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Legal

Privacy policy

Effective [EFFECTIVE DATE]

1. Who we are

[LEGAL ENTITY NAME, e.g. RiskVantage Consulting LLC] ("RiskVantage Consulting", "we", "us") is a payment consulting firm based in [STATE]. We help businesses find and keep merchant processing accounts. This policy explains what information we collect through riskvantageconsulting.com (the "Site"), how we use it, and the choices you have.

Questions about this policy: josh@riskvantageconsulting.com, Monday to Friday, 8am to 5pm ET.

2. Information we collect

Information you give us

  • Contact details: your name, business name, email address and phone number.
  • Business information: your industry, monthly processing volume, chargeback ratio, current or previous processor, and what you need help with.
  • Documents you send us: we do not accept identification or bank documents through the Site. When you send documents by email or through a processor's secure portal, we handle them as described in this policy.

Information collected automatically

  • Usage data: pages visited, time on site, referring page, browser and device type, and approximate location based on IP address.
  • Cookies and similar technologies: used to keep the Site working, remember preferences, and measure how the Site is used. See section 7.

Calculator results

The free tools on the Site run in your browser. We only receive their results if you choose to email them to yourself or save them to an account.

3. How we use information

  • To review your situation and respond to your request.
  • To match your business with payment processors and acquiring partners, and to prepare your application.
  • To provide statement audits, compliance reviews and ongoing account support you request.
  • To send you information you asked for, such as checklists or your calculator results.
  • To improve the Site and our services.
  • To meet legal, regulatory and security obligations.

4. How we share information

We do not sell your personal information. We share it only as follows:

  • Payment processors and acquiring partners: when you ask us to pursue a merchant account, we share the information needed for their review and underwriting. Their use of it is governed by their own privacy policies.
  • Service providers: companies that host the Site, deliver email and provide analytics for us, under obligations to protect the information. [List providers, e.g. Wix (hosting and forms), Google (analytics, email)]
  • Legal reasons: when required by law, to respond to legal process, or to protect the rights and safety of RiskVantage Consulting, our clients or others.
  • Business transfers: as part of a merger, acquisition or sale of assets, with notice to you where required.

5. How we are paid

Our consultation and statement audit are free to you. We are compensated by the payment processors we place clients with, typically as a share of processing revenue. This does not change the rates you are quoted by the processor.

[ATTORNEY TO CONFIRM wording, including any required agent or ISO disclosure.]

6. Data security and retention

We use reasonable administrative, technical and physical safeguards to protect information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. We keep information only as long as needed for the purposes above or as required by law, then delete or anonymize it. [Retention period, e.g. 3 years after last contact]

7. Cookies and analytics

We use cookies and similar technologies that are necessary for the Site to work, and analytics tools to understand how visitors use the Site. You can control cookies through your browser settings. Blocking some cookies may affect how the Site works. [Add cookie banner and list analytics or advertising tools once installed.]

8. Your choices and rights

  • Marketing emails: unsubscribe at any time with the link in any email.
  • Access, correction and deletion: ask us for a copy of your information, or ask us to correct or delete it, by emailing josh@riskvantageconsulting.com.
  • State privacy rights: residents of certain US states, such as California, may have additional rights. We will honor requests as required by applicable law. [Attorney to confirm applicable state laws]

9. International visitors

We work with businesses in the United States and internationally. Information you submit may be processed in the United States and in other countries where our service providers or processing partners operate, which may have different data protection laws.

10. Children

The Site is intended for businesses and is not directed to children under 18. We do not knowingly collect information from children.

11. Changes to this policy

We may update this policy. The effective date at the top shows when it was last changed. Significant changes will be highlighted on the Site.

12. Contact

[LEGAL ENTITY NAME] · [MAILING ADDRESS]
josh@riskvantageconsulting.com