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Privacy Policy

Effective Date: August 1, 2024
Last Updated: March 25, 2026

PABTEK LLC (“PABTEK”, “we”, “our”, or “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our websites, applications, and services — including the PAB Gateway, Quick2Pay, PayAnyBiz Platform and other associated payment tools (collectively, the “Services”). 

By accessing or using our Services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

A. Information You Provide
We collect the following information when you use our Services:
  • Account Information: Your name, email, business name, phone number, and address.
  • Payment Information: Partial or tokenized card and bank account details processed by PCI-compliant partners.
  • Business Data: Invoice and transaction details, customer names and emails, and dispute information.
  • Communications: Support tickets, messages, and any other information you provide directly to us.
B. Information Collected Automatically
We automatically collect certain technical data, including:
  • Usage Data: Pages visited, actions taken, and features used.
  • Device and Connection Information: Browser type, IP address, operating system, device identifiers.
  • Cookies and Tracking Technologies: We use cookies and similar tools to enhance your experience and analyze usage patterns.

2. How We Use Your Information

We use your information to:
  • Operate, maintain, and improve our Services.
  • Process payments and facilitate invoicing and reconciliation.
  • Enable and manage Quick2Pay, the PAB Gateway, PayAnyBiz Platform and related features.
  • Respond to support requests and provide customer service.
  • Communicate important updates, service notices, or marketing (you may opt out).
  • Send transactional SMS/text messages related to your account activity (see our Terms of Service for SMS consent details).
  • Detect, prevent, and investigate fraudulent or unauthorized activity.
  • Comply with legal obligations and enforce our terms.

3. How We Share Your Information

We do not sell your personal data to third parties. We may share information with:
  • Payment Processors & Financial Partners: For the secure handling of transactions.
  • Service Providers: To help operate the platform (e.g., cloud storage, analytics, communications).
  • Your Authorized Users or Partners: Based on your account permissions and integrations.
  • Regulatory and Legal Entities: If required by law or necessary to protect rights and safety.

4. Security and Data Storage

We implement multiple layers of protection to secure your information.
Sensitive Information Handling
  • We do not store any sensitive payment data, such as full credit card numbers, CVVs, or full bank account numbers, on our servers.
  • All sensitive financial information is tokenized and stored in a PCI DSS-compliant vault managed by certified third-party payment processors.
Encryption & Security Practices
  • All data is encrypted in transit and at rest using modern encryption standards.
  • We use TLS (Transport Layer Security) for all data transfers and AES encryption for stored data where applicable.
  • Access to systems is restricted through role-based permissions and multi-factor authentication (MFA).
  • We perform regular security assessments and monitor for unauthorized access or misuse.
PCI Compliance
  • PayAnyBiz and its partners comply with the Payment Card Industry Data Security Standard (PCI DSS).
  • All sensitive payment operations are conducted through secure tokenization, ensuring we never store raw payment credentials.

5. Data Retention

We retain only the information necessary to provide our Services, comply with legal obligations, and resolve disputes. Sensitive financial data is never stored by PayAnyBiz directly and remains in the control of our PCI-compliant partners.

6. Your Choices and Rights

Depending on your jurisdiction, you may have the right to:
  • Access, update, or delete personal data.
  • Object to or restrict data processing.
  • Opt out of marketing emails at any time.
  • Opt out of SMS messages by replying STOP to any message.
  • File a complaint with a regulatory authority.
  • File a complaint with a regulatory authority.
To make a data-related request, please email support@pabtek.com.

7. Cookies and Tracking

We use cookies and similar technologies to:
  • Maintain session security.
  • Remember preferences.
  • Analyze usage trends.
You can control cookie settings via your browser. Disabling cookies may limit certain features of the platform.

8. Children's Privacy

Our Services are not intended for children under 13 (or 16 where applicable). We do not knowingly collect or process data from minors. If you believe a child has provided us with personal data, please contact us and we will take appropriate action.

9. International Users

If you access our Services from outside the United States, please be aware that your information may be transferred to and processed in the U.S., where data protection laws may differ. By using the Services, you consent to this transfer.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email or prominent in-app notifications. Continued use of our Services after any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or how your data is handled, contact us at:
PayAnyBiz LLC Email: support@pabtek.com
Website: https://pabtek.com
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