Privacy Policy

This Privacy Policy describes how NCC Payments, Inc. (collectively, “NCC Payments,” “NCC,” “we,” “us,” or “our”), collects, uses, discloses, and safeguards information when you visit our website (the “Site”), communicate with us, or use our services (collectively, the “Services”).

By accessing or using the Site or Services, you agree to the terms of this Privacy Policy. If you do not agree with this Privacy Policy, you should not use the Site or Services.

1. Information We Collect

We collect information in three main ways: (1) information you provide to us directly, (2) information collected automatically, and (3) information from third parties.

1.1 Information You Provide Directly

We may collect information that you voluntarily provide, including:

• Contact information — such as your name, business name, job title, email address, phone number, and mailing address.
• Account / onboarding information — if you engage us for services, we may collect information related to your business, operations, payment setup, risk profile, or other information needed to provide our Services.
• Communication content — including information you provide when you contact us via email, web forms, phone, or other channels.
• Marketing preferences — including your choices about receiving updates, newsletters, or promotional materials.

1.2 Information Collected Automatically

When you visit or use the Site, we may automatically collect certain information, including:

• Device and usage information — such as your IP address, browser type, operating system, referring/exit pages, pages viewed, clickstream data, and timestamps.
• Cookie and tracking information — we and our service providers may use cookies, pixels, scripts, and similar technologies to collect information about your interactions with the Site.

You can control certain cookie settings through your browser, but disabling cookies may affect Site functionality.

1.3 Information from Third Parties

We may receive information about you from third parties, such as:

• Service providers and business partners
• Payment processors, financial institutions, or vendors
• Publicly available sources (e.g., business registries, websites, and social media where you make information public)

We use this information to help verify identities, support risk and compliance assessments, improve our Services, and maintain accurate records.

2. How We Use Your Information

We may use the information we collect for the following purposes:

• To provide and operate the Services — including responding to inquiries, setting up or managing relationships, and delivering payment placement, onboarding, and related services.
• To communicate with you — including responding to your requests, sending transactional or administrative messages, and providing updates about our Services.
• To improve and develop the Site and Services — including analyzing usage, monitoring performance, and enhancing functionality and user experience.
• To support risk, compliance, and security — including fraud monitoring, due diligence, dispute handling, and compliance with legal and regulatory requirements.
• For marketing and business development — including sending you information about services, features, events, or content we believe may be relevant to you (subject to your choices and applicable law).
• To protect our rights and interests — including enforcing our Terms of Use, protecting against legal claims, and maintaining the security and integrity of our systems.

We may aggregate or de-identify information so it can no longer reasonably be associated with an identified or identifiable person, and use such information for any lawful purpose.

3. Cookies and Tracking Technologies

We and our service providers may use cookies, pixels, web beacons, and similar technologies to:

• Recognize your browser or device
• Remember your preferences and settings
• Analyze Site traffic and usage patterns
• Support security and fraud prevention
• Measure the effectiveness of content or campaigns

You can typically configure your browser to refuse cookies or alert you when cookies are being set. If you disable cookies, some features of the Site may not function properly.

4. How We Share Information

We do not sell your personal information. We may share information in the following situations:

4.1 Service Providers

We may share information with trusted third-party service providers who perform services on our behalf, such as:

• Hosting, IT, and infrastructure providers
• Analytics and measurement providers
• Customer relationship management and communication tools
• Professional advisors (e.g., legal, tax, compliance, accounting)

These parties are generally authorized to use your information only as necessary to provide services to us.

4.2 Business Partners and Third Parties

In connection with providing payment-related or consulting services, we may share information with:

• Financial institutions, banks, processors, gateways, and related partners
• Other third parties involved in servicing, underwriting, risk assessment, or dispute management

We share only what is reasonably necessary for the relevant purpose.

4.3 Legal, Compliance, and Protection

We may disclose information if we believe it is reasonably necessary to:

• Comply with applicable laws, regulations, legal processes, or governmental requests
• Enforce our agreements, including our Terms of Use
• Protect the rights, property, or safety of NCC Payments, our clients, partners, or the public
• Detect, prevent, or address fraud, security, or technical issues

4.4 Business Transfers

If we are involved in a merger, acquisition, reorganization, sale of assets, or similar transaction, your information may be transferred as part of that transaction, subject to reasonable confidentiality protections.

5. Data Retention

We retain personal information for as long as reasonably necessary to:

• Provide the Services
• Fulfill the purposes described in this Privacy Policy
• Comply with our legal, regulatory, and contractual obligations
• Resolve disputes and enforce our agreements

Retention periods may vary depending on the type of information and applicable requirements.

6. Data Security

We implement reasonable technical, administrative, and organizational safeguards designed to protect personal information from unauthorized access, use, loss, or disclosure.

However, no method of transmission over the internet or method of electronic storage is completely secure. We cannot guarantee absolute security of information transmitted to or from the Site, and you do so at your own risk.

7. Children’s Privacy

The Site and Services are intended for use by businesses and adults. We do not knowingly solicit or collect personal information from children under the age of 13 (or other age as defined by applicable law).

If we become aware that we have collected personal information from a child in violation of applicable law, we will take reasonable steps to delete such information. If you believe we may have any information from or about a child, please contact us using the details below.

8. Your Choices and Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, which may include:

• Access — to request a copy of the personal information we hold about you.
• Correction — to request correction of inaccurate or incomplete information.
• Deletion — to request deletion of your personal information, subject to legal or contractual retention requirements.
• Restriction or objection — to request that we limit certain processing or object to specific uses.
• Opt-out of marketing — you may opt out of receiving marketing communications by following the unsubscribe link in our emails or contacting us directly.

We will respond to requests in accordance with applicable laws. We may need to verify your identity before fulfilling your request.

If you are located in a jurisdiction with specific privacy rights (for example, certain U.S. states or other countries), additional rights may apply under those laws. You may contact us for more information.

9. Third-Party Websites and Services

The Site may contain links to third-party websites, services, or content. We are not responsible for the privacy practices, content, or security of such third parties. If you follow a link to any other website or service, you do so at your own risk and should review the applicable privacy policies.

10. International Transfers

Our business is based in the United States. If you access the Site or provide information from outside the United States, your information may be transferred to, stored, and processed in the United States or other jurisdictions that may not have the same data protection laws as your home jurisdiction.

By using the Site or Services, you acknowledge that your information may be transferred across borders in this manner.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we do, we will revise the “Last updated” date at the top of this page.

Your continued use of the Site or Services after any changes are posted constitutes your acceptance of the updated Privacy Policy. If you do not agree with the changes, you should discontinue use of the Site and Services.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, you may contact us at: