Privacy Policy
Last Updated: November 11, 2026
1. Introduction
Finby (the "Company") is committed to protecting the privacy and security of personal information processed in connection with our payment processing platform. This Privacy Policy explains how we collect, use, disclose, retain, and safeguard information when you access or use our services, website, APIs, or related offerings (collectively, the "Services"). By using the Services, you acknowledge and agree to the practices described in this Privacy Policy.
2. Scope of This Policy
This Privacy Policy applies to information processed by the Company as a payment processing platform providing online checkout, payment links, recurring payments, and developer API and webhook tools for businesses. It should be read in conjunction with the Company Terms of Service.
3. Information We Collect
3.1 Account Information
- First and last name, email address, and phone number
- Account password, which is handled by our authentication provider
- Your acceptance of our Terms of Service and Privacy Policy
- Whether you chose to receive SMS messages from us
3.2 Account Activation Information
- The account owner's legal first and last name and date of birth
- Home address, including street, city, state or province, ZIP or postal code, and country
- Activation status (pending, in review, approved, or rejected)
3.3 Communications and Opt-Out Requests
- Name, email address, subject, and message sent through our contact form
- Email address and phone number submitted on our Unsubscribe page
- Records of SMS consent and opt-out requests
3.4 Usage and Technical Information
- IP addresses and device information
- Browser type and version
- Date and time of service usage
- Pages visited, links opened, and actions taken
3.5 Cookies
Necessary cookies are always active because the website needs them to function, for example to keep you signed in. Our cookie banner lets you accept or decline optional cookies: analytics cookies, which help us understand how visitors interact with the website, and marketing cookies, which are used to deliver personalized advertisements. Optional cookies are used only if you accept them. Your choice is saved in your browser; clearing this website's data in your browser resets it.
The forms on this website do not ask for payment card numbers or other payment instrument details.
4. How We Use Information
The Company uses collected information for the following purposes:
- To create and manage your account and provide the Services
- To review account activation requests before payment tools are enabled, and to keep you informed of their status
- To respond to contact form messages and provide customer support
- To send the SMS messages described in Section 7 if you opt in
- To honor opt-out and unsubscribe requests
- To detect, prevent, and respond to fraud, abuse, or security incidents
- To monitor compliance with our Terms of Service
- To improve service performance, reliability, and security
- To comply with applicable legal, regulatory, and contractual obligations
5. Legal Bases for Processing
Where required by law, the Company processes personal information based on one or more of the following legal bases: performance of a contract, compliance with legal obligations, legitimate business interests (including fraud prevention and security), and consent where applicable.
6. Disclosure of Information
The Company does not sell or rent personal information. We may disclose information only in the following circumstances:
- With service providers and subprocessors that assist with hosting, data storage, account sign-in, email and SMS delivery, email address validation, opt-out management, analytics, security, or support
- With telecommunications carriers and aggregators as required to deliver SMS messages
- To comply with law, regulation, legal process, or governmental requests
- To protect the rights, property, or safety of the Company, users, or others
- In connection with a merger, acquisition, reorganization, or sale of assets
No mobile information is shared or sold for marketing or promotional purposes.
7. SMS Communications and Consent
The Company sends SMS messages only to users who opt in, and solely for account notifications, account activation status updates, requests for additional information, payment activity notifications, one-time passcodes, and security-related notifications. Text messaging originator opt-in data and consent records are collected and stored securely and are not shared with third parties except as required to provide the Services or comply with law.
Users may opt out of any non-essential communications by replying STOP to applicable messages, by using our Unsubscribe page, or by contacting help@finby.org.
8. Data Retention
The Company retains personal and account data only for as long as necessary to provide the Services, comply with legal obligations, resolve disputes, enforce agreements, and prevent fraud or abuse. Retention periods vary depending on data type and legal requirements.
9. Data Security
We use administrative and technical safeguards designed to protect personal information, including encryption in transit and access controls. Despite these measures, no method of transmission or storage is completely secure.
10. Your Rights and Choices
Depending on your jurisdiction, you may have rights regarding your personal information, including the rights to access, correct, delete, restrict, or request portability of your data. Requests may be submitted using the contact information below.
11. Children's Privacy
The Services are not intended for individuals under the age of 18. The Company does not knowingly collect personal information from children and will delete such information if discovered.
12. International Data Transfers
The Company operates primarily from the United States. If you access the Services from outside the U.S., your information may be transferred to and processed in the United States or other jurisdictions.
13. Compliance with Privacy Laws
The Company complies with applicable data protection laws, including the GDPR, CCPA/CPRA, and other U.S. state privacy laws, as applicable to our role as a service provider.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Material changes will be posted with an updated "Last Updated" date.
15. Contact Information
Finby
Email: help@finby.org
Phone: (855)-804-2600
Please also review our Terms of Service.