Privacy Policy

1. Scope

This Policy applies to PayFresco website pages, application pages, contact pages, CRM access pages, calculators, Telegram handoff links, email links, scheduling links, and other online PayFresco interactions that link to this Policy. It does not replace the privacy terms of third-party providers, including Telegram, calendar tools, hosting providers, CRM providers, payment processors, acquiring banks, card networks, underwriting partners, or other services that may process information under their own terms.

2. Information PayFresco Collects

PayFresco may collect the following categories of information, depending on how you interact with the site:

Some application information may be sensitive because it relates to identity, tax, banking, ownership, or regulated business categories. PayFresco requests this information only for business-intake, application-review, compliance, security, or support purposes.

3. Sources of Information

PayFresco may collect information directly from you, from your business representatives, from website forms, from document uploads, from Telegram messages, from scheduling tools, from email communications, from CRM access pages, from service providers, or from public business information such as your website.

4. How PayFresco Uses Information

PayFresco may use information to:

• respond to inquiries and route you to the right application, CRM, payment-option, or support path;
• prepare, review, and process merchant application materials;
• request, receive, organize, and evaluate application documents;
• coordinate follow-up through PayFresco, RetryHub-managed CRM workflows, email, Telegram, scheduling tools, or support systems;
• communicate about CRM access, payment options, underwriting questions, document gaps, support issues, and next steps;
• estimate merchant fit, platform needs, support needs, and operational requirements;
• protect the website, application flow, CRM workflow, users, and service providers from spam, abuse, fraud, unauthorized access, or security incidents;
• maintain business records, comply with legal obligations, respond to lawful requests, and enforce terms;
• improve website content, intake flows, support workflows, and merchant onboarding.

5. How PayFresco Shares Information

PayFresco may share information with the following categories of recipients when needed for the purposes described in this Policy:

• PayFresco team members, contractors, and operational support providers;
• RetryHub-managed intake, CRM, team-notification, and application workflow systems;
• payment processors, gateways, acquiring banks, underwriting partners, referral partners, CRM providers, compliance-support providers, or other partners involved in evaluating or supporting your request;
• hosting, security, analytics, file handling, communications, scheduling, email, and technical service providers;
• professional advisors, legal authorities, regulators, or other parties when PayFresco believes disclosure is required or appropriate for legal, safety, compliance, fraud-prevention, or rights-protection reasons;
• successors or counterparties in a business transaction such as a merger, sale, financing, reorganization, or transfer of business assets.

PayFresco does not sell visitor inquiry information. PayFresco also does not use sensitive merchant application information for cross-context behavioral advertising. If PayFresco's practices change in a way that creates new opt-out rights, PayFresco will update this Policy and provide a suitable request path.

6. Cookies, Analytics, and Similar Technologies

PayFresco may use basic technical tools to keep the website working, understand site performance, prevent abuse, remember user interface choices, measure traffic, and improve content. Browser settings may allow you to block or delete cookies. Blocking some technologies may affect website functionality, form behavior, chat behavior, or analytics accuracy.

7. Retention

PayFresco keeps information for as long as reasonably needed for the purposes described in this Policy, including application review, merchant support, CRM administration, document follow-up, legal compliance, security, dispute handling, audit needs, and business records. Retention periods may vary by information type, provider requirements, legal obligations, and whether an application is approved, declined, withdrawn, incomplete, or still under review.

8. Security

PayFresco uses administrative, technical, and organizational safeguards designed to protect information from unauthorized access, loss, misuse, or alteration. No website, email, chat channel, upload flow, or third-party service can be guaranteed completely secure. You should use the designated application and document workflows for requested documents and avoid sending unnecessary sensitive information through open chat or email.

9. Your Choices and Privacy Rights

Depending on where you live and which privacy laws apply, you may have rights to request access to personal information, correction of inaccurate information, deletion, a copy of information you provided, restriction or objection to certain processing, opt-out of sale or sharing, opt-out of certain targeted advertising, or limitation on the use of sensitive personal information.

PayFresco does not discriminate against users for exercising privacy rights. To make a request, use the Contact page and choose "Security or privacy concern" as the topic. PayFresco may need to verify your identity and authority before acting on a request, especially when a request involves business applications, owner data, identity documents, banking details, or CRM access records.

You may unsubscribe or ask PayFresco to stop non-essential marketing messages. PayFresco may still send transactional or application-related communications, such as document requests, CRM access notices, security messages, or responses to your inquiry.

10. State, International, and Cross-Border Notices

PayFresco is oriented toward United States business inquiries, but website visitors or merchant representatives may contact PayFresco from other locations. Information may be processed in the United States or other locations where PayFresco, its service providers, or relevant partners operate. Those locations may have data-protection laws that differ from the laws where you live.

If a privacy law gives you additional rights, PayFresco will handle verified requests in accordance with applicable law. If you are acting for a business, some consumer privacy rights may apply differently or may not apply to every business-contact or business-application record.

11. Children

PayFresco is not directed to children and does not knowingly collect personal information from children under 13. If you believe a child has provided information to PayFresco, contact PayFresco so the information can be reviewed and deleted where appropriate.

12. Third-Party Websites and Services

PayFresco pages may link to third-party services such as Telegram, scheduling tools, CRM access pages, RetryHub-hosted endpoints, payment providers, educational resources, or partner websites. Their privacy practices are governed by their own policies and terms. PayFresco is not responsible for third-party privacy or security practices.

13. Updates to This Policy

PayFresco may update this Privacy Policy as the website, application process, CRM workflow, payment-option coverage, technology, service providers, or legal requirements change. The effective date above shows when this Policy was last updated.

14. Contact

Privacy questions and requests can be sent through the Contact page. For application, document, or CRM access questions, use the same page to choose the fastest route.