1. Introduction
Flash Point Payments LLC ("Company," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website flash-point-payments.com, use our services, or otherwise interact with us. Please read this policy carefully. By accessing or using our services, you agree to the terms of this Privacy Policy.
2. Information We Collect
We may collect the following types of information:
- Personal Information: Name, email address, phone number, mailing address, business name, and other contact details you provide.
- Financial Information: Business revenue data, bank statements, and other financial details necessary to evaluate and process lending applications.
- Technical Information: IP address, browser type, operating system, referring URLs, and browsing behavior on our website.
- Communications: Records of correspondence, including emails, phone calls, and text messages between you and our team.
- Cookies & Tracking: We use cookies, web beacons, and similar technologies to enhance your browsing experience and gather analytical data.
3. How We Use Your Information
We use the information we collect to:
- Process and evaluate lending applications and service requests.
- Communicate with you regarding your account, inquiries, and transactions.
- Send promotional and marketing communications (with your consent).
- Improve our website, products, and services.
- Comply with legal obligations and enforce our agreements.
- Detect and prevent fraud or other harmful activities.
4. How We Share Your Information
We may share your information with:
- Service Providers: Third-party vendors who assist us in operating our business, such as payment processors, CRM platforms, and IT providers.
- Legal Compliance: When required by law, regulation, legal process, or governmental request.
- Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets.
- With Your Consent: When you have given us explicit permission to share your information.
We do not sell your personal information to third parties.
5. Data Security
We implement commercially reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
6. Your Rights & Choices
- Access & Correction: You may request access to or correction of your personal information by contacting us.
- Opt-Out: You may opt out of marketing communications at any time by following the unsubscribe instructions in our emails or contacting us directly.
- Cookies: You may adjust your browser settings to refuse or delete cookies, though some features of our website may not function properly.
- Do Not Track: Our website does not currently respond to "Do Not Track" browser signals.
7. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.
8. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will take steps to delete it promptly.
9. SMS & Text Message Communications
Flash Point Payments LLC may send SMS or text messages to your mobile phone number for purposes including but not limited to: account notifications, customer service communications, and promotional or marketing messages. By opting in to our SMS program, you agree to the following:
- We will not sell, rent, or share your mobile phone number with third parties or affiliates for their own marketing or promotional purposes.
- We will not share your opt-in consent or the information collected as part of the opt-in process with any third party, except as required by law or with your explicit consent.
- Consent to receive SMS messages is not a condition of purchase. You may purchase our products or services without opting in to SMS communications.
- Message frequency may vary. Message and data rates may apply depending on your mobile carrier and plan.
- You may opt out at any time by replying STOP to any message. Upon receipt of your STOP request, we will send you a final confirmation message and you will no longer receive SMS messages from us.
- For assistance, reply HELP to any message, or contact us at flash@flash-point-payments.com.
Carriers are not liable for delayed or undelivered messages. Please refer to your mobile carrier for applicable messaging and data rate details.
10. Changes to This Privacy Policy
We reserve the right to update or modify this Privacy Policy at any time. Changes will be effective immediately upon posting the revised policy on our website with an updated "Last Updated" date. Your continued use of our services after any changes constitutes your acceptance of the updated policy.
11. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at: