Privacy Policy — PayGate

1. Introduction

PayGate ("we", "our", "us") respects your privacy and is committed to protecting the personal data of merchants and their customers.

This Privacy Policy explains what information we collect, how it is used, how it is protected, and what rights you have when using the PayGate application for BigCommerce.

By installing or using PayGate, you agree to the practices described in this Policy.

2. Information We Collect

a) Merchant Information (BigCommerce Store Data)

When you install PayGate, we may collect:

• BigCommerce store identifier (store hash, store ID)
• Store URL and basic store metadata
• Subscription plan and billing status (if applicable)
• Payment visibility rules and configuration settings
• App configuration and preferences

This information is required to provide and operate the Service.

b) Customer and Payment Data

When PayGate filters payment methods on checkout, we may process:

• Customer email addresses (for customer group identification)
• Customer group membership information
• Payment method codes and identifiers
• Store payment method configuration
• Checkout session information (temporarily, for filtering purposes)

Customer email addresses are used solely to identify customer group membership for payment method filtering. This data is processed in real-time during checkout and is not permanently stored beyond what is necessary for the service to function.

c) Automatically Collected Data

We may automatically collect limited technical data, including:

• App usage statistics and feature interactions
• Error logs and diagnostic data
• API request patterns and performance metrics
• Checkout script execution logs (for troubleshooting)

This data is used strictly for performance, reliability, and security improvements.

d) Payment Information

All payments and subscription management (if applicable) are handled by BigCommerce Billing or authorized payment processors.

PayGate does not store or process credit card details, payment card numbers, or sensitive billing information. PayGate only manages which payment methods are displayed to customers, not the actual payment processing.

3. How We Use Your Data

We use collected data to:

• Filter payment methods on checkout based on customer group membership
• Identify customer group membership using email addresses
• Apply payment visibility rules configured by merchants
• Store and manage payment visibility configuration settings
• Operate and improve app performance
• Provide customer and merchant support
• Ensure compliance with BigCommerce policies
• Troubleshoot payment filtering issues

We do not sell, rent, or trade your data.

Customer email addresses are used solely for identifying customer group membership to apply payment visibility rules. We do not use customer emails for marketing or any other purpose.

4. Data Storage & Security

Your data may be stored using secure cloud infrastructure, including:

• Firebase / Google Cloud (for app data and payment visibility rules)
• BigCommerce platform services (for store and customer data)
• Secure API endpoints (for real-time payment method filtering)

We apply industry-standard technical and organizational safeguards to protect data from unauthorized access, loss, or misuse.

Customer email addresses processed during checkout are handled securely and are not permanently stored beyond what is necessary for payment method filtering. Payment visibility rules and configuration settings are stored securely and are only accessible to authorized merchant accounts.

5. Data Sharing & Third Parties

We may share limited data only with trusted processors required to deliver the Service, such as:

• BigCommerce (store data, customer group information, payment method configuration)
• Cloud infrastructure providers (for app hosting and data storage)
• Payment processors (billing only, if applicable)

All third parties are contractually bound to comply with applicable data protection standards.

Customer email addresses are processed in real-time through our secure API to identify customer group membership. This information is not shared with third parties except as necessary to provide the payment filtering service.

6. Your Rights

As a merchant, you have the right to:

• Access your stored data
• Request corrections to inaccurate information
• Request deletion of your data (subject to billing or legal obligations)
• Disable or uninstall the application at any time
• Export your usage data and subscription information

For any data requests, contact us at: bigcommerce@finten.space

7. Data Retention

We retain data only for as long as necessary to:

• Provide the PayGate service
• Maintain audit and billing records (if applicable)
• Comply with legal obligations
• Ensure system security and integrity

Data is removed upon app uninstallation unless retention is legally required. Payment visibility rules and configuration settings are deleted when the app is uninstalled. Customer email addresses processed during checkout are not permanently stored.

8. Cookies & Local Storage

PayGate may use cookies or browser local storage for:

• Session management and authentication
• App configuration and preferences
• Performance analytics
• Temporary storage of payment filtering state during checkout

No tracking cookies are used for advertising purposes. The checkout script may use browser storage temporarily to cache payment visibility rules for performance optimization.

9. Policy Updates

We may update this Privacy Policy periodically to reflect changes in legal requirements or product functionality.

Continued use of AI-Describer after an update constitutes acceptance of the revised Policy.

10. Contact Information

If you have questions or concerns regarding this Privacy Policy or data handling practices, contact us at:

Email: bigcommerce@finten.space