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Privacy Policy

Novae Payments · White-label merchant processing partner landing site

NOVAE PAYMENTS

Privacy Policy

White-Label Merchant Processing Partner Landing Site

Novae, LLC, doing business as Novae Payments (“Company,” “we,” “us,” or “our”), respects your privacy. This Privacy Policy (“Policy”) describes how we collect, use, disclose, retain, and protect personal information through novaepayments.com and novaemoney.com/novae-payments and related pages, forms, and communications that link to this Policy (collectively, the “Site”).

This Policy applies to visitors, prospective merchants, merchant owners, officers, directors, beneficial owners, control persons, guarantors, authorized users, and business contacts who interact with the Site. It does not replace a separate privacy notice or policy provided by a processor, payment facilitator, acquiring or sponsor bank, gateway, financial institution, or other third party. Their notices govern their own privacy practices.

1. Our Role in the Merchant-Application Process

We operate the Site solely as a white-label referral and merchant-application intake partner. Our role is limited to receiving or facilitating the collection of application information and passing it to Lacore Enterprises LLC, PayFacto Inc, and/or Community Federal Savings Bank, Member FDIC, and providers they use for identity verification, underwriting, onboarding, transaction processing, equipment, software, compliance, fraud prevention, or account servicing (“Processing Providers”).

We do not make underwriting or approval decisions, establish reserves or transaction limits, process transactions, hold or settle merchant funds, determine funding timing, manage chargebacks, or independently provide bank or payment-processing services. Processing Providers receive application information from us or collect it directly and independently determine how they use it under their own agreements and privacy notices. Review every notice presented during the application and enrollment process.

2. Personal Information We Collect

“Personal information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with an individual or household. It does not include information excluded from applicable law, such as certain public, aggregated, or deidentified information.

Please provide only information requested through an appropriate field or secure channel. Do not submit full payment-card numbers, card verification values, passwords, private cryptographic keys, health information, or other unnecessary sensitive information through general Site forms.

3. How We Collect Information

We collect personal information:

• directly from you when you visit the Site, complete a form, begin or submit an application, communicate with us, or request products or support;

• automatically from devices and browsers through cookies, pixels, logs, analytics, security tools, and similar technologies;

• from your business, authorized representatives, owners, officers, directors, employees, or advisors;

• from Processing Providers, banks, gateways, equipment and software vendors, referral sources, identity and fraud-prevention providers, credit-reporting sources where authorized, and other service providers; and

• from public and commercial sources, including government registries, business websites, sanctions and watch lists, professional networks, and data providers.

4. How We Use Personal Information

Consistent with our limited referral and application-transmission role, we may use personal information to:

• respond to inquiries, explain available products, and communicate about the application process;

• receive, organize, transmit, track, and provide administrative support for merchant applications and requested documents;

• pass identity, ownership, bank, business, and application information to the applicable Processing Providers for their verification, underwriting, risk, fraud-prevention, compliance, and onboarding activities;

• provide, administer, improve, personalize, secure, and troubleshoot the Site and related services;

• manage our referral relationship, referral compensation, application status, communications, and limited administrative support;

• send transactional communications and, where permitted, marketing communications;

• measure Site performance, understand engagement, conduct analytics, and improve marketing and product strategy;

• protect our rights, systems, users, Processing Providers, and the public; prevent misuse; and enforce agreements; and

• complete a merger, financing, reorganization, bankruptcy, sale of assets, acquisition, or similar business transaction.

5. How We Disclose Personal Information

We disclose application information principally to the Processing Providers that evaluate and provide the requested services. We may disclose personal information to:

• processors, payment facilitators, acquiring and sponsor banks, card networks, gateways, ACH providers, equipment vendors, software and integration providers, and other Processing Providers;

• identity-verification, credit, fraud, sanctions-screening, compliance, underwriting, risk, data, and due-diligence providers, where lawful and appropriately authorized;

• hosting, cloud, security, analytics, communications, customer-relationship management, document, marketing, professional, and other service providers that perform functions for us;

• our personnel, affiliates, agents, and authorized referral-program partners only as reasonably necessary to transmit and support the application or administer the referral relationship;

• government agencies, regulators, law enforcement, courts, card networks, banks, auditors, and other parties when required by law or reasonably necessary to protect rights, prevent harm, investigate wrongdoing, or comply with legal and network obligations;

• transaction counterparties and advisors in connection with a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or part of the business; and

• other parties at your direction, with your consent, or as otherwise disclosed when information is collected.

6. Cookies, Analytics, and Advertising Technologies

The Site may use cookies, pixels, tags, local storage, log files, analytics, session-replay, fraud-prevention, and similar technologies. These technologies may collect device, browser, network, approximate location, interaction, referral, and Site-usage information. We use them to operate and secure the Site, remember preferences, understand performance, measure campaigns, and personalize or deliver advertising.

The Site currently uses or may use: [LIST ANALYTICS, ADVERTISING, CHAT, SESSION-REPLAY, CRM, AND COOKIE-CONSENT PROVIDERS]. These providers may process information under their own policies. You may manage nonessential technologies through your browser controls and industry opt-out mechanisms, browser controls, and applicable opt-out mechanisms. Blocking cookies may affect Site functionality.

7. Sale, Sharing, and Targeted Advertising

Option A: No sale or sharing: We do not sell personal information for money. We also do not share personal information for cross-context behavioral advertising or process it for targeted advertising as those terms are defined by applicable state privacy laws.

Option B: Advertising disclosure: We do not sell personal information for money. However, our use of certain advertising, analytics, or similar technologies may be considered a “sale,” “sharing,” or targeted advertising under some state privacy laws. Subject to applicable law, you may opt out through This email address is being protected from spambots. You need JavaScript enabled to view it. a recognized opt-out preference signal, or the request methods in Section 12.

We do not knowingly sell or share personal information of individuals under 16 years of age.

8. Marketing Communications

We may send marketing email where permitted by law. You may unsubscribe through the link in a marketing email or contact us at This email address is being protected from spambots. You need JavaScript enabled to view it. We may continue to send nonmarketing communications concerning an inquiry, application, account, security, legal notice, or existing business relationship.

Marketing calls and text messages are made only as permitted by applicable law and the consent presented at the point of collection. You may revoke consent by following the provided instructions, replying STOP to a text message, or contacting us. Consent to marketing is not a condition of obtaining services unless clearly disclosed and legally permitted.

9. Data Retention

Because our role is limited to referring applicants and transmitting applications, we retain application information only for as long as reasonably necessary to complete transmission, provide limited application support, administer the referral relationship, maintain required consent and business records, comply with legal, tax, accounting, audit, and contractual obligations, resolve disputes, and enforce agreements. Processing Providers retain the copies they receive under their own policies and legal obligations. Retention varies based on information type, application status, sensitivity, legal requirements, risk, and operational need.

[INSERT THE ACTUAL RETENTION SCHEDULE OR A LINK TO THE INTERNAL STANDARD, IF APPROPRIATE.] When information is no longer required, we may delete, destroy, deidentify, or aggregate it in accordance with applicable requirements and our procedures.

10. Data Security

We use administrative, technical, and physical safeguards designed to protect personal information based on its nature and the risks involved. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Use secure devices and networks, protect credentials, and submit sensitive documents only through approved secure channels. Contact Phone: (678) 750-3787 / Email: This email address is being protected from spambots. You need JavaScript enabled to view it. promptly if you suspect unauthorized access, fraud, or compromise.

11. Your Choices

Depending on your relationship and location, you may:

• decline to provide optional information, recognizing that required information may be necessary to respond, evaluate an application, or provide services;

• update application or contact information by contacting us or the applicable Processing Provider;

• unsubscribe from marketing email and revoke marketing call or text consent as described above;

• manage cookies through the Site’s cookie controls, browser settings, and available opt-out mechanisms; and

• exercise state privacy rights described in Section 12, where applicable.

12. U.S. State Privacy Rights

Depending on where you reside and whether an applicable state privacy law covers Company and the information, you may have rights to request access to or confirmation of processing; correction; deletion; portability; and information about categories of personal information, sources, purposes, and recipients. You may also have rights to opt out of sale, sharing, targeted advertising, or certain profiling; limit certain uses of sensitive personal information; withdraw consent; appeal a denied request; and be free from unlawful discrimination for exercising privacy rights.

These rights are subject to definitions, exceptions, exemptions, verification standards, and limitations in applicable law. For example, some laws exclude business-to-business information, employee information, deidentified information, publicly available information, or information governed by federal financial-privacy laws. Processing Providers may be responsible for requests concerning information they control.

How to Submit a Request

Submit a request using one of the following methods:

• Phone: (678) 750-3787

• Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

We will verify requests using information appropriate to the request and the sensitivity of the information. We may ask for additional information and may deny or limit a request where permitted by law. An authorized agent may submit a request where permitted, but we may require proof of authority and verification of your identity. If we deny an appealable request, our response will explain how to appeal.

California Notice at Collection

If California law applies, the categories of personal information collected are described in Section 2; the business or commercial purposes are described in Section 4; the categories of parties receiving information are described in Section 5; retention criteria are described in Section 9; and sale, sharing, and sensitive-information practices must be accurately stated in Sections 6 and 7. We do not use or disclose sensitive personal information for purposes requiring a right to limit unless this statement is revised before publication.

13. Consumer Reports and Credit Information

Where an application requires a consumer report, credit report, or similar information, the applicable Processing Provider will present or require the necessary authorization and disclosures. We do not independently order or use a consumer report to make an underwriting decision unless that practice is separately disclosed and lawfully authorized. Decisions to approve, condition, or deny merchant services are made by the applicable Processing Provider, not Company.

14. Children’s Privacy

The Site is intended for business users and is not directed to children under 13. We do not knowingly collect personal information from children under 13 through the Site. If you believe a child submitted personal information, contact us so we can review and take appropriate action.

15. Third-Party Sites and Services

The Site may link to or integrate with third-party websites, applications, portals, or services. This Policy does not govern third-party privacy practices. Review the privacy policies and terms of each Processing Provider and third party before providing information.

16. International Users

The Site is intended for businesses and individuals located in the United States. If you access the Site from outside the United States, your information may be transferred to, processed, and stored in the United States or other countries where privacy laws may differ. Do not use the Site from a jurisdiction where the Site is not offered or where such use is unlawful.

17. Changes to This Policy

We may update this Policy to reflect changes in our practices, technology, services, legal requirements, or Processing Providers. We will post the revised Policy and update the Effective Date. If required by law, we will provide additional notice or obtain consent before a material change applies.

18. Contact Us

Questions, concerns, and privacy requests may be directed to:

Novae LLC
Attn: Privacy

1506 Klondike Road Ste 403

Conyers, GA 30094

 
Phone: (678) 750-3787

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.