Privacy Policy

This Privacy Policy describes how POS+ (hereinafter “POS+,” “we,” “our,” and “us”) uses the data we collect. POS+ provides no-code payment solutions that integrate with different cloud software to businesses. This Privacy Policy applies to our website visitors, prospective referral partners, authorized referral partners, prospective merchants, authorized merchants who use our services, and customers who directly or indirectly use our services by transacting with our authorized merchants (hereinafter “you” and “your”).

Please read this Privacy Policy carefully.

By using our extension, or accessing, browsing, or using our websites (hereinafter collectively “Services”), you confirm that you have read, understood, and agree to the terms of this Privacy Policy.

Published Date: 5/16/2024 Effective Date: 5/16/2024

Who we are

Our website address is: https://posplus.org.

Who Are the Users From Whom We Collect Data?

We collect data from various sources to provide our Services effectively.

The type of data we collect about you depends on your relationship with POS+ and your interactions with our Services.

The categories of users interacting with POS+ include:

Merchants – Businesses or entities that sell products and services in the marketplace and use our browser extension to process payments.
Merchant’s Customers – Individuals or entities that purchase goods or services from a Merchant and directly or indirectly use our Services to make payments.
Referral Partners – Individuals, businesses, or entities that have a business relationship with POS+ to refer potential Merchants to us.
Visitors – Individuals who voluntarily interact with POS+ but are not necessarily Merchants, Merchant’s Customers, or Referral Partners; for example, visitors to the POS+ website or job applicants responding to a posting.

We do not knowingly collect data from unauthorized users, including children under the age of sixteen (16). If you believe we have mistakenly collected data from someone ineligible to use our Services, please contact us. Unless legally required to retain it, we will remove the data in question.

How Do We Collect Your Data?

You may directly provide us with data when you use our Services.

We may also receive data about you from third parties. For example, we may collect information about:

Merchant’s Customers from a Merchant or Referral Partner.
Merchants from a Referral Partner or Merchant’s Customer.

Additionally, we may collect information about you from various third-party sources, including but not limited to:

Background check, credit check, risk, and fraud screening service providers.
Banks, card networks, and other payment processing service providers.
Content, computing, and system delivery service providers.
Marketing, tracking, and lead service providers.
Merchants, Merchant’s Customers, and Referral Partners.

We collect, process, transmit, and sometimes store data when you:

Use our Services.
Transact, make a payment, or purchase from a Merchant.
Request information about our products and Services.
Register, purchase, or apply for any of our products and Services.
Apply, register, or contract to become a Referral Partner.
Voluntarily complete a survey, leave a comment, or provide feedback on any of our sites.
Participate in promotions, contests, or other marketing activities.
Communicate with us via phone, fax, email, or support ticketing systems.
Interact with our marketing ads, lead tracking, or relationship management systems.
Access, browse, or use our website (in conjunction with your browser’s cookies).

What Data Do We Collect?

For business purposes and based on our legitimate interests, we collect various types of data. The following list provides a representative sample of major data categories we collect. This is not an exhaustive list of every data element.

If you have specific questions about the data elements we collect, please contact us. If you are a Merchant’s Customer, please reach out to the Merchant with whom you have the business relationship for specific questions about the data they collect.

Yes – Generally always collected.
May – May be collected (not necessarily in every case).
No – Not collected.

How Do We Use Your Data?

We use your data to:

Perform our Services:
Open and manage your account.
Process payments for your transactions, including recurring ones.
Host online shopping cart checkout pages.
Send invoices to Merchant’s Customers at the Merchant’s direction.
Display account information, transaction histories, and reports.
Verify and authorize account access.
Maintain account and payment information.
Provide security alerts and dispute notices.
Collect fees.
Provide support and information you request.
Contact you for support, including customer service requests.
Comply with laws and regulations and enforce our agreements.
Provide digital receipts via email or text messages.
Offer payment-related services to Merchants and their Customers.
Improve and Develop our Services:
Research new features to enhance our products and service capabilities.
Measure, track, and analyze trends and usage.
Monitor our sites to ensure they work as intended.
Develop new products and services.
Personalize your experience using our Services (which may rely on cookies).
Communicate with You:
Solicit feedback about our Services via surveys, phone calls, or emails.
Email you system updates, maintenance requests, and notifications.
Protect our Services:
Maintain the safety, security, and integrity of our systems and Services.
Verify your identity.
Investigate and enforce applicable laws, regulations, and industry standards.
Respond to lawful requests for information from government agencies.
Respond to other valid legal processes.
Debug, identify, and fix errors that may impair our Services.
Dispute chargebacks on behalf of Merchants.
Protect our rights, your rights, and the rights of Merchants, their Customers, and Referral Partners.
Investigate, detect, and prevent fraud, security breaches, and other malicious activities.
Ensure you follow our Terms and Conditions or other applicable agreements or policies.
Advertise and Market our Services:
Email or provide you with information and offers we think you might like.
Market our products, Services, Referral Partners, and Merchants.
Understand and better cater to your interests.
Other Uses:
For any other purposes we may tell you about from time to time.

Any email solicitations from us will have an option to “opt-out” of any future marketing communications.

How Do We Share Your Data?

We do not sell or rent your data to marketers or third parties. We also do not share, rent, or sell the data of our Merchant’s Customers for interest-based advertising.

We share your data with third parties to:

Facilitate transactions and help us provide our Services.
Underwrite and assess your eligibility for opening an account.
Open an account on your behalf.
Market our products.
Resolve disputes.
Address problems with our Services.
Assist with investigations.
Monitor, detect, or prevent fraud.
Enforce our agreements.
Collect our fees.
Comply with applicable laws, regulations, and contractual business obligations.
Comply with our accounting, tax, and financial reporting obligations.

Additionally, we may share your data in the following manners or with the following third parties:

Parties to a Transaction or Agreement:
Merchants selling goods and services to Merchant’s Customers.
Referral Partners referring a Merchant to us for solicitation.
Subsequent owners, co-owners, or operators of a Merchant or Referral Partner.
Payment Providers:
Payment processors, card networks, and automated clearing house networks.
Sponsoring banks and other financial institutions used to facilitate transactions.
Service Providers:
Third parties performing underwriting.
Fraud prevention providers.
Background check, credit check, and identity verification providers.
Payment processors, money transmitters, tax reporters, and bank sponsors.
Analytics and metrics reporting providers.
Advertising and marketing campaign advisors.
Research and development consultants.
Compliance and governance auditors and service providers.
Email, text, communications, and content delivery providers.
Information technology and related infrastructure providers.
Customer service and resource management system providers.
Computing, spam enforcement, and security providers.
Collection agencies.
Advertising Campaign Providers and Referral Partners:
Third-party interest-based ad tracking providers that may use cookies, pixel tags, click-through links, and server logs to help solicit advertisements regarding our products to you.
Referral Partners whose products and services we think you might like.
Entities Involved in Legal Compliance and Enforcement:
Courts, governments, regulators, and law enforcement when accompanied by a subpoena or other legal documents that require us to respond.
Attorneys who assist in investigating or enforcing violations of our agreements.
Auditors who assess compliance with card association or other payment rules.
Entities Involved in Corporate Transactions:
Transactions involving our business, or your business, for assignment, merger, purchase, or a sale of part or all of the business, or the contemplation thereof.
Entities with Your Consent:
Entities you describe and desire to share information with at your discretion.
Third-party providers you grant access to your data or connect to your account.

If you are a Merchant, we will share your data with payment providers, reporting agencies, sponsoring banks, and other providers we contract with to provide our Services. This includes identity, credit, and financial information necessary to underwrite, open, and maintain your account.

For security reasons and to prevent misuse, POS+ will not export any payment data from its systems unless legally required.

For business purposes, POS+ has disclosed the following categories of data (as described above) within the preceding twelve (12) months:

A. Identifiers
B. Records and financial information
C. Characteristics
D. Commercial information
E. Biometric information
F. Internet or network activity information
G. Geolocation data
H. Sensory data
I. Professional or employment information
K. Inference information
L. Content messages

How Do We Store Your Data?

We take reasonable steps to protect your data from loss, misuse, and unauthorized disclosure. These measures include hosting your data at facilities and cloud providers (some of which are third parties) that employ physical security access controls. We implement security controls to protect data, including the encryption of key payment data elements (such as payment account numbers or “PAN”). Additionally, we implement logical security controls to limit access to data to those entities who need it to perform their duties. We maintain compliance with the Payment Card Industry Data Security Standard through an annual security assessment conducted by a licensed third-party Qualified Security Assessor. However, no data transmission or storage system can guarantee absolute security, and therefore neither can we.

While we take reasonable steps to protect our systems and Services, you are responsible for keeping your account information and passwords private. If you interact with a public blog post, comment section, or forum regarding our Services, please note that your interactions may also be public.

How Long Do We Store Your Data?

We retain data for as long as we are providing Services to you.

We may retain data even after you close your account, or we cease providing Services to you, for as long as authorized under our agreements or reasonably necessary to:

Resolve disputes.
Address problems with our Services.
Assist with investigations.
Monitor, detect, or prevent fraud.
Enforce our agreements.
Collect our fees.
Comply with applicable laws, regulations, and contractual business obligations.
Comply with our accounting, tax, and financial reporting obligations.

If you are a Merchant’s Customer, we retain your data subject to the above and for as long as we are providing Services to your Merchant (this includes multiple different Merchants you may transact with across our platform).

It is our practice to establish retention periods for all data collected based on our business obligations and the criteria necessary to provide services. When the service is terminated, and the retention period expires, data is deleted.

Marketing, Interest-Based Advertising, and Analytics

We may send Merchants information about our products and services we think they might like, as well as those of our Referral Partners. If you have agreed to receive marketing solicitations and to share your data with our Referral Partners, you have the right to “opt-out” at any time.

If you no longer wish to be contacted for marketing purposes, please click here. Email solicitations from us will also have an option to opt-out of any future marketing communications.

We may use interest-based advertising providers, advertising networks, and exchanges to advertise our services to you. These advertising providers may allow us to target our ads based on demographics, interests, and context. They may also track your online activities, pages viewed, and actions taken over time and across multiple websites by collecting your data through the use of cookies, pixel tags, click-through links, Internet Protocol (IP) addresses, and other similar technology.

We may use third-party service providers to compile analytics regarding our online Services. We may share some of your data (including your Internet Protocol (IP) address, device information, and other data described above) with these analytics providers, and they may also use cookies, pixel tags, click-through links, Internet Protocol (IP) addresses, and other similar technologies to help us analyze how you interact with our Services.

How Do We Use Cookies and Other Similar Technologies?

For the purposes of this section, a “computer” includes smartphones, tablets, or any other electronic devices that may use the internet to connect to our Services or third-party providers online.

A “cookie” is a text file placed on your computer that may uniquely identify your computer or store information to assist in future connections to our websites.

How to Contact Us

If you have any questions out our Privacy Policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us.

Email: jordan@posplus.org

Call: +1 (415) 797-4210