Privacy Policy
Vevo Payments NA LLC, an Oklahoma limited liability company (“Vevo Payments,” “Company,” “we,” “us,” or “our”), values the trust of the businesses, merchants, partners, visitors, and other individuals who interact with our websites, systems, applications, merchant portals, communications, and services (collectively, the “Services”). This Privacy Policy describes how we collect, use, disclose, store, retain, secure, and otherwise process information in connection with the Services.
By accessing, using, registering for, or submitting information through the Services, you acknowledge that you have read and understand this Privacy Policy. If you do not agree with this Privacy Policy, you should not use the Services.
1. Scope and Application
This Privacy Policy applies to information we collect through:
our websites and online properties;
our merchant onboarding and underwriting workflows;
our merchant portals, dashboards, and support interfaces;
our payment facilitation, processing, reporting, and related services;
our communications by email, telephone, text, chat, and other channels;
our integrations with third-party platforms, banks, processors, software vendors, and service providers.
This Privacy Policy applies to information collected from prospective merchants, existing merchants, merchant owners, beneficial owners, guarantors, authorized users, business contacts, website visitors, and, where applicable, end users or customers of our merchant clients.
This Privacy Policy does not govern the privacy practices of third-party websites, applications, or services that we do not own or control, even if they are linked to or integrated with the Services.
2. Information We Collect
We may collect information directly from you, automatically through your use of the Services, and from third parties. The categories of information we collect may include, without limitation, the following.
2.1 Information You Provide Directly
You may provide us with information such as:
your name, title, role, and business affiliation;
your business name, legal entity name, trade name, and organizational structure;
mailing address, business address, billing address, shipping address, and other contact details;
email address, telephone number, and mobile number;
ownership, control, officer, director, member, manager, partner, and guarantor information;
tax identification numbers, formation details, state registration data, and business documentation;
bank account information, settlement instructions, and funding preferences;
underwriting and application materials;
transaction-related data and processing history;
chargeback, dispute, refund, and retrieval documentation;
identity verification materials, financial statements, tax records, invoices, and supporting documentation;
communications, correspondence, support requests, and feedback;
any other information you submit through forms, files, uploads, or other interactions with the Services.
2.2 Information Collected Automatically
When you access or use the Services, we may automatically collect:
IP address;
device identifiers;
browser type and version;
operating system and device characteristics;
network and connection information;
page views, session duration, and interaction patterns;
clickstream and navigation data;
referring and exit pages;
approximate geolocation;
log data and diagnostic information;
cookie and similar technology data.
2.3 Information From Third Parties
We may receive information from third-party sources, including:
banks, processors, and payment networks;
identity verification and fraud prevention vendors;
analytics providers and advertising partners;
public records and government databases;
credit bureaus and business data aggregators;
service providers and technology partners;
merchant referral sources and channel partners;
your customers, counterparties, or authorized representatives, where permitted by law.
2.4 Transaction and Risk Data
In connection with merchant services and payment processing, we may collect and process information relating to:
payment methods and transaction volume;
authorization and settlement records;
merchant descriptor and account data;
fraud signals and risk indicators;
chargebacks, reversals, and disputes;
refunds and cancellations;
reserve, hold, and funding activity;
compliance review materials and underwriting decisions.
3. How We Use Information
We may use information for lawful business, operational, contractual, security, and compliance purposes, including to:
provide, maintain, improve, and support the Services;
evaluate merchant applications and underwriting submissions;
verify identity, business legitimacy, ownership structure, and authority;
process transactions and facilitate settlements;
manage merchant accounts, reporting, reserves, and funding;
detect, prevent, investigate, and respond to fraud, misuse, security incidents, and unlawful activity;
maintain records and conduct internal audits, analytics, and reporting;
communicate with you regarding applications, account status, transactions, disputes, updates, and notices;
provide customer support and technical assistance;
enforce our agreements, policies, and legal rights;
comply with applicable laws, regulations, card network rules, banking obligations, sanctions requirements, and contractual commitments;
defend against claims, manage disputes, and support legal proceedings;
evaluate, structure, or complete corporate transactions, including mergers, acquisitions, reorganizations, or financing events;
personalize user experiences and improve platform functionality;
market our Services, where permitted by law and subject to your preferences.
4. Legal Bases for Processing
Where required by law, we process information based on one or more of the following grounds:
your consent, where applicable;
performance of a contract or steps taken prior to entering into a contract;
compliance with legal and regulatory obligations;
our legitimate business interests;
establishment, exercise, or defense of legal claims;
protection against fraud, security threats, or other unlawful conduct.
5. How We Disclose Information
We may disclose information to the following categories of recipients, as reasonably necessary to operate our business and provide the Services.
5.1 Service Providers
We may share information with third-party vendors and service providers that perform services on our behalf, including:
hosting and cloud infrastructure providers;
payment processors and settlement partners;
identity verification vendors;
fraud and risk management providers;
customer support and communication providers;
analytics and performance measurement providers;
compliance, auditing, and document management providers;
IT, cybersecurity, and data storage providers;
legal, accounting, and consulting professionals.
5.2 Banks, Processors, and Financial Partners
Because we operate in the merchant services and payments industry, we may disclose information to acquiring banks, sponsor banks, card networks, payment processors, settlement partners, and related financial institutions as necessary to:
underwrite and maintain merchant accounts;
authorize and settle transactions;
manage funding and reserves;
address disputes, reversals, and chargebacks;
comply with applicable rules, regulations, and operating requirements;
prevent fraud and monitor risk.
5.3 Affiliates and Related Parties
We may share information with our affiliates, subsidiaries, parents, successors, assigns, and related entities for internal business purposes and to support the Services.
5.4 Legal, Regulatory, and Security Disclosures
We may disclose information if we believe such disclosure is necessary or appropriate to:
comply with applicable law, regulation, legal process, subpoena, court order, or governmental request;
respond to law enforcement, regulators, card networks, banks, or other authorized entities;
enforce our agreements, policies, and rights;
investigate or prevent fraud, cyber incidents, abuse, or security threats;
protect the rights, property, security, and safety of the Company, our users, our partners, and the public;
support audits, insurance claims, disputes, or litigation.
5.5 Business Transfers
We may disclose or transfer information in connection with, or during negotiations of, any merger, acquisition, financing, sale of assets, restructuring, reorganization, bankruptcy, or other corporate transaction involving all or part of our business.
5.6 With Your Direction or Consent
We may disclose information as directed by you or with your consent.
6. Cookies and Similar Technologies
We and our service providers may use cookies, pixels, tags, scripts, SDKs, local storage, and similar technologies to:
operate and secure the Services;
maintain session integrity and user preferences;
authenticate accounts;
analyze usage and improve performance;
monitor for fraud and abuse;
support diagnostics, support, and troubleshooting;
measure marketing effectiveness and engagement, where permitted.
You may be able to disable cookies in your browser or device settings, but doing so may impair or limit certain features of the Services.
7. Marketing and Communications
We may send you transactional, administrative, informational, and promotional communications using the contact information you provide. You may opt out of marketing emails by using the unsubscribe mechanism included in the message, subject to applicable law and certain exceptions.
If you receive SMS or text communications from us, your consent may be governed by separate terms, and message and data rates may apply. You are responsible for maintaining accurate contact information and for any charges incurred through your communications provider.
8. Information Retention
We retain information for as long as reasonably necessary to:
provide the Services;
fulfill the purposes described in this Privacy Policy;
comply with legal, regulatory, tax, accounting, banking, and contractual obligations;
enforce agreements and preserve records;
prevent fraud and abuse;
establish, exercise, or defend legal claims;
support audits, investigations, and business continuity.
Retention periods may vary depending on the type of information, the sensitivity of the information, the nature of our relationship with you, legal requirements, and operational needs. When information is no longer needed, we may delete, anonymize, aggregate, or securely retain it as permitted or required by law.
9. Security
We maintain administrative, technical, and physical safeguards designed to protect information against unauthorized access, loss, misuse, alteration, or disclosure. These safeguards may include encryption, access restrictions, logging, authentication controls, monitoring, network protections, vendor oversight, and incident response procedures.
However, no system, transmission method, or storage environment can be guaranteed to be completely secure. You are responsible for using appropriate safeguards, including maintaining the confidentiality of your passwords, credentials, and access devices.
10. Merchant and Payment Data
Because we operate in the merchant services sector, we may process business and payment data that is sensitive, regulated, or operationally important. Such data may include merchant applications, ownership records, bank account information, payment activity, settlement information, fraud data, chargeback histories, refund records, and other underwriting or compliance materials.
If you are a merchant, you are responsible for your own privacy notices, customer disclosures, data collection practices, refund policies, and legal compliance obligations with respect to your customers and end users. Where we act as a service provider, processor, or similar entity for a merchant, we generally process relevant data on behalf of that merchant and pursuant to our contractual arrangements, policies, and applicable law.
11. Your Rights and Choices
Depending on your location and the nature of your relationship with us, you may have certain rights regarding personal information, subject to legal limitations and exceptions. These may include the right to:
request access to certain information;
request correction of inaccurate information;
request deletion of certain information;
object to or restrict certain processing;
withdraw consent where processing is based on consent;
opt out of marketing communications;
request information about our data handling practices.
We may need to verify your identity before responding to a request. We may also decline or limit a request where permitted by law, including where information is subject to retention requirements, legal privilege, fraud prevention needs, or the rights of others.
12. State Privacy Rights
Residents of certain states may have additional privacy rights under applicable law. We will honor such rights as required by law, subject to applicable exemptions, including where the information is collected or processed in a business-to-business, commercial, contractual, payment-processing, fraud-prevention, security, or compliance context.
If you submit a privacy request, we may require information sufficient to verify your identity and evaluate the scope of your request.
13. Children’s Privacy
The Services are intended for adults and business users and are not directed to children under thirteen (13) years of age. We do not knowingly collect personal information from children under 13. If we learn that we have inadvertently collected such information, we will take reasonable steps to delete it.
14. International Users
The Services are primarily directed to users in the United States. If you access the Services from outside the United States, you understand and acknowledge that your information may be transferred to, stored in, and processed in the United States and other jurisdictions that may have different privacy laws than your home jurisdiction.
15. Third-Party Links and Integrations
The Services may contain links to third-party websites, platforms, and resources, or may integrate with third-party products and services. We are not responsible for the privacy, security, or content of such third parties, and their collection and use of information is governed by their own policies and terms.
16. Public Submissions
If the Services permit public comments, reviews, testimonials, forum participation, or other public submissions, you should understand that any information you disclose in public areas may be visible to others and may be indexed, collected, or used by third parties. You should avoid submitting sensitive or confidential information in public areas.
17. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our business, technology, legal obligations, or data practices. When we do, we will revise the “Effective Date” or “Last Updated” date above. Your continued use of the Services after an updated Privacy Policy is posted constitutes acceptance of the revised version, to the extent permitted by law.
18. Contact Information
If you have questions about this Privacy Policy or our information practices, please contact us at:
Vevo Payments NA LLC
Oklahoma City, OK
legal@vevopayments.com
+1 405 535 8278
vevopayments.com