Premium Merchant Group LLC ("PMG," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, protect and retain information when you visit our website, submit an inquiry, request merchant-service information, express interest in equipment, refer a business, inquire about becoming a representative, or otherwise communicate with PMG.
By using this website or submitting information to PMG, you acknowledge the practices described in this Privacy Policy.
1. Information We Collect
We may collect information that you voluntarily provide through forms, telephone calls, email, referrals or other communications.
This may include:
- Name
- Business name
- Email address
- Telephone number
- Business type or industry
- Whether the business is new or existing
- Current payment-processing or POS needs
- Equipment or software interests
- Interest in becoming a PMG representative or referral partner
- Referral information
- Messages or questions submitted to PMG
- Other information you voluntarily provide in connection with an inquiry
2. Information Collected Automatically
When you visit our website, certain information may be collected automatically through hosting systems, server logs, cookies, analytics tools or similar technologies.
This information may include:
- IP address
- Browser type
- Device type
- Operating system
- Approximate geographic region
- Pages viewed
- Referring website or source
- Date and time of visits
- Website interactions
- General diagnostic and performance information
This information may be used to operate, secure, analyze and improve the website.
3. How We Use Information
PMG may use information we collect to:
- Respond to inquiries
- Discuss payment-processing and merchant-service options
- Evaluate a business's general payment needs
- Provide information about POS systems, terminals, software and related technology
- Assist with merchant-account applications and onboarding
- Connect prospective merchants with appropriate processors, acquiring institutions or technology providers
- Provide customer and merchant support
- Follow up regarding equipment requests
- Administer referral opportunities
- Respond to individuals interested in becoming PMG representatives
- Prevent fraud and abuse
- Protect PMG, merchants and service providers
- Maintain business records
- Improve our website and services
- Comply with legal and regulatory obligations
4. Merchant Applications and Underwriting
General forms on the PMG website are intended primarily for initial inquiries and lead information.
If you decide to apply for merchant-processing services, PMG or an applicable processing partner may direct you to a separate secure application, underwriting or verification process.
Information required during underwriting may include information that is substantially more sensitive than information collected through this website and may be collected directly by the processor, acquiring institution or other applicable provider.
5. Sensitive Information
Unless you are specifically directed to a secure process designed to receive such information, please do not submit any of the following through a general website form:
- Full credit or debit card numbers
- Card security codes
- Social Security numbers
- Bank-account passwords
- Online-banking credentials
- Account passwords
- Government identification images
- Tax documents
- Sensitive underwriting documents
- Other authentication credentials
If such information is required for merchant underwriting, you may be directed to an appropriate secure provider or application system.
6. How We Share Information
PMG may share information when reasonably necessary to respond to your inquiry, provide requested services, facilitate merchant processing or operate our business.
Recipients may include:
- Payment processors
- Acquiring banks or financial institutions
- Independent sales organizations
- Payment gateways
- POS and equipment providers
- Software providers
- Merchant-account underwriting providers
- Fraud-prevention and risk-management providers
- CRM and customer-management providers
- Email and communications providers
- Website hosting and infrastructure providers
- Analytics and measurement providers
- Professional advisors
- Other service providers reasonably necessary to fulfill your request
Information shared with processors, financial institutions, gateways or other providers may also be subject to those companies' privacy policies and agreements.
7. Fraud Prevention, Risk Review and MATCH
Merchant-service applications may be subject to fraud, underwriting and risk review by PMG and applicable third-party providers.
Information associated with a prospective merchant may be checked against fraud-prevention, identity-verification, terminated-merchant or other industry risk systems, including the Mastercard MATCH system where applicable.
Such reviews may be performed by processors, acquiring banks, card networks or other authorized service providers according to their own legal obligations, agreements and privacy practices.
8. Learn to Earn and Referral Information
If you express interest in becoming a PMG representative or referral partner, we may collect and use your contact and business information to:
- Respond to your inquiry
- Discuss representative opportunities
- Provide training or program information
- Evaluate eligibility
- Prepare applicable agreements
- Track qualifying merchant referrals
- Calculate referral or representative compensation
- Maintain records of merchant activation and processing
- Meet tax-reporting or legal obligations
Additional information may be required if you enter into a formal representative or referral relationship with PMG.
9. Communications
When you submit your phone number or email address, PMG may use that information to respond to your inquiry and communicate with you about the services, equipment, referral opportunity or representative opportunity you requested.
You may request that PMG stop non-essential marketing communications.
Submission of a general inquiry form does not automatically constitute consent to receive unrelated automated marketing text messages where separate consent is legally required.
10. Cookies and Similar Technologies
PMG's website may use cookies, pixels, analytics tools and similar technologies to support website functionality, remember preferences, measure traffic, understand website performance, identify referral sources and improve our services.
We may also use advertising or measurement technologies in connection with marketing campaigns.
Your browser may allow you to block or delete cookies. Doing so may affect certain website functionality.
11. Analytics and Advertising
PMG may use third-party analytics or advertising services to understand how visitors reach and use our website and to measure the effectiveness of advertising campaigns.
These providers may collect device, browser, interaction or advertising-related information in accordance with their own privacy policies and applicable law.
Where applicable law requires consent or provides opt-out rights for certain advertising or tracking technologies, PMG may provide appropriate controls or notices.
12. We Do Not Sell Personal Information for Money
PMG does not sell personal information to third parties in exchange for money.
We may disclose information to processors, financial institutions, technology providers, advertising or analytics vendors and other service providers for the business purposes described in this Privacy Policy.
13. Data Security
PMG uses reasonable administrative, technical and organizational measures designed to protect information against unauthorized access, disclosure, alteration or loss.
However, no website, communication method or electronic storage system can be guaranteed to be completely secure.
Users should avoid sending sensitive credentials or financial information through ordinary email or general website forms.
14. Data Retention
PMG may retain personal information for as long as reasonably necessary for the purposes for which it was collected, including responding to inquiries, maintaining merchant or referral records, administering business relationships, preventing fraud, resolving disputes and satisfying legal, tax, contractual or regulatory requirements.
Retention periods may vary depending on the nature of the information and the applicable relationship.
15. Third-Party Websites and Services
Our website may contain links to or integrations with websites, processors, banks, POS providers, payment gateways, software providers or other third-party services.
PMG is not responsible for the privacy practices of third-party services. We encourage you to review their privacy policies before providing information directly to them.
16. Children's Privacy
PMG's website and merchant services are intended for businesses and adults. They are not directed to children under the age of 13.
PMG does not knowingly collect personal information from children under 13 through this website.
17. Your Privacy Choices and Rights
Depending on where you reside, applicable law may provide rights concerning your personal information.
These rights may include the ability to request:
- Access to certain personal information
- Correction of inaccurate information
- Deletion of certain information
- Information about categories of information collected
- Information about categories of recipients
- Opt-out of certain uses or disclosures where required by law
These rights are subject to applicable legal exceptions, verification requirements and record-retention obligations.
PMG may need to retain certain information even after receiving a deletion request where retention is required or permitted for contractual, fraud-prevention, accounting, tax, regulatory, litigation or other lawful purposes.
18. Do Not Track Signals
Some browsers provide "Do Not Track" or similar settings. Because there is not a single universally accepted standard governing all such signals, website responses may vary depending on the technologies and services in use.
19. Business Transfers
Information may be transferred as part of a merger, acquisition, financing, restructuring, sale of assets or other business transaction involving PMG, subject to applicable law.
20. Legal and Regulatory Disclosures
PMG may disclose information where reasonably necessary to:
- Comply with applicable law
- Respond to lawful requests or legal process
- Protect PMG's rights or property
- Investigate or prevent fraud
- Protect merchants, customers or other persons
- Enforce applicable agreements
- Meet processor, card-network or regulatory obligations
21. Changes to This Privacy Policy
PMG may update this Privacy Policy from time to time to reflect changes in our website, services, technologies, legal obligations or business practices.
Updated versions will be posted on this website with a revised effective date.
22. Contact Us
Questions or privacy requests concerning this Privacy Policy may be directed to:
You may also contact PMG through the contact form available on this website.
23. Related Terms
Your use of the PMG website is also subject to our Terms & Conditions.