Privacy Policy

1. Introduction

Karma Merchant Brokers ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, request information, opt in to communications, or use our services.

2. Information We Collect

3. How We Use Your Information

We may use the information we collect to:

• Provide, maintain, and improve our services
• Respond to inquiries and schedule appointments or consultations
• Process merchant services applications
• Provide payment processing support
• Provide website, CRM, AI automation, customer retention, review, and local marketing services
• Communicate with you about requested services
• Send marketing communications when you have provided consent
• Analyze website usage and improve user experience
• Prevent fraud and protect our business
• Comply with legal, regulatory, underwriting, and processor requirements

4. Information Sharing and Disclosure

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

• Payment processors, banks, gateways, underwriting partners, and merchant services providers
• Service providers who assist with website hosting, CRM, automation, messaging, email, marketing support, customer communication, or business operations
• Legal authorities when required by law, regulation, subpoena, court order, or to protect our rights
• Business transfer parties in connection with a merger, sale, acquisition, financing, or transfer of business assets

We only share information as reasonably necessary to provide services, support our business operations, comply with legal requirements, or fulfill the purpose for which the information was provided.

5. SMS Opt-In and Mobile Communications

6. Mobile Information Sharing

Mobile phone numbers, SMS consent records, and opt-in information collected for SMS communication purposes will not be sold, rented, shared, or disclosed to third parties or affiliates for their marketing or promotional purposes.

We may share mobile information with service providers only when necessary to deliver SMS messages, manage communications, provide requested services, or support our business operations. Mobile carriers are not liable for delayed or undelivered messages.

7. Marketing Communications

We may send marketing communications by email, phone, or text message only where permitted and, where required, with your consent. You may opt out of marketing communications at any time by following the unsubscribe or opt-out instructions provided in the message, replying STOP to text messages, or contacting us directly.

8. Cookies and Tracking Technologies

We may use cookies and similar tracking technologies to improve website performance, understand visitor activity, and enhance user experience. You can control cookie preferences through your browser settings.

9. Data Security

We use reasonable technical, administrative, and organizational safeguards to protect personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

10. Healthcare and Sensitive Information

For healthcare-related clients or businesses, Karma Merchant Brokers may provide business support tools, CRM assistance, automation, payment-related services, or related technology support. When applicable, healthcare clients are responsible for ensuring their own legal, regulatory, HIPAA, and privacy compliance requirements are met. Karma Merchant Brokers will use reasonable safeguards when handling sensitive information and will follow applicable written agreements where required.

11. Your Rights and Choices

You may request to:

• Access your personal information
• Correct inaccurate information
• Delete certain information
• Opt out of marketing communications
• Request a copy of certain information
• Object to certain uses of your information where applicable

To make a request, contact us at 1-866-993-8971 or through our contact form.

12. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we update this policy, we will post the revised version on this page and update the "Last Updated" date.

14. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us: