Privacy Policy

 Effective Date: 03.01.2026
Website: merchantaccess.io
Owner: MERCHANT ACCESS.IO INC

MERCHANT ACCESS.IO INC, doing business as MerchantAccess.io (“Company,” “we,” “our,” or “us”), respects your privacy and is committed to protecting personal information in accordance with applicable laws and industry standards.

This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit merchantaccess.io or use the MerchantAccess.io platform and related services (collectively, the “Services”).

By accessing or using the Services, you acknowledge that you have read and understand this Privacy Policy.

This Privacy Policy applies to:

• Visitors to merchantaccess.io
• Individuals who create user accounts
• Merchant Users
• Advertiser Users
• Applicants and prospective users
• Individuals interacting with our support or compliance teams
   

This Policy does not govern third-party processors, banks, payment service providers, or external platforms that users may engage with separately.

We collect information necessary to operate a structured SaaS marketplace platform. Categories may include:

A. Information You Provide

• Name, email address, phone number
• Business entity information
• Corporate documentation
• Government-issued identification (where required for onboarding)
• Ownership and control attestations
• Compliance certifications
• Communications submitted through forms, tickets, or support channels
   

B. Platform Activity Information

• Account credentials
• User role classifications
• Organization lifecycle status
• Document uploads
• Audit logs and activity records
• API interactions
   

C. Automatically Collected Information

When you visit MerchantAccess.io, we may automatically collect:

• IP address
• Browser type
• Device information
• Operating system
• Access timestamps
• Referring URLs
   

This information is collected for security, analytics, and system optimization purposes.

We use collected information to:

• Provide and maintain the Services
• Conduct onboarding and compliance review
• Enforce platform policies and agreements
• Monitor risk indicators and governance standards
• Communicate with users
• Respond to inquiries and support requests
• Improve platform functionality
• Detect fraud, abuse, or unauthorized access
• Comply with legal and regulatory obligations
   

MerchantAccess.io does not use personal information to engage in behavioral advertising unrelated to platform operations.

Where applicable, we process personal information based on:

• Contractual necessity
• Legitimate business interests
• Legal obligations
• User consent where required

We do not sell personal information.

We may share information in the following circumstances:

A. Service Providers

With vendors and contractors who assist in operating the platform, including:

• Cloud hosting providers
• IT infrastructure vendo
• Compliance consultants
• Security monitoring providers
   

Such parties are bound by confidentiality and data protection obligations.

B. Legal and Regulatory Compliance

We may disclose information:

• To comply with applicable law
• In response to lawful subpoenas or court orders
• To protect the rights, property, or safety of the Company, users, or others
• To investigate suspected fraud or policy violations
   

C. Business Transfers

In the event of merger, acquisition, restructuring, or asset sale, user information may be transferred as part of the transaction.

We retain information for as long as necessary to:

• Fulfill contractual obligations
• Maintain audit and compliance records
• Resolve disputes
• Enforce agreements
• Comply with legal obligations
   

Retention periods may vary depending on regulatory, operational, or risk considerations.

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information, including:

• Encrypted data transmission
• Role-based access controls
• Authentication protocols
• Activity logging
• Infrastructure monitoring
   

No method of transmission or storage is completely secure. Users are responsible for safeguarding account credentials.

If information is transferred outside the United States, we take reasonable steps to ensure appropriate safeguards are in place consistent with applicable law.

If you are a California resident, you may have the right to:

• Request access to personal information we collect
• Request deletion of personal information
• Request correction of inaccurate information
• Opt out of the sale or sharing of personal information (note: we do not sell personal information)
• Limit use of sensitive personal information where applicable
   

To exercise your rights, contact:

privacy@merchantaccess.io

We will verify your identity before processing requests as required by law.

If you are located in the EEA or UK, you may have rights including:

• Access to your personal data
• Rectification of inaccurate data
• Erasure under certain conditions
• Restriction of processing
• Data portability
• Objection to processing
• Withdrawal of consent where processing is based on consent
   

You may lodge a complaint with your local supervisory authority.

We may use cookies and similar technologies to:

• Maintain session integrity
• Improve site functionality
• Analyze site traffic
• Enhance security
   

Users may adjust browser settings to control cookie usage; however, some features may not function properly if cookies are disabled.

The Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.

The website may contain links to third-party websites. We are not responsible for the privacy practices or content of such external sites.

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of the Services constitutes acceptance of the revised Policy.

If you have questions regarding this Privacy Policy or our data practices, please contact:

MERCHANT ACCESS.IO INC
Email: privacy@merchantaccess.io
Website: merchantaccess.io