Privacy Policy

This Privacy Policy describes how AcceptanceOne Inc and its affiliates ("AcceptanceOne", "we", "us", or "our") collect, use, and share information about you when you use our platform, websites, APIs, and related services (collectively, the "Services"). By using the Services, you agree to the collection and use of information in accordance with this Policy.

1. Information We Collect

AcceptanceOne may access, preserve, and disclose account information if required by law or in a good-faith belief that access is reasonably necessary to (a) satisfy applicable law, regulation, legal process, or governmental request; (b) enforce our Terms of Service; (c) detect, prevent, or address fraud, security, or technical issues; or (d) protect against harm to the rights, property, or safety of AcceptanceOne, its users, or the public.

We collect information in two ways:

1.1 Information you provide

Personally identifiable information such as your name, email address, telephone number, business information, and payment credentials when you sign up for an AcceptanceOne account or use the Services. Optional publicly visible profile information may include your display name and image.

1.2 Information from service use

• Device information: hardware model, operating system version, unique device identifiers, and mobile network information.
• Log information: search queries, telephony log data (phone number, calling details, call duration, SMS routing), IP address, device event information, browser data, and cookies.
• Location information: GPS signals and sensor data from mobile devices, Wi-Fi access points, and cell tower information.
• Application data: installation information and application version data sent during installation, uninstallation, or periodic updates.
• Local storage: information stored locally on your device using application data caches.

1.3 Minors

The Services are not directed at children under 16. If you believe we have collected information from a minor, please contact privacy@acceptanceone.net.

2. How We Use Information

We use the information we collect to provide, maintain, protect, and improve the Services and to develop new features. This includes offering tailored content such as relevant search results and product recommendations.

Our commitments to you:

• No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
• Text messaging originator opt-in data and consent information are excluded from third-party sharing.
• Communication records are retained to help us resolve issues and improve the Services.
• We may send you email notifications about material changes to the Services.

Opt-out: Reply to any email requesting removal, or text STOP to any AcceptanceOne SMS message. Contact support@acceptanceone.net to opt back in. Note that opting out of communications may mean missing important account-management messages.

Personal information may be combined across AcceptanceOne services. We will request your consent before using information for purposes outside this Policy.

AcceptanceOne processes personal information on servers worldwide, which may be outside your country of residence.

3. Transparency and Choice

You may request access to, modification of, or deletion of your personal information by contacting privacy@acceptanceone.net. Identity verification may be required. We may reject requests that are unreasonably repetitive, require disproportionate technical effort, risk others' privacy, or are extremely impractical.

Access and correction of information is provided free of charge unless the request requires disproportionate effort. Deleted information may remain on active servers and backup systems for a period of time before being fully removed.

4. API and Application Key Security

AcceptanceOne provides vetted software partners with Application Keys for API access using encrypted authentication methods to protect sensitive, health, and financial customer data.

• Application Keys may not be shared or transferred to third parties without our written consent.
• Application Keys remain AcceptanceOne property and are subject to revocation.
• AcceptanceOne monitoring and cloud logging tools observe and control API activities.

5. Information Data Categories

5.1 Customer Confidential Data

Information that could adversely affect an AcceptanceOne customer if disclosed, or data required to be kept confidential by law or vendor agreement. Protected against unauthorized disclosure or modification and used only when necessary with customer permission.

5.2 Company Confidential Data

Information potentially adversely affecting AcceptanceOne if disclosed. Protected against unauthorized disclosure or modification and limited to authorized AcceptanceOne personnel, legal staff, and contractors.

5.3 Merchant Account Applications

For merchant onboarding we request detailed business owner information including social security number, tax identification number, and banking information. This information is used solely to evaluate account requests.

5.4 ePHI

Electronic Protected Health Information (ePHI) is not stored in AcceptanceOne systems.

6. Information We Share

We do not share personal information outside AcceptanceOne except in the following circumstances:

6.1 With Domain Administrators

If your account is managed by a domain administrator (for example, a licensee, PayFac, or ISV operating on the AcceptanceOne platform), that administrator and their supporting resellers have access to your account information and may view statistics, change passwords, suspend or terminate access, access stored information, and receive account information for legal compliance. Refer to your domain administrator's privacy policy for more details.

6.2 For External Processing

We may share personal information with affiliates or trusted businesses that process it based on our instructions, in compliance with this Privacy Policy, and subject to appropriate confidentiality and security measures.

6.3 For Legal Reasons

We may share information if we have a good-faith belief that access, use, preservation, or disclosure is reasonably necessary to:

• Meet applicable law, regulation, legal process, or governmental request;
• Enforce our Terms of Service;
• Detect, prevent, or address fraud, security, or technical issues;
• Protect against harm to the rights, property, or safety of AcceptanceOne, our users, or the public.

6.4 Aggregated Information

Non-personally identifiable, aggregated information may be shared publicly and with partners such as publishers and advertisers to show general service usage trends.

6.5 Merger or Acquisition

Upon a merger, acquisition, or sale of assets, AcceptanceOne will ensure the continued confidentiality of your personal information and provide affected users notice before any transfer or change to this Privacy Policy.

6.6 Marketing

AcceptanceOne does not disclose, sell, or rent your personal data to third parties for their marketing purposes without your prior consent. Contact privacy@acceptanceone.net to cease such activities if consent was previously given.

7. Information Security

AcceptanceOne uses reasonable efforts to prevent the loss, misuse, or alteration of information, but we cannot guarantee prevention. No method of Internet storage or transmission is completely secure; you accept the use of the Services at your own risk.

Security measures include:

• SSL and TLS encryption for the Services.
• Regular review of information collection, storage, and processing practices, including physical security measures against unauthorized access.
• Restricted personal information access limited to AcceptanceOne employees, contractors, and agents on a need-to-know basis, subject to strict confidentiality obligations and disciplinary action for violations.
• Security measures designed to reduce risks to information systems containing sensitive personal information.

8. When This Privacy Policy Applies

This Privacy Policy applies to all AcceptanceOne Inc and affiliate services, excluding any service with its own separate privacy policy that does not incorporate this Policy.

This Policy does not apply to:

• Services offered by other companies or individuals;
• Products displayed in search results;
• Sites that include AcceptanceOne services or are linked from AcceptanceOne services;
• Information practices of companies advertising AcceptanceOne services using cookies, pixel tags, or similar technologies.

By accepting this Policy during account registration you consent to the collection, storage, use, and disclosure of personal and non-personal information as described here.

9. Compliance and Cooperation with Regulatory Authorities

AcceptanceOne periodically reviews its compliance with this Privacy Policy, adheres to self-regulatory frameworks, and compares its Policy against those of businesses with which we deal.

Formal written complaints receive follow-up contact from us. We work with appropriate regulatory authorities, including local data protection authorities, to resolve complaints regarding personal data transfers that cannot be resolved directly with users.

10. Notice to California Residents

California law requires us to inform California residents who have provided personal information that they may request disclosure of information about third-party sharing for direct marketing purposes (California Civil Code Section 1798.83(c)(2)).

AcceptanceOne does not share individuals' personal information with third parties outside of AcceptanceOne for those parties' direct marketing use. Contact privacy@acceptanceone.net for information requests.

Categories of information collected in the past 12 months:

• Name
• Contact details and preferences (physical address, email, phone, identifying information)
• Financial information
• Professional or employment-related information
• Internet and electronic network activity information
• Topics of interest

AcceptanceOne has not sold consumer information or disclosed it to third parties for business purposes within the past 12 months.

11. Changes to This Policy

We may amend or modify this Privacy Policy by posting revisions on the AcceptanceOne site. Significant changes will receive prominent notice, including email notification for certain service types. Revisions are effective upon posting but do not apply retroactively. Prior versions of the Policy are maintained in an archive.

Your rights under this Policy will not be reduced without your consent. Continued use of the Services after a Policy revision is posted constitutes consent to those revisions. Termination of use due to a Policy change still binds you to the terms you previously consented to, including termination provisions.

12. Contact

Questions about this Privacy Policy? Contact:

AcceptanceOne Inc
Privacy: privacy@acceptanceone.net
Support: support@acceptanceone.net