Privacy Policy

Effective date: January 1, 2025. Last updated: January 1, 2025.

Cosairus Payment Services LLC ("Cosairus," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains what information we collect, how we use it, who we share it with, and your rights. If you have questions, contact us at info@cosairuspay.com.

1. Information We Collect

We collect information in the following categories:

  • Information you provide: Name, email, phone number, mailing address, business information, tax ID, and payment information when you register for an account or request services.
  • Transaction information: Payment amounts, dates, merchant IDs, and transaction history.
  • Device and log information: IP address, browser type, operating system, referring URLs, pages visited, and timestamps.
  • Cookies and similar technologies: We use cookies to maintain your session and improve site functionality. You can control cookies through your browser settings.

2. How We Use Your Information

We use your information for the following business purposes:

  • To provide, maintain, and improve our payment processing services.
  • To process transactions and send you related information.
  • To communicate with you about your account, services, and support requests.
  • To comply with legal obligations, including tax reporting and fraud prevention.
  • To secure our services and detect unauthorized activity.

3. Who We Share Information With

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

  • Elavon, Inc. (a wholly owned subsidiary of U.S. Bancorp): We share transaction data with Elavon to authorize, settle, and report on payments. We use tokenization and encryption to reduce exposure of raw card numbers, but Elavon receives transaction details necessary to process payments.
  • Service providers: Companies that help us operate our business, such as cloud hosting and analytics providers.
  • Legal authorities: When required by law, subpoena, or to protect our rights and safety.

4. Cookies and Tracking

We use cookies and similar technologies to operate our website, maintain your session, and understand how visitors use our site. You can set your browser to refuse cookies, but some features may not work properly. We do not use cookies to collect personally identifying information beyond what you voluntarily provide.

5. Data Retention

We retain your information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Tax and financial records are typically retained for at least seven (7) years in accordance with IRS and state recordkeeping requirements. When information is no longer needed, we securely delete or anonymize it.

6. Your Rights

Depending on your location, you may have the following rights:

  • Access: Request a copy of the personal information we hold about you.
  • Correction: Request that we correct inaccurate or incomplete information.
  • Deletion: Request that we delete your personal information, subject to legal retention requirements.
  • Opt-out: Under the CCPA, you have the right to opt out of the sale of personal information. We do not sell personal information, but if you wish to exercise this right, contact us.

To exercise these rights, contact us at info@cosairuspay.com. We will respond within the timeframes required by applicable law.

7. 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 we have collected information from a child under 13, contact us immediately and we will delete it.

8. Data Security and Breaches

We use encryption, tokenization, access controls, and other security measures to protect your information. No internet transmission is completely secure. In the event of a data breach affecting your personal information, we will notify you and applicable authorities as required by law.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will post changes on this page with a revised effective date. Material changes will be communicated to registered users via email or through the portal.

10. Contact Us

Cosairus Payment Services LLC
3525 Piedmont Road NE, Building 8, Suite 400
Atlanta, GA 30305
info@cosairuspay.com
+1 (404) 348-0645