Effective Date: May 25, 2025
Last Updated: May 25, 2026
In the course of serving our customers, The Merchant Guru LLC (“The Merchant Guru,” “we,” “our,” or “us”) may collect certain nonpublic personal information relating to you and your business. We recognize that this information is sensitive and that its privacy should be protected and maintained.
This Privacy Policy explains the types of information we collect, why we collect it, the limited circumstances in which we may share it with affiliates and non-affiliated companies, and the steps we take to protect that information.
The Merchant Guru collects nonpublic personal information from you only to the extent that you choose to provide it or that it is otherwise collected in connection with your use of our website, services, or application process.
The information we collect may include:
You may provide information to us directly through this website, including information about who you are, how we can contact you, the products or services you sell, and your business volume or processing needs.
You may also provide information indirectly. For example, when you visit our website, we may collect the IP address of the computer or device you use to connect with us, as well as browsing and device information. This information helps us understand how visitors use our website and which of our services may be relevant to your business.
We may also request information necessary to help identify suitable merchant services, payment processing, gateway, fraud-prevention, financing, or related solutions for your business, and to ensure funds are directed to the proper account when applicable. We understand this information is sensitive and private, but some of it may be necessary in order for us and our service partners to evaluate or support your account.
We use the information we collect only for legitimate business purposes, including:
We may communicate with you for these purposes and for other lawful purposes, including marketing. You may opt out of receiving certain future communications from us by following the instructions in the “How to Contact Us or Opt Out of Certain Communications” section below.
In general, except as described in this Privacy Policy, we do not share information about you or your business without your consent.
Like many companies in the payments and financial services space, we may share some nonpublic personal information with non-affiliated companies when necessary for everyday business purposes. These purposes may include processing transactions, supporting accounts, fraud monitoring, legal compliance, responding to court orders or lawful investigations, and reporting to credit bureaus where permitted or required.
We may share your information as needed to help provide services requested or authorized by you, including services related to the authorization, settlement, billing, processing, clearing, transfer, reconciliation, or collection of funds involving payment cards, ACH, checks, bank accounts, or other payment methods.
The affiliates and non-affiliated third parties with whom we may share information include:
We may also share information about you or your business in connection with the sale, transfer, financing, merger, acquisition, or other transaction involving all or substantially all of our assets or business. In those situations, we will continue to emphasize the confidential nature of the information being shared.
We may be required by federal, state, and local laws, including credit reporting laws, as well as card brand and banking rules, to retain information relating to former customers. We protect the information of former customers in the same manner that we protect the information of current and prospective customers.
Our website and internal systems use industry-standard security measures designed to help protect against unauthorized access to, and the loss, misuse, or alteration of, the nonpublic personal information and merchant-related data we collect.
Information relating to current, prospective, and former customers is maintained using secure systems and access controls intended to limit access to authorized personnel who need the information to perform their job responsibilities.
While no method of transmission over the Internet or electronic storage is completely secure, we take reasonable steps to help protect your information. However, we cannot guarantee absolute security and are not responsible for breaches beyond our reasonable control.
Our website and services are not directed to, and are not intended for, anyone under the age of 18. We do not knowingly collect or maintain information through our website from children under 18.
This Privacy Policy is effective as of the date listed above. We may update or modify this Privacy Policy at any time by posting a revised version on our website. Any changes will apply only to information collected after the revised Privacy Policy is posted, unless otherwise required by law.
You may request to update or modify information about you or your business that you previously provided to us by emailing us at privacy@themerchantguru.com or by calling us at (818) 731-2227.
You may also opt out of receiving certain marketing communications from us by emailing your request to privacy@themerchantguru.com.
When you opt in to receive SMS messages from us, we may collect your mobile phone number for the purpose of sending transactional, service-related, or informational messages.
We do not share mobile opt-in data or SMS consent with third parties for their own marketing purposes. Message frequency may vary. Message and data rates may apply. For help, reply HELP. To unsubscribe, reply STOP.
Our website may use technologies provided by third-party partners to help us recognize your device and better understand how visitors use our website. These technologies may help us improve our services, tailor content to user interests, and provide advertisements about goods or services that may be relevant to you.
The information collected through these technologies may help us:
The information collected may include online identifiers, browsing activity, technical device information, and hashed identifiers derived from contact information collected through our website.
You may be able to limit the collection and use of information for interest-based advertising through browser settings or third-party opt-out tools. Some third-party technologies may use methods that are not fully controlled through standard browser cookie settings.
To opt out of certain interest-based advertising practices, you may use commonly available industry tools such as those offered by the Digital Advertising Alliance, Network Advertising Initiative, or similar organizations.
If you are a California resident and a natural person, you may have certain rights under California law, including the California Consumer Privacy Act, as amended by the California Privacy Rights Act.
Subject to applicable law, California residents may have the following rights:
California residents may submit requests relating to their personal information by:
We may take reasonable steps to verify your identity before responding to your request. Verification requirements may vary depending on the type of request and the sensitivity of the information requested.
We will respond within the time required by applicable law.
Depending on how you interact with us, we may collect the following categories of personal information:
We do not collect every category of personal information in every case, and collection depends on the nature of your interaction with us.
We may collect and use personal information for business purposes including:
We may disclose personal information to categories of third parties such as:
If applicable law gives you the right to request deletion of your personal information, you may submit such a request using the contact information above.
Upon receipt of a verifiable request, we will delete the applicable personal information from our records and direct relevant service providers to do the same, unless an exception applies.
We may deny a deletion request where retention of the information is necessary for reasons permitted by law, including to:
We may use a two-step process to confirm deletion requests where appropriate and may require identity verification before processing the request.
California law may give residents the right to opt out of certain disclosures of personal information that are considered a “sale” or “sharing” under California law.
The Merchant Guru does not sell personal information for money in the traditional sense. However, certain advertising, analytics, or website tracking practices may be considered “sharing” under California law depending on how the law is interpreted and how the technologies are configured.
California residents may submit an opt-out request by:
Authorized agents may also submit requests on behalf of consumers, subject to verification of the consumer’s identity and the agent’s authority.
We do not currently offer financial incentives to consumers in exchange for the sale, sharing, retention, or use of their personal information. If that changes, we will update this Privacy Policy as required by law.
We will not discriminate against you for exercising any privacy rights available to you under applicable law.
If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at:
The Merchant Guru LLC
3400 Cottage Way G2 32867
Sacramento, CA 95842
Email: sales@themerchantguru.com
Phone: (818) 731-2227
