Paycron Privacy Policy

Paycron, a trusted eCheck processing provider, values your privacy and is committed to safeguarding your personal data. This Privacy Policy details how we collect, use, and protect the personal data you provide to us when you interact with our services, ensuring compliance with relevant laws.

1. Information we collect

By using our services, you consent to the data practices described in this policy.

• End Users: Data such as name, email, phone number, and payment details of the fund initiated to add the prepaid balance.
• End Customers: Transaction data including transaction history, and contact information when using Paycron services through business partners.
• Business Representatives: Business details, contact information, when opening an eCheck account.
• Visitors: Information such as IP address, browsing behavior, and cookies when visiting our website.

2. How We Use Your Data

Paycron processes personal data for the following purposes:

• Payment Processing:To handle transactions, including eCheck processing, refunds, and financial verifications.
• Fraud Prevention and Security:To monitor, detect, and prevent fraudulent activities through verification technologies and identity checks.
• Communications:To send updates, notifications, and marketing communications (where consented).
• Compliance with Laws:To comply with legal obligations, including AML (Anti-Money Laundering) and KYC (Know Your Customer) requirements.

3. Data Sharing

Your personal data may be shared with third parties as necessary:

• Financial Institutions: To process payments and manage financial transactions with banks and payment processors (e.g., Visa, MasterCard, ACH systems).
• Business Partners: Data shared with business partners to facilitate refund services.
• Legal Authorities: Disclosures to law enforcement, courts, or regulators when required by law or for compliance purposes.

We do not sell or share personal data with third parties on any grounds.

4. Data Security

We implement industry-standard security measures, including encryption and access controls, to protect your data from unauthorized access, disclosure, or loss. We continuously monitor our systems to ensure compliance with international security standards.

5. Retention of Your Data

We retain personal data as long as necessary to provide our services and comply with legal obligations. Transaction records may be stored longer for compliance with tax, financial reporting, or regulatory requirements.

6. Your Rights

Depending on your location, you may have certain rights over your personal data, including:

• Access: Request a copy of your personal data.
• Correction: Rectify any incorrect or incomplete data.
• Erasure: Request deletion of your personal data, subject to legal obligations.
• Restriction: Restrict processing in certain situations.
• Portability: Request data transfer to another service provider.
• Objection: Object to data processing for specific uses, including marketing.

To exercise these rights, please contact support@paycron.com.

7. Cookies and Tracking Technologies

We use cookies to enhance your browsing experience, personalize content, and analyze web traffic. You can manage cookie settings through your browser, but certain functionalities may be impacted if cookies are disabled. For more information, refer to our [Cookie Policy].

8. Changes to This Policy

We may update this Privacy Policy periodically. Any changes will be posted on our website, and significant changes will be communicated directly to users. The date at the top of the policy will indicate the latest update.

9. Contact Us

If you have questions about this policy or need to exercise your rights, please reach out to our Team at: support@paycron.com