In the course of serving our customers, JP Marlin Payments (“JPMP”) may collect certain nonpublic personal information relating to your business. We recognize that this information is sensitive and that its privacy should be protected and maintained. In this Privacy Policy, we explain what information we collect about you and why, the limited way we may share that information with affiliates and non- affiliated companies, and how we protect and maintain the privacy of that information.

Why we collect information and what type of information

JPMP collects nonpublic personal information from you only to the extent that you agree to provide it. That information includes information we get from you; information about transactions we process for you; and information from other sources like consumer reporting agencies, data resellers, and governmental authorities.

You provide some information directly to us through this website, like who you are, how we can contact you, what you sell, and how much you sell. You also provide information to us indirectly: by accessing this website, for example, you provide us with the IP address of the computer or device you use to connect with us. This information helps us to determine which of our services can be helpful to your business. We also ask for information that allows the money you earn from sales through JPMP to end up in the right bank account. We know this information is sensitive and private. But without this information, we will not be able to serve you.

We use this information only for limited purposes such as:

• Giving you information about our services, and other information you request;

• Processing transactions between you and your customers;

• Providing customer service and support;

• Assessing activity in your account for fraudulent activity; and

• Complying with federal, state and local laws (including credit reporting laws) and rules of VISA / MasterCard and other card brands.

We will communicate with you regarding these purposes and for others, including marketing. Users may “opt-out” of receiving some future communications from JPMP by following the instructions below.

Who We Share With and Why

In general, and except for the situations specifically described below, we do not share any information about you or your business with anyone without your express consent.

All financial companies need to share personal information to run their everyday business. We share some of your nonpublic personal information with non-affiliated companies for our everyday business purposes such as processing transactions and maintaining account(s), fraud monitoring, and in responding to court orders and legal investigations, or reporting to credit bureaus. We share such information as needed to process transactions between you and your customers as you and your customer request or authorize, including the authorization, settlement, billing, processing, clearing, transferring, reconciling or collection of amounts charged, debited, or otherwise paid using a debit, credit, or other payment card, check, or account number, or by other payment means. The affiliates and non-affiliated third parties with whom we share nonpublic personal information include non-affiliated financial institutions and service providers directly involved in the transactions we process for you, including banks, the card brands, the automated clearing house, and payment gateways, as well as non-affiliated non-financial companies such as security companies and direct marketers.

Information about you or your business may also be shared in connection with any sale or transfer of all or substantially all of JPMP’ assets or business. In all such situations, we stress the confidential nature of the information being shared.

What we do with former customer information

We are required by federal, state and local laws (including credit reporting laws) and rules of VISA / MasterCard and other card brands to retain information in our files for former customers. We treat the personal information of former customers the same way we treat such information for active customers.

How We Protect the Privacy of Current, Potential and Former Customer Information

Our website has industry standard security measures in place to protect against the unauthorized access to, and loss, misuse, and alteration of the nonpublic personal information and merchant account data we collect and acquire once you become a customer of JPMP (including sales and transaction information). This current, potential and former customer information is maintained on JPMP’ internal secure network that can be accessed and reviewed only by utilizing a unique user-ID and password. While there is no such thing as “perfect security” on the Internet, we will take all reasonable steps to insure the security of that information. However, we cannot guarantee the security of information provided over the Internet, and we will not be responsible for breaches of security beyond our reasonable control.

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Changes to this Privacy Policy

The CCPA aspects of this Privacy Policy were adopted effective January 1, 2020. We reserve the right to update or modify this Privacy Policy, at any time and without prior notice, by posting the revised version of the Privacy Policy on our website. If we modify this Privacy Policy, the modifications will only apply to the information we collect after we have posted the revised Privacy Policy.

How to Contact Us or Opt-Out of Receiving Certain Communications

You may change or modify information about you or your business that you previously provided by emailing your request to info@jpmarlinpayments.com or calling us at (855) 457-7747. 

Privacy Policy for California Residents Who Are Natural Persons

Under the California Consumer Protection Act (“CCPA”), California residents who are natural persons have the following rights:

1. The right to request that we identify the categories of the requesting consumer’s personal information we have collected, the source of that information, our use of that information and, if the information was disclosed or sold to third parties, the categories of personal information disclosed or sold to third parties and the categories of third parties to whom such information was disclosed or sold;

2. The right to request a copy of the specific personal information collected about the requesting consumer during the 12 months before their request;

3. The right to request that such information be deleted (subject to certain exceptions);

4. The right to request that the requesting consumer’s personal information not be sold to third parties; and

5. The right of a requesting consumer not to be discriminated against for exercising any of the rights listed above.

Categories of Personal Information We Collect

The CCPA identifies numerous categories of “personal information” including: Identifiers (including without limitation names, addresses, telephone and fax numbers, email addresses, other contact information, and government-issued identification numbers), Customer Records protected against security breaches (including without limitation the identifiers mentioned above and bank, credit and other financial account numbers, social security number, user names and passwords, and health/medical information), Protected Classification information (like race, gender, ethnicity, etc.), Commercial information, Internet/electronic activity, Geolocation, Audio/video data, Professional / Employment related information, Education information, Biometrics, and Inferences from the foregoing.

Business Purposes for Which We Collect Personal Information

The CCPA defines a “business purpose” as the use of personal information for the business’s or a service provider’s operational purposes, or other notified purposes, provided that the use of personal information shall be reasonably necessary and proportionate to achieve the operational purpose for which the personal information was collected or processed or for another operational purpose that is compatible with the context in which the personal information was collected. The following activities are considered “business purposes” under the CCPA: Auditing related to a current interaction with the consumer and concurrent transactions, and auditing compliance with laws and other standards (“Auditing”) (this will also include the underwriting and due diligence we perform before we enter into any agreement with a customer); Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity (“Detection”); Performing services on behalf of the business, including maintaining or servicing accounts, providing customer service, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business (“Performance”); Debugging to identify and repair errors that impair existing intended functionality (“Repairs”); Internal research for technological development and demonstration (“Research”); and Verifying or maintaining the quality or safety of, and improving, upgrading, or enhancing, a service or device that is owned, manufactured by, manufactured for, or controlled by the company (“Maintenance”).

Categories of Third Parties to Which Personal Information May be Disclosed

The types of entities to which information can be disclosed under the CCPA do not collect personal information directly from consumers, and include without limitation advertising networks (“Ad Networks”), internet service providers (“ISP”), data analytics providers (“Analytics Providers”), government entities (“Government”), operating systems and platforms (“Platforms”), social networks (“Social Networks”), and consumer data resellers (“Resellers”).