Privacy Policy

Effective Date: January 10, 2026

PaySite.us ("we," "us," or "our") operates a loan payment tracking portal that enables users to manage loan payments, contracts, and related financial activities. We are committed to protecting the privacy and security of your personal information in accordance with applicable laws and financial industry standards, including but not limited to the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA) where applicable, the Payment Card Industry Data Security Standard (PCI DSS), and general data protection principles. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, services, or interact with us.

By using our services, you consent to the practices described in this Privacy Policy. If you do not agree, please do not use our platform.

1. Information We Collect

We collect information to provide and improve our loan payment tracking, management, and reporting services. The types of information we may collect include:

Personal Information

• Identifiers such as your name, email address, postal address, phone number, and other details deemed necessary for the loan contract.

• Account credentials, including usernames and passwords.

Financial Information

• Payment details, such as bank account numbers, routing numbers (for ACH transfers), credit card numbers, expiration dates, and CVV codes.

• Loan-related data, including loan amounts, terms, payment history, contract details, and e-signatures.

Usage and Technical Information

• Device information, such as IP address, browser type, operating system, and device identifiers.

• Interaction data, including pages visited, time spent on the site, and referral sources.

• Cookies and similar tracking technologies (see Section 7 for details).

We collect this information directly from you (e.g., during account registration, payment submissions, or contract uploads), automatically through your use of the site, or from third parties (e.g., payment processors or credit reporting agencies, with your consent where required).

2. How We Use Your Information

We use your information solely for business purposes related to providing our services. Specifically:

• To facilitate loan setup, payment processing (via ACH or credit card), notifications, and tracking.

• To manage contracts, including preparation, e-signing, storage, and amendments.

• To generate reports for tax filing, payment history, and loan management.

• To communicate with you, such as sending payment reminders, service updates, or responding to inquiries.

• To improve our platform, including analyzing usage patterns and troubleshooting issues.

• To comply with legal obligations, prevent fraud, and enforce our terms.

Important: We do not sell your personal information to third parties. We also do not use your data for non-business purposes, such as unrelated marketing or advertising outside of our services.

3. Sharing and Disclosure of Information

We may share your information in the following limited circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating our platform, such as payment processors (e.g., for ACH and credit card transactions), cloud storage providers, and e-signature services. These providers are contractually obligated to protect your data and use it only for the services they provide to us.

• Legal and Compliance Requirements: As required by law, regulation, or legal process (e.g., subpoenas, court orders). This includes sharing with regulatory authorities for anti-money laundering (AML), know-your-customer (KYC), or tax reporting purposes.

• Business Transfers: In connection with a merger, acquisition, or sale of assets, where your information may be transferred as a business asset.

• Protection of Rights: To protect our rights, property, or safety, or that of our users or others, including fraud detection and prevention.

We do not share your information with unaffiliated third parties for their own marketing purposes without your explicit consent.

4. Data Security

We prioritize the security of your information and implement industry-standard measures to protect it, including:

• RSA4096 Encryption of sensitive data in transit (using TLS/SSL) and at rest.

• Enable 2-Factor Authentication, for a more secure login

• Compliance with PCI DSS for handling credit card information.

• Access controls, firewalls, and regular security audits.

• Secure storage of financial and personal data, in a SOC2 approved infrastructure

While we strive to use commercially acceptable means to protect your information, no method of transmission over the internet or electronic storage is 100% secure. You acknowledge that you provide information at your own risk.

In the event of a data breach, we will notify affected users and relevant authorities as required by law (e.g., within 72 hours under certain regulations).

5. Your Rights and Choices

Depending on your location and applicable laws (e.g., CCPA for California residents), you may have the following rights regarding your personal information:

• Access: Request details about the information we hold about you.

• Correction: Update or correct inaccurate information.

• Deletion: Request deletion of your data, subject to legal retention requirements (e.g., for financial records).

• Opt-Out: Opt out of certain data uses, such as automated decision-making or marketing communications.

• Portability: Receive your data in a portable format.

To exercise these rights, contact us at contact@PaySite.us or (321) 490-6780. We may require verification of your identity. We will respond to requests within the timeframes required by law (e.g., 45 days under CCPA).

You can also manage preferences through your account dashboard, such as updating payment information or notification settings.

6. Retention of Information

We retain your information only as long as necessary for the purposes outlined in this Policy, or as required by law. For example:

• Financial transaction records may be kept for up to 7 years for tax and auditing purposes.

• Account information is retained while your account is active and for a reasonable period thereafter.

After retention periods expire, we securely delete or anonymize data.

7. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance functionality, analyze usage, and personalize your experience. These may include:

• Essential cookies for site operation (e.g., session management).

• Analytics cookies to track site performance.

• Functional cookies for remembering preferences.

You can manage cookies through your browser settings. Disabling them may limit site functionality. We do not use cookies for third-party advertising.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect information from children under 13 (or under 16 in certain jurisdictions). If we learn we have collected such information, we will delete it promptly.

Website users who “Agree to this Privacy Policy”, are expected to be of age 18 or older.

9. International Data Transfers

If you are located outside the United States, note that your information may be transferred to and processed in the U.S., where data protection laws may differ from those in your country. By using our services, you consent to such transfers. We use appropriate safeguards, such as standard contractual clauses, for international transfers.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes via email or a prominent notice on our website. The updated policy will be effective upon posting, with the new effective date indicated.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at:

• Email: contact@PaySite.us

• Phone: (321) 490-6780

• Mailing Address: Proways Consulting LLC. 1317 Edgewater Drive, Orlando, FL 32804

We are committed to resolving any privacy concerns promptly.