Terms & Policies
Last Updated: April 14, 2023
Information Finix Collects About You
When you interact with us through the Services, we may collect information about you, as further described below.
Personal and online identifiers (such as first and last name, email address, or unique online identifiers);
Recordkeeping information (such as bank account number, credit card number, debit card number, or any other financial information);
Commercial or transactions information (such as records of products or services purchased, obtained, or considered);
Internet or other electronic network activity information (such as browsing history, search history, interactions with a website, email, application, dashboard or advertisement);
Biometric information (such as facial scans or fingerprints);
Sensory information (such as call recordings or other audio, electronic, visual, or other similar technology);
Professional or employment-related information;
Inferences drawn from the above information about your predicted characteristics and preferences; and
Other information about you that is linked to the personal information above.
Sources of Information
We collect information from the following categories of sources. For purposes of this section, “You” means Website visitors and owners, officers, and employees of companies, such as merchants, software platforms, marketplaces, and payment facilitators, that interact with our Services.
Browsing our Website: When you visit our Website, our servers collect information about your internet browsing activity on our Website.
Opening a Sandbox Account: We will request personal information from you when you sign up for a Sandbox account, such as your full name and e-mail address. When you use your Sandbox account, we collect transaction, merchant, and other information.
Opening an Account or Using our Services: When evaluating the Services and submitting an application to become a Finix customer, you will be required to provide us with information about your business and its owners and officers. When you use the Services, we collect transaction, merchant, and other information.
Your Inquiries. When you complete and submit a form or otherwise provide us with personal information about you on our Website, or contact us by e-mail and telephone, Finix stores the inquiries and their contents.
Customers of our Partner Platforms: If you access the Services through a software platform, marketplace, payment facilitator, or other business that has an integration with Finix (“Partner Platform”), we receive information about you from the Partner Platform, such as information about your business, its owners and officers, and transactions.
Customers of our Merchants: If you are making a payment to a merchant that uses our Services to process your payment, we may, directly or through the merchant or Partner Platform providing services to the merchant, collect, process, and store financial and transaction related personal information about you and your transaction.
Service Providers: We may receive information about you from our service providers, such as companies that manage risk and fraud or market the Services, card networks, payment processors, referral partners, identity verification companies, and from third parties that you have permitted to release information to us. We also may receive information about you from publicly available sources, such as from social media platforms like LinkedIn.
How Finix Uses Information About You
Finix may use this information for any lawful purpose, including the following reasons:
To process transactions.
To verify your identity and/or evaluate your eligibility for the Services.
To provide you support, respond to your inquiries, and offer customer service.
To send you notices and updates.
To prevent or investigate fraud, illegal or prohibited activities, and security issues or breaches.
To enforce our terms and any other agreements between you and us.
To improve and maintain our Services.
To share new products, offers, promotions, or other information in which you may be interested.
To personalize the Services.
To monitor and analyze usage and activities in or related to our Services.
To comply with any applicable laws, legal processes, and our contractual obligations.
For any other reason provided to you in connection with our Services.
How Finix Shares Information About You
Financial service providers. Finix shares your personal information with financial service providers, such as the institutions identified in your processing agreements, banks, card networks, and other service providers that help us with processing payments.
Service providers. Finix may share your personal information with companies that provide tools, support, audits, or otherwise help to enhance or maintain the Services (such as email companies, fraud prevention companies, identity verification services, consumer reporting services, information storage companies, and information security companies).
Partner Platforms and merchants. If you access the Services through a Partner Platform or make a payment to a merchant using our Services, Finix shares information about you with the Partner Platform and merchant, as applicable, including your personal information.
Referral partners. Where a business is referred to Finix by a referral partner, Finix may share business information, including, for example, name, transaction volume, and business status, with the referral partner as necessary to administer the referral arrangement, including to calculate fees, determine the business’s continued eligibility for the referral program and any preferred pricing, and servicing and managing the business’s account.
Assignment. If Finix or any part of Finix is acquired or undergoes a merger, consolidation, liquidation, or other significant change of control or transfer of assets, Finix may transfer, sell, or assign the information Finix collects, stores, or uses under this Policy to third parties.
Law enforcement and similar third parties. Finix shares your personal information with law enforcement or third parties such as auditors or investigators if Finix (i) is required by any applicable law (e.g. pursuant to a warrant or court order); (ii) believes it is appropriate to investigate fraud or any other violation of safety or property against us or others; or (iii) needs to investigate any violations of our agreements or policies.
Other Third Parties. Finix shares your personal information with any other third party needed to provide our Services or at your direction and with your consent.
Finix may also share or exchange deidentified or aggregated information to the extent permissible under applicable laws and regulations.
Digital Advertising & Analytics
We may partner with ad networks and other ad serving providers (“Advertising Providers”) that serve ads on behalf of us and others on non-affiliated platforms. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your use of the Services or Website and other sites or apps over time, including information about relationships among different browsers and devices. This type of advertising is known as interest-based advertising.
Finix adheres to the Digital Advertising Alliance (“DAA”) Self-Regulatory Principles in connection with this interest-based advertising activity. You may visit the DAA Webchoices tool at www.aboutads.info to learn more about this type of advertising and how to opt out of this advertising on websites by companies participating in the DAA self-regulatory program. If you delete your cookies or use a different browser or mobile device, you may need to renew your opt-out choices exercised through the DAA Webchoices tool. Note that electing to opt out will not stop advertising from appearing in your browser or applications. It may make the ads you see less relevant to your interests.
We may also work with third parties that collect data about your use of the Services or Website and other sites or apps over time for non-advertising purposes. Finix uses Google Analytics and other third-party services to improve the performance of the Website and for analytics and marketing purposes. For more information about how Google Analytics collects and uses data when you use our Website, visit www.google.com/policies/privacy/partners, and to opt out of Google Analytics, visit tools.google.com/dlpage/gaoptout.
Third-Party Links and Tools
The Website also includes integrated social media tools or “plug-ins,” such as social networking tools offered by third parties. If you use these tools to share personal information or you otherwise interact with these features on the Website, those companies may collect information about you and may use and share such information in accordance with your account settings, including by sharing such information with the general public.
Your interactions with Partner Platforms, merchants, or third-party companies and your use of their features are governed by the privacy policies of the companies that provide those features. We encourage you to carefully read the privacy policies of any accounts you create and use.
To opt out of our email marketing, you can use the link provided at the bottom of each marketing message. If you opt out of our email marketing, we will still send you messages related to our transactions and relationship with you.
For choices with respect to third-party interest-based advertising activities, please see the “Digital Advertising & Analytics” section above.
Finix maintains technical, physical, and administrative security measures designed to provide reasonable protection for information.
We will store the personal information we collect for as long as reasonably necessary for purposes for which it was collected, subject to legal limitation periods, statutory or regulatory retention requirements, and legitimate business requirements, or as permitted by law. After such time, we will delete, deidentify, or aggregate this information unless otherwise required by law.
If you have any questions or concerns regarding the privacy and/or processing status of your personal information at Finix, please contact us at:
Finix Payments, Inc.
631 Howard Street, Suite 100
San Francisco, CA 94105