Privacy Policy and Terms of Service.

FD Payment Services (“Company”, “we”, “us”, or “our”)

Website: www.fdpaymentservices.com

1. Information We Collect

We collect the following types of information:

• Personal Information: Name, email address, phone number, business name, and payment details when you contact us or sign up for services.

• Usage Data: IP address, browser type, pages visited, time spent on pages, and other diagnostic data collected automatically through cookies and tracking technologies.

• Transaction Data: Information related to merchant processing services, including customer names, cardholder data (as applicable), and transaction amounts.

2. How We Use Your Information

We use the collected data to:

• Provide and maintain our services

• Improve our website and service offerings

• Communicate with you about your account or inquiries

• Ensure security and fraud prevention

• Comply with legal obligations

3. Sharing Your Information

We do not sell your personal data. We may share it with:

• Service Providers: To facilitate our services (e.g., payment processors, customer support).

• Legal Authorities: If required to comply with applicable laws or legal processes.

• Business Transfers: In the event of a merger, acquisition, or asset sale.

4. Cookies and Tracking

We use cookies to enhance user experience. You can modify your browser settings to refuse cookies, though some features of our site may not function properly.

5. Data Security

We implement security measures such as encryption, firewalls, and secure access protocols to protect your data.

6. Your Rights

Depending on your location, you may have rights to access, correct, or delete your personal information. Contact us at info@fdpaymentservices.com for requests.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices or content.

8. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect information from minors.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of changes by updating the date above or notifying users via the website.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at info@fdpaymentservices.com.

11. SMS Communication and Consent

By providing your phone number, you consent to receive SMS messages from FD Payment Services for purposes related to your account, service updates, and important notifications.

• Message Frequency: Message frequency may vary depending on your activity with our services.

• Opt-Out: You can opt out at any time by replying “STOP” to any SMS we send. For help, reply “HELP” or contact us directly at info@fdpaymentservices.com.

• No Sharing of SMS Consent: Your SMS consent is strictly used for communications between you and FD Payment Services. We do not share, sell, rent, or disclose your SMS opt-in or phone number to any third parties for marketing or unrelated purposes.

• Third-Party Services: While we may use third-party platforms to deliver SMS messages (e.g., Twilio, etc.), these providers act solely on our behalf and do not retain or use your information for any other purpose.

Terms of Service

1. Acceptance of Terms

By accessing or using the website and services provided by FD Payment Services, you agree to these Terms of Service. If you do not agree, do not use our site or services.

2. Use of Services

You agree to use our services only for lawful purposes and in accordance with these terms. You are responsible for ensuring that your use complies with all applicable laws and regulations.

3. Account Responsibilities

If you create an account with us, you must provide accurate information and keep your credentials secure. You are responsible for any activity conducted under your account.

4. Prohibited Activities

You may not use our services to:

• Violate any law or regulation

• Infringe upon intellectual property rights

• Transmit malicious code or engage in fraudulent activity

• Interfere with service integrity or access

5. Payment and Fees

All fees for merchant services are outlined in your service agreement. Late payments may incur penalties. All payment data is handled securely and in accordance with PCI-DSS standards.

6. Termination

We reserve the right to suspend or terminate your access to services at our sole discretion, without notice, for violations of these terms.

7. Disclaimer of Warranties

Our services are provided “as is” and “as available” without warranties of any kind, either express or implied.

8. Limitation of Liability

To the maximum extent permitted by law, FD Payment Services shall not be liable for any indirect, incidental, or consequential damages resulting from your use of our services.

9. Indemnification

You agree to indemnify and hold harmless FD Payment Services and its affiliates from any claims, damages, or expenses resulting from your use of the services or breach of these terms.

10. Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to conflict of laws principles.

11. Changes to Terms

We may revise these Terms at any time. Continued use of our services after changes are posted means you accept the updated terms.

12. Contact Us

For questions regarding these Terms of Service, contact info@fdpaymentservices.com.

13. SMS Notifications

By using our services and providing a mobile number, you consent to receive SMS messages from FD Payment Services regarding service updates, account information, and transaction alerts. Standard message and data rates may apply.

Your consent to receive SMS messages will never be shared or sold to third parties. These messages are intended solely for communication between FD Payment Services and you, the customer. You may opt out of SMS communications at any time by replying “STOP.”