Privacy Policy

1. Introduction

JDMH Business Solutions, LLC ("JDMH," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website jdmhbusinesssolutions.com, apply for our services, or use any of our products including PointPlus, PaySumi, TAP|VERIFY|PAY, and related services (collectively, the "Services"). Please read this policy carefully. If you disagree with its terms, please discontinue use of our Services.

2. Information We Collect

A. Information You Provide Directly

• Business name, owner name, and contact information (email, phone number)
• Billing and payment information for SaaS subscriptions and hardware purchases
• Merchant application data including business type, EIN/Tax ID, and bank account information for processing setup
• Communications you send us via contact forms, email, or support channels

B. Information Collected Automatically

• IP address, browser type, and operating system
• Pages visited, time on site, and referring URL
• Device identifiers for Sunmi hardware registered to your account
• Transaction metadata (not full card data) processed through PaySumi

C. Information from Third Parties

• Payment processor verification data (e.g., identity verification for merchant accounts)
• Credit or risk evaluation data from approved banking partners

3. How We Use Your Information

We use the information we collect to:

• Process merchant applications and provision accounts
• Provide, operate, and maintain our Services
• Process payments and manage billing
• Configure and ship Sunmi hardware devices to your business
• Send transactional communications (receipts, account notices, support responses)
• Send promotional communications about new products or features (you may opt out at any time)
• Monitor and improve the performance and security of our Services
• Comply with legal obligations and prevent fraud
• Enforce our Merchant Terms of Service

4. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Payment processors and banking partners – Necessary to provision merchant IDs and process transactions through PaySumi.
• NMI – Our backend payment gateway infrastructure provider. Merchant data shared is limited to what is required for VAR sheet submission and account provisioning.
• Sunmi – For device warranty registration and hardware support where applicable.
• Firebase / Google – Our cloud infrastructure provider for data storage and authentication.
• Service providers – Trusted vendors who assist in operating our business (e.g., email delivery, analytics), bound by confidentiality agreements.
• Legal authorities – When required by law, subpoena, court order, or to protect the rights and safety of JDMH and its merchants.
• Business transfers – In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Payment Card Data

JDMH does not store full payment card numbers, CVV codes, or magnetic stripe data. All card transactions processed through PaySumi are handled in compliance with PCI DSS (Payment Card Industry Data Security Standard) requirements. Card data is encrypted and tokenized at the point of capture. JDMH only retains transaction identifiers and metadata necessary for reporting and support.

6. Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience. Cookies help us understand how visitors interact with our site and allow us to remember your preferences. You may disable cookies through your browser settings; however, some features of the site may not function properly without them.

We do not currently use third-party advertising cookies or cross-site tracking.

7. Data Retention

We retain your information for as long as your merchant account is active and for a reasonable period thereafter to comply with legal obligations, resolve disputes, and enforce our agreements. Specifically:

• Merchant application and processing records are retained for a minimum of 5 years as required by financial regulations.
• Transaction records are retained for 7 years.
• Communication records are retained for 3 years.

8. Security

We implement industry-standard technical and organizational security measures to protect your information, including encrypted data transmission (HTTPS/TLS), access controls, and secure cloud storage via Firebase. However, no method of transmission over the Internet or electronic storage is 100% secure. We encourage you to use strong passwords and contact us immediately if you suspect unauthorized access to your account.

9. Your Rights & Choices

Depending on your location, you may have the following rights regarding your personal information:

• Access – Request a copy of the personal information we hold about you.
• Correction – Request correction of inaccurate or incomplete information.
• Deletion – Request deletion of your personal information, subject to legal retention requirements.
• Opt-Out of Marketing – Unsubscribe from promotional emails at any time using the unsubscribe link or by contacting us directly.
• Data Portability – Request your data in a portable format where technically feasible.

To exercise any of these rights, contact us at support@jdmhbusinesssolutions.com.

10. 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 become aware that we have collected information from a person under 18, we will take steps to delete it promptly.

11. Third-Party Links

Our website may contain links to third-party websites such as Sunmi's product pages or Apple App Store listings. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before providing any personal information.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the "Last Updated" date at the top of this page. Your continued use of our Services after any changes constitutes your acceptance of the revised policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us: