This Privacy Policy applies to the True Merchant Rate website, account portal, statement-analysis tools, reports, communications, and related services that link to this policy (collectively, the “Service”).

It does not apply to websites, products, or services operated by third parties, even when the Service links to them.

Depending on how you use the Service, we may collect:

• Account information, such as your email address, name, company, role, and account preferences.
• Statement and business information, including documents you upload and data extracted from them, such as processing volume, transaction counts, processor names, fee categories, pricing details, and related report inputs.
• Communications, including support requests, consultation requests, feedback, and other messages you send to us.
• Usage and device information, such as pages viewed, feature interactions, browser type, device information, approximate location derived from an IP address, timestamps, and diagnostic events.
• Authentication and security information, such as session identifiers, login events, and information used to help prevent misuse.

We may use information to:

• provide, maintain, secure, and improve the Service;
• authenticate accounts and preserve role-based access;
• process uploaded statements and generate reports, explanations, confidence indicators, and related insights;
• respond to support, consultation, and account requests;
• monitor reliability, investigate errors, prevent fraud or abuse, and enforce our terms;
• comply with legal obligations and protect the rights, safety, and integrity of users, True Merchant Rate, and others; and
• communicate operational updates and, where permitted, information about relevant services.

The Service uses automated systems to organize statement content, perform calculations, classify fees, identify patterns, and prepare explanatory material. Outputs depend on document quality, available fields, detected statement structure, and other inputs.

Automated results may be incomplete or inaccurate. Reports are intended to support review and informed discussion; they are not a substitute for checking the original statement, contract terms, or advice from a qualified professional.

We may disclose information in the following circumstances:

• Service providers. Vendors may process information for hosting, authentication, storage, document processing, analytics, communications, security, and technical support.
• Your organization. If your account belongs to a partner, employer, representative, or white-label organization, authorized administrators may have access consistent with their role and the organization’s configuration.
• Legal and safety reasons. We may disclose information when reasonably necessary to comply with law, respond to valid legal process, enforce agreements, or protect rights and safety.
• Business changes. Information may be transferred in connection with a financing, merger, acquisition, reorganization, or sale of assets, subject to appropriate safeguards.
• At your direction. We may disclose information when you request it or give consent.

We do not sell personal information for money.

We retain information for as long as reasonably necessary to provide the Service, maintain account and report history, satisfy legal or contractual obligations, resolve disputes, enforce agreements, and support security and business continuity.

Retention periods vary based on the type of information, the purpose for which it was collected, account status, organizational settings, and applicable requirements. Backup copies may remain for a limited period after deletion from active systems.

We use administrative, technical, and organizational measures intended to protect information against unauthorized access, loss, alteration, or misuse. These measures include authenticated access and separation of user-facing and administrative functions.

No system is completely secure. You are responsible for protecting account credentials, using a strong unique password, maintaining control of your email account, and promptly notifying us of suspected unauthorized access.

You may update certain account information through the Service and can choose whether to provide optional information. Depending on your location, you may also have rights to request access, correction, deletion, restriction, portability, or objection regarding personal information.

To submit a privacy request, use our secure support form for support@truemerchantrate.com. We may need to verify your identity and authority before completing a request. Some information may be retained where permitted or required by law.

The Service may use cookies, local storage, and similar technologies for authentication, session continuity, preferences, security, performance, and service analytics. Blocking necessary technologies may prevent account or portal features from working correctly.

The Service is intended for business use and is not directed to children under 18. We do not knowingly collect personal information from children through the Service. If you believe a child provided information, contact us so we can review the request.

We may update this policy as the Service, our practices, or applicable requirements change. The effective date above shows when the policy was last revised. Material changes may also be communicated through the Service or another appropriate channel.

Questions or requests about this policy can be sent through our secure support form for support@truemerchantrate.com.