Privacy Policy

Quikcent, LLC ("Quikcent," "Company," "we," "our," or "us") respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, disclose, process, store, and safeguard information when you access or use the Quikcent platform, websites, mobile applications, APIs, payment services, wallet services, merchant tools, communication services, and related technologies (collectively, the "Services").

By using the Services, you acknowledge that you have read and understand this Privacy Policy.

1. Information We Collect

We collect information from users, merchants, consumers, visitors, customers, and business representatives.

1A. Information You Provide

We may collect information you provide directly, including:

• Full legal name
• Business name
• Trade names
• Username
• Email address
• Telephone number
• Mailing address
• Billing address
• Date of birth
• Taxpayer Identification Number
• Employer Identification Number
• Social Security Number where permitted
• Government-issued identification
• Passport information
• Driver's license information
• Business ownership information
• Beneficial ownership information
• Banking information
• Payment card information
• Profile information
• Customer support communications
• Uploaded documents
• Merchant onboarding information
• Compliance documentation
• Verification information

1B. Transaction Information

When you use the Services, we may collect:

• Transaction amounts
• Transaction dates
• Transaction times
• Merchant information
• Customer information
• Invoice information
• Receipt information
• Payment method information
• Settlement information
• Chargeback information
• Refund information
• Reversal information
• Wallet activity
• Loyalty program activity
• Fraud risk indicators
• Payment routing information

1C. Device and Technical Information

We may automatically collect:

• IP address
• Device identifiers
• Device fingerprint information
• Browser information
• Operating system information
• Mobile carrier information
• Application usage information
• Session information
• Log information
• Error reports
• Diagnostic information
• Geolocation information
• Network information
• Authentication information

1D. Information From Third Parties

We may receive information from:

• Payment processors
• Sponsor banks
• Banking partners
• Identity verification providers
• Credit bureaus where permitted
• Fraud prevention providers
• Analytics providers
• Advertising providers
• Government databases
• Compliance vendors
• Financial institutions
• Public sources

1E. Sensitive Information

Certain information may be considered sensitive under applicable privacy laws.

Sensitive information may include:

• Government-issued identification
• Social Security numbers
• Tax identification numbers
• Financial account information
• Payment card information
• Authentication credentials
• Precise geolocation information

Quikcent does not collect or store biometric identifiers or biometric information such as fingerprints, facial geometry, voiceprints, or retinal scans unless expressly disclosed and separately authorized.

We collect and use sensitive information only as reasonably necessary to provide Services, comply with legal obligations, prevent fraud, protect security, and administer Accounts.

2. How We Use Information

We may use automated systems to detect fraud, verify identity, assess transaction risk, and protect the Services. These systems assist our decision-making processes but do not replace human review where required by law or our internal procedures.

We may use collected information for legitimate business purposes, including:

2A. Providing Services

To:

• Create Accounts
• Authenticate users
• Process transactions
• Facilitate payments
• Process settlements
• Maintain Wallet Services
• Provide customer support
• Deliver receipts
• Deliver invoices
• Provide reporting tools
• Operate platform functionality

2B. Fraud Prevention, Risk Management, and Security

We may use information to:

• Detect fraud
• Prevent unauthorized activity
• Conduct transaction monitoring
• Conduct sanctions screening
• Conduct anti-money laundering reviews
• Conduct Know Your Customer reviews
• Verify identities
• Perform device fingerprinting
• Analyze behavioral patterns
• Investigate suspicious activity
• Enforce platform security
• Protect users and merchants

2C. Legal and Compliance Purposes

We may use information to:

• Comply with laws
• Comply with court orders
• Respond to regulators
• Respond to law enforcement requests
• Comply with payment network rules
• Comply with banking partner requirements
• Conduct audits
• Resolve disputes
• Defend legal claims

2D. Improving Services

We may use information to:

• Improve user experience
• Analyze performance
• Improve platform functionality
• Develop products
• Improve security
• Enhance reliability
• Conduct research and analytics

2E. Marketing and Communications

Where permitted by law, we may use information to:

• Send newsletters
• Send promotional materials
• Provide product announcements
• Offer incentives
• Conduct surveys
• Communicate updates

Users may opt out of marketing communications at any time.

Where required by law, we will obtain your consent before sending marketing communications. Opting out of marketing communications does not affect transactional or account-related communications.

3. Receipts, Promotions, and Merchant Communications

Merchants may use the Services to send:

• Receipts
• Invoices
• Loyalty rewards
• Promotions
• Offers
• Marketing communications

Quikcent acts solely as a technology platform provider and is not responsible for merchant-created content, offers, promotions, or advertising claims.

Merchants are solely responsible for compliance with all applicable consumer protection, marketing, advertising, SMS, email, and privacy laws.

4. SMS and Text Message Communications

By providing a mobile telephone number to Quikcent, you expressly consent to receive transactional, informational, security, account-related, and, where permitted by law, marketing text messages from Quikcent and its service providers.

Such communications may include:

• Authentication codes
• Security alerts
• Transaction notifications
• Account updates
• Compliance requests
• Service announcements
• Marketing communications

Message frequency may vary.

Standard message and data rates may apply.

Consent to receive marketing text messages is not a condition of purchasing any product or service.

Users may opt out of marketing text messages by replying STOP where supported.

Users may obtain assistance by replying HELP where supported.

Carrier participation is not guaranteed.

5. How We Share Information

Quikcent is a financial technology company. Certain services, including payment processing, identity verification, and banking services, are provided by independent third-party providers and partner financial institutions. Those providers process personal information in accordance with their own privacy notices and applicable law.

We may share information as described below.

5A. Service Providers

We may share information with service providers that assist in operating the Services, including:

• Payment processors
• Sponsor banks
• Banking partners
• Cloud service providers
• Identity verification providers
• Fraud prevention vendors
• Security providers
• Communication providers
• Analytics providers
• Customer support providers

Such providers are authorized to use information only as reasonably necessary to perform services on our behalf.

5B. Financial Institutions and Payment Networks

We may share information with:

• Visa
• Mastercard
• American Express
• Discover
• NACHA
• RTP Network participants
• FedNow participants
• Issuing banks
• Acquiring banks
• Sponsor banks
• Payment processors
• Settlement partners

Such disclosures may occur for transaction processing, compliance, fraud prevention, underwriting, dispute resolution, settlement, and risk management purposes.

5C. Legal Compliance

We may disclose information if reasonably necessary to:

• Comply with legal obligations
• Respond to subpoenas
• Respond to court orders
• Respond to government requests
• Cooperate with regulators
• Protect rights and property
• Prevent fraud
• Protect public safety
• Enforce agreements

5D. Business Transfers

Information may be transferred in connection with:

• Mergers
• Acquisitions
• Financings
• Asset sales
• Bankruptcy proceedings
• Corporate reorganizations
• Successor transactions

5E. With Consent

We may disclose information where you direct us to do so or otherwise provide consent.

5F. Fraud Prevention and Security Sharing

We may share information with fraud prevention providers, risk management vendors, identity verification providers, payment processors, sponsor banks, and financial institutions for purposes including fraud prevention, sanctions screening, anti-money laundering compliance, cybersecurity protection, identity verification, transaction monitoring, and legal compliance.

6. Payment Processing Disclosures

Payment processing services may be provided by third-party payment processors, sponsor banks, financial institutions, and payment networks.

By using the Services, you acknowledge that such third parties may independently collect, process, store, and disclose information in accordance with their own privacy notices and legal obligations.

We encourage you to review those privacy notices before using their services.

Quikcent does not control the privacy practices of independent third parties.

Quikcent does not store full payment card numbers on Company-controlled systems except as expressly permitted and maintained in accordance with applicable security requirements.

7. Data Retention

For example, identity verification records, transaction records, and certain compliance records may be retained for periods required by applicable financial regulations.

We retain personal information for as long as reasonably necessary to provide the Services, maintain Accounts, comply with legal obligations, resolve disputes, prevent fraud, enforce agreements, satisfy payment network requirements, comply with processor and financial institution obligations, and protect the security and integrity of the Services.

Retention periods vary depending on the type of information and applicable legal, regulatory, tax, accounting, payment network, and contractual requirements.

Certain information, including identity verification records, transaction records, communications, and tax-related information, may be retained for longer periods where required or permitted by applicable law or by our payment processors, sponsor banks, or financial institution partners.

When personal information is no longer required, Quikcent will delete, anonymize, or securely dispose of such information in accordance with applicable law and our internal data retention practices.

8. Security

Quikcent maintains commercially reasonable administrative, technical, physical, and organizational safeguards designed to protect information.

Security measures may include:

• Encryption in transit
• Encryption at rest
• Access controls
• Authentication controls
• Multi-factor authentication
• Monitoring systems
• Intrusion detection systems
• Security reviews
• Employee training

No method of transmission or storage is completely secure.

Accordingly, Quikcent cannot guarantee absolute security.

8A. Security Monitoring

To protect the Services, Quikcent may monitor account activity, authentication events, device characteristics, transaction patterns, login behavior, network activity, and fraud indicators.

Such monitoring may be automated and may be used to identify suspicious activity, security incidents, account compromise, fraud, or violations of agreements and policies.

9. Security Incidents and Breach Notifications

In the event of a confirmed security incident involving personal information, Quikcent may provide notifications as required by applicable law.

Notification timing, method, content, and recipients shall be determined in accordance with applicable legal requirements and the circumstances of the incident.

10. Your Privacy Rights

Where applicable, financial institutions that provide banking services through the Quikcent platform may provide separate privacy notices required by the Gramm-Leach-Bliley Act (GLBA). Quikcent provides this Privacy Policy to describe its own data handling practices.

We will respond to verifiable privacy rights requests within the timeframe required by applicable law. Where permitted, we may extend the response period after notifying you of the reason for the extension.

Depending upon your jurisdiction, you may have rights regarding your personal information, including rights to:

• Access information
• Correct inaccurate information
• Delete certain information
• Obtain copies of information
• Restrict certain processing
• Opt out of certain uses
• Appeal certain decisions

We may require verification of identity before processing requests.

Certain requests may be denied where permitted by law.

11. Texas Privacy Rights

Residents of Texas may possess rights under the Texas Data Privacy and Security Act (TDPSA), including rights to:

• Confirm processing activities
• Access personal information
• Correct inaccuracies
• Delete personal information
• Obtain portable copies of personal information
• Opt out of certain targeted advertising
• Opt out of certain profiling activities

Requests may be submitted using the contact methods listed below.

Where required by law, users may appeal privacy-rights decisions.

12. California Privacy Rights

California residents may possess rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

California residents may have rights to:

• Know information collected
• Access information
• Correct information
• Delete information
• Limit use of sensitive information where applicable
• Opt out of certain sharing activities
• Receive information in portable form

Quikcent does not sell personal information for monetary compensation.

13. Cookies and Tracking Technologies

Quikcent may use:

• Cookies
• Pixels
• Web beacons
• SDKs
• Session technologies
• Local storage technologies
• Analytics technologies

These technologies may be used for:

• Authentication
• Security
• Performance monitoring
• Analytics
• Fraud prevention
• User preferences
• Service improvement

Users may adjust browser settings to control cookies.

Disabling certain cookies may affect Service functionality.

Cookies may be categorized as:

• Essential Cookies
• Functional Cookies
• Analytics Cookies
• Security Cookies
• Performance Cookies
• Advertising Cookies

Users may manage cookie preferences through browser settings, subject to limitations of browser functionality.

If advertising or targeting cookies are used, you will be provided an opportunity to manage your cookie preferences where required by applicable law.

13A. Do Not Track Signals

Certain web browsers may transmit "Do Not Track" signals. Because no uniform standard currently exists regarding such signals, Quikcent does not currently respond to browser-based Do Not Track mechanisms except as otherwise required by law.

14. Analytics and Advertising

We may use analytics tools and service providers to better understand how users interact with the Services.

Analytics providers may collect information regarding:

• Device usage
• Navigation activity
• Technical performance
• User interactions

Where permitted by law, advertising technologies may be used to measure effectiveness of communications and promotions.

15. International Data Transfers

Information may be transferred to, processed in, and stored in the United States and other jurisdictions where Quikcent, its service providers, processors, or business partners operate.

When we transfer personal information internationally, we implement appropriate contractual, technical, and organizational safeguards designed to protect that information in accordance with applicable law.

By using the Services, you acknowledge and consent to such transfers where permitted by law.

16. Children's Privacy

The Services are not intended for individuals under eighteen (18) years of age.

Quikcent does not knowingly collect personal information from children.

If we become aware that information has been collected from a child in violation of applicable law, we may take reasonable steps to delete such information.

17. Third-party Websites and Services

The Services may contain links to third-party websites, services, applications, or resources.

Quikcent is not responsible for the privacy, security, or data handling practices of third parties.

Users should review applicable third-party privacy notices.

18. Appeals Process

Where required by applicable law, individuals may appeal privacy-rights decisions by contacting Quikcent using the contact information below.

Appeals will be reviewed in accordance with applicable law.

19. Changes to This Privacy Policy

Quikcent may modify this Privacy Policy at any time.

Updated versions become effective upon posting unless otherwise specified.

Continued use of the Services after publication of modifications constitutes acceptance of the revised Privacy Policy.

20. Contact Information

Quikcent, LLC

Address:
3120 Southwest Fwy Ste 101 #496973 Houston, TX 77098

Support Email: support@quikcent.com

Privacy Email: privacy@quikcent.com

Legal Email: legal@quikcent.com

Telephone: +1 (888) 208-4546

Website: www.quikcent.com

21. Notice to Merchants

Merchants remain solely responsible for compliance with all laws applicable to their own collection, processing, storage, use, and disclosure of customer information.

Nothing in this Privacy Policy relieves merchants of their independent legal obligations regarding:

• Consumer privacy
• Marketing communications
• Email compliance
• SMS compliance
• Consumer disclosures
• Data security
• Payment card compliance
• Industry-specific regulations

22. Entire Privacy Notice

This Privacy Policy constitutes Quikcent's primary privacy notice regarding the Services and supplements any additional notices, disclosures, or agreements provided in connection with specific products, services, promotions, or regulatory requirements.