Privacy Policy

Effective Date: July 15, 2026

Peak Pay respects your privacy and is committed to handling personal information responsibly. This Privacy Policy explains what information Peak Pay may collect, how it may be used and shared, and the choices available to you.

By using this website, submitting a form, requesting information, or interacting with Peak Pay, you acknowledge the practices described in this Privacy Policy.

1. Information We May Collect

Peak Pay may collect information that you voluntarily provide, including:

• Your name
• Business name
• Email address
• Telephone number
• Business address
• Information about your business, products, services, revenue, payment-processing needs, financing needs, or consulting needs
• Information contained in messages, forms, applications, documents, or correspondence you submit
• Any other information you choose to provide

We may also automatically collect limited technical information when you visit the website, including:

• Internet Protocol address
• Browser and device type
• Operating system
• Pages viewed
• Referring website
• Date and time of access
• General geographic location derived from an IP address
• Cookie, analytics, and similar technology information

2. Information Submitted Through Third-Party Platforms

Some Peak Pay services use websites, applications, forms, or platforms operated by third parties.

For example, business-funding applications and consumer-financing registrations may be completed through third-party platforms. Information entered directly into those platforms may be collected and processed by the platform provider, participating lenders, finance companies, service providers, or other parties involved in evaluating or providing the requested product.

Those third parties maintain their own privacy policies, terms, security practices, and data-retention procedures. Peak Pay encourages you to review those policies before submitting sensitive personal, financial, banking, or credit-related information.

Do not send Social Security numbers, bank-account credentials, payment-card numbers, passwords, or similarly sensitive information through an ordinary website contact form or unencrypted email.

3. How We May Use Information

Peak Pay may use collected information to:

• Respond to questions and requests
• Provide information about Peak Pay products and services
• Evaluate your business needs
• Connect you with appropriate processing, financing, funding, consulting, or partner-program resources
• Facilitate applications, registrations, referrals, or introductions
• Communicate regarding an existing or potential business relationship
• Provide customer or partner support
• Schedule appointments
• Improve the website, services, marketing, and user experience
• Maintain business records
• Detect, investigate, or prevent fraud, misuse, security incidents, or unlawful activity
• Comply with legal, regulatory, contractual, or reporting obligations
• Protect Peak Pay, its customers, partners, service providers, and others

4. How Information May Be Shared

Peak Pay may share information as reasonably necessary with:

• Payment processors
• Banks
• Funding providers
• Finance companies
• Participating lenders
• Consumer-finance platform providers
• Underwriting and verification providers
• Customer relationship management providers
• Website, hosting, analytics, email, scheduling, communications, and technology providers
• Consultants, contractors, professional advisers, and support providers
• Referral partners or business partners involved in fulfilling your request
• Government agencies, regulators, courts, law-enforcement agencies, or other parties when required or permitted by law

Peak Pay may also disclose information when reasonably necessary to protect legal rights, prevent fraud, address security concerns, enforce agreements, respond to legal process, or protect the safety of individuals or businesses.

If Peak Pay is involved in a merger, acquisition, financing, sale of assets, reorganization, or similar business transaction, information may be transferred as part of that transaction.

5. Sale and Sharing of Personal Information

Peak Pay does not knowingly sell personal information in exchange for monetary payment.

The website may use analytics, advertising, cookie, or similar technologies that disclose limited online identifiers or browsing information to technology providers. Certain privacy laws may define some of these activities as a “sale,” “sharing,” or targeted advertising even when no money is exchanged.

Where required by applicable law, you may request to opt out of qualifying sales, sharing, or targeted advertising by contacting Peak Pay using the information below.

6. Cookies and Analytics

Peak Pay and its service providers may use cookies, pixels, analytics tools, and similar technologies to:

• Operate and secure the website
• Remember preferences
• Understand website usage
• Measure website performance
• Improve content and services
• Evaluate advertising or marketing effectiveness

You may be able to limit cookies through your browser settings. Disabling cookies may affect the availability or operation of certain website features.

Where required, Peak Pay will process recognized browser-based privacy preference signals in accordance with applicable law.

7. Data Retention

Peak Pay retains personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, maintain business and legal records, resolve disputes, enforce agreements, comply with applicable obligations, and protect against fraud or security risks.

Retention periods may vary depending on the type of information, the service requested, the nature of the relationship, legal requirements, and the practices of applicable third-party providers.

8. Your Privacy Rights

Depending on where you live and subject to applicable legal exceptions, you may have the right to request that Peak Pay:

• Confirm whether your personal information is being processed
• Provide access to certain personal information
• Correct inaccurate personal information
• Delete certain personal information
• Provide certain information in a portable format
• Explain the categories of information collected, used, or disclosed
• Identify categories of third parties receiving information
• Opt you out of certain targeted advertising, sales, or sharing
• Restrict or withdraw consent for certain processing
• Review or appeal a decision regarding a privacy request

To submit a privacy request, email c.sandifer@peakpay.biz with the subject line Privacy Request, or call 1-888-710-3772.

Please include your name, contact information, state of residence, relationship with Peak Pay, and the nature of your request.

Peak Pay may need to verify your identity before fulfilling a request. Authorized agents may be required to provide proof of authorization. Peak Pay will not unlawfully discriminate against you for exercising an applicable privacy right.

Some information may be exempt from privacy requests, including information that must be retained for legal, security, fraud-prevention, contractual, recordkeeping, or regulatory purposes.

9. Security

Peak Pay uses reasonable administrative, technical, and organizational measures intended to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no website, email transmission, internet connection, electronic storage system, or security process can be guaranteed to be completely secure. You submit information electronically at your own risk.

Please use secure application links when submitting financial or banking documents and do not send sensitive information through ordinary email or general website contact forms.

10. Third-Party Websites

The Peak Pay website may link to websites, applications, forms, or services operated by third parties.

Peak Pay does not control and is not responsible for the privacy, security, accuracy, content, availability, or practices of third-party services. A link does not necessarily constitute an endorsement.

You should review the privacy policy and terms of each third-party service before providing information.

11. Children’s Privacy

Peak Pay’s website and services are intended for business owners, business representatives, independent sales professionals, and other adults.

Peak Pay does not knowingly solicit or collect personal information directly from children under 13. If you believe a child has submitted personal information through the website, contact Peak Pay so the information can be reviewed and, where appropriate, deleted.

12. Communications

If you provide contact information, Peak Pay may contact you regarding your inquiry, application, registration, appointment, business relationship, requested service, or related products and services.

You may request to stop receiving nonessential marketing emails by using an unsubscribe link where provided or by contacting Peak Pay. Transactional, service-related, legal, security, and account-related communications may continue where appropriate.

13. Changes to This Privacy Policy

Peak Pay may update this Privacy Policy periodically to reflect changes in services, technology, business practices, or applicable requirements.

The updated policy will be posted on this page with a revised effective date. Continued use of the website after an update constitutes acknowledgment of the revised policy.

14. Contact Peak Pay

Questions, privacy requests, or concerns may be directed to:

Peak Pay
Email: c.sandifer@peakpay.biz
Telephone: 1-888-710-3772
Website: www.peakpay.biz

Security Statement

Effective Date: July 15, 2026

Peak Pay recognizes the importance of protecting personal, business, financial, and application-related information.

Our Approach to Security

Peak Pay uses reasonable administrative, technical, and organizational safeguards intended to protect information from unauthorized access, disclosure, alteration, misuse, or loss.

Depending on the service and information involved, safeguards may include:

• Limiting access to information based on legitimate business needs
• Using password-protected systems and accounts
• Using reputable website, hosting, communications, and technology providers
• Directing sensitive applications and documents through designated third-party platforms
• Reviewing access and account permissions
• Maintaining appropriate business records
• Taking reasonable steps to detect or respond to suspected misuse or security incidents
• Disposing of information when it is no longer reasonably needed, subject to legal and business requirements

The FTC recommends collecting only necessary information, protecting retained information, disposing of it appropriately, and maintaining an incident-response plan.

Secure Applications

Peak Pay may direct applicants and customers to secure third-party platforms for business-funding applications, consumer-finance registrations, document uploads, underwriting, verification, or similar services.

These platforms may maintain security controls and privacy practices separate from Peak Pay. Users should review the applicable platform’s privacy policy and terms before submitting information.

Information You Should Not Email

Please do not submit the following through ordinary email or a general website contact form:

• Social Security numbers
• Tax-identification documents
• Bank-account usernames or passwords
• Full payment-card numbers
• Online banking credentials
• Government-issued identification documents
• Complete bank statements
• Medical information
• Any other highly sensitive information

Use only the secure application or document-submission link provided for the applicable product.

No Guarantee of Absolute Security

Although Peak Pay takes reasonable precautions, no website, network, device, email transmission, electronic database, or third-party platform can be guaranteed to be completely secure.

Peak Pay therefore cannot warrant or guarantee that information will never be accessed, disclosed, altered, lost, or misused.

Suspected Security Issues

If you believe information submitted to or through Peak Pay has been compromised, or you receive a suspicious message claiming to represent Peak Pay, contact us promptly:

Telephone: 1-888-710-3772

Do not send sensitive information as part of the initial report.