Privacy Policy

Revlayne LLC ("Revlayne," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website revlayne.com (the "Site"), use our services, or otherwise interact with us.

Revlayne operates as an independent sales organization (ISO) and lead generation platform for merchant services. We connect businesses seeking payment processing solutions with our acquiring bank partners and payment processors. We do not directly process payments, hold merchant funds, or provide banking services.

By accessing or using our Site or services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our Site or services.

We collect information from you in various ways, including when you provide it directly to us, when third parties provide it to us, and when it is collected automatically through your use of our Site.

2.1 Information You Provide Directly

When you inquire about our services, request a quote, or submit an application for merchant services, we may collect the following categories of information:

• Contact Information: Full legal name, email address, telephone number, mailing address, and preferred method of communication.
• Business Information: Legal business name, doing-business-as (DBA) name, business address, business telephone number, business email, tax identification number (EIN/TIN), business structure (sole proprietorship, LLC, corporation, partnership, etc.), date of business formation, state of incorporation, and industry classification (SIC/MCC codes).
• Financial Information: Estimated monthly processing volume, average transaction amount, current payment processor (if applicable), bank account information for settlement purposes, and business financial statements when required for underwriting.
• Principal/Owner Information: Names, dates of birth, Social Security numbers, home addresses, ownership percentages, and contact information for all principals, owners, officers, or partners with 25% or greater ownership stake, or significant management responsibility.
• Processing History: Previous merchant account statements, chargeback history, processing history, and any prior terminations from payment processing services.
• Website and Business Operations: Business website URL, description of products or services sold, fulfillment and delivery methods, refund and return policies, and customer service practices.

2.2 Information Collected Automatically

When you visit our Site, we automatically collect certain information about your device and your use of our Site, including:

• Device Information: IP address, browser type and version, operating system, device type, device identifiers, screen resolution, and language preferences.
• Usage Information: Pages viewed, links clicked, time spent on pages, referring URL, exit pages, and navigation paths through our Site.
• Location Information: General geographic location based on IP address, and precise location if you grant permission through your device settings.
• Cookie and Tracking Data: Information collected through cookies, web beacons, pixel tags, and similar tracking technologies as described in our Cookie Policy.

2.3 Information from Third Parties

We may receive information about you from third parties, including:

• Credit Reporting Agencies: Credit reports and credit scores for principals and business entities as part of the underwriting process.
• Identity Verification Services: Results of identity verification, background checks, and OFAC/sanctions screenings.
• Business Information Providers: Business credit reports, public records, and other commercially available information about your business.
• Marketing Partners: Lead information from affiliated websites, marketing partners, and referral sources.
• Our Acquiring Partners: Information related to your merchant account application status, approval decisions, and ongoing account performance.

We use the information we collect for various purposes, including:

3.1 Processing and Facilitating Merchant Applications

• Evaluating your eligibility for merchant services
• Preparing and submitting merchant account applications to our acquiring bank partners
• Facilitating communication between you and our acquiring partners during the underwriting process
• Conducting due diligence, identity verification, and fraud prevention activities
• Complying with legal and regulatory requirements, including anti-money laundering (AML) and Know Your Customer (KYC) obligations

3.2 Providing and Improving Our Services

• Responding to your inquiries and providing customer support
• Communicating with you about your application status and account
• Analyzing usage patterns to improve our Site and services
• Developing new products, services, and features
• Conducting research and analytics

3.3 Marketing and Communications

• Sending promotional communications about our services (with your consent where required)
• Providing information about products, services, and promotions from our partners
• Personalizing your experience and delivering targeted advertising
• Conducting surveys and collecting feedback

3.4 Legal and Compliance

• Complying with applicable laws, regulations, and legal processes
• Responding to lawful requests from public authorities, including law enforcement
• Protecting our rights, privacy, safety, or property, and that of our affiliates, partners, and others
• Enforcing our terms and conditions and other agreements
• Preventing, detecting, and investigating fraud, security breaches, and other prohibited activities

We may share your information with the following categories of recipients:

4.1 Acquiring Bank Partners

As an ISO, our primary function is to facilitate merchant account applications with acquiring banks. When you submit an application through our Site, we share your information with our acquiring partners, including Elavon, Inc. and its affiliates, for the purpose of evaluating, underwriting, and potentially approving your merchant account application. Once your information is shared with an acquiring partner, it becomes subject to that partner's privacy policy and practices. We encourage you to review the privacy policies of our acquiring partners.

4.2 Service Providers

We engage third-party service providers to perform functions on our behalf, including:

• Cloud hosting and data storage providers
• Customer relationship management (CRM) platforms
• Email service providers
• Analytics and marketing services
• Identity verification and fraud prevention services
• Credit reporting agencies
• Professional advisors (attorneys, accountants, auditors)

These service providers are contractually obligated to use your information only for the purposes of providing services to us and in accordance with this Privacy Policy.

4.3 Business Transfers

If Revlayne is involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

4.4 Legal Requirements and Protection of Rights

We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to:

• Comply with a legal obligation, including lawful requests by public authorities
• Respond to claims that any content violates the rights of third parties
• Protect and defend our rights or property
• Prevent or investigate possible wrongdoing in connection with our services
• Protect the personal safety of users of our Site or the public

4.5 With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

We implement appropriate technical and organizational security measures designed to protect the security of any personal information we process. These measures include, but are not limited to:

• Encryption: All data transmitted to and from our Site is encrypted using industry-standard TLS/SSL encryption. Sensitive data at rest is encrypted using AES-256 encryption.
• Access Controls: Access to personal information is restricted to authorized personnel who need access to perform their job functions. All access is logged and monitored.
• Network Security: Our infrastructure is protected by enterprise-grade firewalls, intrusion detection systems, and regular security assessments.
• Employee Training: All employees receive regular training on data protection and security best practices.
• Vendor Management: We conduct due diligence on all service providers and require them to maintain appropriate security measures.
• Incident Response: We maintain incident response procedures to address any potential security breaches promptly.

However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. In the event of a data breach affecting your personal information, we will notify you and any applicable regulator in accordance with applicable law.

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy any legal, regulatory, accounting, or reporting requirements. The retention period may vary depending on the context of our relationship with you and the nature of the information.

For merchant application data, we generally retain information as follows:

• Approved Applications: Information related to approved merchant accounts is retained for the duration of the merchant relationship plus seven (7) years, or longer if required by law or contract.
• Declined Applications: Information related to declined applications is retained for five (5) years from the date of decline.
• Incomplete Applications: Information from incomplete applications is retained for two (2) years from the date of last activity.
• Marketing Data: Marketing preferences and communication history are retained until you opt out or request deletion.
• Website Usage Data: Automatically collected data is generally retained for up to twenty-six (26) months.

When personal information is no longer necessary for the purposes for which it was collected, we will securely delete or anonymize it in accordance with our data retention policies and applicable law.

Depending on your location and applicable law, you may have certain rights regarding your personal information:

7.1 Access and Portability

You have the right to request access to the personal information we hold about you and to receive a copy of that information in a structured, commonly used, and machine-readable format.

7.2 Correction

You have the right to request that we correct any inaccurate or incomplete personal information we hold about you.

7.3 Deletion

You have the right to request that we delete your personal information, subject to certain exceptions. Please note that we may be required to retain certain information for legal or regulatory compliance purposes, to complete transactions, or to fulfill other legitimate business purposes.

7.4 Opt-Out of Marketing

You may opt out of receiving promotional communications from us by following the unsubscribe instructions included in each email or by contacting us directly. Please note that even if you opt out of marketing communications, we may still send you transactional or administrative communications related to your account or our services.

7.5 Cookie Preferences

You can manage your cookie preferences through your browser settings or through our cookie consent tool. Please see our Cookie Policy for more information.

7.6 Exercising Your Rights

To exercise any of these rights, please contact us using the contact information provided below. We will respond to your request within the timeframe required by applicable law. We may need to verify your identity before processing your request.

Please note that certain information may have already been shared with our acquiring bank partners. To exercise rights with respect to information held by our partners, you will need to contact them directly.

If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), provides you with additional rights regarding your personal information.

In the preceding twelve (12) months, we have collected the following categories of personal information:

• Identifiers (name, email, phone number, IP address)
• Personal information categories listed in Cal. Civ. Code Section 1798.80(e) (name, address, SSN, financial information)
• Commercial information (business information, transaction history)
• Internet or network activity (browsing history, search history, Site interactions)
• Geolocation data
• Professional or employment-related information
• Inferences drawn from the above categories

We do not sell personal information as defined under the CCPA/CPRA. We may share personal information with our acquiring bank partners for business purposes as described in this Privacy Policy. California residents have the right to opt out of the "sharing" of personal information for cross-context behavioral advertising purposes.

California residents may exercise their rights by contacting us at privacy@revlayne.com or by calling our toll-free number. We will not discriminate against you for exercising your CCPA rights.

Revlayne is based in the United States. If you are accessing our Site or services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States and other countries where our service providers operate.

Data protection laws in these countries may differ from those of your country of residence. By using our Site or services, you consent to the transfer of your information to the United States and other countries as described in this Privacy Policy.

For transfers of personal information from the European Economic Area (EEA), United Kingdom, or Switzerland, we rely on appropriate legal mechanisms, including Standard Contractual Clauses approved by the European Commission, to ensure an adequate level of protection for your personal information.

Our Site and services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a child under 18 without verification of parental consent, we will take steps to remove that information from our servers.

Our Site may contain links to third-party websites, services, or applications that are not operated by us. This Privacy Policy does not apply to those third-party sites or services. We encourage you to review the privacy policies of any third-party sites or services before providing any personal information. We are not responsible for the content, privacy practices, or security of any third-party sites or services.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes to this Privacy Policy, we will notify you by posting the updated policy on our Site with a new "Last Updated" date. We may also notify you through other means, such as email or a prominent notice on our Site.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of our Site or services after any changes to this Privacy Policy will constitute your acceptance of such changes.

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

For complaints regarding our handling of your personal information, you may also contact your local data protection authority.