Privacy Policy

Introduction

ClickSpend ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

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

Information We Collect

Information You Provide

We collect information you voluntarily provide, including:

• Account information: name, email address, phone number, company name, and job title
• Financial information: billing address, bank account details, and payment card information required for account setup and transaction processing
• Identity verification: government-issued identification and business documentation as required for compliance and underwriting
• Communications: messages, feedback, and support requests you send to us

Information Collected Automatically

When you use our services, we automatically collect:

• Device and browser data: IP address, browser type, operating system, device identifiers, and screen resolution
• Usage data: pages visited, features used, click patterns, session duration, and referring URLs
• Transaction data: card transaction details, merchant information, amounts, timestamps, and approval or decline status
• Log data: server logs, error reports, and performance metrics

Information from Third Parties

We may receive information from:

• Ad platforms: transaction verification data from platforms such as Google, Meta, and TikTok
• Accounting integrations: financial data synced from connected software such as QuickBooks, Xero, NetSuite, or Sage Intacct
• Identity verification providers: background and verification results for compliance purposes
• Banking partners: account and transaction data from our issuing bank partners

How We Use Your Information

We use collected information to:

• Provide, maintain, and improve our services
• Process transactions and manage your account
• Underwrite credit lines and assess risk
• Detect and prevent fraud, unauthorized activity, and abuse
• Generate spend analytics, reports, and reconciliation data
• Send service-related communications and updates
• Comply with legal obligations, regulatory requirements, and audit requests
• Respond to your inquiries and provide customer support

How We Share Your Information

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

• Banking and payment partners: our issuing bank and card network partners, as necessary to process transactions and maintain your account
• Service providers: third-party vendors who perform services on our behalf, such as cloud hosting, analytics, identity verification, and customer support
• Accounting integrations: connected software platforms you have authorized
• Legal and regulatory: law enforcement, regulators, or other parties when required by law, legal process, or to protect our rights
• Business transfers: in connection with a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction

Data Security

We implement industry-standard security measures to protect your information:

• Encryption: all data is encrypted in transit using TLS and at rest using AES-256 encryption
• Access controls: role-based access with multi-factor authentication for all internal systems
• Compliance: we maintain SOC 2 Type II certification and PCI DSS compliance
• Monitoring: continuous monitoring and logging of access to sensitive data
• Incident response: documented procedures for identifying, containing, and resolving security incidents

Data Retention

We retain your information for as long as your account is active or as needed to provide services. After account closure, we retain data as required by law, regulatory obligations, or legitimate business purposes such as fraud prevention and dispute resolution. We securely delete or anonymize data when it is no longer needed.

Your Rights

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

• Access the personal information we hold about you
• Correct inaccurate or incomplete information
• Delete your personal information, subject to legal retention requirements
• Port your data to another service in a structured, machine-readable format
• Opt out of marketing communications at any time
• Restrict or object to certain processing activities

To exercise any of these rights, contact us at privacy@clickspend.com.

Cookies and Tracking

We use cookies and similar technologies to:

• Maintain your session and preferences
• Analyze site usage and performance
• Improve our services

You can manage cookie preferences through your browser settings. Disabling certain cookies may affect functionality.

Third-Party Links

Our services may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before providing any information.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and updating the "Last updated" date. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at:

ClickSpend
Email: hello@clickspend.com