1st Financial Merchant Group, LLC ("1st FMG," "We," "Us," or "Our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you visit interchangepassthrough.com (the "Website") and when you interact with our related services (the "Services"). It also explains your privacy rights and choices.
By using the Website, you agree to the collection and use of information in accordance with this Policy. If you do not agree, please do not use the Website.
INTERPRETATION AND DEFINITIONS
Interpretation
Capitalized terms have meanings defined below. These definitions apply whether the terms appear in singular or plural.
Definitions
Account means a unique account created for you to access certain parts of the Services (if enabled).
Company (referred to as either "the Company," "we," "us," or "our" in this Policy) refers to 1st Financial Merchant Group, LLC.
Cookies are small files placed on your device (computer or mobile) to store certain information.
Device means any device that can access the Services (e.g., a computer, cellphone, or tablet).
Personal Data is any information that relates to an identified or identifiable individual.
Service Provider means any third‑party company or individual who processes data on our behalf to facilitate the Services (e.g., hosting, analytics, communications, customer support, payment partners).
Usage Data refers to data automatically collected by the Website or its infrastructure (for example, time spent on a page).
Website refers to interchangepassthrough.com.
You means the individual accessing or using the Services, or the company or other legal entity on whose behalf that individual accesses or uses the Services.
INFORMATION WE COLLECT
A) Information You Provide to Us
Contact information (name, email address, phone number, company, role)
Business profile details relevant to merchant‑services evaluation (e.g., industry, estimated monthly processing volume, card mix) submitted through forms or calculators
Communications (messages, support requests, meeting bookings)
Uploads (e.g., merchant processing statements you choose to provide for an interchange‑plus or pass‑through comparison). Please do not upload cardholder primary account numbers (PANs), magnetic‑stripe data, or CVV/CVC.
B) Information Collected Automatically
Usage Data (IP address, browser type and version, device type, operating system, pages viewed, referring/exit pages, date/time stamps, time spent on pages, and interaction data)
Cookies and similar technologies (see Cookies below)
Approximate location inferred from IP address
C) Information from Third Parties
Service Providers and Partners (e.g., analytics platforms, cloud hosting, communications tools)
Public sources (e.g., business registries, social media posts you make public)
We collect only what is reasonably necessary and proportionate for the purposes described below.
HOW WE USE INFORMATION
We use Personal Data to:
Provide and operate the Website and Services
Evaluate merchant‑services needs and prepare interchange‑pass‑through or savings analyses and proposals
Respond to inquiries and provide customer support
Communicate with you about updates, offers, and relevant content (you may opt out at any time)
Improve the Website and Services (including debugging, analytics, and research)
Ensure security, prevent fraud, and enforce our terms
Comply with legal obligations
WHEN WE SHARE INFORMATION
We do not sell Personal Data. We may share Personal Data with:
Service Providers/Processors (hosting, storage, analytics, communications, customer support, document management)
Professional advisors (legal, accounting, auditing)
Business transfers (in connection with a merger, acquisition, financing, or sale of assets)
Legal and safety purposes (to comply with law, lawful requests, and to protect rights, property, or safety)
Service Providers may access Personal Data only to perform services on our behalf and must protect it per our instructions and applicable laws.
DATA RETENTION
We retain Personal Data only as long as necessary to fulfill the purposes outlined in this Policy, including to comply with legal, accounting, or reporting requirements. We use criteria such as the nature and sensitivity of the data, the purposes of processing, and applicable law
SECURITY
We use administrative, technical, and physical safeguards designed to protect Personal Data (e.g., encryption in transit, access controls, least‑privilege, vendor due diligence, and backups). No method of transmission or storage is 100% secure. If we learn of a breach affecting your data, we will notify you as required by law.
YOUR RIGHTS AND CHOICES
Your rights depend on your location. Subject to verification and exceptions, you may have the right to access, correct, delete, restrict, object, and port your Personal Data, and to withdraw consent where processing is based on consent.
California (CCPA/CPRA)
Right to know/access categories and specific pieces of Personal Data collected
Right to correct inaccuracies and delete Personal Data
Right to opt out of sale or sharing for cross‑context behavioral advertising (we do not sell Personal Data; if we ever engage in sharing, you may opt out via Your Privacy Choices)
Right to limit the use/disclosure of sensitive Personal Data (we do not use sensitive Personal Data to infer characteristics)
Non‑discrimination for exercising your rights
CHILDRENS' PRIVACY
Our Service is not directed to children under 13, and we do not knowingly collect Personal Data from children under 13. If we learn that we have collected such data without parental consent, we will take steps to delete it.
COOKIES AND SIMILAR TECHNOLOGIES
We use cookies, web beacons, and local storage to:
Enable core functionality (e.g., session management, security)
Remember preferences
Perform analytics and measure performance
(If applicable) deliver or measure advertising
You can control cookies via your browser settings or our [Cookie Preferences] banner (if enabled). Disabling cookies may affect certain features.
Analytics: We may use analytics tools (e.g., Google Analytics) that collect IP address, device identifiers, and usage data under their own terms and policies. Where required, we configure settings to respect regional choices and offer opt‑outs.
