Effective Date: July 21, 2026

1. Information We Collect

To provide payment processing services, underwriting, and account management, we collect personal and business information. This data is collected when you visit cmshub.io, apply for a merchant account, or interact with our customer support teams.

• Business Information: Corporate legal name, Doing Business As (DBA) name, tax identification numbers (EIN), corporate structure, business address, and processing history.
• Owner/Principal Information: Full name, date of birth, home address, social security number (SSN), contact details, and government-issued identification required to comply with "Know Your Customer" (KYC) and Anti-Money Laundering (AML) banking laws.
• Financial Information: Settlement bank account numbers, routing numbers, and financial statements necessary to deposit transaction funds and manage risk.

2. How We Use Your Information

We use your information strictly to execute core merchant services, including:

• Processing applications and facilitating underwriting decisions.
• Setting up and managing payment processing services via industry-leading payment processors and underlying member clearing banks.
• Maintaining your POS systems, wireless card machines, online payment gateways, and invoicing records.
• Preventing, detecting, and mitigating fraud or unauthorized activities.

3. Data Sharing and Third-Party Disclosures

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties

• Sponsor Banks and Core Processors: Data is securely transmitted to industry-leading payment processors and their respective member banks to clear, approve, and settle your credit card transactions.
• Service Providers: We may share data with specialized vendors who assist with hardware logistics (POS distribution), technical site analytics, and identity verification services.
• Legal and Regulatory Authorities: We will disclose data when legally required by law, subpoena, or to cooperate with financial regulatory bodies.

4. Security and Data Protection (PCI Compliance)

The security of your financial information is our highest priority.

• We adhere strictly to the Payment Card Industry Data Security Standard (PCI-DSS).
• All electronic data transmissions containing financial or sensitive personal information are encrypted using industry-standard secure socket layers and routing protocols.
• Access to your personal and business files is restricted to authorized operations personnel who require the data to service your merchant account.

5. Contact Us

If you have any questions or concerns regarding this policy or how your data is handled, please contact our compliance department:

• Website: cmshub.io
• Email: info@cmshub.io
• Mailing Address: 4943 Sky Bluff Dr, Katy, TX 77493