Cut Merchant Costs, LLC ("CMC," "we," "us," or "our") operates the CutMerchantCosts.com website and the CMC POS platform (collectively, the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

1. Information We Collect

Personal Information: When you create an account, fill out a contact form, or use our Service, we may collect your name, email address, phone number, business name, business type, mailing address, and payment information.

Transaction Data: We process and store transaction data including purchase amounts, payment methods, timestamps, and customer details as necessary to provide POS functionality.

Usage Data: We automatically collect information about how you interact with the Service, including IP address, browser type, pages visited, time spent, and referring URLs.

Device Information: We collect device identifiers, operating system, and browser version to optimize the Service for your devices.

2. How We Use Your Information

We use collected information to: provide and maintain the Service; process transactions and send related information; send administrative messages, updates, and security alerts; respond to inquiries and provide customer support; analyze usage patterns to improve the Service; comply with legal obligations; and detect and prevent fraud.

3. Information Sharing

We do not sell your personal information. We may share your information with: payment processors (such as Helcim) to process transactions; service providers who assist in operating the Service; law enforcement when required by law or to protect our rights; and business partners with your explicit consent.

4. Data Security

We implement industry-standard security measures including encryption in transit (TLS/SSL), encryption at rest, access controls, and regular security audits. Payment card data is handled in accordance with PCI DSS requirements through our payment processor.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. Transaction records are retained as required by applicable financial regulations. You may request deletion of your account and associated data at any time.

6. Your Rights

Depending on your jurisdiction, you may have the right to: access the personal data we hold about you; request correction of inaccurate data; request deletion of your data; opt out of marketing communications; and data portability. To exercise these rights, contact us at privacy@cutmerchantcosts.com.

7. Cookies and Tracking

We use essential cookies to operate the Service and analytics cookies to understand usage patterns. You can control cookie preferences through your browser settings. We do not use cookies for third-party advertising.

8. Third-Party Links

The Service may contain links to third-party websites. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies.

9. Children's Privacy

The Service is not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last updated" date. Continued use of the Service after changes constitutes acceptance of the revised policy.

11. Contact Us

If you have questions about this Privacy Policy, please contact us at privacy@cutmerchantcosts.com or through our contact form.