Privacy Policy

Effective Date: [October 1st, 2025]

Last Updated: [February 1st, 2026]

This Privacy Policy explains how Main Street Reserve (“we,” “us,” “our”) collects, uses, discloses, and protects information when you visit our website, contact us, or use our payment processing and related services (collectively, the “Services”).

We provide payment solutions designed to help business owners reduce unnecessary processing costs and modernize how they accept payments.

1) Scope

This Policy applies to information collected:

Through our website and online forms (including our contact form)

Through phone, email, text, and other communications with us

During merchant onboarding, underwriting, risk monitoring, and customer support related to payment processing services

This Policy does not apply to websites, apps, or services operated by third parties (including payment networks, acquiring banks, processors, gateways, or other partners) that may have their own privacy policies.

2) Information We Collect

We collect information in three main ways: (a) information you provide, (b) information collected automatically, and (c) information from third parties.

A. Information you provide to us

Lead / inquiry information (website contact form):

Name, phone number, email address, company name

Whether you currently accept card payments

Your estimated monthly card volume

Any message you submit

Merchant onboarding and account information (if you become a client):

Depending on your business type and required compliance, we may collect:

Business details (legal business name, DBA, EIN, address, phone, email, website, industry)

Ownership/beneficial owner details (name, title, date of birth, address, government ID number)

Identity verification information (e.g., copies of government-issued ID where required)

Banking and settlement details (bank name, routing/account numbers)

Tax documentation and related records

Requested product configuration (terminals, POS, e-commerce, invoicing tools, etc.)

Support and communications:

Records of communications (calls, texts, emails), customer support requests, and notes related to service delivery.

B. Information collected automatically

When you use our website, we may automatically collect:

Device and browser information (IP address, device identifiers, browser type, operating system)

Usage data (pages viewed, time spent, clicks, referring/exit pages)

Approximate location (derived from IP address)

Cookies and similar technologies (see Section 6)

C. Information from third parties

We may receive information from:

Service providers that help us operate the Services (e.g., website hosting, form tools, analytics)

Payment processing partners involved in underwriting, onboarding, transaction processing, risk monitoring, chargebacks, and fraud prevention

Public sources (e.g., business registrations) and identity verification providers (where permitted by law)

3) How We Use Information

We use information to:

Respond to inquiries and provide quotes, comparisons, and consultations

Onboard merchants, perform underwriting, and set up merchant accounts

Provide payment processing, POS/terminal deployment, and related services

Verify identity, prevent fraud, reduce risk, and comply with legal obligations

Provide customer service, troubleshooting, and account support

Improve our website, offerings, and customer experience

Send service-related communications (e.g., updates, notices, administrative messages)

Send marketing communications where permitted (you can opt out; see Section 8)

4) How We Share Information

We may share information as follows:

A. With payment ecosystem partners (as needed to provide Services)

To set up and maintain merchant services, we may share information with third parties such as:

Payment processors, acquiring/partner banks, payment gateways, and underwriting/risk partners

Terminal/POS and software providers involved in enabling your payment acceptance

Fraud prevention, chargeback management, and compliance vendors

B. With service providers

We use vendors to operate our business and website (e.g., hosting, analytics, communications tools, CRM). They may process information on our behalf under contractual confidentiality and security obligations.

C. For legal, compliance, and safety reasons

We may disclose information if we believe in good faith that it is necessary to:

Comply with laws, regulations, subpoenas, or lawful requests

Enforce our agreements and policies

Protect our rights, property, safety, or the rights/safety of others

Detect, prevent, or address fraud, security, or technical issues

D. Business transfers

If we are involved in a merger, acquisition, financing, reorganization, or sale of assets, information may be transferred as part of that transaction.

We do not sell your personal information in the traditional sense. Some state privacy laws define “sale” or “sharing” broadly (including certain advertising-related disclosures). See Section 9 for state-specific rights.

5) Payment Card Data and PCI

We do not intentionally collect or store full magnetic stripe data, CVV, or PIN data on our website. When you process payments, cardholder data is typically handled by PCI-compliant payment processors and/or gateways. You are responsible for using approved payment methods and maintaining appropriate PCI compliance for your business.

6) Cookies and Similar Technologies

We may use cookies, pixels, and similar technologies to:

Operate and secure our website

Understand website traffic and performance

Remember preferences

Measure and improve marketing effectiveness

You can control cookies through your browser settings. If you disable cookies, parts of the site may not function properly.

7) reCAPTCHA / Anti-Spam Protection

Our contact form may be protected by reCAPTCHA, and use of reCAPTCHA is subject to Google’s Privacy Policy and Terms of Service.

8) Marketing Preferences

You may receive marketing messages from us (e.g., email/text) if you request information, become a client, or otherwise consent where required.

You can opt out at any time by:

Using the “unsubscribe” link in an email (if present)

Replying “STOP” to SMS messages (if applicable)

Contacting us using the information in Section 13

Even if you opt out of marketing, we may still send you non-marketing, service-related messages (e.g., account notices, security alerts, updates).

9) Your U.S. State Privacy Rights

Depending on where you live, you may have rights to:

Access the personal information we maintain about you

Correct inaccurate personal information

Delete personal information (subject to exceptions)

Opt out of certain processing (e.g., targeted advertising/sharing, where applicable)

Data portability (receive a copy in a usable format)

Non-discrimination for exercising privacy rights

How to submit a request: contact us using Section 13.

To protect you, we may verify your identity before fulfilling requests.

Authorized agents: If permitted by law, you may use an authorized agent to submit a request on your behalf. We may require proof of authorization and identity verification.

10) Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect information. However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

11) Data Retention

We retain information for as long as necessary to:

Provide the Services

Maintain business records

Comply with legal, tax, accounting, and regulatory requirements

Resolve disputes and enforce agreements

Retention periods vary depending on the type of information and legal obligations.

12) Children’s Privacy

Our Services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child provided us information, contact us and we will take appropriate steps to delete it.

13) Contact Us

If you have questions about this Privacy Policy or want to exercise your privacy rights,

contact:

[Main Street Reserve]

Attn: Privacy

[1477 Main St, Unit 1503, Kansas City, MO 64105]

Email: [[email protected]]

Phone: [913-605-5779]

14) Changes to This Privacy Policy

We may update this Policy from time to time. When we do, we will revise the “Last Updated” date above. Your continued use of the Services after changes become effective means you accept the updated Policy.