Privacy Policy

1. Introduction

Paymentron ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our invoice recovery platform and services (the "Service"). Please read this Privacy Policy carefully. By accessing or using our Service, you agree to be bound by this Privacy Policy.

2. Information We Collect

2.1 Information You Provide

We collect information that you provide directly to us, including:

• Account information (name, email address, company name)
• Billing and payment information (processed securely through Stripe)
• Accounting system credentials and connection data (QuickBooks, Xero)
• Customer and invoice data imported from your accounting system
• Communication preferences and settings
• Support requests and correspondence

2.2 Automatically Collected Information

When you use our Service, we automatically collect certain information, including:

• Usage data (pages visited, features used, time spent)
• Device information (IP address, browser type, operating system)
• Log data (access times, error logs, performance metrics)
• Cookies and similar tracking technologies

2.3 Information from Third Parties

We receive information from third-party services you connect to our platform, including:

• QuickBooks Online (invoices, customers, payment data)
• Xero (invoices, contacts, payment data)
• Stripe (payment processing, transaction data)
• Authentication providers (user account information)

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our Service
• Process payments and calculate recovery fees
• Send automated collection communications (emails, SMS) on your behalf
• Sync data with your accounting systems
• Send you service-related notifications and updates
• Respond to your inquiries and provide customer support
• Detect, prevent, and address technical issues and security threats
• Comply with legal obligations and enforce our Terms of Service
• Analyze usage patterns to improve user experience

4. Information Sharing and Disclosure

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

4.1 Service Providers

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

• Stripe: Payment processing and transaction handling
• SendGrid: Email delivery services
• Twilio: SMS delivery services
• QuickBooks/Xero: Accounting data synchronization
• Hosting providers: Cloud infrastructure and data storage

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.2 Legal Requirements

We may disclose your information if required by law, court order, or governmental authority, or if we believe disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or comply with a legal process.

4.3 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

5. Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption in transit (TLS/SSL) and at rest
• Secure authentication and access controls
• Regular security audits and vulnerability assessments
• Limited access to personal information on a need-to-know basis
• Secure data centers with physical and digital safeguards

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

6. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data to another service
• Opt-out: Unsubscribe from marketing communications (service communications may still be sent)
• Account Deletion: Delete your account and associated data

To exercise these rights, please contact us at the information provided in the "Contact Us" section below.

7. Data Retention

We retain your personal information for as long as necessary to provide our Service, comply with legal obligations, resolve disputes, and enforce our agreements. When you delete your account, we will delete or anonymize your personal information within a reasonable timeframe, except where we are required to retain it for legal, regulatory, or accounting purposes.

8. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately, and we will take steps to delete such information.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your country. By using our Service, you consent to the transfer of your information to these countries. We take appropriate safeguards to ensure your information receives adequate protection.

10. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect, use, and disclose
• The right to delete your personal information
• The right to opt-out of the sale of personal information (we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

To exercise your California privacy rights, please contact us using the information provided below.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: