collect from you to:

• Respond to your inquiries and customer service requests
• Process your merchant account application and route it to appropriate banking partners
• Provide application status updates and customer care communications
• Send SMS messages to users who have actively opted in
• Improve our website and service delivery
• Comply with legal and regulatory obligations

How do we protect visitor information?

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible. We use regular malware scanning. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems and are required to keep the information confidential. In addition, all sensitive information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers.

Do we use ‘cookies’?

Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enable the site’s or service provider’s systems to recognize your browser and capture and remember certain information.

We use cookies to:

• Understand and save user’s preferences for future visits
• Compile aggregate data about site traffic and site interactions
• Improve site experience and service quality

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies. If you disable cookies, some features will be disabled. Disabling cookies will not prevent you from contacting us or submitting forms.

Third Party Disclosure

We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties for marketing or promotional purposes. We may share information with website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. We do not allow third party behavioral tracking.

SMS/Text Messaging Data

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Messages sent through our SMS program include transactional messages, customer care communications, and alerts, including:

• Inquiry follow-up and response notifications
• Support request and ticket updates
• Application or account status alerts
• Appointment scheduling and reminders
• Service-related notifications

User Rights

You have the following rights regarding your personal information:

• Unsubscribe from SMS: Reply STOP to any text message to opt out. You will receive one confirmation message and no further SMS messages.
• Unsubscribe from email: Use the unsubscribe link at the bottom of any email.
• Update your information: Contact us at [email protected] to update or correct your personal information.
• Request deletion: Contact us at [email protected] to request deletion of your personal information, subject to legal retention requirements.
• Get help: Reply HELP to any SMS message or contact us by email or phone for assistance.

Contact Information

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

• Company: Pay Diverse Ventures LLC (d/b/a PayDiverse)
• Email: [email protected]
• Phone: 516-776-9060
• Address: 450 Alton Road, Miami Beach, FL 33139
• Website: https://paydiverse.com

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy.

According to CalOPPA we agree to the following:

• Users can visit our site anonymously
• Our Privacy Policy link includes the word ‘Privacy’ and can be easily found on our website
• Users will be notified of any privacy policy changes on this Privacy Policy page
• Users are able to change their personal information by emailing us at [email protected]

How does our site handle do not track signals?

We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third party behavioral tracking?

We do not allow third party behavioral tracking.

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.

We do not specifically market to children under 13.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action should a data breach occur: we will notify the users via email within 7 business days.

We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law.

CAN SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

• Send information, respond to inquiries, and other requests or questions
• Process applications and send information and updates pertaining to applications
• Send additional information related to your service

To be in accordance with CAN-SPAM we agree to:

• Not use false or misleading subjects or email addresses
• Identify the message in some reasonable way
• Include the physical address of our business
• Monitor third party email marketing services for compliance, if used
• Honor opt-out and unsubscribe requests quickly
• Allow users to unsubscribe by using the link at the bottom of each email

If at any time you would like to unsubscribe from receiving future emails, you can follow the instructions at the bottom of each email and we will promptly remove you from all correspondence.