Karma Card Payments ("Karma Card Payments," "Company," "we," "our," or "us") respects your privacy and is committed to protecting the personal and business information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, apply for merchant services, or otherwise interact with our products and services.
By using our website or services, you consent to the practices described in this Privacy Policy.
1. Information We Collect
We may collect information directly from you, automatically through your use of our website, and from third-party sources.
Personal Information
Information you voluntarily provide may include:
- Name
- Email address
- Telephone number
- Business name
- Job title
- Mailing address
- Billing address
- Merchant account application information
- Government-issued identification (when required)
- Banking information
- Tax identification numbers
- Business ownership information
Business Information
When applying for merchant services, we may collect:
- Business formation documents
- Processing history
- Financial statements
- Bank account information
- Credit-related information
- Website and business operation details
Automatically Collected Information
When you visit our website, we may automatically collect:
- IP address
- Browser type
- Device information
- Operating system
- Pages viewed
- Referral sources
- Date and time of visits
- Website interaction data
2. How We Use Information
We use collected information to:
- Provide payment processing services
- Process merchant account applications
- Verify identity and business legitimacy
- Communicate with customers and prospects
- Respond to inquiries and support requests
- Improve our website and services
- Prevent fraud and unauthorized activity
- Conduct risk management reviews
- Comply with legal and regulatory obligations
- Send service-related updates and notifications
- Deliver marketing communications where permitted by law
3. Cookies and Tracking Technologies
Our website may use:
- Cookies
- Web beacons
- Analytics tools
- Session tracking technologies
These technologies help us:
- Improve website functionality
- Analyze visitor behavior
- Remember user preferences
- Measure marketing effectiveness
- Enhance user experience
You may disable cookies through your browser settings; however, some website functionality may be affected.
4. Information Sharing and Disclosure
We do not sell your personal information.
We may share information with:
Financial Institutions and Processing Partners
To provide merchant account and payment processing services, we may share information with:
- Acquiring banks
- Payment processors
- Payment gateways
- Card networks
- Underwriting partners
- Fraud prevention providers
Service Providers
We may share information with trusted vendors who assist us with:
- Website hosting
- Data storage
- Technical support
- Marketing services
- Customer relationship management
- Security monitoring
Legal and Regulatory Requirements
We may disclose information when required to:
- Comply with applicable laws
- Respond to subpoenas or court orders
- Protect our legal rights
- Investigate fraud or security incidents
- Meet regulatory obligations
5. SMS Communications
By providing your mobile phone number, you consent to receive calls and text messages related to:
- Merchant account applications
- Account servicing
- Customer support
- Appointment confirmations
- Service notifications
Message and data rates may apply.
You may opt out of marketing text messages at any time by replying STOP.
Consent to receive SMS messages is not a condition of purchasing services.
6. Email Communications
We may send:
- Application updates
- Service announcements
- Account notifications
- Educational content
- Marketing communications
You may unsubscribe from promotional emails by using the unsubscribe link included in our communications.
You may still receive transactional or account-related communications after opting out of marketing emails.
7. Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, disclosure, alteration, or destruction.
Security measures may include:
- Secure servers
- Encrypted data transmission
- Access controls
- Monitoring systems
- Industry-standard security practices
Despite our efforts, no internet transmission or storage system can be guaranteed to be 100% secure.
8. PCI Compliance
Karma Card Payments works with payment processing partners that adhere to applicable Payment Card Industry Data Security Standards (PCI DSS).
Merchants are responsible for maintaining PCI compliance requirements applicable to their businesses.
9. Data Retention
We retain personal and business information for as long as necessary to:
- Provide services
- Maintain business records
- Resolve disputes
- Enforce agreements
- Comply with legal obligations
Retention periods may vary based on regulatory and contractual requirements.
10. Your Privacy Rights
Depending on your state of residence, you may have rights regarding your personal information, including:
- Access to personal information
- Correction of inaccurate information
- Deletion of personal information
- Limitation of certain data uses
- Withdrawal of marketing consent
To exercise any privacy rights, please contact us using the information below.
11. Children's Privacy
Our website and services are not directed toward children under the age of 13.
We do not knowingly collect personal information from children. If we learn that such information has been collected, we will take reasonable steps to delete it.
12. Third-Party Websites
Our website may contain links to third-party websites or services.
We are not responsible for the privacy practices, content, or security of third-party websites. We encourage users to review the privacy policies of any third-party websites they visit.
13. California Privacy Rights
California residents may have additional privacy rights under applicable California privacy laws.
Eligible California residents may request information regarding:
- Categories of personal information collected
- Sources of collected information
- Business purposes for collection
- Categories of third parties receiving information
Requests may be submitted using the contact information provided below.
14. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, services, legal requirements, or business operations.
Updated versions will be posted on this page with a revised effective date.
Your continued use of our website or services after changes are posted constitutes acceptance of the updated Privacy Policy.
15. Contact Us
If you have questions regarding this Privacy Policy or our privacy practices, please contact us:
Karma Card Payments
Website: karmacardpayments.com
Email: contact@karmacardpayments.com
Phone: (747) 254-2676
WhatsApp: (747) 254-2676
By using our website and services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection and use of information as described herein.