Privacy Policy

1. Information We Collect

When you use ChargeAct's website or services, we may collect the following personal information:

• Full name
• Email address
• Phone / mobile number
• Home / mailing address
• Industry
• Company name

2. How We Use Your Information

We use the information we collect to process your merchant application, respond to inquiries, provide customer support, send relevant communications about our services, and improve our website and offerings. We do not sell your personal information to third parties.

3. Third-Party Services

We use the following third-party services that may collect data in connection with your use of our website:

• Google Analytics 4 (via Google Tag Manager) — Website traffic and usage analytics
• PostHog — Product analytics and usage measurement
• Reddit Pixel & Conversions API — Advertising measurement and conversion attribution
• Postal Admin — Marketing attribution
• Cloudflare Turnstile — Bot protection on our forms

Each of these services has its own privacy policy governing the use of your information.

4. Cookies & Tracking

We use cookies and similar technologies (such as browser storage and tracking pixels) to run our website, remember your preferences, measure usage, and support our marketing. We group these into four categories:

• Strictly necessary — required for core functionality, security, and remembering your cookie choices (e.g., Cloudflare Turnstile, our consent cookie).
• Functional — enable optional convenience features.
• Analytics — help us understand how the site is used (Google Analytics, PostHog).
• Marketing — support advertising and attribution (Reddit Pixel, Postal Admin).

Non-essential cookies (Functional, Analytics, Marketing) are blocked until you opt in. You can accept all, allow only Functional, or decline, and you can change your choices at any time using the “Cookie Preferences” link in the footer. We also honor Global Privacy Control (GPC) browser signals. For a full list of the cookies and storage we use, their providers, purposes, and durations, see our Cookie Policy.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet is 100% secure.

6. GDPR Rights (EEA & UK)

If you are located in the European Economic Area (EEA) or the United Kingdom, we process your personal data under the following legal bases:

• Consent — for non-essential cookies and tracking (Analytics and Marketing), which are only set after you opt in.
• Legitimate interests — for securing our site and forms and for basic operation.
• Contract / pre-contract steps — to process your merchant application and respond to your inquiries.
• Legal obligation — where we must retain or disclose information to comply with the law.

Because non-essential trackers are blocked until you accept, we obtain prior consent before any Analytics or Marketing cookies are placed. You may withdraw your consent at any time via the “Cookie Preferences” link in the footer, without affecting the lawfulness of processing carried out before withdrawal. As a data subject, you also have the right to:

• Access the personal data we hold about you
• Rectify inaccurate or incomplete data
• Erase your data (“right to be forgotten”)
• Restrict or object to certain processing
• Data portability
• Lodge a complaint with your local supervisory authority

To exercise these rights, contact us at [email protected].

7. California Privacy Rights (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA), gives you the right to:

• Know what personal information we collect, use, and disclose
• Delete personal information we hold about you
• Correct inaccurate personal information
• Opt out of the “sale” or “sharing” of your personal information (including sharing for cross-context behavioral advertising)
• Non-discrimination for exercising any of these rights

Some of our advertising and analytics cookies may be considered a “sale” or “sharing” of personal information under California law. You can opt out using the “Do Not Sell or Share My Personal Information” control available through the “Cookie Preferences” link in the footer, where you can decline Marketing and Analytics cookies. We also honor Global Privacy Control (GPC) browser signals as a valid, binding request to opt out of the sale or sharing of your personal information. To exercise any of these rights, you may also contact us at [email protected]. Residents of other U.S. states with comprehensive privacy laws (such as Colorado, Connecticut, Delaware, Florida, Utah, and Virginia) may have similar rights, which we honor where applicable.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page with an updated effective date. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

10. Contact Us

If you have questions about this Privacy Policy or how we handle your personal information, please contact us at [email protected].