Privacy Policy

This Privacy Policy describes how Messiahic, Inc. d/b/a PayJunction (hereinafter “PayJunction”, “we”, “our”, and “us”) uses the data we collect. PayJunction provides payment processing products and services to businesses. This Privacy Policy applies to our website visitors, prospective referral partners, authorized referral partners, prospective merchants, authorized merchants who use our services, and customers who directly or indirectly use our services by transacting with our authorized merchants (hereinafter “you” and “your”).

Please read this Privacy Policy carefully.

By using our payment processing products and services, or accessing, browsing, or using our websites (hereinafter collectively “Services”), you confirm that you have read, understood, and agree to the terms of this Privacy Policy.

Published Date: 6/11/2021                Effective Date: 7/11/2021

 

Table of Contents

Who Is the “You” From Whom We Collect Data?

We obtain data about you from various sources to provide our Services.

The type of data collected about you depends on how you are associated with PayJunction, and how you interact with our Services.

The categories of “you” interacting with PayJunction are:

  • Merchant - A Merchant is a business or entity that sells various products and services into the marketplace and uses our Services to process payments.
  • Merchant’s Customer - A Merchant’s Customer is an individual or entity that purchases goods or services as a consumer of a Merchant, and directly or indirectly uses our Services to provide the Merchant with payment.
  • Referral Partner - A Referral Partner is an individual, business, or entity who enters a business relationship with PayJunction for the purpose of referring potential Merchants to PayJunction.
  • Visitor - A Visitor is an individual who voluntarily interacts with PayJunction, but who is not necessarily a Merchant, Merchant’s Customer, or Referral Partner; for example, a visitor to the PayJunction website, or an employment applicant responding to a job posting.

We do not knowingly collect data from people who are unauthorized to use our Services including children under the age of sixteen (16). Please contact us if you believe we have mistakenly collected data from someone ineligible to use our Services. Unless we are legally required to keep it, we will remove the data in question.

How Do We Collect Your Data?

You may directly provide us with the data we collect when you use our Services.

We may also receive data about you from a third party. For example, we may collect information about a

  • Merchant’s Customer (as received from a Merchant or Referral Partner)
  • Merchant (as received from a Referral Partner or Merchant’s Customer)

We may also collect information about you from other various third party sources including but not limited to

  • background check, credit check, risk, and fraud screening service providers
  • banks, card networks, and other payment processing service providers
  • content, computing, and system delivery service providers
  • marketing, tracking, and lead service providers
  • Merchants, Merchant Customer’s, and Referral Partners

We collect, process, transmit, and sometimes store data when you

  • use our Services
  • transact, make a payment, or purchase from a Merchant
  • request information about our products and Services
  • register, purchase, or apply for any of our products and Services
  • apply, register, or contract to become a Referral Partner
  • voluntarily complete a survey, leave a comment, or provide feedback on any of our sites
  • participate in promotions, contests, or other seller marketing forms
  • communicate with us via phone, fax, email, or support ticketing systems
  • interact with our marketing ads, lead tracking, or relationship management systems
  • access, browse, or use our website (in conjunction with your browser’s cookies)

What Data Do We Collect?

For business purposes and based on our legitimate interests, we collect various types of data as outlined in this section.

Please note, the following is not intended to be a comprehensive list of every data element that may be collected, but rather a representative sample of major categories of data types.

Should you have any questions regarding specific data elements, please contact us.

  • Yes - means generally always collected
  • May - means may be collected (but not necessarily in every case)
  • No - means not collected

If you are a Merchant’s Customer, please contact the Merchant with whom you have the business relationship should you have any specific questions about the data elements they collect.

Depending on who you are, we may collect data which includes the following:

Major Categories of Data Collected Who are you?
Referral Partner Merchant Merchant's Customer Visitor

A. IDENTIFIERS

For example, one or more of the following:

  • Name
  • Alias
  • Postal address
  • Login / Unique personal identifier
  • Internet Protocol (IP) address
  • Email address
  • Account name
  • Telephone number
  • Information in cookies
  • Other identifiers
Yes Yes May May

B. RECORDS AND FINANCIAL INFORMATION

For example, one or more of the following:

  • Name
  • Signature
  • Social Security Number (SSN)
  • Address
  • Telephone number
  • Passport number
  • Driver’s license number or state ID card number
  • Insurance policy number
  • Education
  • Employment
  • Employment history
  • Bank account number
  • Credit card number
  • Debit card number
  • Financial information
  • Medical information
  • Health insurance information
  • Other records
Yes Yes Yes May

C. CHARACTERISTICS
For example, one or more of the following:

  • Sex/gender
  • Marital status
  • Age
  • Other characteristics
May Yes No No

D. COMMERCIAL INFORMATION

For example, one or more of the following:

  • Records of personal property
  • Products or services purchased, obtained, or considered
  • Other transaction information, notes, purchasing, or consuming histories
May May Yes No

E. BIOMETRIC INFORMATION

For example, one or more of the following:

  • Hair color
  • Eye color
  • Height
  • Weight
  • Voice
  • Other biometric data
May May May May

F. INTERNET OR NETWORK ACTIVITY INFORMATION

For example, one or more of the following:

  • Browsing history
  • Search history
  • Information regarding an interaction with a website, application, or advertisement
Yes Yes Yes Yes

G. GEOLOCATION DATA

For example, one or more of the following:

  • Internet Protocol (IP) Address geolocation
  • Global Positioning System (GPS) information given via device permission settings
  • Other geolocation data
Yes Yes May Yes

H. SENSORY DATA INCLUDING AUDIO, ELECTRONIC, VISUAL, BIOMETRIC, OR SIMILAR INFORMATION

For example, one or more of the following:

  • Call recordings when talking with customer support, sales, or other representatives
  • Voice identification if you consent to biometric authentication
  • Photo identifications and profile pictures you provide
  • Other similar information
Yes Yes May May

I. PROFESSIONAL OR EMPLOYMENT INFORMATION

For example, one or more of the following:

  • Business type
  • Tax ID’s
  • Tax filing status
  • Tax withholding allowances
  • Job titles and history
  • Other professional information
Yes Yes May May

J. NON-PUBLIC EDUCATION INFORMATION

For example, one or more of the following:

  • Grades
  • Transcripts
  • Class lists
  • Student schedules
  • Student identification codes
  • Student financial information
  • Student disciplinary records
No No No No

K. INFERENCE INFORMATION

For example, one or more of the following:

  • Preferences
  • Characteristics
  • Predispositions
  • Behavior
  • Fraud assessments
  • Risk assessments
  • Other inference information
Yes Yes May May

L. CONTENT MESSAGES

For example, one or more of the following:

  • Mail messages
  • Email messages
  • Text messages
  • Fax messages
  • Other messaging information
Yes Yes May May

 

How Do We Use Your Data?

We use your data so that we can

  • perform our Services, including to
    • open an account on your behalf
    • manage your account
    • process payments for your transactions (including recurring transactions)
    • host online shopping cart checkout pages
    • send invoices to Merchant’s Customers at Merchant’s direction
    • display account information, transaction histories, and reports
    • verify and authorize account access
    • maintain account and payment information
    • provide security alerts and
    • provide dispute notices
    • collect fees
    • provide support and information that you request
    • contact you for support including customer service requests
    • comply with laws and regulations, and enforce our agreements
    • provide digital receipts via email or text messages
    • provide payment related services to Merchants and Merchant’s Customers
  • improve and develop our Services, including to
    • research new features to improve our products and service capabilities
    • research, measure, track, and analyze trends and usage
    • monitor our sites to ensure they work as intended
    • develop new products and services
    • personalize your experience using our Services (which may rely on cookies)
  • communicate with you about our Services, including to
    • solicit feedback from you about our Services via surveys, phone calls, or emails
    • email you system updates, maintenance requests, and association notifications
  • protect our Services, including to
    • maintain the safety, security, and integrity of our systems and Services
    • verify your identity
    • investigate and enforce applicable laws, regulations, and industry standards
    • respond to lawful requests for information from government agencies
    • respond to other valid legal processes
    • debug, identify, and fix errors that may impair our Services
    • dispute chargebacks on behalf of Merchants
    • protect our rights, protect your rights, or protect Merchants, Merchant’s Customers, or Referral Partner rights where possible
    • protect our property, protect your property, or protect Merchants, Merchant’s Customers, or Referral Partner property where possible
    • protect our business, protect you, or protect Merchants, Merchant’s Customers, or Referral Partners from fraud where possible
    • investigate, detect, and prevent fraud, security breaches, incidents, or other potentially malicious, prohibited, or illegal activities
    • ensure you follow our Terms and Conditions or other applicable agreements or policies
  • advertise and market our Services, including to
    • email or provide you with information and offers we think you might like*
    • market our products, Services, Referral Partners, and Merchants
    • understand and better cater to your interests
  • use the data for other uses, including
    • for other reasons we may tell you about from time to time

*Any email solicitations from us will have an option to “opt-out” of any future marketing communications.

How Do We Share Your Data?

In general, we do not sell or rent your data to marketers or third parties.

We do not share, rent, or sell the data of our Merchant’s Customers for interest-based advertising.

We share your data with third parties to

  • facilitate transactions and help us provide our Services
  • underwrite and assess your eligibility for opening an account
  • open an account on your behalf
  • market our products
  • resolve disputes
  • address problems with our Services
  • assist with investigations
  • monitor, detect, or prevent fraud
  • enforce our agreements
  • collect our fees
  • comply with applicable laws, regulations, and contractual business obligations
  • comply with our accounting, tax, and financial reporting obligations

In addition, we may share your data in the following manners, or with the following third parties, including

  • parties to a transaction or agreement, including
    • Merchants selling goods and services to Merchant’s Customers
    • Referral Partners referring a Merchant to us for solicitation
    • subsequent owners, co-owners, or operators of a Merchant or Referral Partner
  • payment providers utilized to facilitate transactions, including
    • payment processors, card networks, and automated clearing house networks
    • sponsoring banks and other financial institutions used to facilitate transactions
  • service providers that perform the following services for us, including
    • third parties performing underwriting
    • fraud prevention providers
    • background check, credit check, and identity verification providers
    • payment processors, money transmitters, tax reporters, and bank sponsors
    • analytics and metrics reporting providers
    • advertising and marketing campaign advisors
    • research and development consultants
    • compliance and governance auditors and service providers
    • email, text, communications, and content delivery providers
    • information and technology and related infrastructure providers
    • customer service and resource management system providers
    • computing, spam enforcement, and security providers
    • collection agencies
  • our own advertising campaign providers and Referral Partners, including
    • third party interest-based ad tracking providers that may use cookies, pixel tags, click-through links, and server logs to help solicit advertisements regarding our products to you
    • Referral Partners whose products and services we think you might like
  • entities involved in legal compliance and enforcement, including
    • courts, governments, regulators, and law enforcement when accompanied by a subpoena or other legal document that requires us to respond
    • attorneys who assist in Investigating or enforcing violations of our agreements
    • auditors who assess compliance with card association or other payment rules
  • entities involved in corporate transactions, including
    • transactions involving our business, or your business, for assignment, merger, purchase, or a sale of part or all of the business, or the contemplation thereof
  • entities with your consent (subject to limitations), including
    • entities you describe and desire to share information with at your discretion
    • third party providers you grant access to your data or connect to your account

If you are a Merchant, we will share your data with payment providers, reporting agencies, sponsoring banks, and other providers we contract with to provide our Services.  This specifically includes identity, credit, and financial information necessary to underwrite, open, and maintain your account.

For security reasons, to protect financial accounts, and to prevent misuse, PayJunction shall not and will not export any payment data from its systems unless legally required.

For business purposes, PayJunction has disclosed the following categories of data (as described above) within the preceding twelve (12) months:

  • A. Identifiers
  • B. Records and financial information
  • C. Characteristics
  • D. Commercial information
  • E. Biometric information
  • F. Internet or network activity information
  • G. Geolocation data
  • H. Sensory data
  • I. Professional or employment information
  • K. Inference information
  • L. Content messages

How Do We Store Your Data?

We take reasonable steps to protect your data from loss, misuse, and unauthorized disclosure. These reasonable measures include hosting your data at facilities and cloud providers (some of which are third parties) that employ physical security access controls. We implement security controls to protect data including the encryption of key payment data elements (such as payment account numbers or “PAN”). In addition, we implement logical security controls to limit access to data to those entities who need it to perform their duties. We maintain compliance with the Payment Card Industry Data Security Standard through an annual security assessment conducted by a licensed third party Qualified Security Assessor. However, no data transmission or storage system can guarantee absolute security, and therefore neither can we.

While we take reasonable steps to protect our systems and Services, you are responsible for keeping your account information and passwords private. If you interact with a public blog post, comment section, or forum regarding our Services, please take note that your interactions may also be public.

How Long Do We Store Your Data?

We retain data for as long as we are providing Services to you.

We may retain data even after you close your account, or we cease providing Services to you, for as long as authorized under our agreements or reasonably necessary to

  • resolve disputes
  • address problems with our Services
  • assist with investigations
  • monitor, detect, or prevent fraud
  • enforce our agreements
  • collect our fees
  • comply with applicable laws, regulations, and contractual business obligations
  • comply with our accounting, tax, and financial reporting obligations

If you are a Merchant’s Customer we retain your data subject to the above and for as long as we are providing Services to your Merchant (this includes multiple different Merchants you may transact with across our platform).

It is our practice to establish retention periods for all data collected based upon our business obligations and the criteria necessary to provide services. When the service is terminated, and the retention period expires, data is deleted.

Marketing, Interest-Based Advertising, and Analytics

We may send Merchants information about our products and services we think they might like, as well as those of our Referral Partners. If you have agreed to receive marketing solicitations and to share your data with our Referral Partners, you have the right to “opt-out” at any time.

If you no longer wish to be contacted for marketing purposes, please click here.

In addition, email solicitations from us will also have an option to opt-out of any future marketing communications.

We may use interest-based advertising providers, advertising networks, and exchanges to advertise our services to you. These advertising providers may allow us to target our ads based on demographics, interests, and context. They may also track your online activities, pages viewed, and actions taken over time and across multiple websites by collecting your data through the use of cookies, pixel tags, click-through links, Internet Protocol (IP) addresses, and other similar technology.

We may use third party service providers to compile analytics regarding our online Services. We may share some of your data (including your Internet Protocol (IP) address, device information, and other data described above) with these analytics providers, and they may also use cookies, pixel tags, click-through links, Internet Protocol (IP) addresses, and other similar technologies to help us analyze how you interact with our Services.

How Do We Use Cookies and Other Similar Technologies?

For the purposes of this section, a “computer” shall also include smart phones, tablets, or any other electronic devices that may use the internet to connect to our Services or third party providers online.

A “cookie” is a text file placed on your computer that may uniquely identify your computer or store information to assist in future connections to our websites.

A “pixel tag” is a small image placed in an email, text message, or website which acts as a web beacon that may uniquely identify your computer.

A “click-through link” is a link to content on a website, and when clicked, has the ability to submit data to a website (sometimes passing through separate web servers before reaching its ultimate destination).

When you interact with our advertisements or Services, open an email or text message we send to you, or click on a link, we may obtain certain data about you from your computer’s internet connection that is logged by web servers, or by using cookies, pixel tags, Internet Protocol (IP) addresses, or other similar technologies.

We, and our authorized third party service providers, may use these technologies or other similar technologies, in a wide range of ways to improve your experience using our Services including

  • keeping you signed in
  • remembering your preferences for a more personalized experience
  • monitoring, detecting, and preventing fraud
  • enhancing the security and stability of our Services
  • targeting ads for our Services to you on our websites and other sites you visit
  • making our advertisements, emails, and text messages more relevant for you
  • helping us track and analyze how you use our Services so we can improve them for you
  • analyzing and measuring the effectiveness of our Services and communications to you
  • storing information to assist in future connections to our websites

Some of this data collection and these technologies are managed directly by us, while others are managed by third parties who deliver services on our behalf. Third party cookies are covered by the third party’s own privacy policy.

What Types of Cookies Do We Use?

The type of cookies we use depends on how you are associated with PayJunction, how you interact with our Services, and the domain you are visiting. For example, some cookies are set on our public facing primary website domain when you visit our site as a Visitor, some are set upon logging into your account as a Merchant, and some are set on a hosted checkout page that you use as a Merchant’s Customer to make a payment online.

Cookies may be placed and read directly by PayJunction as a first party cookie, or set by another company as a third party cookie where the other company is providing a service on our behalf.

The following provides more details about the types of cookies we use, including

  • Authentication Cookies
    • Remembers your login and session state so you may remain logged in as you navigate through your online account.
  • Protection Cookies
    • Protects against fraud and other activities that may otherwise harm our ability to deliver our Services.
  • Security Cookies
    • Protects against unauthorized access to data or unauthorized actions being taken.
  • Functionality Cookies
    • Provides operational continuity to ensure our Services function properly.
  • Preference Cookies
    • Saves your preferences and settings for repeated use of our Services.
  • Analytics Cookies
    • Monitors your interactions with our Services allowing us to analyze and improve them.
  • Advertising Cookies
    • Delivers targeted advertisements across multiple websites you visit and allows us to measure their effectiveness.

Cookies play an important role in helping us provide our Services. Please note that we may change cookies periodically to improve or add to our Services.

If you have questions about a specific cookie being set, or types of cookies not listed here, please contact us for more information.

How Do You Manage Your Cookies and Other Privacy Settings?

You may change the privacy settings on your computer to alert, limit, or disable the use cookies. Please note without cookies enabled, some or all of our Services may not work properly.  To learn more about cookies and how to manage your computers cookie settings, you may visit

In addition, some browsers have a setting called “DNT” which stands for Do Not Track.  DNT lets you opt-out of being tracked by websites you visit.  Our websites are not designed to respond to DNT signals or similar mechanisms from browsers.  To learn more about DNT and how to manage your computer’s DNT settings, you may visit

For more information on third party advertising related cookies, interest-based advertising, and how to opt-out of some settings recognized by companies participating in industry self-regulation, you may visit

As a reminder, please note without cookies enabled, some or all of our Services may not work properly.

What Are Your Data Protection Rights?

In certain situations, and subject to certain circumstances or exceptions, you may have data protection rights which include the right to:

  • The right to opt-out of the sale of personal data (we do not sell personal data)
  • The right to disclosure to know how personal data is used (described in this document)
  • The right to request access to personal data (subject to certain exceptions)
  • The right to request deletion of personal data (subject to certain exceptions)
  • The right to correct personal data (subject to certain exceptions)
  • The right to restrict processing of personal data (subject to certain circumstances)
  • The right to object to processing of personal data (subject to certain circumstances)
  • The right to object to automated decision making based on personal data (subject to certain circumstances)
  • The right to not be discriminated against for exercising your rights

For your protection, exercising certain rights of yours may require us to verify your identity before we can act upon a request.

If you are a Merchant, or employee or representative acting on behalf of a Merchant, you have the right to ask if we disclose your data to third parties for their direct marketing purposes, and to ask if we sell your data to third parties. As it pertains to Merchants, we do not disclose your data for others’ direct marketing purposes without your permission, or you asking to be referred to a Referral Partner, and we do not sell your data and have not done so in the past.

If you are a Merchant’s Customer, PayJunction is a data processor or service provider rather than a data controller. We have no direct relationship with Merchant’s Customers whose data we process on behalf of our Merchants. As a data processor or service provider, we process data we receive about Merchant’s Customers only for authorized business purposes in accordance with the agreements we have with our Merchants. We do not sell or otherwise use the Merchant’s Customer data we receive for any purpose other than providing the services pursuant to the agreements we have with our Merchants and other financial service providers. We will assist our Merchants with reasonable requests so they may comply with their relevant obligations under current applicable laws including the California Consumer Privacy Act (“CCPA”), and the California Privacy Rights Act (“CPRA”). Anyone who seeks to exercise any of the above rights over data we are processing on behalf of a Merchant should make their request to the Merchant as the data controller directly. We will work with the Merchant to effectuate the protections above in certain circumstances and subject to any exceptions that may apply.

To the extent that we receive data directly from a Merchant’s Customer, or a Visitor, PayJunction will maintain reasonable safeguards to protect the data, process data requests in a timely matter and in compliance with our statutory obligations, and will not sell, disclose, or use data received other than as necessary to fulfill the specific purposes for which it was supplied to us in accordance with this Privacy Policy.

We may be required by law or have a legitimate business purpose to retain data. We may decline requests that are frivolous, extremely impractical, jeopardize the security of others, not required by law, or not allowed by law. We may deny a request (but comply to the greatest extent that we can) if you unable or unwilling to verify your identity in conjunction with making a data request.

Please contact us if you would like to exercise any rights outlined and subject to the criteria described above.

Privacy Policies of Other Websites

Our website contains links to other websites. This Privacy Policy only applies to our website. If you click on a link to proceed to another website, you should refer to their privacy policy.

Changes to Our Privacy Policy

We regularly review this Privacy Policy and may amend it from time to time. Any changes to this Privacy Policy will be made on this website. As described above, the “Published Date” reflects the date of publication while the “Effective Date” reflects the date this version of our Privacy Policy takes effect. We will provide reasonable notice prior to any changes, including by email if you have provided one. If you disagree with these changes, you may cancel your account at any time and cease using our Services. If you keep using our Services, you consent to any amendments to this Privacy Policy.

How to Contact Us

If you have any questions out our Privacy Policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us.

Email:              privacy@payjunction.com

Call:                 (800) 601-0230 x3

Write:              PayJunction
                        Attention: Privacy & Legal
                        1903 State Street
                        Santa Barbara, CA 93101

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