Privacy Policy

1. Overview

ShopConnect is a payment connector that enables merchants to process payments through their chosen payment processor while using their existing business software. To provide this service, we need to access certain data from your browser when you are on supported business software platforms.

2. What We Collect

2.1 Account Information

When you create an account, we collect:

• Full name
• Email address (verified)
• Phone number
• Business name and address
• User role (merchant owner, manager, technician, ISO, agent, sub-agent)
• Referral/attribution code (if applicable)

2.2 Payment Processor Credentials

When you or your ISO/agent configure a payment processor, we collect:

• Processor API keys or authentication tokens
• Terminal identifiers (for card-present processors)
• Processor-specific configuration parameters

These credentials are encrypted at rest and are never exposed to the client-side application after initial entry. They are used solely to route payment requests to your configured processor.

2.3 Invoice Data (Read by the Extension)

When the extension is active on a supported business software platform, it reads:

• Invoice amounts and totals
• Invoice and estimate numbers
• Customer names associated with invoices
• Line item descriptions (where available)
• Due dates and payment status

2.4 Transaction Records

When a payment is processed through ShopConnect, we record:

• Transaction amount
• Timestamp
• Processor approval/authorization code
• Masked card identifier (last 4 digits only)
• Card brand (Visa, Mastercard, etc.)
• Entry method (chip, tap, keyed, etc.)
• Transaction status (approved, declined, voided, refunded)

2.5 Usage Data

We collect standard usage data including:

• Pages visited within the console
• Extension activation events (which platforms are used)
• Error logs and crash reports
• Browser type and version

We do not collect browsing history, keystrokes, or data from websites other than supported business software platforms.

3. Chrome Extension Data Practices

This section specifically addresses data practices of the ShopConnect Chrome extension, as required by Google's Chrome Web Store Developer Program Policies.

3.1 When the Extension Activates

The extension only activates on domains listed in its configuration — these are the websites of supported business software platforms. The extension does not activate on, read data from, or interact with any other websites, including search engines, social media, email, banking sites, or personal browsing.

3.2 What the Extension Reads

On supported platforms, the extension reads only financial document data (invoice amounts, numbers, and associated customer names) necessary to facilitate payment processing. It does not read:

• Passwords or login credentials for your business software
• Personal browsing history or cookies
• Data from browser tabs other than the active supported platform
• Clinical, medical, or health records (for healthcare software platforms)
• Full payment card numbers, CVVs, or card expiration dates

3.3 Where Extension Data Goes

3.4 Google Limited Use Compliance

Specifically:

• Data read from business software platforms is used solely to facilitate payment processing as described in this Privacy Policy.
• Data is not used for serving advertisements or personalized marketing.
• Data is not sold to third parties, data brokers, or information resellers.
• Data is not transferred to any third party except as necessary to provide the Service (i.e., your configured payment processor) or as required by law.

3.5 First-Run Consent

Upon first installation, the extension presents a data use disclosure within its interface. You must actively confirm this disclosure (via an explicit user action) before the extension begins reading financial data from business software platforms.

4. How We Use Your Data

We use collected data for the following purposes:

5. What We Do Not Do

We make the following commitments about your data:

• We do not sell your personal data to any third party, for any purpose, ever.
• We do not share your data with advertisers or use it for targeted advertising.
• We do not share your data with data brokers or information resellers.
• We do not store full credit card numbers. Card data flows directly from your browser or terminal to your payment processor's API and never touches our servers.
• We do not read your browsing history or monitor activity on non-supported websites.
• We do not use your data for profiling, scoring, or automated decision-making that produces legal effects.
• We do not store raw personally identifiable information in our analytics or observation systems.
• We do not engage in cross-site tracking for advertising or any other purpose.

5.1 Do Not Track Signals

ShopConnect does not currently respond to Do Not Track (DNT) signals from browsers, as no uniform standard for honoring DNT signals has been established. However, as stated above, we do not engage in cross-site tracking for advertising purposes regardless of your DNT setting.

6. Data Storage & Security

We implement the following security measures to protect your data:

• Encryption at rest — All payment processor credentials and sensitive data are encrypted at rest using industry-standard encryption.
• Encryption in transit — All communications between the extension, console, and our servers use TLS/HTTPS encryption.
• Access controls — Access to production data is restricted to authorized personnel on a need-to-know basis.
• Credential isolation — Payment processor API keys are never exposed to client-side code after initial entry.

While we implement commercially reasonable security measures, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your data.

7. Sub-Processors

We use third-party service providers ("sub-processors") to operate the Service. Each sub-processor is bound by data protection obligations no less protective than those in this Privacy Policy.

A current list of specific sub-processors and their locations is available upon request by contacting aashil@shopconnectpro.com.

We will notify you of any material changes to our sub-processor list that may affect the processing of your data.

8. Data Retention

Upon account termination, we delete or anonymize your data within the timeframes above, subject to our legal retention obligations.

9. Your Privacy Rights

Regardless of your location, we honor the following data rights for all users:

• Right to Know / Access — Request a summary of the personal data we hold about you.
• Right to Correction — Request correction of inaccurate personal data.
• Right to Deletion — Request deletion of your personal data, subject to legal retention requirements.
• Right to Data Portability — Request a machine-readable export of your transaction data.
• Right to Opt Out — We do not sell your data, but you may confirm this status at any time.

How to Exercise Your Rights

Submit requests to aashil@shopconnectpro.com with the subject line "Privacy Rights Request." We will:

• Verify your identity before processing any request.
• Respond to verified requests within thirty (30) days.
• Extend the response period by an additional 30 days if necessary, with notice to you.

We will not discriminate against you for exercising your privacy rights. You will not receive a different level of service or pricing for making a request.

10. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the following additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know — You may request the categories and specific pieces of personal information we have collected about you, the categories of sources, the business purposes for collection, and the categories of third parties with whom we share it.
• Right to Delete — You may request deletion of personal information we have collected, subject to legal exceptions.
• Right to Correct — You may request correction of inaccurate personal information.
• Right to Opt Out of Sale/Sharing — We do not sell or share (as defined by CCPA/CPRA) your personal information. No opt-out action is required.
• Right to Limit Use of Sensitive Personal Information — We use sensitive personal information (payment processor credentials) only as necessary to provide the Service.
• Right to Non-Discrimination — We will not deny, charge different prices, or provide a different quality of service because you exercised a CCPA right.

Categories of Personal Information Collected

In the preceding 12 months, we have collected the following categories of personal information as defined by the CCPA:

To make a CCPA request, contact aashil@shopconnectpro.com. You may also designate an authorized agent to make a request on your behalf.

11. Healthcare Data (HIPAA)

For merchants in healthcare verticals (medical, dental, chiropractic, veterinary, physical therapy, mental health, etc.):

• The ShopConnect extension reads only financial data (invoice amounts, numbers, and patient names for invoice identification purposes).
• ShopConnect does not read, store, or transmit protected health information (PHI), clinical records, diagnosis codes (ICD-10, CPT), treatment details, or medical histories.
• ShopConnect is not a HIPAA covered entity or business associate as defined by HIPAA regulations, as we do not create, receive, maintain, or transmit PHI.

Merchants in healthcare verticals remain responsible for their own HIPAA compliance obligations.

12. Children's Privacy

The Service is intended for use by businesses and their authorized adult employees. We do not knowingly collect personal information from children under the age of 13 (or 16 in applicable jurisdictions). If we become aware that we have collected personal information from a child, we will promptly delete that information.

13. International Data Transfers

Our servers and sub-processors are primarily located in the United States. If you access the Service from outside the United States, your data will be transferred to and processed in the United States. By using the Service, you consent to this transfer.

For users in the European Economic Area (EEA), United Kingdom, or other jurisdictions with data transfer restrictions, we rely on Standard Contractual Clauses or other appropriate safeguards as required by applicable law.

14. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will:

• Update the "Last updated" date at the top of this page.
• Notify you via email or an in-console notification for material changes.
• Provide at least 30 days' notice before material changes take effect.

Your continued use of the Service after the effective date of an updated Privacy Policy constitutes your acceptance of the changes.

15. Contact Us

If you have questions about this Privacy Policy, want to exercise your data rights, or have a privacy concern, contact us:

• Company: VPayment Solutions LLC
• Privacy Contact: aashil@shopconnectpro.com
• Subject Line: "Privacy Inquiry" or "Privacy Rights Request"
• Website: vpfinancialsolutions.com