Privacy Policy

This Privacy Policy (“Policy”) describes how RedClay Payments, including its subsidiaries and affiliated entities (collectively, “RedClay,” “Company,” “we,” “our,” or “us”), collects, uses, discloses, and safeguards information obtained through our website located at www.redclaypayments.com and any related platforms, applications, and services (collectively, the “Services”).

By accessing or using the Services, you acknowledge that you have read, understood, and agree to this Policy.

1. Information We Collect

We may collect information in the following categories:

a. Information You Provide Directly

• Name, email address, phone number, and business name
• Merchant or ISO onboarding and application information
• Communications submitted through forms, emails, or support inquiries
• Information provided in connection with payment processing or related agreements

b. Information Collected Automatically

When you access the Services, we may automatically collect:

• IP address and device identifiers
• Browser type, operating system, and device characteristics
• Pages viewed, referring or exit pages, and usage data
• Date and time of access

This information is collected using cookies, pixels, and similar technologies.

c. Information from Third Parties

We may receive information from:

• Payment processors, acquiring banks, and financial institutions
• Compliance, underwriting, fraud, and risk management providers
• Technology and data service providers
• Publicly available sources

2. How We Use Information

We use collected information to:

• Provide, operate, and maintain payment and related services
• Facilitate merchant onboarding, underwriting, and transaction processing
• Communicate with merchants, ISOs, and partners
• Improve platform functionality, security, and performance
• Conduct analytics and internal business operations
• Comply with legal, regulatory, contractual, and card network obligations
• Detect, prevent, and investigate fraud, misuse, or security incidents

3. How We Share Information

RedClay Payments does not sell personal information. We may share information only as follows:

a. Service Providers and Partners

With vendors and partners that perform services on our behalf, including:

• Payment processors and acquiring banks
• Technology infrastructure and hosting providers
• Compliance, underwriting, and fraud monitoring services
• Analytics and customer support providers

b. Business Transactions

In connection with a merger, acquisition, financing, reorganization, or sale of all or a portion of our business or assets.

c. Legal and Regulatory Disclosures

When required to comply with applicable laws, regulations, subpoenas, court orders, card network rules, or lawful requests from regulators or government authorities.

d. With Your Consent

When you expressly authorize us to share information.

4. Data Security

We maintain administrative, technical, and physical safeguards designed to protect information against unauthorized access, disclosure, alteration, or destruction. These measures are aligned with industry standards applicable to payment processing environments. However, no system is completely secure.

5. Data Retention

We retain information for as long as reasonably necessary to:

• Provide the Services
• Comply with legal, regulatory, and contractual requirements
• Resolve disputes and enforce agreements

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Enable core website functionality
• Understand usage patterns
• Improve user experience and performance

You may control cookie settings through your browser; disabling cookies may affect certain features.

7. Third-Party Links

The Services may contain links to third-party websites or services. RedClay Payments is not responsible for the privacy practices or content of those third parties.

8. Children's Privacy

The Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.

9. Your Rights and Choices

Depending on your jurisdiction, you may have rights to:

• Request access to personal information
• Request correction or deletion of certain data
• Opt out of certain communications

Requests may be submitted using the contact information below.

10. California Privacy Rights

California residents may have additional rights under the California Consumer Privacy Act (CCPA). RedClay Payments does not sell personal information as defined by the CCPA.

11. Changes to This Policy

We may update this Policy from time to time. Changes will be effective upon posting the revised Policy with an updated “Last Updated” date.

12. Contact Information