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PRIVACY POLICY

Welcome to Paymatrix.io (“we”, “our”, or “us”). Your privacy is critically important to us. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or communicate with us, including via SMS (A2P 10DLC compliant). By using Paymatrix.io, you consent to the data practices described in this policy.

1. Information We Collect

We collect both personal and non-personal information:

1.1. Personal Information

When you register or interact with our services, we may collect:

Full Name
Email Address
Phone Number
Mailing Address
Business Name (if applicable)
Payment Information
SMS opt-in preferences
User credentials and account settings

1.2. Non-Personal Information

This includes:

Browser type and version
Device type
IP address
Pages visited
Time spent on our site
Cookies and tracking technologies

2. How We Use Your Information

We may use your information to:

Create and manage your account
Process payments
Provide customer support
Send transactional and promotional messages (via email/SMS)
Comply with regulatory obligations (e.g., A2P 10DLC)
Improve website performance and user experience
Prevent fraud and unauthorized access
Enforce terms and conditions

3. SMS Communication & A2P 10DLC Compliance

In accordance with A2P 10DLC guidelines:

You will only receive SMS messages from us if you explicitly opt-in.
We clearly identify ourselves (Paymatrix.io) in all messages.
Message frequency will be disclosed at the point of opt-in.
You can opt out at any time by replying “STOP”.
Reply “HELP” for assistance.
Message and data rates may apply depending on your mobile carrier.

All SMS campaigns are registered through The Campaign Registry (TCR) to ensure transparency and compliance with U.S. mobile carriers.

4. Legal Basis for Processing Personal Data (GDPR Compliant)

If you are located in the EU or UK, our legal basis for collecting and using your personal data depends on the specific context:

Consent: When you opt-in to marketing or SMS services
Contract: When data is required to fulfill a service
Legal obligation: To comply with law enforcement or court orders
Legitimate interests: For security, fraud prevention, and business improvement

5. How We Share Your Information

We do not sell your personal data. We may share data with:

Payment processors (e.g., Stripe, PayPal)
SMS gateway providers (e.g., Twilio)
Cloud and hosting providers
Analytics services (e.g., Google Analytics)
Law enforcement or regulators when required

All partners and vendors are vetted for privacy compliance and sign data processing agreements.

6. Data Security

We implement strict administrative, technical, and physical security measures to protect your data:

SSL encryption
Two-factor authentication (2FA)
Data encryption at rest and in transit
Limited access to personal data by authorized personnel only

7. Data Retention

We retain your information for as long as necessary to:

Provide services to you
Meet legal and accounting obligations
Resolve disputes

You may request deletion of your data by contacting us at [email protected].

8. Your Rights

Depending on your location, you may have rights to:

Access the personal data we hold
Correct inaccurate or incomplete data
Request deletion of your data
Object to processing
Withdraw consent (e.g., for marketing or SMS)

Submit requests by emailing [email protected].

9. Cookies and Tracking Technologies

We use cookies and similar tools to:

Understand user behavior
Remember user preferences
Deliver targeted advertising

You may disable cookies via your browser settings, but this may affect functionality.

10. Children’s Privacy

Our services are not intended for children under 13. We do not knowingly collect information from minors. If we learn that a child has provided us with personal information, we will delete it immediately.

11. International Data Transfers

If you are located outside of the United States, your information may be transferred to, processed, and stored in the U.S. or other countries with different data protection laws. We ensure appropriate safeguards are in place for international transfers.

12. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their privacy practices. We encourage you to review their privacy policies before submitting any data.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically. If changes are significant, we will notify you via email or a prominent notice on our website. Continued use of our services after updates constitutes agreement to the revised terms.

14. Contact Us

If you have questions, concerns, or complaints regarding this policy, please contact us:

Paymatrix.io
Email: [email protected]
Phone: 1-888-531-6298
Mailing Address: 7990 SW 117th AVE STE 114 MIAMI FL 33183