YapPay

Privacy Policy

YapPay

Privacy Policy

Effective Date: 08/20/2026

YapPay® ("YapPay," "we," "our," or "us"), a registered trademark of Dubau Ventures, LLC, is committed to protecting your privacy and safeguarding the information you share with us.

This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit yappay.app, submit applications, request payment processing or banking products or services, communicate with us, or otherwise interact with our websites, products, and services (collectively, the "Services").

YapPay provides access to payment processing and related financial technology solutions through authorized processing, banking, and technology partners. YapPay is an Authorized Certified Banking Agent of Netevia and provides access to Netevia Banking Services for eligible businesses. YapPay is not a bank and does not directly accept deposits or provide banking services.

By accessing or using our Services, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

1.1 Information You Provide

We may collect information that you voluntarily provide to us, including:

Name
Business name
Email address
Telephone number
Business address
Business website
Information submitted through contact forms
Communications sent by email, phone, SMS, chat, or customer support
Information provided when requesting pricing, demonstrations, consultations, applications, or support

1.2 Merchant Processing and Banking Applications

If you apply for payment processing, merchant services, Netevia Banking Services, or other financial products made available through YapPay, we or our authorized partners may collect additional information necessary to process and evaluate your application, verify your identity, prevent fraud, and comply with applicable laws and financial-services requirements.

This information may include:

Employer Identification Number (EIN)
Business ownership information
Government-issued identification
Beneficial ownership information
Banking and account information
Financial information
Transaction and processing information
Supporting underwriting or verification documentation

Application information may be transmitted or shared with applicable sponsoring financial institutions, payment processors, Netevia, banking-service providers, gateway providers, identity-verification providers, fraud-prevention providers, and other authorized service providers as necessary to process, underwrite, establish, service, maintain, or support the products or services you request.

YapPay does not independently make bank-account or payment-processing underwriting decisions. Approval, availability, account terms, and eligibility for payment processing and banking products are determined by the applicable financial institution, processor, banking-service provider, or other authorized partner.

1.3 Information Collected Automatically

When you visit our website or interact with our Services, we may automatically collect information such as:

IP address
Browser type
Device information
Operating system
Pages viewed
Time spent on our website
Referring websites or sources
Clickstream and interaction data
Approximate geographic location derived from your IP address
Website and application performance information

We use this information to operate and improve our Services, enhance security, detect potential fraud or abuse, understand website usage, and evaluate the effectiveness of our marketing.

1.4 Information From Third Parties

We may receive information from third parties involved in providing or supporting our Services, including:

Payment processors
Sponsoring financial institutions
Netevia and other banking-service providers
Payment gateways
Financial technology providers
Analytics providers
Customer relationship management platforms
Marketing platforms
Identity-verification providers
Fraud-prevention providers
Business-information providers
Publicly available business records

2. How We Use Your Information

We may use your information to:

Facilitate payment processing and merchant services
Facilitate access to Netevia Banking Services and other eligible financial products offered by authorized partners
Process merchant and banking-service applications
Verify identity and business information
Conduct or facilitate underwriting and eligibility reviews
Detect and prevent fraud, unauthorized activity, and abuse
Support compliance with applicable Know Your Customer (KYC), Anti-Money Laundering (AML), Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), PCI DSS, and other legal, regulatory, or financial-services requirements
Respond to inquiries and provide customer support
Operate, maintain, and improve our website and Services
Personalize your experience
Analyze website and service performance
Send account, application, security, and service-related communications
Deliver marketing communications where permitted by applicable law
Protect YapPay, our customers, our partners, and our systems
Establish, exercise, or defend legal rights

YapPay does not sell your personal information for monetary consideration.

3. How We Share Information

We may disclose information to third parties when reasonably necessary to provide, support, secure, or administer the Services you request.

These parties may include:

Payment processors
Sponsoring acquiring banks and other financial institutions
Netevia and other banking-service providers
Payment gateway providers
Financial technology providers
Identity-verification providers
Fraud-prevention and risk-management providers
Cloud hosting and infrastructure providers
Analytics providers
Customer support providers
Marketing and customer relationship management platforms
Professional advisors, including attorneys, accountants, auditors, and consultants
Government agencies, regulators, courts, or law-enforcement authorities when required or permitted by law
Parties involved in an actual or proposed merger, acquisition, financing, restructuring, sale of assets, or similar corporate transaction

Information is disclosed only as reasonably necessary to operate our Services, fulfill legal and contractual obligations, protect legitimate business interests, or provide products and services requested by you.

4. Payment Processing and Netevia Banking Services

Payment Processing

YapPay provides access to payment processing and merchant-services solutions through registered Independent Sales Organizations (ISOs), payment processors, sponsoring financial institutions, gateways, and authorized technology partners.

The specific processor, financial institution, gateway, or technology provider involved may vary depending on the merchant, product, industry, underwriting requirements, and services selected.

Payment-processing approval and account terms are determined by the applicable processor and sponsoring financial institution.

Netevia Banking Services

YapPay is an Authorized Certified Banking Agent of Netevia and may market, introduce, refer, and facilitate access to Netevia Banking Services for eligible businesses.

Banking products and services marketed by YapPay under this arrangement are Netevia Banking Services products and services and are subject to applicable eligibility requirements, terms, conditions, disclosures, and program requirements.

YapPay is not a bank. YapPay does not directly accept deposits, hold customer deposits, issue bank accounts, or independently provide banking services.

Any applicable deposit-insurance coverage, banking relationships, account terms, and regulatory disclosures are determined by and provided through the applicable banking program and financial institution. Users should review the disclosures and agreements provided during the Netevia Banking Services application and account-opening process.

Payment Card Information

Sensitive payment information is processed using authorized payment technologies and service providers. YapPay does not store full payment card numbers or sensitive authentication data except where expressly permitted and handled in accordance with applicable PCI DSS requirements.

5. PCI DSS and Payment Security

YapPay utilizes payment technologies designed to support PCI DSS compliance and works with PCI DSS-compliant or certified payment processors, gateways, and financial institutions, as applicable.

Sensitive payment information may be transmitted directly to and handled by authorized payment partners rather than YapPay.

Merchants remain responsible for their own applicable PCI DSS obligations based on their payment environment and method of accepting payments.

6. Cookies and Online Technologies

We use cookies and similar technologies to:

Operate and improve our website
Maintain website functionality
Remember user preferences
Measure website traffic
Analyze visitor behavior
Improve customer experience
Deliver relevant advertising where permitted
Evaluate marketing effectiveness
Detect security threats, fraud, and abuse

Third-party service providers may also use cookies, analytics technologies, pixels, tags, and similar technologies in connection with services they provide to us.

Where required by applicable law, non-essential cookies and similar technologies may be subject to your consent choices.

You may also control certain cookies through your browser settings. Disabling cookies may affect website functionality.

Our website may not respond to all browser-based "Do Not Track" signals because there is not a universally accepted standard governing such signals.

7. Communications

By providing your contact information, you may receive communications concerning:

Merchant applications
Netevia Banking Services applications
Customer support
Account servicing
Appointments and reminders
Security notifications
Product or service updates
Requested information
Marketing communications where permitted by applicable law

You may opt out of promotional email communications using the unsubscribe mechanism provided in those communications or by contacting us.

Opting out of promotional communications does not prevent us or an applicable service provider from sending transactional, security, application-related, account-related, or legally required communications.

8. Artificial Intelligence and Automation

YapPay may use artificial intelligence, automation, chat systems, and virtual assistants to support customer service, answer general questions, schedule appointments, route inquiries, assist prospective customers, and improve the customer experience.

Information submitted through these systems may be processed by technology providers acting on our behalf.

Automated tools are not intended to independently make final banking or payment-processing underwriting decisions on behalf of sponsoring financial institutions, processors, or banking-service providers.

9. Data Retention

We retain personal information for as long as reasonably necessary to:

Provide and support our Services
Process applications and maintain applicable business records
Fulfill contractual obligations
Comply with legal and regulatory requirements
Resolve disputes
Enforce agreements
Detect and prevent fraud
Protect our legal rights
Meet applicable financial-services and record-retention requirements

Retention periods may vary depending on the nature of the information, applicable law, contractual obligations, and requirements imposed by financial institutions or other authorized partners.

10. Your Privacy Rights

Depending on where you reside, you may have certain rights regarding your personal information, which may include the right to:

Request access to personal information
Request correction of inaccurate information
Request deletion of certain personal information
Request information about categories of information collected or disclosed
Restrict certain processing activities
Object to certain uses of personal information
Opt out of certain marketing communications
Exercise other privacy rights available under applicable law

These rights are subject to applicable exceptions, including legal, regulatory, fraud-prevention, financial-services, and record-retention requirements.

California residents may have additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), where applicable.

Individuals located in the European Economic Area, United Kingdom, or other jurisdictions may have additional rights under applicable data-protection laws, including the General Data Protection Regulation (GDPR), where applicable.

Privacy requests concerning information controlled by YapPay may be submitted to [email protected].

Information maintained directly by a payment processor, financial institution, Netevia, or another independent provider may be subject to that provider's separate privacy policy and privacy-request procedures.

11. International Users

YapPay's Services are operated primarily from the United States.

If you access our Services from outside the United States, your information may be transferred to, processed, or stored in the United States or other jurisdictions in which YapPay or its service providers operate.

Privacy and data-protection laws in those jurisdictions may differ from those in your country of residence.

12. Data Security

We maintain administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction.

Depending on the information and system involved, safeguards may include:

Encryption technologies
Secure hosting environments
Access controls
Authentication procedures
Security monitoring
Fraud-prevention measures
Use of authorized payment and financial-services providers

While we take reasonable measures to safeguard information, no electronic transmission, information system, or storage method can be guaranteed to be completely secure.

13. Third-Party Services and Websites

Our Services may contain links to, integrate with, or direct users to third-party websites, payment portals, banking applications, scheduling systems, embedded applications, gateways, or other services that operate independently from YapPay.

This includes services provided by payment processors, financial institutions, Netevia, banking-service providers, and other authorized partners.

Third-party services may collect information directly from you under their own privacy policies, terms, and disclosures.

YapPay is not responsible for the privacy practices of independently operated third-party services. We encourage you to review the applicable privacy policies and terms before providing personal information.

14. Children's Privacy

Our Services are designed for businesses and adults and are not directed to children.

We do not knowingly collect personal information from children under 13. If we learn that personal information from a child under 13 has been collected through our Services without appropriate authorization, we will take reasonable steps to delete it as required by applicable law.

15. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our Services, technology, legal or regulatory requirements, partner relationships, or business practices.

When we make changes, the revised Privacy Policy will be posted on this page and the Effective Date will be updated.

Where required by applicable law, we will provide additional notice or obtain consent before material changes become effective.

16. Contact Us

If you have questions about this Privacy Policy or wish to exercise applicable privacy rights concerning information controlled by YapPay, please contact us:

YapPay®
A registered trademark of Dubau Ventures, LLC

Privacy: [email protected]
General Support: [email protected]
Website: yappay.app

Financial Services Disclosure

YapPay is an Authorized Certified Banking Agent of Netevia. Banking products and services marketed or made accessible through YapPay under this relationship are offered as Netevia Banking Services and are subject to applicable eligibility requirements, terms, conditions, disclosures, and program requirements. YapPay is not a bank and does not directly accept deposits or independently provide banking services.

Payment processing and merchant services are provided through registered Independent Sales Organizations, payment processors, sponsoring financial institutions, gateways, and other authorized payment partners, as applicable.