COLLECTION OF PERSONAL INFORMATION
We collect personal information that you provide to us directly or to our customers, such as when you create an account or make a payment or receive a payment. This may include your name, email address, phone number, and payment information. We may also collect personal information from third parties, such as credit bureaus and fraud detection services, to verify your identity and prevent fraudulent transactions.
USE OF PERSONAL INFORMATION
We use your personal information to provide and improve our payment processing services, including processing ACH and RTP payments, verifying your identity, and communicating with you about your transactions.
SHARING OF PERSONAL INFORMATION
We never sell your personal information to third parties. However, we may share your personal information with our Third Party Payment Processors and their sponsor banks, ODFI partners, or data processors as necessary to provide and improve our payment conduit services and the payment processing services that we facilitate. We may also share your personal information as required by law, such as in response to a subpoena or court order, or to protect the safety, rights, or property of our company or others.
PROTECTION OF PERSONAL INFORMATION
We implement measures to protect the security and confidentiality of your personal information, including encryption of sensitive information and secure servers. This includes encryption of sensitive information using industry-standard protocols such as TLS 1.2 for data in transit and SHA256 for data at rest. However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security of your personal information.
YOUR PRIVACY RIGHTS
We comply with relevant laws and regulations, including the California Consumer Privacy Act (CCPA) and the Gramm Leach-Bliley Act (GLBA), which provide certain rights to individuals regarding their personal information. We also take best practices into account when handling personal information, including those set forth in the General Data Protection Regulation (GDPR).
These rights may include the right to request access to or deletion of your personal information, and the right to opt out of the sale of your personal information. You may exercise your privacy rights by contacting us at privacy@Mcardit.com.
We will respond to your request within a reasonable time frame and may require additional information to verify your identity.
INFORMATION FOR CHILDREN
We do not knowingly collect personal information from children under the age of 13. If we become aware that we have collected personal information from a child under the age of 13, we will take steps to delete the information as soon as possible.
We do not use personal information for marketing purposes. However, if we were to use personal information for marketing communications in the future, we would obtain explicit opt-in consent from individuals in accordance with relevant privacy laws.
26391 Crown Valley Parkway, Suite 240
Mission Viejo, CA 92691
v1.1 updated September 1, 2023