Privacy Policy

Online Privacy Policy Agreement

Last updated: October 15, 2026

Bayani Consulting Group LLC, doing business as The Payment HQ ("The Payment HQ," "we," "us," or "our"), values your privacy. This website is operated by Bayani Consulting Group LLC.

This Privacy Policy explains how we collect, use, retain, and disclose personal information when you visit https://www.thepaymenthq.com/, submit an inquiry, communicate with our team, or use our online facilities and services. It also explains your choices regarding that information.

This Policy applies to information we collect through these interactions. It does not govern the practices of independent companies we do not own or control, including third-party websites and providers operating under their own policies. Review their privacy policies before providing information to them.

Specifically, this Policy explains what information we collect, why we collect it, how we use and disclose it, how long we retain it, the choices available to you, and how to contact us.

Information We Collect

Information you provide. We may collect your first and last name, business name, email address, telephone number, and information you include in contact forms, appointment requests, emails, or other communications. When you request or use a service, we may also collect the business, account, billing, or payment information needed to provide that service.

Information collected automatically. When you visit our website, technical information may be collected, including your IP address, browser type, referring pages, pages visited, and access times. Cookies and similar technologies may help operate the website, remember preferences, and understand how visitors use it.

Messaging preferences. If you opt in to text messages or other communications, we collect your contact information and the preferences and consent records associated with that choice.

You may choose not to provide personal information. Some information may be necessary to respond to an inquiry or provide a requested service. Providing a telephone number alone does not constitute consent to receive marketing text messages.

SMS Messaging and Consent

If you provide your mobile telephone number and affirmatively opt in, Bayani Consulting Group LLC d/b/a The Payment HQ may send SMS or MMS messages consistent with the consent you provide.

Customer care messages. If you opt in to non-marketing texts, you may receive responses to your inquiries, consultation scheduling and appointment reminders, account and service updates, proposal-related communications, and customer support messages.

Marketing messages. If you separately opt in to marketing texts, you may receive promotional offers and company news about our payment processing and merchant services. Marketing consent is separate from non-marketing consent.

Each consent choice is optional and is not preselected. You may submit an inquiry without agreeing to receive text messages. Consent to receive text messages is not a condition of purchase or receiving services.

Message frequency varies based on your interactions with us and the messaging program you opt into. Message and data rates may apply.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be sold or shared with third parties for their own use. Information may be disclosed to subcontractors supporting our messaging and customer service operations only as necessary to provide those services on our behalf.

Opt-Out of SMS Communications

You may opt out of text messages at any time by replying STOP to a message from us. After opting out, you may receive one final message confirming your unsubscribe request. We will stop sending further text messages unless you subsequently opt in again.

For assistance, reply HELP or contact [email protected] or 1-858-345-6900. To request information about opting in again, contact our team. Full SMS program terms are available in our Terms of Service.

Why We Collect Information and For How Long

We collect and use information to respond to inquiries, provide requested services, manage appointments and accounts, support customers, operate and improve our website, maintain communication preferences, protect against fraud or misuse, and meet legal obligations. We may also send promotional communications consistent with your preferences and applicable consent requirements.

We retain personal information for as long as reasonably necessary for these purposes. Retention depends on the nature of the information, our relationship with you, applicable recordkeeping requirements, and the need to resolve disputes or demonstrate compliance. We may retain limited consent and opt-out records to honor your communication preferences and document compliance.

Use of Information Collected

The Payment HQ uses personal information to deliver the services and information you request and manage our business relationship with you. We may use website usage information to understand visitor activity and improve site functionality.

We do not sell, rent, or lease our customer lists to third parties. Marketing text messages are sent only with separate affirmative consent.

Disclosure of Information

We may disclose personal information to service providers that help us operate our website, manage customer communications, provide technical or customer support, process payments, or deliver requested services. These providers may use information only as necessary to perform services on our behalf and must protect its confidentiality.

When you request a service involving an independent provider or partner, information may be disclosed as necessary to fulfill that request and consistent with applicable law and any required consent. That provider's own privacy policy may govern its subsequent handling of your information.

We may also disclose information where required by law or legal process, to investigate fraud or security incidents, or to protect the rights, property, or safety of The Payment HQ, our customers, or others.

These disclosures do not authorize sharing mobile information or SMS opt-in data and consent with third parties or affiliates for marketing or promotional purposes. Messaging service providers may process that information only to support our messaging program as described above.

Non-Marketing Purposes

We may contact you about requested services, account issues, security matters, or material changes to our services or policies. Opting out of marketing emails does not necessarily stop essential non-marketing emails. SMS communications remain subject to your SMS consent and opt-out preferences.

Cookies and Similar Technologies

Our website may use cookies and similar technologies to support functionality, remember preferences, and understand site usage. You can manage or disable cookies through your browser settings. Disabling cookies may affect some website features.

Children Under the Age of 13

Our website and services are not directed to children under thirteen, and we do not knowingly collect personal information from them. If you believe a child under thirteen has provided us with personal information, contact us so we can investigate and take appropriate steps to delete it.

Unsubscribe or Opt-Out

You may unsubscribe from marketing emails using the unsubscribe link in the email or by contacting [email protected]. To opt out of text messages, reply STOP. Communication choices for independent third parties must be managed directly with those providers.

Privacy Requests and Deletion

You may contact us to request access to, correction of, or deletion of your personal information. We will respond in accordance with applicable law and may need to verify your identity before completing a request.

Deletion requests may be subject to exceptions, including information needed to complete requested services, maintain security, comply with legal obligations, resolve disputes, or establish or defend legal claims. Where required, we will direct service providers to act on a verified deletion request. We may retain limited suppression records to ensure we continue to honor an opt-out.

Links to Other Websites

Our website may contain links to third-party websites or services. We are not responsible for their privacy practices. Review the privacy policy of each website or service you visit before providing information.

Notice to Users Outside the United States

The Payment HQ operates in the United States. If you access our website or services from another country, your information may be processed in the United States, where data protection laws may differ from those in your country. Any transfer subject to specific legal requirements must comply with those requirements; using this website does not waive your applicable privacy rights.

Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, use, or disclosure. No method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security. Please do not send sensitive financial information through general website inquiry forms or ordinary email; contact our team for the appropriate submission method.

Changes to This Policy

We may update this Policy as our services or practices change. Updates will be posted on this page with a revised “Last updated” date. Where required by law, we will provide additional notice or obtain consent before using previously collected information for a materially different purpose.

Acknowledgment of This Policy

This Policy explains our information practices. Visiting our website does not itself constitute consent to marketing texts or waive any rights you may have under applicable law. Where consent is required, we will request it separately.

How to Contact Us

For questions about this Policy, your information, or your communication preferences, contact:

Bayani Consulting Group LLC d/b/a The Payment HQ

17051 Goodeve Drive, Poway, CA 92064, United States

Email: [email protected]

Phone: 1-858-345-6900