LFS Merchant Services (“LFS,” “we,” “our,” or “us”) is committed to protecting the privacy and security of your personal and business information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our services, website, and sales team.

By using our services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services.

1. Information We Collect

We may collect the following types of information:

A. Personal Information

• Name, business name, and contact details (phone number, email address, mailing address)
  
• Job title or role
  
• Identification or tax ID numbers (if required for compliance)
  

B. Payment & Transaction Data

• Processing volume, rates, and transaction history
  
• Bank account details (for payouts and settlements)
  

C. Technical Information

• IP address, browser type, operating system, and device information
  
• Website usage data via cookies or tracking tools
  

D. Other Information

• Communications with us (emails, calls, in-person meetings)
  
• Information you voluntarily provide in forms, surveys, or account applications
  

2. How We Use Your Information

We use the information we collect for purposes including:

• Setting up and managing your merchant account
  
• Processing payments and settlements
  
• Providing customer support and technical assistance
  
• Conducting free savings analyses and service proposals
  
• Sending service updates, promotions, and relevant offers
  
• Meeting legal, regulatory, and compliance requirements
  
• Improving our services, website, and marketing
  

3. Sharing & Disclosure of Information

We do not sell your personal information.
We may share your information with:

• Service Providers & Partners — such as payment processors, POS system providers, and technical support vendors, for the purpose of delivering our services
  
• Legal Authorities — if required by law, regulation, or in response to a valid legal request
  
• Business Transfers — in the event of a merger, sale, or acquisition involving LFS
  

4. Data Security

We implement industry-standard security measures to protect your data, including encryption, secure storage, and limited access controls. However, no system is 100% secure, and we cannot guarantee absolute protection of your information.

5. Your Rights & Choices

Depending on your location, you may have the right to:

• Access and obtain a copy of your information
  
• Request corrections or updates to your data
  
• Request deletion of certain information (subject to legal requirements)
  
• Opt out of marketing communications at any time
  

6. Cookies & Tracking

Our website may use cookies, analytics tools, and similar technologies to improve your experience and analyze site performance. You can adjust your browser settings to refuse cookies, but some features may not function properly.

7. Data Retention

We keep your information only as long as necessary to provide services, meet legal obligations, and resolve disputes. When no longer needed, we securely delete or anonymize your data.

8. Third-Party Links

Our website or communications may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.

9. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website with a revised effective date. Continued use of our services after updates means you accept the revised policy.

10. Contact Us

If you have questions about this Privacy Policy or how we handle your data, please contact:

LFS Merchant Services
Email: lfs@valormerchant.com
Phone: (440) 724-6680
Website: www.lfsms.org