1. Who We Are
PYMO LLC ("PYMO," "we," "us," or "our") is a payment processing company headquartered in Florida, United States. We help US merchants reduce their credit card processing fees through Cost Plus and Cash Discount programs. Our website is paypymo.co.
If you have questions about this Privacy Policy, contact us at daniel@paypymo.co.
2. Information We Collect
We collect information you provide directly to us, including:
- Contact information: First name, last name, email address, and phone number
- Business information: Business name and estimated monthly processing volume
- Processing statements: Credit card processing statements you submit for analysis (used solely to calculate your potential savings)
- Communications: Messages, inquiries, and feedback you send us via email or our chat widget
We also automatically collect certain technical data when you visit our website, including your IP address, browser type, pages visited, and referring URL, via standard web analytics tools.
3. How We Use Your Information
We use the information we collect to:
- Conduct your free processing statement analysis and deliver your savings report
- Contact you about your inquiry via phone, email, or SMS text message
- Provide merchant onboarding, equipment setup, and ongoing support
- Send transactional and service-related communications
- Comply with legal and regulatory obligations
- Improve our website and services
4. SMS / Text Message Communications
By submitting your phone number on our website or through our chat widget, you consent to receive SMS text messages from PYMO LLC related to your inquiry, account, or services. Message frequency varies. Message and data rates may apply.
To opt out of SMS messages at any time, reply STOP to any message we send, or contact us at daniel@paypymo.co. After opting out, you will receive a single confirmation message and no further SMS messages.
For help, reply HELP to any SMS message.
5. Sharing Your Information
We do not sell your personal information. We may share your information with:
- Elite Web Technology: A technology and business solutions company that works with and backs PYMO
- Clover (Fiserv): For equipment provisioning and POS system support
- Service providers: Third-party tools that help us operate our website, send communications, and analyze data (e.g., CRM, email, SMS platforms). These providers are bound by confidentiality obligations.
- Legal obligations: If required by law, court order, or government authority
We do not share, sell, or rent your information to third-party marketers.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, maintain our business relationship with you, and comply with applicable laws. Processing statements submitted for analysis are deleted within 90 days if no merchant agreement is established.
7. Security
We use commercially reasonable technical and organizational measures to protect your information from unauthorized access, loss, or disclosure. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
8. Your Rights (California & Florida Residents)
Depending on your state of residence, you may have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate data
- Request deletion of your personal information
- Opt out of SMS or email marketing communications
To exercise any of these rights, email us at daniel@paypymo.co with the subject line "Privacy Request."
9. Cookies
Our website uses cookies and similar tracking technologies to improve your browsing experience and analyze site traffic. You can control cookie settings through your browser preferences. Disabling cookies may affect some website functionality.
10. Children's Privacy
Our services are intended for business owners and are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors.
11. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" at the top of this page. We encourage you to review this policy periodically. Continued use of our website after changes constitutes acceptance of the updated policy.
12. Contact Us
If you have questions or concerns about this Privacy Policy, please contact us:
- Email: daniel@paypymo.co
- Website: paypymo.co
- Company: PYMO LLC, Florida, United States