Privacy Policy & Terms of Service

1. Information We Collect

When you use the Uprails Merchant Dashboard, we collect the following types of information:

• Account Information: Name, email address, business name, and contact details provided during registration or invitation.
• Payment Configuration: API keys, webhook URLs, and payment method configurations you set up through the dashboard.
• Transaction Data: Payment records, refund details, dispute information, and payout data processed through our platform.
• Usage & Device Data: Pages visited, features used, session duration, browser type, IP address, and device identifiers.

2. How We Use Your Information

We use the collected information to:

• Provide and maintain the Uprails payment processing services.
• Process transactions and manage your payment configurations.
• Send important notifications including webhook events, transaction alerts, and account updates.
• Improve our platform, features, and user experience.
• Detect and prevent fraud, unauthorized access, and other security threats.
• Comply with legal obligations, including PCI DSS and applicable financial regulations.

3. Data Security & Sharing

We implement industry-standard security measures to protect your data. All sensitive information, including API keys and payment credentials, is encrypted both in transit (TLS/HTTPS) and at rest. We follow PCI DSS compliance standards for handling payment card data.

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

• Payment Providers: To process transactions through the payment infrastructure you configure.
• Service Providers: Third-party services that help us operate our platform, such as hosting and monitoring.
• Legal Requirements: When required by law, regulation, or legal process.

4. Your Rights & Data Retention

Depending on your jurisdiction, you may have the right to:

• Access, correct, or delete your personal information.
• Export your data in a portable format.
• Object to or restrict certain types of data processing.
• Withdraw consent where processing is based on consent.

To exercise these rights, contact us at privacy@uprails.com. Data is retained while your account is active. Transaction records are kept per financial regulations.

5. Acceptance of Terms & Services

By accessing or using the Uprails Merchant Dashboard, you agree to be bound by these Terms of Service. Uprails provides a payment orchestration platform enabling you to:

• Connect and manage multiple payment processors through a single integration.
• Process payments, refunds, and payouts.
• Create and manage payment links for collecting payments from customers.
• Configure smart routing rules to optimize payment success rates.
• Monitor transactions, disputes, and analytics through the Merchant Dashboard.
• Receive real-time event notifications via webhooks.

6. Account Responsibilities

As a user of Uprails, you agree to:

• Provide accurate and complete information when setting up your account.
• Maintain the confidentiality of your login credentials and API keys.
• Notify us immediately of any unauthorized access to your account.
• Ensure that your use of the platform complies with all applicable laws.
• Not use the services for any illegal, fraudulent, or unauthorized purposes.

7. Payment Processing & API Usage

Uprails provides a payment orchestration platform. The processing of payments is handled by the payment infrastructure you configure. You are responsible for maintaining valid agreements with your payment providers and ensuring compliance with their requirements.

Access to our API is subject to fair usage policies. We reserve the right to impose rate limits to ensure platform stability. Excessive or abusive API usage may result in restrictions.

8. Liability, Termination & Changes

To the maximum extent permitted by law, Uprails shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the services, including third-party processing failures.

Either party may terminate this agreement at any time. We reserve the right to suspend or terminate your access for terms violations or fraudulent activity. We may update these terms from time to time and will notify you of significant changes via email or through the Merchant Dashboard.