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1. OUR COMMITMENT TO PRIVACY

ePayment, LLC (“ePayment” “we” “our”) is the owner and operator of this and other websites within our family of companies (collectively “Website”). The products and services we offer represent tech-enabled payments solutions for a wide variety of industries. We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular person or device (“personal information” or “PI”). We are committed to protecting any PI collected while providing those services. You have the right to know the PI that is being collected, to know if it is being sold or shared, and to whom, to object to the sale of PI, to access your PI, and to equal service and price, even for consumers who exercise their privacy rights. This Privacy Policy applies to all visitors to this website and anyone else who accesses or uses our products and services. WHEN YOU ACCESS THE WEBSITE, YOU AGREE TO THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, OR TO ANY CHANGES WE MAY SUBSEQUENTLY MAKE, IMMEDIATELY STOP ACCESSING THE WEBSITE.

2. THE PERSONAL INFORMATION WE COLLECT AND HOW WE COLLECT IT

How we collect and store information depends on the products and services you use. You can use some of the Website without providing any information other than that automatically collected as described below:

In addition to the PI automatically collected, we may also collect PI about you: when you complete  and submit registration forms, applications or other forms; from third parties, consumer-reporting  agencies, fraud monitoring providers, commercial databases or know your customer providers  (KYC); and transactions with us or our affiliates. This PI may include name, address, web address,  IP address, URL, email address, phone number, payment transaction information, financial and  credit card information, date of birth, government identifiers associated with you and your  organization (such as your social security number, tax number, or Employer Identification  Number), merchant or other customer identification.  

The information we have collected in the last 12 months, and may collect in the future, whether  automatically, from you, or from third parties, fall into the following categories: personal  identifiers, personal information listed in the California Customer Records Statute (Cal. Civ. Code  1798.80(e), protected classification characteristics such as race, commercial information,  biometric information, internet or other similar network activity, geolocation data, sensory data,  professional or employment related data, non-public education information, and inferences drawn  from other personal information. As discussed below, you may have the right to request  information on the specific categories we collect about you. 

*Please note – we may collect information that is deemed to be educational information, such as  student name and education records, when you use our education services. This PI may also be  protected by other state and/or federal laws, including the Family Education Rights and Privacy  Act, as detailed in the terms and conditions governing your use of those services. 

3. USE OF PERSONALLY IDENTIFIABLE INFORMATION


We use the PI we collect in a variety of ways that are appropriate, based on legitimate interests or as authorized by applicable law, which may include:

4. HOW AND WHEN WE SHARE PERSONALLY IDENTIFIABLE INFORMATION


We only share your PI with third parties, as outlined below:

Suppliers who assist us with the provision of its services, including fulfilling or processing  application forms, processing payments; managing credit, security, sector and fraud risk,  market research and survey activities.

To the extent we are deemed to “sell” your non-public personal information (as the term “sell” is  defined under law, such as the California Consumer Privacy Act), you have the right to opt-out of  that “sale” on a going-forward basis at any time. “Third parties” with whom we have shared PI  in the last 12 months, and may share with in the future, may include, but not be limited to, service  providers, governmental authorities, buyer in the event of a sale, contractors, third parties who  market their products and services to the individual, subsidiaries and affiliates, and in some cases with customers (like schools and landlords).  

Notwithstanding anything herein to the contrary, we reserve the right to disclose any PI about you  if we are required to do so by law, with respect to copyright and other intellectual property  infringement claims, or if we believe that such action is necessary to fulfill a government request;  conform with the requirements of the law or legal process; protect or defend our legal rights or  property, the Website, or other members of our family of companies; or in an emergency to protect  the health and safety of the users of the Website or the general public.

5. YOUR RIGHTS AND CHOICES


Our goal is to provide you with simple and meaningful  choices about how your information is used. If you are a visitor to our Website or a customer,  merchant or partner, you control your choices by your selections when you set up your account  with us, for example to control the email you receive from us. Your account information will be  retained in our database and maintained for future orders or transactions and as required under  applicable law, rules, and/or regulations. It is your responsibility to ensure that the account  information is accurate and you should update the information as necessary. We do retain  information concerning transactions other than PI. For example, we retain non-personally  identifiable data concerning the number, frequency, size and purpose of transactions. You have a  right to inspect and review your account information, including your PI. If you request it, we will  provide you with a copy of your account information. 

You may request, up to twice in a 12-month period, the following information about the PI we  have collected about you during the past 12 months, the categories and specific pieces of PI we  have collected about you, the categories of sources from which we collected the PI, the business  or commercial purpose for which we collected the PI, the categories of third parties with whom  we shared the PI, the categories of PI about you that we disclosed for a business purpose, and the  categories of third parties to whom we disclosed that information for a business purpose. Subject  to certain limitations under applicable law, you may request that we delete the PI we have  collected. To submit a request to exercise any of the rights described above, you may contact us  by emailing support@epayment.one or calling 855-844-5586. We may need to verify your  identity before responding to your request, such as verifying that the email address from which  you send the request matches your email address that we have on file. Authentication based on a government-issued and valid identification document may be required.  

6. OUR COMMITMENT TO SECURITY


We value your confidence and have implemented  administrative, technological and physical security measures we consider reasonable and  appropriate to protect against the loss, misuse and alteration of the PI under our control. We cannot,  however, guarantee or warrant the security of any PI you disclose or transmit to us online and are  not responsible for the theft, destruction, or inadvertent disclosure of your PI. We recommend that  you take steps to protect the privacy and security of your personal and payment PI and your activity  while using the Internet. Where we have given you (or where you have chosen) a password  or access code enabling you to access certain parts of the Website, you are responsible for keeping  this password and/or access code confidential. You should not share your password or access code  with anyone and you should use all reasonable methods to ensure that there is no unauthorized use.  You therefore authorize us to act upon instructions and PI received from any person that enters  your user ID and password and you agree to be fully responsible for all use and any actions that  may take place during the use of your account. You also agree to promptly notify us of any PI you  have provided which has changed.

7. CHILDREN UNDER 13


We have no way of distinguishing the age of individuals who access  the Website. The features, programs, promotions and other aspects of the Website requiring the  submission of PI are not intended for children. We do not knowingly collect PI from children  under the age of 13. If you are a parent or guardian of a child under the age of 13 and believe he  or she has disclosed PI to us please contact us at support@epayment.one. A parent or guardian of a child under the age of 13 may review and request deletion of such child’s PI as well as prohibit the use thereof, and also we carry out the same Privacy Policy. 

8. HIPAA


The Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), as  amended by the Health Information Technology for Economic and Clinical Health Act (“HITECH  Act”), is a federal law intended to maintain the privacy and security of individuals’ health  information. In regard to ePayment’s obligations, HIPAA applies to certain activities of several ePayment subsidiaries (“Covered Entities”) as defined under the privacy, security, breach notification,  and enforcement rules at 45 C.F.R. Part 160 and Part 164 (“HIPAA Rules”). The Covered Entities’  activities include interacting with health plans, health plan clearinghouses, and health care  providers that transmit health information electronically in certain types of transactions.  

Although ePayment is ultimately responsible for HIPAA oversight, compliance, and enforcement obligations, as applicable, because the HIPAA Rules may apply to only certain ePayment’s subsidiaries, ePayment does not wish to designate the entire enterprise as a hybrid entity or affiliated covered entity. Instead, ePayment has entered into HIPAA business associate  agreements, where required, to permit ePayment to access, disclose, and use HIPAA protected  health information in accordance with applicable law.

9. REVISIONS TO OUR PRIVACY POLICY


This Privacy Policy is effective as of the date stated above. We reserve the right to revise this Privacy Policy or any part of it from time to time. We will post a new or revised Privacy Policy to the Website, and we suggest you review our Privacy Policy periodically when accessing the Website.

10. CONTACT INFORMATION


You may contact us at support@epayment.one if you have questions or comments about our Privacy Policy.