Privacy Policy

Last Updated: June 2026 — Inspivo, LLC

This Privacy Policy describes how Inspivo collects, uses, and protects your personal information. Please read it carefully before providing any personal information.

Information We Collect

Inspivo, LLC ("Inspivo," "we," "us," or "our") collects information you provide directly to us, information collected automatically when you use our services, and information from third-party sources.

Information You Provide Directly

When you request a quote, create an account, contact us for support, or otherwise interact with our services, we may collect:

• Full name and business name
• Email address and phone number
• Business address and state of operation
• Monthly payment processing volume and average transaction amount
• Business type and industry
• Any other information you choose to provide in forms or correspondence

Information Collected Automatically

When you visit inspivo.com, we automatically collect certain technical information, including:

• IP address and approximate geographic location
• Browser type, version, and operating system
• Pages accessed, time and duration of visit
• Referring website, application, or search query
• Device identifiers and screen resolution
• Clickstream data and user interactions on the site

Information from Third Parties

We may receive information about you from third-party sources such as payment processors, analytics providers, and marketing platforms, which we combine with information we already hold to improve our services and communications.

How We Use This Information

We use the information we collect, including Personally Identifiable Information, to:

• Process and respond to quote requests and inquiries
• Register your account and fulfill your service requests
• Provide, maintain, and improve our payment processing services
• Send transactional communications such as confirmations and statements
• Send marketing and promotional communications (you may opt out at any time)
• Analyze usage patterns to improve the functionality and user experience of our website
• Detect, investigate, and prevent fraudulent or unauthorized activity
• Comply with applicable laws, regulations, and legal obligations
• Respond to legal process or requests from regulatory authorities
• Enforce our Terms of Service and protect the rights of Inspivo and our users

Cookies & Tracking Technologies

Inspivo uses cookies, web beacons, pixels, and similar tracking technologies to operate and improve our website, understand how visitors use our services, and deliver relevant content.

Types of Cookies We Use

• Essential cookies — Required for the website to function properly. These cannot be disabled without affecting site functionality.
• Analytics cookies — Help us understand how visitors interact with our site (e.g., Google Analytics). Data is aggregated and anonymized.
• Functional cookies — Remember your preferences and settings to improve your experience on return visits.
• Marketing cookies — Used to deliver relevant advertisements and track the effectiveness of our marketing campaigns.

Managing Cookies

Most browsers allow you to control cookies through their settings. You can set your browser to refuse cookies or to alert you when cookies are being sent. Note that disabling certain cookies may affect the functionality of our website. You may also opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Do Not Track

Some browsers transmit "Do Not Track" signals. Because there is no industry-standard interpretation of these signals, our website does not currently alter its practices in response to them.

Third-Party Services

In providing our services, we work with trusted third-party vendors and service providers. These parties may have access to your information only as necessary to perform their functions and are contractually obligated to protect it.

Payment Processing Partners

As a payment processing referral and consulting service, Inspivo works with licensed payment processors and acquiring banks. When you submit a quote request or application, relevant business information may be shared with these partners to prepare your customized quote. All payment processing partners are required to maintain appropriate security standards.

Analytics & Marketing

We use Google Analytics to understand website usage and Google Tag Manager to manage tracking scripts. These services collect data in accordance with Google's privacy policy. We may also use email marketing platforms and CRM software to manage communications with prospective and current clients.

Third-Party Links

Our website may contain links to third-party websites. Inspivo is not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

Sharing of Information

Inspivo does not sell, rent, or trade your Personally Identifiable Information to third parties for their own marketing purposes. We may share your information in the following limited circumstances:

• Service providers — With trusted vendors who assist in operating our website and delivering our services, under strict confidentiality agreements.
• Payment processing partners — With licensed processors and banks as needed to fulfill your quote request or service agreement.
• Legal compliance — When required by law, regulation, subpoena, or court order, or when we believe disclosure is necessary to protect the safety, rights, or property of Inspivo, our users, or the public.
• Business transfers — In connection with a merger, acquisition, or sale of all or part of our business assets, in which case your information may be transferred to the acquiring entity.
• With your consent — In any other circumstance where you have given us explicit permission to share your information.

Law Enforcement and Legal Process

Inspivo reserves the right to disclose any client information to: (i) comply with any law, regulation, or legal request; (ii) enforce, apply, or investigate breaches of the Terms of Service; (iii) respond to client requests; or (iv) protect the rights, property, or safety of Inspivo, our employees, our users, or others.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, or reporting obligations, resolve disputes, and enforce our agreements.

• Account and service data — Retained for the duration of our business relationship and for up to 7 years thereafter to comply with financial recordkeeping requirements.
• Quote request data — Retained for up to 3 years to allow us to follow up and improve our services.
• Website analytics data — Typically retained for 26 months in aggregated or anonymized form.
• Marketing communications — Retained until you unsubscribe or request deletion.

When personal information is no longer needed, we securely delete or anonymize it in accordance with our data disposal procedures.

Your Rights & Choices

Depending on your location and applicable law, you may have the following rights with respect to your personal information:

• Access — Request a copy of the personal information we hold about you.
• Correction — Request that we correct inaccurate or incomplete information.
• Deletion — Request that we delete your personal information, subject to certain exceptions (e.g., legal retention obligations).
• Opt-out of marketing — Unsubscribe from marketing emails at any time by clicking the "unsubscribe" link in any email or contacting us directly.
• Data portability — Request your data in a structured, machine-readable format where technically feasible.
• Withdraw consent — Where processing is based on your consent, withdraw that consent at any time without affecting prior processing.

To exercise any of these rights, please contact us at support@inspivo.com. We will respond to verified requests within 30 days. We may need to verify your identity before processing your request.

California Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with specific rights regarding your personal information.

Right to Know

You have the right to request that we disclose information about the categories and specific pieces of personal information we have collected about you, the categories of sources from which we collected it, the business purpose for collecting it, and the categories of third parties with whom we share it.

Right to Delete

You have the right to request deletion of personal information we have collected from you, subject to certain exceptions permitted by law.

Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. We will not deny you services, charge you a different price, or provide a different quality of service based on your exercise of these rights.

Do Not Sell My Personal Information

Inspivo does not sell personal information as defined under the CCPA. However, if you have questions or wish to submit a request, please contact us at support@inspivo.com with the subject line "CCPA Request."

Data Security

Inspivo takes the security of your personal information seriously. We implement industry-standard technical, administrative, and physical safeguards designed to protect your information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:

• SSL/TLS encryption for all data transmitted between your browser and our servers
• Access controls limiting employee access to personal information on a need-to-know basis
• Regular review of our data collection, storage, and processing practices
• Contractual data security requirements imposed on all third-party service providers

While we work hard to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we will notify you as required by applicable law in the event of a data breach that affects your personal information.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately at support@inspivo.com and we will take prompt steps to delete such information.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Last Updated" date at the top of this page.

• For new users, changes become effective upon posting
• For existing users, material changes become effective 14 days after posting

We encourage you to review this policy periodically. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

• Email: support@inspivo.com
• Website: inspivo.com/ContactUs
• Jurisdiction: Mecklenburg County, North Carolina, USA

We will respond to all privacy-related inquiries within 30 days.