Privacy Policy

This policy applies to three groups of people.

Customers are businesses that use Chargezoom to bill and collect payments. We also cover the individuals who use Chargezoom accounts on a business's behalf.

Payors are individuals or businesses who make a payment through a payment link or payment page hosted by Chargezoom on behalf of a Customer. The Customer receiving the payment is the “Payee.”

Visitors are anyone who browses our websites or uses features like Live Chat.

If you are a Payor, the Payee you are paying has its own privacy practices, which govern how the Payee uses your information. This policy governs how Chargezoom uses it.

Information you provide

Depending on how you interact with us, we may collect:

• your name, company name, mailing and billing address, email address, and phone number
• payment card or bank account information, provided to complete a payment
• invoice, order, and transaction details, such as amounts, line items, tax, and purchase order numbers
• communications with us, including Live Chat transcripts and support emails
• account registration details and credentials, for Customers

Payment processing data

When a Payor completes a payment through a Chargezoom-hosted payment page, we receive transaction data from the Payor and the Payee. This includes card details, billing information, the transaction amount, and invoice-level data.

Information collected automatically

When you use our websites or payment pages, we may automatically collect your IP address, browser type, device information, domain names, access times, referring website addresses, and similar technical data. We use this to operate and secure our services, prevent fraud, and understand how our services are used.

How enhancement works. Before a transaction is submitted to Visa, Mastercard, or another card network, Chargezoom enhances and standardizes the transaction data. For example, we may format or supplement invoice-level, tax, and line-item data. We do this to comply with card network data programs, including the Visa Commercial Enhanced Data Program (CEDP). We also do it to qualify transactions for appropriate processing treatment and to reduce fraud and risk.

Derivative data. As part of this process, Chargezoom creates and retains a derivative copy of the enhanced transaction data (“Derivative Data”). Derivative Data is maintained by Chargezoom and is not displayed to the Payee.

How we use Derivative Data. We use it to:

• process, validate, and submit transactions in compliance with card network rules
• detect, investigate, and prevent fraud, chargebacks, and other risk
• maintain records required by law, card network rules, or our banking and processing partners
• improve the accuracy and quality of our data enhancement services
• contact Payors who have opted in to communications, as described in Section 5

We do not sell Derivative Data. We do not share it with third parties for their own marketing purposes.

We use personal information to:

• operate our websites, payment pages, and services, and deliver the services you request
• process payments and transmit transaction data to payment networks, processors, and acquiring banks
• enhance and standardize payment data as described in Section 3
• authenticate users, secure accounts, and prevent fraud and unauthorized use
• provide customer support and respond to your inquiries
• send transactional communications, such as receipts, confirmations, and service alerts
• send Customers information about other Chargezoom products and services, subject to your right to opt out
• contact Payors who have opted in, as described in Section 5
• comply with legal obligations, card network rules, and requests from regulators or law enforcement
• analyze usage to maintain and improve our services

Terms of Service. To complete a payment through a Chargezoom-hosted payment page, Payors must agree to Chargezoom's Terms of Service. Agreeing to the Terms of Service is required to process the payment. It does not sign you up for marketing communications.

Optional opt-in. During checkout, Payors may choose to opt in to allow Chargezoom to contact them about payment processing. This opt-in is entirely optional. Declining it has no effect on your ability to complete your payment.

If you opt in, Chargezoom may use your contact information and Derivative Data to contact you regarding payment processing. Opting in does not mean you will necessarily be contacted.

Withdrawing consent. You may withdraw your opt-in at any time. You can click “unsubscribe” in any email, reply “STOP” to any text message, or contact us at support@chargezoom.com. Withdrawing consent does not affect transactional messages related to a payment you made.

We do not sell, rent, or lease personal information, including customer lists, Payor information, or Derivative Data. We do not share personal information with third parties for their own marketing purposes.

We disclose personal information only in the following circumstances.

Payment networks and processing partners. To process payments, we transmit transaction data, including enhanced data, to card networks such as Visa and Mastercard, payment processors, gateways, and acquiring and issuing banks.

The Payee. If you are a Payor, the Customer you are paying receives information about your payment. The Payee does not receive Derivative Data.

Service providers. We use vendors that perform services on our behalf, such as hosting, data storage, customer support, email delivery, analytics, and Live Chat. These vendors are contractually prohibited from using personal information except to provide services to Chargezoom, and they must keep it confidential and secure.

Legal and safety reasons. We may disclose information if required by law, or if we believe in good faith that disclosure is necessary to:

• comply with legal process, regulatory requests, or card network requirements
• protect and defend the rights, property, or safety of Chargezoom, our users, or the public
• detect, prevent, or address fraud or security issues

Business transfers. If Chargezoom is involved in a merger, acquisition, financing, or sale of all or part of its assets, personal information may be transferred as part of that transaction. It will remain subject to the commitments in this policy.

Cookies are small files placed on your device. They last either for your browsing session (session cookies) or until deleted (persistent cookies). We use cookies and similar technologies to:

• provide our services and enable features
• authenticate users and prevent fraudulent use of accounts
• remember whether you have accepted cookies
• compile data about website traffic and usage to improve our websites
• remember your preferences, such as login details or language
• show advertising more likely to interest you, including through third-party advertising partners

Cookies are not placed on payment pages for advertising purposes.

You can delete or block cookies through your browser settings, though some features may not work properly if you do.

Global Privacy Control. We honor Global Privacy Control (GPC) signals as a request to opt out of the sale or sharing of personal information for targeted advertising. We do not respond to “Do Not Track” signals, which have no common industry standard.

Marketing emails. You can opt out of promotional emails at any time. Use the unsubscribe link in any email or update the notification settings in your account.

Payor communications. See Section 5.

California residents. Under the California Consumer Privacy Act, as amended by the CPRA, you have the right to:

• know what personal information we collect, use, and disclose
• request access to or deletion of your personal information
• correct inaccurate personal information
• opt out of the sale or sharing of your personal information
• limit the use of sensitive personal information
• not be discriminated against for exercising these rights

To exercise these rights, email support@chargezoom.com with the subject line “Privacy Request.” We will verify your identity before responding. You may use an authorized agent to submit a request on your behalf.

Some information, such as transaction records required by card network rules, anti-money-laundering obligations, or tax law, may need to be retained even after a deletion request.

Residents of other states. Depending on where you live, you may have similar rights. Contact us using the information below, and we will honor requests as required by applicable law.

We retain personal information, including Derivative Data, for as long as needed to provide our services. We may also retain it as long as required by law, card network rules, or our banking and processing partners, or as long as needed to resolve disputes, prevent fraud, and enforce our agreements. When information is no longer needed, we delete or de-identify it.

We take reasonable administrative, technical, and physical measures to protect personal information, including:

• keeping automatically collected data and voluntarily provided data separate
• encrypting data stores that hold personal information
• encrypting data in transit using Transport Layer Security (TLS)
• restricting access to personal information to personnel who need it to perform their duties
• maintaining payment card data security in accordance with the Payment Card Industry Data Security Standard (PCI DSS)

No transmission over the internet or any wireless network can be guaranteed to be 100% secure. While we work to protect your information, we cannot guarantee its absolute security.

Your account can only be accessed with your unique password. Do not disclose your password to anyone.

Our services are intended for businesses and are not directed to children. Chargezoom does not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, contact us and we will delete it.

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by email to the address associated with your account, by a prominent notice on our site, or both. We will not use Derivative Data or Payor contact information in a materially different way than described here without first obtaining your consent. Otherwise, your continued use of our services after an update constitutes acceptance of the revised policy.

Questions, comments, or privacy requests can be sent to: