Privacy Policy

Shoreline Payments, LLC (“Shoreline Payments,” “Shoreline,” “we,” “us,” or “our”) respects the privacy and security of the information entrusted to us. This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you visit our websites, communicate with us, submit a referral or merchant pre-application, request merchant services, or otherwise interact with Shoreline.

This Privacy Policy applies to shorelinepay.com, preapp.shorelinepay.com, and other websites, forms, and online services operated by Shoreline that link to this Privacy Policy.

1. About Shoreline Payments

Shoreline Payments is an independent merchant-services sales and referral company.

We assist businesses and referral partners in identifying potential payment-service solutions and may facilitate introductions, applications, documentation, provider communications, underwriting coordination, onboarding, and ongoing support involving third-party merchant-service providers.

Shoreline is not a bank, card network, or acquiring bank. Payment processing, acquiring, ACH, settlement, banking, gateway, and related financial services are provided by third-party service providers and financial institutions.

Final underwriting decisions, approvals, pricing, reserves, settlement terms, processing limits, and other provider-specific requirements are determined by the applicable provider and/or financial institution.

2. Information We Collect

The information we collect depends upon your relationship with Shoreline and the products or services you request.

A. Business and Contact Information

We may collect:

• —your name;
• —business name and DBA;
• —business address;
• —residential address where relevant to an application;
• —telephone number;
• —email address;
• —business website;
• —business type and industry;
• —entity type and formation information;
• —business start date;
• —products or services offered;
• —referral-source information;
• —merchant-processing needs;
• —requested payment products or services;
• —estimated or historical processing volume;
• —average and high transaction amounts;
• —information concerning prior processing relationships, declines, terminations, chargebacks, or processing history;
• —communications with Shoreline; and
• —other information you voluntarily provide.

B. Merchant Application and Underwriting Information

When you submit a merchant pre-application, application, or supporting documentation, we may collect information necessary to evaluate and facilitate your request.

Depending upon the requested service, provider, and stage of the application process, this information may include:

• —legal business name and DBA;
• —business and residential addresses;
• —entity and formation information;
• —Employer Identification Number (“EIN”), Taxpayer Identification Number (“TIN”), or similar information;
• —ownership and beneficial-owner information;
• —owner names and ownership percentages;
• —dates of birth;
• —Social Security numbers;
• —government-issued identification numbers;
• —driver’s-license or other identification information and images;
• —telephone numbers and email addresses;
• —bank name;
• —bank routing and account information;
• —voided checks;
• —bank statements;
• —merchant processing statements;
• —financial information or documentation;
• —tax or business documentation;
• —processing history;
• —chargeback information;
• —requested processing volumes and transaction amounts;
• —identity-verification information;
• —risk, fraud, compliance, and underwriting information; and
• —other documentation or information requested by an applicable provider in connection with evaluation, underwriting, compliance, onboarding, or account establishment.

Please provide sensitive information only through submission methods designated by Shoreline or the applicable provider for that purpose.

C. Information We Receive From Other Sources

We may receive information about merchants, businesses, owners, applicants, or referral partners from:

• —referral partners;
• —merchant-service providers;
• —processors;
• —financial institutions;
• —underwriting or risk providers;
• —identity-verification providers;
• —fraud and compliance providers;
• —publicly available sources;
• —service providers; and
• —other persons or organizations involved in a requested merchant-service relationship.

D. Automatically Collected Information

When you use our websites, we or our service providers may automatically collect information such as:

• —IP address;
• —browser type;
• —device type;
• —operating system;
• —referring and exit pages;
• —pages viewed;
• —dates and times of visits;
• —general interaction and usage information;
• —approximate location derived from an IP address; and
• —cookies and similar identifiers.

The specific technologies used may change as our websites and service providers change.

3. How We Use Information

We may collect and use information to:

• —respond to inquiries;
• —communicate with merchants, applicants, owners, and referral partners;
• —understand and evaluate merchant-service needs;
• —identify potentially appropriate payment-service providers;
• —facilitate introductions and provider submissions;
• —prepare and facilitate merchant-service applications;
• —coordinate underwriting;
• —facilitate identity verification;
• —perform or facilitate fraud, compliance, and risk review;
• —facilitate merchant onboarding;
• —communicate regarding application status and additional documentation;
• —provide support;
• —administer referral relationships;
• —operate and secure our websites and systems;
• —detect, investigate, prevent, or respond to fraud, abuse, security incidents, or unlawful activity;
• —maintain business, transaction, compliance, and application records;
• —protect Shoreline, our users, providers, and other parties;
• —establish, exercise, or defend legal claims;
• —comply with legal, regulatory, contractual, banking, card-network, payment-network, provider, and law-enforcement requirements; and
• —carry out other purposes disclosed at the time information is collected or with appropriate authorization.

4. How and Why We Disclose Information

Shoreline’s business involves helping merchants obtain services offered by third parties. Accordingly, information submitted to Shoreline may need to be disclosed to appropriate third parties to evaluate, underwrite, establish, provide, or support requested services.

Depending on the circumstances, we may disclose relevant information to:

• —merchant-service providers;
• —payment processors;
• —independent sales organizations and other payment-industry partners;
• —acquiring banks and sponsor banks;
• —ACH providers and related financial institutions;
• —payment gateways and payment-technology providers;
• —underwriting and risk providers;
• —identity-verification providers;
• —fraud-prevention and compliance providers;
• —equipment and technology providers where relevant;
• —hosting, storage, security, communications, and other technology providers supporting Shoreline’s operations;
• —professional advisers, including attorneys, accountants, auditors, insurers, and consultants;
• —government agencies, regulators, courts, law-enforcement authorities, or other parties where disclosure is required or permitted by applicable law; and
• —a buyer, investor, successor, lender, or other appropriate party in connection with an actual or proposed merger, acquisition, financing, restructuring, sale of assets, or similar corporate transaction, subject to applicable requirements.

We do not necessarily provide every category of information to every recipient. Information is disclosed as reasonably appropriate to the relevant application, provider evaluation, requested service, compliance requirement, or legitimate business purpose.

Third-party payment providers and financial institutions may independently collect, use, retain, and disclose information pursuant to their own agreements, privacy notices, regulatory obligations, and legal requirements.

5. Merchant Applications and Provider Sharing

Submitting information to Shoreline does not guarantee approval for merchant services and does not establish a merchant account.

Shoreline may review application information to identify one or more providers that may be appropriate for the merchant’s business, industry, processing requirements, and risk profile.

Relevant information may then be disclosed to an appropriate provider and its service providers for evaluation, underwriting, identity verification, compliance, onboarding, or account establishment.

An applicable provider may require additional information, documentation, verification, applications, signatures, or agreements.

Final approval and provider-specific terms are determined by the applicable provider and/or financial institution.

6. Cookies and Similar Technologies

Our websites may use cookies and similar technologies for functionality, security, performance, analytics, and other disclosed purposes.

The specific technologies used may change over time.

Where required by applicable law, we will provide appropriate choices concerning technologies used for targeted advertising, cross-context behavioral advertising, sale or sharing of personal information, or other activities requiring consent or an opportunity to opt out.

Sensitive information submitted through a merchant application is not intended for disclosure to advertising platforms or unrelated analytics providers.

7. Sale, Sharing, and Targeted Advertising

Certain privacy laws use specialized definitions of terms such as “sell,” “sale,” “share,” and “targeted advertising” that may extend beyond an ordinary exchange of information for money.

Shoreline will provide disclosures, consent mechanisms, or opt-out rights required by applicable law based upon its actual practices.

Disclosure of merchant information to appropriate payment-industry providers for evaluation, underwriting, onboarding, compliance, servicing, or fulfillment of a merchant’s request is distinct from selling a merchant application as an unrelated marketing lead.

We do not make a blanket representation in this Privacy Policy regarding statutory “sale” or “sharing” where the legal characterization may depend upon particular technology or practices.

8. Information Security

Shoreline maintains administrative, technical, and organizational safeguards designed to protect information against unauthorized access, acquisition, disclosure, alteration, loss, destruction, or misuse.

We seek to limit access to sensitive merchant information to authorized personnel and service providers who require access for legitimate business purposes.

The nature of safeguards may vary based upon the sensitivity of the information, applicable legal and contractual requirements, available technology, and associated risks.

No method of electronic transmission, storage, or security is completely secure. Accordingly, although we take measures designed to protect information, we cannot guarantee absolute security.

Shoreline does not represent that it holds a particular security certification unless that certification has been separately verified and expressly identified by Shoreline.

9. Data Retention and Disposal

We retain information for as long as reasonably necessary to fulfill the purposes for which it was collected and to satisfy legitimate business, fraud-prevention, security, contractual, legal, regulatory, dispute-resolution, and recordkeeping requirements.

Retention periods may vary depending upon:

• —the nature and sensitivity of the information;
• —whether an application was incomplete, declined, approved, or abandoned;
• —the merchant or referral relationship;
• —provider requirements;
• —contractual obligations;
• —fraud and risk considerations;
• —applicable statutes of limitation; and
• —legal or regulatory requirements.

When information is no longer reasonably required, we may delete, destroy, anonymize, de-identify, or otherwise dispose of it consistent with applicable requirements.

10. Your Privacy Rights

Depending upon where you reside, the nature of your relationship with Shoreline, and whether applicable law covers the particular information or processing activity, you may have rights concerning your personal information.

Applicable rights may include the ability to request:

• —confirmation regarding whether certain personal information is processed;
• —access to certain personal information;
• —correction of inaccurate information;
• —deletion of certain information;
• —a portable copy of certain information; or
• —an opportunity to opt out of certain processing activities.

Not every right applies to every person, record, or circumstance.

Certain information may be exempt from particular privacy-law requirements because of financial-services, business-to-business, fraud-prevention, security, legal, regulatory, contractual, or other exceptions.

To make a privacy request, email info@shorelinepay.com with the subject line “Privacy Request.”

We may request information reasonably necessary to verify your identity, authority, business relationship, or request before taking action.

Authorized agents may be required to provide appropriate proof of authority.

We may deny, limit, or retain information where permitted or required by applicable law and will provide an explanation where legally required.

Shoreline will not unlawfully discriminate against an individual for exercising applicable privacy rights.

11. Security Incidents

If Shoreline discovers unauthorized access to or acquisition of information, we will investigate the incident and take measures we determine appropriate under the circumstances.

Where notification is required by applicable law, Shoreline will provide required notices to affected individuals, governmental authorities, or other appropriate parties.

12. Third-Party Websites and Services

Our websites may contain links to or integrations with third-party websites, applications, providers, or services.

Those third parties operate under their own privacy practices, terms, security measures, and legal obligations.

This Privacy Policy does not govern independently operated third-party services.

13. Children’s Privacy

Our websites and merchant services are intended for businesses and adults.

They are not directed to children under 13, and we do not knowingly solicit personal information from children through our merchant-services application process.

14. Changes to This Privacy Policy

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

When we update this Privacy Policy, we will revise the Effective Date above.

We will provide additional notice of material changes when required by applicable law.

15. Contact Us

Questions, concerns, and privacy requests may be directed to:

Shoreline Payments, LLC
Email: info@shorelinepay.com
Website: shorelinepay.com