Privacy Policy

Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you:

• Register for an account on our platform
• Use our financial management services
• Contact us for customer support
• Subscribe to our newsletters or marketing communications
• Participate in surveys or promotional activities

Financial Information

To provide our core services, we may collect and process:

• Bank account information and transaction data
• Payment card details and payment history
• Credit scores and financial statements
• Investment portfolios and trading activities
• Tax information and business financial records

Technical Information

We automatically collect certain information when you access our platform:

• IP addresses and device identifiers
• Browser type and operating system information
• Usage patterns and interaction data
• Cookies and similar tracking technologies
• Location data (with your consent)

How We Use Your Information

We use the collected information for various purposes, including:

Service Provision

• Processing and managing your financial transactions
• Providing personalized financial insights and recommendations
• Maintaining and improving our platform functionality
• Offering customer support and technical assistance

Security and Compliance

• Detecting and preventing fraudulent activities
• Complying with legal and regulatory requirements
• Conducting risk assessments and security monitoring
• Verifying user identities and account authenticity

Communication and Marketing

• Sending important service updates and notifications
• Providing relevant product information and offers
• Conducting market research and user satisfaction surveys
• Delivering personalized marketing content (with consent)

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:

Service Providers

We work with trusted third-party service providers who assist us in operating our platform, conducting business, or serving our users. These providers are contractually obligated to keep your information confidential and secure.

Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or when we believe disclosure is necessary to:

• Comply with legal obligations
• Protect our rights and property
• Prevent fraud or security threats
• Ensure user safety and platform integrity

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, subject to the same privacy protections.

Data Security

We implement robust security measures to protect your information:

• Encryption: All sensitive data is encrypted both in transit and at rest using industry-standard protocols
• Access Controls: Strict access controls ensure only authorized personnel can access your information
• Regular Audits: We conduct regular security assessments and vulnerability testing
• Compliance: We adhere to financial industry security standards including PCI DSS and SOC 2
• Monitoring: 24/7 security monitoring and incident response procedures

Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

Access and Portability

• Request access to your personal information
• Obtain a copy of your data in a portable format
• Request information about how your data is processed

Correction and Deletion

• Correct inaccurate or incomplete information
• Request deletion of your personal information
• Restrict or object to certain processing activities

Communication Preferences

• Opt-out of marketing communications
• Manage cookie preferences
• Control notification settings

To exercise these rights, please contact us at privacy@b2bsolution.org or use our in-platform privacy controls.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform:

Essential Cookies

These cookies are necessary for the platform to function properly and cannot be disabled. They include authentication tokens, security features, and basic functionality.

Analytics Cookies

We use analytics cookies to understand how users interact with our platform, helping us improve performance and user experience.

Marketing Cookies

With your consent, we may use marketing cookies to deliver personalized content and advertisements based on your interests.

You can manage your cookie preferences through your browser settings or our cookie consent manager.

International Data Transfers

PayVelocity operates globally, and your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for international transfers, including:

• Adequacy decisions by relevant authorities
• Standard contractual clauses
• Binding corporate rules
• Certification schemes and codes of conduct

Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Our retention periods vary based on:

• The type of information and its sensitivity
• Legal and regulatory requirements
• Business needs and operational purposes
• Your account status and activity level

When information is no longer needed, we securely delete or anonymize it according to our data retention schedule.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will:

• Notify you via email or platform notification
• Update the "Last updated" date at the top of this policy
• Provide a summary of key changes
• Obtain your consent where required by law

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

We are committed to resolving any privacy-related inquiries or concerns promptly and will respond to your request within 30 days.