PRIVACY POLICY

Last Updated: March 21, 2025

 

ABOUT US

MobiusPay, Inc. is a Florida corporation headquartered in Saint Petersburg, Florida, USA. We provide online merchant payment processing services, specializing in High-Risk Merchant Activation and Domestic & International Processing solutions for businesses and individuals.

HOW TO CONTACT US

If you have questions about this Policy or your personal information, please contact us:

• Online: Through our contact form at https://mobiuspay.com/#contact-form
• Mail: MobiusPay, Inc. Attn: Privacy Matters 360 Central Ave, Suite 800 Saint Petersburg, FL 33701
• Email: privacy@mobiuspay.com
• Phone: (800) 123-4567

SCOPE OF THIS POLICY

This Privacy Policy ("Policy") applies to the mobiuspay.com and mobiusgateway.com websites (the "Website") owned and operated by MobiusPay, Inc. ("MobiusPay," "we," "our," or "us"). At MobiusPay, we are committed to protecting your privacy. This Policy is designed to comply with applicable privacy laws worldwide, including the California Consumer Privacy Act of 2018 ("CCPA") and European Union's General Data Protection Regulation ("GDPR").

This Policy explains when we collect personal information about you, why we collect it, how we use it, when we might share it, how we protect it, and your rights regarding your information. Please read it carefully, as you are bound by its terms when using the Website.

This Policy applies only to information collected through our Website and does not apply to information collected through third-party websites you may access through links on our Website. We recommend reviewing the privacy policies of those third-party websites.

HOW WE COLLECT INFORMATION

We collect information about you in these ways:

1. Direct interactions when you:

• Submit our Contact Form
• Register for an account
• Communicate with us on social media
• Send us emails or other communications

2. Automated technologies that collect:

• Device information (type, IP address, browser type, operating system)
• Website usage data (pages visited, navigation patterns, referral sources)
• Cookies and similar tracking technologies

INFORMATION WE COLLECT

We may collect and process these categories of personal information:

1. Identity and Contact Information

• Name
• Email address
• Postal address
• Phone number

2. Financial Information

• PayPal account details
• Tax ID number
• Bank information (name, address, routing number, account number)

3. Technical and Usage Data

• Session data
• Transaction history
• IP addresses
• Device identifiers
• Browser type and version
• Operating system

Special Categories of Data

We do not intentionally collect sensitive personal information (such as details about your health, ethnicity, religious beliefs, or sexual orientation). If such information is ever needed for a specific service or dispute resolution, we will clearly explain why it's necessary and obtain your explicit consent. If you provide sensitive information unsolicited, we will either delete it or protect it with the same security measures we apply to other personal information.

HOW AND WHY WE USE YOUR INFORMATION

We use your personal information for these purposes:

1. Service Provision and Improvement

• Processing payment transactions
• Supporting merchants with website usage and dispute resolution
• Fraud prevention and detection
• Service enhancement through data analysis

2. Communication

• Responding to your requests and inquiries
• Updating you about our services and policy changes
• Collecting feedback
• Maintaining accurate contact records

3. Research and Development

• Analyzing usage patterns to improve our services
• Developing new features and offerings

If we need to use your information for a purpose not described in this Policy, we will obtain your consent before doing so.

COOKIES AND TRACKING TECHNOLOGIES

Types of Cookies We Use

1. Essential Cookies

• Required for basic website functionality
• Cannot be disabled

2. Functional Cookies

• Remember your preferences and settings
• Improve your browsing experience

3. Analytics Cookies

• Help us understand how visitors use our Website
• Provide insights to improve performance and design

4. Third-Party Cookies

• Set by third-party services on our Website
• May track your activity across different websites

Managing Cookies

Most web browsers allow you to control cookies through their settings. You can:

• Block cookies by activating browser settings
• Delete cookies already stored on your device
• Set preferences for certain websites

Please note that restricting cookies may impact your experience on our Website and limit certain functionalities.

HOW LONG WE KEEP YOUR INFORMATION

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, including:

• While your account remains active
• As required to comply with legal obligations
• As needed for tax and accounting purposes
• To resolve disputes or enforce agreements

Different types of information may be kept for different periods:

• Account information: While your account is active plus 7 years
• Transaction data: 7-10 years (for tax and regulatory compliance)
• Communication records: 3 years from last interaction
• Technical data: 13 months

We regularly review our retention policies and securely delete information that is no longer needed.

WHO CAN ACCESS YOUR INFORMATION

We do not sell your personal information.

We may share your information with:

1. Service Providers
• Payment processors
• Fraud detection services
• Cloud hosting providers
• Customer support tools

When sharing with service providers, we disclose only the information necessary for service delivery and require them to protect your information and use it solely for providing the contracted services.

2. Legal and Regulatory Authorities

• In response to legal processes (court orders, subpoenas)
• To comply with laws and regulations
• To protect against fraud or illegal activity
• To enforce our terms of service

3. Business Transfers

• In connection with a merger, acquisition, or sale of assets (with appropriate safeguards for your data)

We contractually prohibit recipients of your data from using it for marketing purposes or selling it to others.

HOW WE PROTECT YOUR INFORMATION

We implement appropriate technical and organizational measures to protect your personal information, including:

1. Encryption and Secure Connections

• SSL protocol with 256-bit SHA encryption for data in transit
• Encryption for sensitive stored data
• Secure pages indicated by a lock icon in your browser

2. Access Controls

• Restricted staff access to personal information
• Authentication requirements for system access
• Regular security training for personnel

3. System Security

• Firewalls and intrusion detection systems
• Regular security assessments and penetration testing
• Continuous monitoring for suspicious activities

4. Your Responsibility

• Keep your password confidential and do not share it
• Log out from your account when using shared devices
• Contact us immediately if you suspect unauthorized access

While we implement strong security measures, no method of transmission or storage is 100% secure. We cannot guarantee absolute security of your information, but we continuously work to maintain appropriate physical, technical and administrative safeguards.

YOUR PRIVACY RIGHTS

Depending on your location, you may have these rights regarding your personal information:

1. Right to Access

• Request confirmation that we process your data
• Obtain a copy of your personal information
• Learn how we use your data and with whom we share it

2. Right to Correction

• Request updates to inaccurate or incomplete information
• Provide supplementary information to complete incomplete data

3. Right to Erasure ("Right to be Forgotten")

• Request deletion of your personal information when:
• It's no longer necessary for its original purpose
• You withdraw consent
• You object to processing and we have no overriding legitimate interest
• The data was unlawfully processed
• Note: Deletion may result in service termination

4. Right to Restriction

• Request temporary limitation on processing while:
• We verify data accuracy when you contest its accuracy
• We verify legitimate grounds that override your objection
• You need the data for legal claims but we no longer need it

5. Right to Object

• Object to processing based on legitimate interests
• Object to direct marketing
• Object to processing for research or statistical purposes

6. Right to Data Portability

• Receive your data in a structured, commonly used format
• Transfer your data to another service provider where technically feasible

How to Exercise Your Rights

To exercise any of these rights:

1. Submit a request through our contact form at https://mobiuspay.com/#contact-form
2. Send a written request to our mailing address with proof of your identity

We will respond to your request within 30 days. This period may be extended by up to 60 additional days when necessary, considering the complexity and number of requests.

While these rights are comprehensive, exceptions may apply based on legal requirements, public interest, or our legitimate business needs. We will explain any limitations when responding to your request.

INTERNATIONAL DATA TRANSFERS

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, please note that your personal information will be transferred to and processed in the United States, where our servers are located and our central database is operated.

The United States may not have data protection laws as comprehensive as those in your country. To protect your information when transferred internationally, we implement appropriate safeguards including:

• Standard contractual clauses approved by the European Commission
• Data processing agreements with service providers that restrict data use
• Security measures described in the "How We Protect Your Information" section

By using our Website or services, you acknowledge these data transfers. You have the right to request information about the specific safeguards we use for your data by contacting us through the methods listed in the "How to Contact Us" section.

LEGAL BASES FOR PROCESSING

For users in the European Economic Area (EEA), United Kingdom, and other jurisdictions with similar requirements, we process your personal information based on one or more of these legal grounds:

1. Contract Performance

• Processing necessary to fulfill our contractual obligations to you
• Examples: account registration, payment processing

2. Legitimate Interests

• Processing necessary for our legitimate business interests
• Examples: fraud prevention, service improvement, marketing
• Always balanced against your privacy rights

3. Legal Obligation

• Processing necessary to comply with laws and regulations
• Examples: tax reporting, responding to legal requests

4. Consent

• Processing based on your specific, informed consent
• Examples: certain cookies, marketing communications
• You can withdraw consent at any time

Where we rely on legitimate interests, you have the right to object as described in the "Your Privacy Rights" section.

CHILDREN'S PRIVACY

Our Website and services are not directed to individuals under 18 years of age, and we do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will promptly delete that information.

If you believe we might have collected information from a child under 18, please contact us immediately using the information in the "How to Contact Us" section.

DATA BREACH NOTIFICATION

In the event of a personal data breach that is likely to result in a risk to your rights and freedoms, we will:

• Notify the relevant supervisory authority without undue delay and, where feasible, within 72 hours of becoming aware of the breach
• Notify affected individuals promptly with information about the breach and steps we're taking to address it
• Provide recommendations for measures you can take to protect yourself from potential consequences
• Document all breaches and our response actions

POLICY UPDATES

We may update this Privacy Policy periodically to reflect changes in our practices, services, or applicable laws. When we make material changes, we will:

• Post the updated Policy on our Website
• Update the "Last Updated" date at the top of this Policy
• Provide notice through the Website or by email for significant changes

We encourage you to review this Policy regularly. Your continued use of our Website after Policy changes constitutes your acceptance of the revised terms.