What we collect, why, and how to ask us to delete it.

When you submit the contact form, request a recovery analysis, or call our office, we collect the information you provide: typically your name, business name, email address, phone number, and any details you share about your processing setup.

When you use the Surcharge Recovery Calculator, we record the inputs you select (industry, monthly card volume, average ticket, credit-vs-debit mix, surcharge percentage, and current effective rate). These inputs are stored alongside your contact details only if you submit the lead-capture form at the end. Otherwise the inputs are discarded when you leave the page.

Like most websites, our servers automatically log basic technical metadata — IP address, browser type, referring URL, and timestamps — for security, fraud prevention, and aggregate analytics.

We use your information to respond to your inquiry, prepare a written proposal, and follow up with you about Apex Financial services. That’s the entire scope.

We do not sell, rent, or share your contact information with third parties for marketing purposes. We do not buy contact lists or scrape personal data.

If you become an Apex Financial merchant, we share information with our sponsoring acquirer, processor, and underwriter as required to set up and maintain your account. Those parties are bound by their own privacy and data-handling obligations under card brand rules.

We use a small number of strictly necessary cookies to make the site work. We may use a privacy-respecting analytics provider to understand which pages are useful and which need improvement. The provider is configured to anonymize IP addresses where feasible.

We do not use behavioral advertising cookies, third-party tracking pixels for ad networks, or cross-site profiling on this site.

You can ask us to confirm what information we hold about you, correct it, or delete it. Email privacy@apexfinancial.example with the subject line ‘Data request.’ We will reply within 30 days.

If you are a California resident, you have additional rights under the California Consumer Privacy Act. If you are in the EU or UK, you have rights under GDPR. We honor verified requests under either framework regardless of residency.

Lead-capture submissions are retained for up to 24 months from your last interaction, after which they are deleted unless you have become a customer.

Customer records are retained for the duration of the merchant relationship and for the period required by card brand rules and applicable law thereafter (typically seven years for transaction records).

We will update the ‘Effective’ date at the top of this page when we make material changes. Substantive changes will also be announced via email to active customers.