Privacy Policy

1. About This Policy

This Privacy Policy ("Policy") explains how Ace Payment Services, Inc. ("we," "us," or "our") collects, uses, discloses, and protects personal information obtained through our website at acepayment.co.com and in connection with our financial services. This Policy is part of our Terms of Service.

2. Information We Collect

Identity Information: To comply with our legal obligations under the Bank Secrecy Act and applicable state law, we collect identity information including your full name, date of birth, residential address, government identification numbers, and copies of government-issued identification documents.

Contact Information: We collect your email address, mailing address, and other contact details necessary to operate your account and communicate with you.

Transaction Information: We collect records of transactions conducted through our services, including amounts, dates, parties involved, and other transaction details.

Device and Usage Information: We may collect information about the devices you use to access our services, including IP address, browser type, and access times.

3. How We Use Your Information

We use personal information to:

• Verify your identity and comply with our Customer Identification Program (CIP)
• Open and maintain your account and provide our services
• Comply with the Bank Secrecy Act, anti-money laundering regulations, and other applicable laws
• Screen against OFAC sanctions lists and other government watchlists
• Detect and prevent fraud, money laundering, and other illegal activity
• Communicate with you about your account and our services
• Meet our reporting obligations to regulatory authorities

4. Disclosure of Information

We may disclose your personal information:

• To regulatory authorities: We are required by law to disclose certain information to FinCEN, the IRS, and other regulatory bodies, including through filing Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs).
• To law enforcement: We may disclose information in response to lawful subpoenas, court orders, or law enforcement requests.
• To service providers: We may share information with third-party service providers who assist us in operating our services, subject to confidentiality agreements.
• With your consent: We may share information for other purposes with your explicit consent.

We do not sell personal information to third parties for marketing purposes.

5. Data Security

We implement administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and destruction. However, no data transmission or storage system can be guaranteed to be 100% secure. If you believe your information has been compromised, please contact us immediately at admin@acepayment.co.com.

6. Data Retention

We retain personal information for as long as required to provide our services and comply with applicable legal obligations. BSA regulations require us to retain certain records for a minimum of five (5) years. We may retain information longer as required by applicable law or as necessary to resolve disputes or enforce our agreements.

7. Your Rights

Subject to applicable law, you may have the right to: access personal information we hold about you; correct inaccurate information; request deletion of certain information; and receive a copy of your information in a portable format. To exercise these rights, contact us at admin@acepayment.co.com. Note that certain rights may be limited by our legal obligations, including BSA recordkeeping requirements.

8. Cookies and Tracking

Our website may use cookies and similar technologies to operate and improve our website. We do not use third-party tracking cookies for advertising purposes. You may disable cookies through your browser settings, though some features of our website may not function correctly without them.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have collected information from a minor, we will delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated Policy on our website. Your continued use of our services following notice of changes constitutes acceptance of the revised Policy.

11. Contact Us

For questions or concerns about this Privacy Policy or our data practices, contact us at:

Ace Payment Services, Inc.
300 E. John Carpenter Fwy., Ste. 900
Irving, TX 75062
admin@acepayment.co.com