Last Updated: March 24, 2025.
This Privacy Policy (“Policy”) explains how information about you is collected, used and disclosed by epay3, Inc. d/b/a ePayPolicy (“ePayPolicy,” “we,” “us,” and “our”) when you access or use our website (https://epaypolicy.com), sub-domains, and through our associated application programming interfaces (“APIs”) (collectively, the “Services”). By accessing the website or using the Services, you agree to our collection, use and disclosure of your information as outlined in this Privacy Policy. Depending on the nature of the relationship with you, the data we collect and how we use or share it may differ. Not all data is collected or shared in the same way, and we are committed to handling your information in accordance with the specific purposes for which it was provided, as outlined in this Policy.
Information We Collect and How We Collect It
Information You Provide
- Identity Data, such as your name, date of birth, social security number (or equivalent), photos of your face, government-issued ID, and other ID numbers.
- Contact Data, such as your email, telephone number, and physical address.
- Profile Data, such as your username, password, preferences, interests, feedback, comments (e.g., on social media), event participation history, contest entries, survey responses, and how you use our Services.
- Financial Information, such as your bank accounts, payment card details, payment history, and other information needed to process transactions or assess your financial status.
- Taxpayer Information, such as tax ID numbers and tax filing details.
- Contacts Information, such as the name, email, phone number, or other details you provide about a recipient when making a payment or that a sender provides to facilitate your receipt of a payment.
- Publicly Shared Information, such as the information you disclose in ePayPolicy chat rooms, forums, or bulletin boards is publicly accessible.
Information We Collect Automatically or Generate
- Usage Information, such as the pages on our website you visit, features you use, interactions with our platform, and how often you use our Services.
- Transaction Information, such as payment amounts, dates, transaction IDs, merchants, and details of products or Services purchased.
- Location Data, such as GPS coordinates, IP-based location, and other location signals based on your device settings and permissions.
- Technical Data, such as device type, operating system, browser type, IP address, and other technical details.
- Communication Information, audio, electronic or visual information, such as call recordings and call/chat transcripts, screen sharing views, emails, feedback and survey responses.
- Information Collected Through Tracking Technologies, such as cookies, pixel tags, and similar technologies that gather data about your browning behavior, interactions with our platforms, and preferences to enhance your experience and improve our Services.
- Cookies: Cookies are small text files stored on your device that help us recognize you, remember your preferences, and improve site functionality and performance. For example, cookies allow you to stay logged in to your account and help us understand which pages of our website are most popular.
- Pixels or web beacons: Also known as pixel tags or clear GIFs, these are small, invisible images embedded in web pages or emails that track interactions, such as when an email is opened or a webpage is visited, helping us measure engagement and effectiveness.
- Analytics, ePayPolicy uses third-party analytics tools, such as Google Analytics, to help analyze website traffic and improve the performance of its services. These Services may use cookies and other tracking technologies to perform their functions. Google Analytics collects data about site usage, including the pages you visit before, after, and while using ePayPolicy’s Services. You can review “How Google uses information from sites or apps that use our services” available at https://policies.google.com/technologies/partner-sites?hl=en-US for information about how Google processes the information it collects.
Information We Collect From Other Sources
- Financial Institutions, such as banks or payment processors, to facilitate transactions and verify account details.
- Identity Verification Services, to confirm your identity and comply with legal requirements.
- Public Databases and Publicly Available Data, including government records and online sources used for verification.
- Marketing Partners, such as advertisers or referral programs that provide insights about potential customers.
- Vendors and Business Partners, that assist in providing our Services, including analytics, customer support, and operational functions.
- Connected Services and Account Linking, if you choose to link your account with third-party services, we may receive information from those providers.
- Referrals, if you are referred to us by a third-party, such as a referral partner, we may receive information about you from them to facilitate the referral process.
ePayPolicy not collect any biometric data, such as facial recognition data, fingerprints, or other biological information used for identification.
How We Use Your Information
Providing, Improving, and Developing our Services
- Ensure the effective operation, enhancement, and continuous improvement of our Services
- Innovate and introduce new products, features, and services based on user needs and feedback
- Assess service availability and compliance in your specific location
Manage and restrict transactions in accordance with applicable laws and legal agreements - Facilitate secure payment processing for the Services you request
- Analyze trends and create aggregate data to refine our offerings
- Tailor personalized advertising and content based on your preferences, usage patterns, and behavior
- Administer the website and monitor how visitors navigate around our website
- To assess the effectiveness of marketing campaigns and improve future promotional efforts
Communicate with You
- Respond to your inquiries and requests by addressing any questions, concerns, or service-related issues you submit
- Send transactional or relationship-based information to provide updates on your transactions, account activity, and other operational interactions
- Engage in marketing communications to inform you about our products, Services, features, and promotions that may interest you
- Request feedback through surveys to gather your opinions and improve our Services based on your input
- Inform you of partner offerings by sharing relevant details about partners’ products, Services or promotions
- Provide newsletters, reports, and announcements to keep you updated with periodic insights and important company news
- Invite you to participate in beta testing or provide feedback on new products, Services, or features to help refine and improve our offerings
Compliance with Laws
- Establish and maintain your account to ensure it aligns with regulatory and legal requirements, enabling us to provide the Services you’ve requested
- Comply with applicable laws, regulations, and other legal obligations, ensuring we meet necessary industry standards and legal requirements
- Maintain security and protect against unauthorized access, fraud, and other threats to ensure the integrity and confidentiality of your information
- Exercise our rights and remedies in defense of legal claims to protect ePayPolicy and its interests, including responding to disputes and legal actions
- Respond to legal processes, subpoenas and court orders to comply with lawful requests
- Respond to demands from creditors who may have a legal right to request the holding of accounts or the transfer of funds, in compliance with applicable legal requirements
Analyzing Usage Trends
To improve our Services and understand how users interact with our platform, we may analyze anonymized and aggregated data. This includes:
- De-identified Transaction Data: We remove personally identifiable information from transaction data and use this de-identified data to analyze trends, such as popular payment methods or average transaction values.
- Aggregated Website Usage Data: We combine non-identifiable information about website usage, such as page visits and clicks, to understand overall user behavior and improve our website design and functionality.
This analysis is performed in a way that does not identify any individual users. We are committed to protecting your privacy and ensuring that your personal information is handled responsibly.
Other Uses
- Any lawful purpose for which we obtain your consent
- Facilitate promotions, contests, and sweepstakes, ensuring compliance with the terms and conditions of such activities
- Assess and explore new business opportunities, including potential partnerships, investments, or other corporate transactions
- Use your information in connection with mergers, acquisitions, or business transfers, including due diligence and negotiations
When and With Whom We Share Your Information
ePayPolicy Affiliates and Subsidiaries: To optimize our service offerings and enhance your user experience, we may share your information with our affiliates and subsidiaries.
Advertising Partners: We work with third-party advertising partners to deliver personalized ads. These partners use tracking technologies to collect data about your interactions with our ads, helping us measure ad performance and show you more relevant ads on other platforms. We may share non-personally identifying information with these partners. Some of our advertising partners include LinkedIn, Facebook and Instagram Analytics, Reddit Conversion Tracking, Bing Universal Event Tracking, and Pardot.
Business Partners: These are third-parties we collaborate with to enhance, promote, or expand our Services. This includes referral partners, who refer new customers to us and may receive commissions based on these relationships, as well as integrated partners, with whom we collaborate to provide integrated solutions or Services. We may share your information with these partners to facilitate referrals, improve service delivery, or support joint business initiatives.
Service Providers: We engage various service providers to assist in the delivery, maintenance, and improvement of our Services. These providers are granted access to your information solely for the purpose of performing specific tasks on our behalf, and are contractually obligated to protect your information in accordance with industry standards and applicable laws. This includes, but is not limited to, banks, payments processors, fraud prevention services, auditors, consultants, and other professionals, who assist with tasks such as fraud prevention, identity verification, payment processing, and fee collection.
Merchants: If you are a client (e.g., a payor of an agency), this means we share your information with the merchants that you order services from using our Services (e.g., agency).
Others with Your Consent: We may share your information with other third-parties when we have obtained your explicit consent to do so.
Legal Process and Government Agencies: ePayPolicy may disclose your information when we believe it is reasonably necessary to comply with applicable laws, regulations, legal process, or governmental request. This includes responding to valid legal requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities.
Corporate Transactions: In the event of a merger, acquisition, financing due diligence, reorganization, bankruptcy, or sale of company assets, your information may be transferred as part of such a transaction. We will take commercially reasonable steps to ensure that your information is protected during any such transfer.
Your Privacy Choices
We want to empower you to make informed decisions about your privacy. Here’s how you can manage your communication preferences with us:
Email: We want to keep you in the loop about exciting new features, exclusive promotions, and company news. When you create an account with us, you’re automatically subscribed to our marketing emails. Don’t worry, if you decide you’d rather not receive these updates, you can easily unsubscribe with a single click on the “unsubscribe” link found in every marketing email. We respect your inbox and make it simple to manage your preferences. We may still send you service-related or other non-promotional communications, such as account notifications, receipts, security notices and other transactional or relationship messages (e.g., answering your questions).
Text: We may use text messages to provide support, respond to requests, and deliver important updates about your account. You can always stop receiving texts from us by replying “STOP” to any message.
“Do No Track”: We do not respond to “Do Not Track” signals sent by your browser. However, you can adjust our browser settings to block certain types of tracking or to manage cookies.
Cookies and Internet-Based Advertising: We use cookies and other tracking technologies to improve your experience and personalize content. You can control the use of these technologies through your browser settings. Please note that blocking all tracking technologies may affect the functionality of our website.
In addition to the general privacy choices outlined above, you may have specific rights regarding your personal information depending on your state of residence. Please see below for disclosures specific to Texas and California residents.
How We Protect Personal Information
To ensure the security of your information, we employ a combination of administrative, physical, and technical safeguards designed to protect data from unauthorized access and ensure compliance with applicable privacy laws. These measures include physical, electronic, and procedural safeguards to prevent the loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction of information. Access to data is limited via controls to personnel with a legitimate business reason, preventing unlawful access, use, or disclosure. We require our third-party service providers to maintain appropriate safeguards for your personal information. Additionally, we regularly assess and upgrade our security systems with new technology to ensure your data is safe. While we strive to protect your personal information, it is important to remember that a 100% secure environment cannot be guaranteed. If you become aware of any security or privacy breach involving your data, please notify us. To the maximum extent permitted by law, we are not responsible for unauthorized disclosures.
Storage, Processing, and International Data Transfers
We store and process your information in the United States and other countries where we or our service providers operate. Due to our partnerships and business operations, your data may be transferred to, stored, or processed in jurisdictions outside of the United States, including countries that may not offer the same level of data protection as your home country.
When we transfer personal data internationally, we take steps to ensure appropriate safeguards are in place, such as contractual protections or other legal mechanisms, to protect information in accordance with applicable laws. By using our Services, you acknowledge and agree that your data may be transferred and processed in countries outside your own.
Children
Our Services are not intended for individuals under the age of 18. We do not knowingly collect, use, or solicit personal information from anyone under the age of 18. If we learn that we have collected personal information from an individual under 18, we will delete it as required by law. If you reasonably believe an individual under the age of 18 has provided us with their information, please contact us.
Links to Other Sites
The ePayPolicy website may contain links to other websites operated by third parties (“Third-Party Websites”). These links are provided for your convenience only. We do not own, control, or endorse any Third-Party Websites, and we are not responsible for their content, privacy practices, or security measures.
We encourage you to review the privacy policies of any Third-Party Websites you visit before providing any personal information. Accessing any Third-Party Website is at your own risk, and ePayPolicy disclaims all liability arising from your use of any such websites.
Notice to California Consumers
If you are a resident of California, you have specific rights regarding your “Personal Information” under the California Consumer Privacy Act of 2018 (“CCPA”), and its implementing regulations, as amended by the California Privacy Act (“CPRA”). Personal Information refers to information that identifies, relates to, describes, or can be associated with an individual consumer or household. This section explains those rights and how to exercise them. To the extent that we collect Personal Information that is subject to the CCPA, that information, our practices, and your rights are described below:
Right to Know: You have the right to request information about the personal data we collect about you, including the categories of information, the sources from which we collect it, the purposes for which it is used, and whether it has been shared with third parties.
Right to Delete: You have the right to request the deletion of your personal data that we have collected, subject to certain exceptions (such as where we need to retain your data for legal or operational reasons).
Right of Correction: You have the right to correct the personal information we have collected about you (subject to exceptions the law provides).
Right to Opt-Out: If we sell your personal information (as defined by the CCPA), you have the right to opt out of such sales. We do not currently sell personal information, but we will update this section if this changes in the future.
Right to Non-Discrimination: You have the right to exercise your rights under the CCPA without fear of discrimination. We will not discriminate against you for exercising your privacy rights, such as denying you services or charging you different prices.
Data Portability: You have the right to receive the Personal Information you have previously provided to us.
Financial Incentives: We may offer opportunities to participate in various incentive, referral, promotional programs, and other similar initiatives (collectively, “Programs”) with rewards (e.g., discounts, gift cards, vouchers, and other valuable offers) that may be considered “financial incentives” under the CCPA/CPRA. Some of the information we might collect may include but is not limited to, your name, email, and address. We collect data like identifiers and online activity to run these Programs and improve our Services When you sign-up for the Programs, you opt-in to receive such financial incentives. We are providing you with this information so that you can make an informed decision about participation. By choosing to participate in our Programs, you acknowledge and accept that the benefits provided are a fair exchange for the personal data we gather and retain.
Request to Limit Use or Disclosure of Sensitive Personal Information: You have the right to request that we limit the use and disclosure of your sensitive personal information to that which is necessary to perform the Services or provide the goods reasonably expected by an average consumer
Automated Decision Making: We do not currently use automated decision-making technologies, such as algorithms or artificial intelligence, to make decisions that could have a significant impact on you (e.g., denying you credit or employment).
Exercising Your Rights: To exercise any of the rights described above, please contact us at privacy@epaypolicy.com. We may need to verify your identity before processing your request. Please note that some requests may be subject to certain exceptions under applicable law.
Authorized Agent: If you wish to have an authorized agent exercise your rights on your behalf, you must provide written authorization and ensure the agent can verify your identity.
Shine the Light Law: California’s “Shine the Light” law gives you the right to request information about how we share your personal information with third-parties for their direct marketing purposes. To request such information, please contact us.
Exceptions to These Rights: California law provides for certain exceptions to the rights described above. We reserve the right to avail ourselves of these exceptions where applicable.
Notice to Texas Consumers
In accordance with Texas law, we recognize the importance of protecting sensitive personal data, including information such as social security numbers, driver’s license numbers, financial account numbers, and other sensitive data categories. As a consumer in Texas, you have specific rights under the Texas Data Privacy and Security Act (“TDPSA”) regarding the collection and processing of this sensitive information. We are committed to ensuring that your sensitive personal data is handled securely and in compliance with Texas law. If you are a Texas resident, you have the right to request access to the sensitive data we have collected, request the deletion of such data, request the correction of inaccurate sensitive data, or opt out of the processing of your sensitive data. We will not collect or disclose sensitive data without your explicit consent. We do not “sell” personal data as defined by the TDPSA, which defines “sale” as “the sharing, disclosing, or transferring of personal data to a third party for monetary or other valuable consideration.” To exercise any of these rights please contact us.
Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or other operational needs. When we make updates, we will revise the “Last Updated” date at the top of this policy and post the updated version to our website. Your continued use of our Services after the updated policy takes effect means you accept the changes. If you do not agree, you should stop using our Services.
Contact Us
Please contact our privacy team with any questions or concerns regarding this Privacy Policy at:
Privacy Team
ePayPolicy
5000 Plaza on the Lake, Suite 200
Austin, TX 78746