Privacy Policy

Miova LLC, doing business as Miovapay (“FeeSwipe,” “we,” “us,” or “our”), respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose and protect personal information when you visit feeswipe.co, complete our forms or questionnaires, use our calculator, communicate with us, submit payment-related information or documents or use our services.

Miova LLC is based in Texas, United States and serves businesses in the United States and Canada, including Québec.

Privacy Officer
Founder, Miova LLC
Email: privacy@feeswipe.co

1. Information We Collect

The information we collect depends on how you interact with us and may include:

Contact and business information, such as your name, business email address, phone number, company name, job title, business location and other information you provide when contacting us or booking a meeting.

Payment and business information, such as your payment provider, card-processing volume, transaction volumes and sizes, payment channels, card or payment mix, markets served, currencies, pricing arrangements and other information about your payment setup.

Processor statements and related documents that you choose to provide for us to assess or optimize your payment costs. These documents may contain merchant identification numbers, pricing information, settlement information, transaction summaries, account information or personal information relating to business owners or representatives.

Questionnaire and calculator information, including the information you provide to receive an illustrative savings estimate or determine whether our services may be relevant to your business.

Communications, including emails, messages, meeting information, feedback, and other correspondence with us.

Website and technical information, such as IP address, browser and device information, pages visited, referring pages, and information about how our website is used.

Where permitted by law, we may also use professional or business contact information obtained from public sources, referrals, professional directories, or business-information providers for legitimate business-development purposes.

Information we do not need

Miovapay does not need your full payment card numbers, CVV or security codes, online banking passwords, payment-provider passwords, Social Security numbers, Social Insurance Numbers or similar authentication credentials to provide our services.

Please do not send this information to us. Where possible, remove unnecessary sensitive personal information from documents before submitting them.

2. How We Use Information

We use personal information as reasonably necessary to:

• respond to inquiries and communicate with you;

• determine whether our services may be relevant to your business;

• generate preliminary or illustrative savings estimates;

• analyze processor statements, payment costs, and pricing;

• identify and recommend potential payment-cost improvements;

• provide our payment optimization services;

• communicate with your payment providers or other representatives when you authorize us to do so;

• implement and monitor agreed payment changes;

• verify savings and administer our relationship with you;

• schedule meetings and maintain business records;

• operate, secure, troubleshoot, and improve our website and services;

• prevent fraud or misuse;

• comply with legal obligations and protect our legal rights; and

• send business or marketing communications where permitted by law.

We limit the collection and use of personal information to what is reasonably necessary for these purposes.

Where applicable law requires consent, we obtain consent appropriate to the nature of the information and the purpose for which it is collected, used, or disclosed.

If we want to use personal information for a materially different purpose, we will provide any additional notice or obtain any additional consent required by law.

3. Calculator and Questionnaire Results

Our calculator and questionnaires may use information you provide to generate illustrative savings estimates or assess whether our services may be relevant to your business. These results are estimates only and do not guarantee savings.

4. How We Disclose Information

We may disclose personal information to:

Service providers that help us operate our business, including providers of website hosting, forms, secure file storage, email, scheduling, communications, analytics, customer management, billing, and information technology services.

Your payment providers or representatives when you authorize us to work with your processor, acquirer, gateway, financial institution, software provider, accountant, employee, or other representative on your behalf.

Professional advisers, such as lawyers, accountants, insurers, or security professionals, when reasonably necessary.

Government authorities or other parties where disclosure is required or permitted by law or reasonably necessary to protect our rights, security, clients, or others.

Information may also be transferred as part of a merger, acquisition, financing, reorganization, or sale of all or part of our business, subject to appropriate confidentiality protections.

We require service providers handling personal information on our behalf to use it only for authorized purposes and to provide appropriate protection.

5. Sale and Targeted Advertising

FeeSwipe does not sell personal information.

We also do not currently share personal information for cross-context behavioral advertising or use personal information for targeted advertising based on your activity across unrelated websites or services.

If these practices change, we will update this Privacy Policy and provide any notices or choices required by applicable law.

6. Cookies and Website Technologies

Our website uses cookies and similar technologies to operate the website, maintain security, process forms and scheduling requests, remember preferences, and understand how visitors use the Site.

We use Google Analytics to help us understand website traffic and usage. Google Analytics may collect information such as pages visited, interactions with the Site, approximate location, device and browser information, and identifiers stored through cookies. We use this information to understand and improve our website and services.

Where applicable law requires consent, non-essential analytics technologies are not activated until you choose to enable them.

You can manage your choices through the cookie controls available on our website. You may also control or delete cookies through your browser settings.

Information processed through Google Analytics may be processed by Google in the United States or other jurisdictions. For more information about cross-border processing, see Section 8 below.

7. Information About Other People

Documents provided by a business client may contain personal information about owners, employees, customers, or other individuals.

Please provide only information that you are authorized to provide and that is reasonably necessary for the services you request from us. Where information about another person is unnecessary, we encourage you to remove or redact it before sending the document to us.

8. Processing Outside Canada and Québec

FeeSwipe is based in the United States.

If you are located in Canada, including Québec, personal information you provide to us may be processed or stored in the United States. Our service providers may also process information in the United States, Canada, or other jurisdictions.

When personal information is processed outside your province or country, it may be subject to the laws of that jurisdiction and may be accessible to courts, law-enforcement agencies, or other governmental authorities where legally required.

We use contractual, organizational, and technical measures designed to protect information handled by our service providers and take additional steps required by applicable Canadian and Québec privacy laws when information is processed outside its jurisdiction of origin.

9. Retention

We retain personal information only for as long as reasonably necessary to provide our services, maintain our business and financial records, resolve disputes, protect our legal rights, meet security needs, and comply with applicable legal obligations.

When information is no longer required, we take reasonable steps to securely delete, destroy, or de-identify it as permitted by law.

You may contact our Privacy Officer for additional information about the retention of your personal information.

10. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against loss, theft, unauthorized access, disclosure, alteration, or misuse.

The level of protection we use takes into account the sensitivity of the information. Access to client information is limited to people and service providers who require it for authorized purposes.

No electronic system or method of transmission is completely secure, and we cannot guarantee absolute security.

If a privacy or security incident occurs, we will investigate it and provide any notifications required by applicable law.

11. Your Privacy Rights

Depending on where you live and the laws that apply, you may have the right to:

• request access to personal information we hold about you;

• request correction of inaccurate or incomplete information;

• request deletion of certain personal information;

• withdraw consent where our processing relies on your consent, subject to legal or contractual restrictions;

• request information about how we have used or disclosed your information;

• receive certain information in a portable format where applicable;

• opt out of certain sales, targeted advertising, or profiling where applicable; and

• submit a complaint about our privacy practices.

Residents of Québec may have additional rights under Québec privacy law.

Residents of U.S. states with applicable comprehensive privacy laws may also have the rights provided by those laws, subject to their scope, exceptions, and applicability to Miovapay.

To exercise a privacy right, contact us at privacy@feeswipe.co. We may need to verify your identity before completing your request.

Where applicable law provides a right to appeal a decision regarding your privacy request, you may submit an appeal using the same email address.

12. Marketing Communications

You may unsubscribe from promotional emails at any time by using the unsubscribe link in the communication or contacting us.

We may still send non-promotional communications relating to an inquiry, client relationship, transaction, security matter, or other service you requested.

13. Children's Privacy

FeeSwipe provides business services and our website is not directed to children.

We do not knowingly collect personal information from children in circumstances prohibited by applicable law.

14. Third-Party Services

Our website may link to or integrate with services operated by third parties.

When a third party collects information independently from you rather than processing it solely on our behalf, its own privacy policy may apply. We are not responsible for the independent privacy practices of third-party websites or services.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our services, technology, vendors, legal requirements, or privacy practices.

The “Last updated” date above shows when this Policy was most recently revised.

If required by law, we will provide additional notice of material changes.

16. Contact Us

For questions, privacy requests, or complaints regarding this Privacy Policy or our handling of personal information, contact:

Privacy Officer
Miova LLC (FeeSwipe)
TX, United States
privacy@feeswipe.co