Effective Date: 07/20/2026

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 https://yappay.app, submit applications, use our websites, request payment processing or business banking services, communicate with us, or otherwise interact with our products and services (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read and agree to the practices described in this Privacy Policy.

1. Information We Collect

1.1 Information You Provide

We may collect information that you voluntarily provide, 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, or support

1.2 Merchant & Business Banking Applications

If you apply for payment processing, merchant services, or business banking products through YapPay, we may collect additional information required to evaluate your application, verify your identity, and comply with applicable laws and financial regulations.

This information may include:

• Employer Identification Number (EIN)

• Business ownership information

• Government-issued identification

• Beneficial ownership information

• Banking information

• Financial information

• Supporting underwriting documentation

Application information may be shared with sponsoring financial institutions, payment processors, banking partners, gateway providers, identity verification providers, and fraud prevention services solely for the purpose of underwriting, servicing, maintaining, and supporting your account.

YapPay does not make underwriting decisions. Approval for payment processing and business banking products is subject to our financial institution and processing partners.

1.3 Information Collected Automatically

When you visit our website or use our Services, we may automatically collect information including:

• IP address

• Browser type

• Device information

• Operating system

• Pages viewed

• Time spent on our website

• Referring websites

• Clickstream data

• Approximate geographic location derived from your IP address

This information helps us improve our Services, enhance security, and better understand how visitors use our website.

1.4 Information From Third Parties

We may receive information from trusted third parties including:

• Payment processors

• Banking partners

• Payment gateways

• Analytics providers

• Customer relationship management platforms

• Marketing platforms

• Identity verification providers

• Fraud prevention providers

• Publicly available business records

2. How We Use Your Information

We use your information to:

• Provide payment processing services

• Provide business banking solutions through our financial partners

• Process merchant applications

• Verify identity

• Prevent fraud

• Comply with Know Your Customer (KYC), Anti-Money Laundering (AML), Bank Secrecy Act (BSA), OFAC, PCI DSS, and other applicable legal requirements

• Respond to inquiries and provide customer support

• Improve our website and Services

• Personalize your experience

• Analyze website performance

• Send account notifications and service-related communications

• Deliver marketing communications where permitted by law

• Protect our business, customers, and systems

YapPay does not sell your personal information.

3. How We Share Information

We may share information with:

• Payment processors

• Sponsoring acquiring banks

• Banking partners

• Payment gateway providers

• Financial technology providers

• Identity verification providers

• Fraud prevention providers

• Cloud hosting providers

• Analytics providers

• Customer support providers

• Marketing and CRM platforms

• Professional advisors

• Government agencies or regulators when required by law

• Parties involved in mergers, acquisitions, financing transactions, or asset sales

Information is shared only as necessary to operate our Services, fulfill legal obligations, or provide the products and services you request.

4. Payment Processing & Business Banking

YapPay provides payment processing solutions through registered Independent Sales Organizations (ISOs), payment processors, sponsoring financial institutions, and technology partners.

Business banking products are offered through YapPay Financial Powered by Netevia Banking Services and other authorized financial institution partners.

YapPay is not a bank and does not directly accept deposits or provide banking services.

Sensitive payment information is processed securely by PCI DSS compliant payment providers. YapPay does not store full payment card numbers or sensitive authentication data except where expressly permitted under applicable PCI DSS requirements.

5. PCI DSS Compliance

YapPay utilizes PCI DSS compliant payment technologies and works with PCI DSS certified payment processors, gateways, and financial institutions.

Sensitive payment information is transmitted securely and handled directly by our authorized payment partners.

6. Cookies & Online Technologies

We use cookies and similar technologies to:

• Operate and improve our website

• Remember user preferences

• Measure website traffic

• Analyze visitor behavior

• Improve customer experience

• Deliver relevant advertising

• Evaluate marketing effectiveness

Trusted third-party service providers may also use cookies, analytics technologies, pixels, and similar tools.

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

Our website does not currently respond to "Do Not Track" browser signals.

7. Communications

By providing your contact information, you consent to receive communications regarding:

• Merchant applications

• Business banking applications

• Customer support

• Account servicing

• Appointment reminders

• Security notifications

• Product updates

• Marketing communications where permitted by applicable law

You may opt out of promotional communications at any time. Transactional and account-related communications may still be sent as necessary.

8. Artificial Intelligence & Automation

YapPay may utilize artificial intelligence, automation, and virtual assistants to improve customer service, answer questions, schedule appointments, qualify leads, and enhance the overall customer experience.

These technologies operate under human oversight and are used solely to support our Services.

9. Data Retention

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

• Provide our Services

• Maintain customer accounts

• Comply with legal and regulatory obligations

• Resolve disputes

• Enforce agreements

• Prevent fraud

• Meet applicable record retention requirements

10. Your Privacy Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including the right to:

• Access your personal information

• Correct inaccurate information

• Request deletion of personal information

• Restrict certain processing activities

• Object to certain uses of your information

• Opt out of marketing communications

California residents may have rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).

Residents of the European Economic Area may have rights under the General Data Protection Regulation (GDPR).

Privacy requests may be submitted by emailing [email protected].

11. International Users

Our Services are operated from the United States.

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

12. Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

These safeguards include encryption technologies where appropriate, secure hosting environments, access controls, authentication procedures, continuous monitoring, and partnerships with PCI DSS compliant service providers.

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

13. Third-Party Websites

Our Services may contain links to third-party websites, payment portals, scheduling tools, embedded applications, or other services that operate independently from YapPay.

We are not responsible for the privacy practices or content of third-party websites. We encourage you to review their privacy policies before providing personal information.

14. Children's Privacy

Our Services are intended for businesses and individuals who are at least 18 years of age.

We do not knowingly collect personal information from children under the age of 13. If we become aware that such information has been collected, we will promptly delete it.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our Services, legal requirements, or business practices.

The updated version will be posted on this page with a revised Effective Date.

Your continued use of our Services after changes become effective constitutes acceptance of the updated Privacy Policy.

16. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:

YapPay®

Privacy: [email protected]

General Support: [email protected]

Website: https://yappay.app

YapPay® is a registered trademark of Dubau Ventures, LLC. Business banking products are offered through YapPay Financial Powered by Netevia Banking Services and other authorized financial institution partners. YapPay is not a bank. Payment processing services are provided through registered Independent Sales Organizations, sponsoring financial institutions, and authorized payment processing partners.