Privacy Policy

Quikcent, LLC, a Texas limited liability company ("Quikcent," "Company," "we," "our," or "us"), respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, disclose, process, store, and safeguard information when you access or use the Quikcent platform, websites, mobile applications, APIs, payment services, merchant tools, communication services, and related technologies (collectively, the "Services").

By using the Services, you acknowledge that you have read and understand this Privacy Policy.

1. Information We Collect

We collect information from users, merchants, consumers, visitors, customers, and business representatives.

1A. Information You Provide

We may collect information you provide directly, including:

• Full legal name
• Business name and trade names
• Email address
• Telephone number
• Home or business address
• Date of birth
• Profile information
• The name of the bank or card issuer, and the last four digits of the account or debit card, you use for payouts
• Customer support communications

Identity and bank details are collected by Stripe, not Quikcent. When you set up payouts, Stripe asks you directly, on a page Stripe hosts, for information such as your Social Security number or tax identification number, a government-issued ID, details about your business's owners, and your full bank account or debit card number. Quikcent does not see or store your Social Security number, ID documents, or full account or card numbers. Stripe tells us whether your verification is complete and whether anything else is needed.

1B. Transaction Information

When you use the Services, we may collect:

• Transaction amounts, dates and times
• How the customer paid (Tap to Pay, QR code, manual card entry or cash), and the card brand and last four digits
• Tips
• Refund and dispute information
• Payout information
• The customer's email address, if a merchant enters it to send a receipt
• Fraud risk signals that Stripe shares with us

1C. Device and Technical Information

We may automatically collect:

• IP address
• Device identifiers
• App version and device model
• Browser information
• Operating system information
• Mobile carrier information
• Application usage information
• Session information
• Log information
• Error reports
• Diagnostic information
• Approximate location based on your IP address
• Network information
• Authentication information

1D. Information From Third Parties

We may receive information from:

• Stripe, our payment processor (for example, whether your identity verification is complete, and payment, payout, refund and dispute information)
• Our sign-in provider
• Analytics providers
• Public sources

1E. Sensitive Information

Certain information may be considered sensitive under applicable privacy laws.

Sensitive information may include:

• Social Security numbers, tax identification numbers and government-issued identification (collected and held by Stripe, as described in Section 1A)
• Financial account and payment card information (Stripe holds the full numbers; Quikcent keeps only the last four digits)
• Authentication credentials (handled by our sign-in provider; passwords are never stored in plain text)
• Precise location, used only by Stripe's Tap to Pay software while the app is open (see Section 1F)

Quikcent does not collect or store biometric identifiers or biometric information such as fingerprints, facial geometry, voiceprints, or retinal scans unless expressly disclosed and separately authorized.

We collect and use sensitive information only as reasonably necessary to provide Services, comply with legal obligations, prevent fraud, protect security, and administer Accounts.

1F. Permissions on Your Phone

The Quikcent app asks for some permissions on your phone. You can say no, or change your choice later in your phone's settings, but some features will not work without them.

• Location. Tap to Pay needs location access while the app is open. It is used by Stripe's Tap to Pay software to confirm where a payment is taken, to help prevent fraud. Quikcent does not store your location and does not track it when the app is closed.
• Camera. Used only to scan a QR code when you choose to. The image is read on your phone and is not sent to us.
• Notifications. If you allow them, we send push notifications about activity on your account. They are delivered through Google's Firebase Cloud Messaging service.
• Face ID or fingerprint. If you turn this on, the app uses your phone's own Face ID or fingerprint check to unlock the app. The check happens on your phone, and Quikcent never receives your face or fingerprint data. Your app passcode is also stored only on your phone.

2. How We Use Information

We may use automated systems to detect fraud, verify identity, assess transaction risk, and protect the Services. These systems assist our decision-making processes but do not replace human review where required by law or our internal procedures.

We may use collected information for legitimate business purposes, including:

2A. Providing Services

To:

• Create Accounts
• Authenticate users
• Process transactions
• Facilitate payments
• Process payouts
• Provide customer support
• Deliver receipts
• Provide sales history and reports
• Operate platform functionality

2B. Fraud Prevention, Risk Management, and Security

We may use information to:

• Detect fraud
• Prevent unauthorized activity
• Conduct transaction monitoring
• Conduct sanctions screening
• Conduct anti-money laundering reviews
• Conduct Know Your Customer reviews
• Verify identities
• Analyze behavioral patterns
• Investigate suspicious activity
• Enforce platform security
• Protect users and merchants

2C. Legal and Compliance Purposes

We may use information to:

• Comply with laws
• Comply with court orders
• Respond to regulators
• Respond to law enforcement requests
• Comply with payment network rules
• Comply with banking partner requirements
• Conduct audits
• Resolve disputes
• Defend legal claims

2D. Improving Services

We may use information to:

• Improve user experience
• Analyze performance
• Improve platform functionality
• Develop products
• Improve security
• Enhance reliability
• Conduct research and analytics

2E. Marketing and Communications

Where permitted by law, we may use information to:

• Send newsletters
• Send promotional materials
• Provide product announcements
• Offer incentives
• Conduct surveys
• Communicate updates

Users may opt out of marketing communications at any time.

Where required by law, we will obtain your consent before sending marketing communications. Opting out of marketing communications does not affect transactional or account-related communications.

3. Receipts

Merchants can use the Services to send their customers a receipt by email. To do this, the merchant enters the customer's email address, and we use that address only to send the receipt. Merchants cannot use Quikcent to send marketing messages.

Merchants are solely responsible for compliance with all applicable consumer protection, privacy, and email laws when they collect a customer's email address.

4. Text Messages

Quikcent does not currently send text messages. Giving us your phone number does not sign you up for them. If we begin sending text messages, we will ask for your consent in the app first, tell you what kinds of messages we will send, and explain how to stop them (for example, by replying STOP).

5. How We Share Information

Quikcent is a financial technology company. Certain services, including payment processing, identity verification, and banking services, are provided by independent third-party providers and partner financial institutions. Those providers process personal information in accordance with their own privacy notices and applicable law.

We may share information as described below.

5A. Service Providers

We may share information with service providers that assist in operating the Services, including:

• Stripe, which processes payments and payouts and verifies identity
• Clerk, which provides sign-in and account security
• Cloud hosting and database providers
• Resend, which sends emails such as receipts
• Analytics and error-reporting providers (see Section 14)
• Customer support providers

Such providers are authorized to use information only as reasonably necessary to perform services on our behalf.

5B. Financial Institutions and Payment Networks

We may share information with:

• Stripe and the banks that work with Stripe
• Card networks, such as Visa, Mastercard, American Express and Discover
• The banks that issued your customers' cards
• Your bank or card issuer, for payouts

Such disclosures may occur for transaction processing, compliance, fraud prevention, underwriting, dispute resolution, settlement, and risk management purposes.

5C. Legal Compliance

We may disclose information if reasonably necessary to:

• Comply with legal obligations
• Respond to subpoenas
• Respond to court orders
• Respond to government requests
• Cooperate with regulators
• Protect rights and property
• Prevent fraud
• Protect public safety
• Enforce agreements

5D. Business Transfers

Information may be transferred in connection with:

• Mergers
• Acquisitions
• Financings
• Asset sales
• Bankruptcy proceedings
• Corporate reorganizations
• Successor transactions

5E. With Consent

We may disclose information where you direct us to do so or otherwise provide consent.

5F. Fraud Prevention and Security Sharing

We may share information with Stripe, its banking partners, and other financial institutions for purposes including fraud prevention, sanctions screening, anti-money laundering compliance, cybersecurity protection, identity verification, transaction monitoring, and legal compliance.

6. Payment Processing Disclosures

Payments on Quikcent are processed by Stripe. When you provide personal data in connection with Quikcent's payment services, Stripe receives that personal data and processes it in accordance with Stripe's Privacy Policy (https://stripe.com/privacy). Stripe also collects card details directly from the customers who pay you.

By using the Services, you acknowledge that such third parties may independently collect, process, store, and disclose information in accordance with their own privacy notices and legal obligations.

We encourage you to review those privacy notices before using their services.

Quikcent does not control the privacy practices of independent third parties.

Quikcent does not store full payment card numbers on Company-controlled systems except as expressly permitted and maintained in accordance with applicable security requirements.

7. Data Retention

For example, identity verification records, transaction records, and certain compliance records may be retained for periods required by applicable financial regulations.

We retain personal information for as long as reasonably necessary to provide the Services, maintain Accounts, comply with legal obligations, resolve disputes, prevent fraud, enforce agreements, satisfy payment network requirements, comply with processor and financial institution obligations, and protect the security and integrity of the Services.

Retention periods vary depending on the type of information and applicable legal, regulatory, tax, accounting, payment network, and contractual requirements.

Certain information, including identity verification records, transaction records, communications, and tax-related information, may be retained for longer periods where required or permitted by applicable law or by Stripe or other financial institutions.

When personal information is no longer required, Quikcent will delete, anonymize, or securely dispose of such information in accordance with applicable law and our internal data retention practices.

8. Security

Quikcent maintains commercially reasonable administrative, technical, physical, and organizational safeguards designed to protect information.

Security measures may include:

• Encryption in transit
• Encryption at rest
• Access controls
• Authentication controls
• Multi-factor authentication
• Monitoring systems
• Intrusion detection systems
• Security reviews
• Employee training

No method of transmission or storage is completely secure.

Accordingly, Quikcent cannot guarantee absolute security.

8A. Security Monitoring

To protect the Services, Quikcent may monitor account activity, authentication events, device characteristics, transaction patterns, login behavior, network activity, and fraud indicators.

Such monitoring may be automated and may be used to identify suspicious activity, security incidents, account compromise, fraud, or violations of agreements and policies.

9. Security Incidents and Breach Notifications

In the event of a confirmed security incident involving personal information, Quikcent may provide notifications as required by applicable law.

Notification timing, method, content, and recipients shall be determined in accordance with applicable legal requirements and the circumstances of the incident.

10. Your Privacy Rights

Stripe provides its own privacy notice for the payment services it provides (https://stripe.com/privacy). Quikcent provides this Privacy Policy to describe its own data handling practices.

We will respond to verifiable privacy rights requests within the timeframe required by applicable law. Where permitted, we may extend the response period after notifying you of the reason for the extension.

Depending upon your jurisdiction, you may have rights regarding your personal information, including rights to:

• Access information
• Correct inaccurate information
• Delete certain information
• Obtain copies of information
• Restrict certain processing
• Opt out of certain uses
• Appeal certain decisions

We may require verification of identity before processing requests.

Certain requests may be denied where permitted by law.

11. Texas Privacy Rights

Residents of Texas may possess rights under the Texas Data Privacy and Security Act (TDPSA), including rights to:

• Confirm processing activities
• Access personal information
• Correct inaccuracies
• Delete personal information
• Obtain portable copies of personal information
• Opt out of certain targeted advertising
• Opt out of certain profiling activities

Requests may be submitted using the contact methods listed below.

Where required by law, users may appeal privacy-rights decisions.

12. California Privacy Rights

California residents may possess rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

California residents may have rights to:

• Know information collected
• Access information
• Correct information
• Delete information
• Limit use of sensitive information where applicable
• Opt out of certain sharing activities
• Receive information in portable form

Quikcent does not sell your personal information and does not share it for cross-context behavioral advertising.

13. Cookies and Tracking Technologies

Quikcent may use:

• Cookies
• Pixels
• Web beacons
• SDKs
• Session technologies
• Local storage technologies
• Analytics technologies

These technologies may be used for:

• Authentication
• Security
• Performance monitoring
• Analytics
• Fraud prevention
• User preferences
• Service improvement

Users may adjust browser settings to control cookies.

Disabling certain cookies may affect Service functionality.

Our website uses two kinds of cookies: essential cookies, which keep the site working and remember your cookie choice, and analytics cookies, which help us understand how the site is used (Google Analytics and The Lime Agency).

You can change your cookie choice at any time with the Cookie Preferences link at the bottom of every page of our website. In the European Economic Area, the United Kingdom and Switzerland, and if your browser sends a Global Privacy Control signal, analytics cookies stay off unless you turn them on.

13A. Do Not Track Signals

Certain web browsers may transmit "Do Not Track" signals. Because no uniform standard currently exists regarding such signals, Quikcent does not currently respond to browser-based Do Not Track mechanisms except as otherwise required by law.

14. Analytics and Advertising

We use analytics and error-reporting tools to understand how people use the Services and to find and fix problems:

• In the app: Amplitude and Google Firebase Analytics, which record which screens are used and which actions are taken (such as starting a payment), linked to your account ID; and Google Firebase Crashlytics and Sentry, which collect crash and error reports that include your account ID and email address, so we can help if something goes wrong.
• On our website: Google Analytics and The Lime Agency, an analytics provider we have hired to help us understand website visits.

These providers, including The Lime Agency, process this information on our behalf.

15. International Data Transfers

Information may be transferred to, processed in, and stored in the United States and other jurisdictions where Quikcent, its service providers, processors, or business partners operate.

When we transfer personal information internationally, we implement appropriate contractual, technical, and organizational safeguards designed to protect that information in accordance with applicable law.

By using the Services, you acknowledge and consent to such transfers where permitted by law.

16. Children's Privacy

The Services are not intended for individuals under eighteen (18) years of age.

Quikcent does not knowingly collect personal information from children.

If we become aware that information has been collected from a child in violation of applicable law, we may take reasonable steps to delete such information.

17. Third-party Websites and Services

The Services may contain links to third-party websites, services, applications, or resources.

Quikcent is not responsible for the privacy, security, or data handling practices of third parties.

Users should review applicable third-party privacy notices.

18. Appeals Process

Where required by applicable law, individuals may appeal privacy-rights decisions by contacting Quikcent using the contact information below.

Appeals will be reviewed in accordance with applicable law.

19. Changes to This Privacy Policy

Quikcent may modify this Privacy Policy at any time.

Updated versions become effective upon posting unless otherwise specified.

Continued use of the Services after publication of modifications constitutes acceptance of the revised Privacy Policy.

20. Contact Information

Quikcent, LLC

Address:
3120 Southwest Fwy Ste 101 #496973 Houston, TX 77098

Support Email: support@quikcent.com

Privacy Email: privacy@quikcent.com

Legal Email: legal@quikcent.com

Telephone: +1 (888) 208-4546

Website: www.quikcent.com

21. Notice to Merchants

Merchants remain solely responsible for compliance with all laws applicable to their own collection, processing, storage, use, and disclosure of customer information.

Nothing in this Privacy Policy relieves merchants of their independent legal obligations regarding:

• Consumer privacy
• Marketing communications
• Email compliance
• SMS compliance
• Consumer disclosures
• Data security
• Payment card compliance
• Industry-specific regulations

22. Entire Privacy Notice

This Privacy Policy constitutes Quikcent's primary privacy notice regarding the Services and supplements any additional notices, disclosures, or agreements provided in connection with specific products, services, promotions, or regulatory requirements.