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Paze◊ Hard Copy Forms/Offline Privacy Notice for B2B California Residents

Updated: February 4, 2026

This Privacy Notice applies to the Personal Information of B2B California residents who complete hard copy forms for the Paze service (e.g., merchants, participating financial institutions, etc.) (referred to as “Form(s)” from here on out).

Pursuant to the California Consumer Privacy Act (CCPA), its implementing regulations, and as modified by the California Privacy Rights Act (CPRA), this Privacy Notice is intended to inform California residents of the Personal Information we collect, how it’s used and disclosed, and the rights you have in regard to such information.

We strive for transparency but if anything remains unclear, do not hesitate to contact us at the email address below with any questions or feedback you may have.

As a visitor to our website, our Paze.com Website Privacy Notice also applies. Click here to learn more.

By submitting a Form(s), you agree that the information you have provided is subject to this Privacy Notice. In other words, please do not submit the Form if you do not agree with this Privacy Notice.

What do you want to learn more about?

Table of Contents

When this Privacy Notice applies
What Personal Information is
Personal Information we’ve collected, used, and/or disclosed
California Merchant/Participating Financial Institution/Business Partners (B2B) residents' privacy rights
Your choices
How we protect Personal Information
Where Personal Information is stored
Changes to this Privacy Notice
How to contact us

Paze^SM Hard Copy Forms Privacy Notice for B2B California Residents

1. When this Privacy Notice applies

As a visitor to our website, our Paze.com Website Privacy Notice also applies. Click here to learn more.

This Privacy Notice does not apply to the Paze service. See the Paze Service Privacy Notice to learn more.

2. What Personal Information is

For the purpose of this Privacy Notice, “Personal Information” means information that identifies or can be used to identify you directly or indirectly. Examples of Personal Information include, but are not limited to, first and last name, your title, business email address, business telephone number, business address.

Personal Information does not include information obtained from public sources or information that is made available by federal, state, or local governments. Personal Information also does not include deidentified, anonymized, or aggregate information.

3. Personal Information we’ve collected, used, and/or disclosed

If you’ve submitted a Form(s) in the past 12 months for the Paze service, we may have collected, used, and/or disclosed the following categories of Personal Information about you for a business purpose(s):

Personal and online identifiers
- Examples:
  - Name, title, company email address
- Categories of sources from which Personal Information is collected:
  - Directly from you, or your delegate, when you submit a Form
- Business purpose(s) for collection, use, and disclosure:
  - To support the onboarding of current or prospective Merchants, Participants, or Technical Integrators and the testing of our products and services;
  - To communicate with you about our products and services and related documentation;
  - For operations;
  - For business partner inquiries (B2B), to send you information about our products and services that we believe you will find beneficial and to respond to your requests/inquiries and comply with your stated communication preferences;
  - To provide you with a safe, efficient, and customized experience;
  - To provide other services you request.
  - To prevent, detect, and protect against security incidents, fraud, and prohibited or illegal activities;
  - To undertake activities to verify or maintain the quality or safety of our services; and
  - To perform services (for us or our service providers) such as providing analytic services
- Disclosed for business purpose(s) to the following categories of third parties:
  - Our customers (Merchants, Participants, or Technical Integrators)(e.g., we may disclose information with them about their users);
  - Our service providers;
  - Law enforcement, government agencies and other authorized third parties (we may be required by law to disclose information for legal reasons); and
  - Other entities with your consent
- Sold or shared to the following categories of third parties:
  - None
- Length of time Personal Information is intended to be retained: (unless subject to a legal hold)
  - Length of Merchant, Participant, or Technical Integrator’s relationship plus 10 years
Certain identifying Personal Information
- Examples:
  - Company address, company telephone number
- Categories of sources from which Personal Information is collected:
  - Directly from you, or your delegate, when you submit a Form
- Business purpose(s) for collection, use, and disclosure:
  - To support the onboarding of current or prospective Merchants, Participants, or Technical Integrators and the testing of our products and services;
  - To communicate with you about our products and services and related documentation;
  - For operations;
  - For business partner inquiries (B2B), to send you information about our products and services that we believe you will find beneficial and to respond to your requests/inquiries and comply with your stated communication preferences;
  - To provide you with a safe, efficient, and customized experience;
  - To provide other services you request.
  - To prevent, detect, and protect against security incidents, fraud, and prohibited or illegal activities;
  - To undertake activities to verify or maintain the quality or safety of our services; and
  - To perform services (for us or our service providers) such as providing analytic services
- Disclosed for business purpose(s) to the following categories of third parties:
  - Our customers (Merchants, Participants, or Technical Integrators)(e.g., we may disclose information with them about their users);
  - Our service providers;
  - Law enforcement, government agencies and other authorized third parties (we may be required by law to disclose information for legal reasons); and
  - Other entities with your consent
- Sold or shared to the following categories of third parties:
  - None
- Length of time Personal Information is intended to be retained: (unless subject to a legal hold)
  - Length of Merchant, Participant, or Technical Integrator’s relationship plus 10 years

In the past 12 months, we have not sold, or shared Personal Information collected from Forms. For purposes of this Privacy Notice, “sale” means the disclosure of Personal Information to a third-party for monetary or other valuable consideration and “share” means the disclosure of Personal Information to a third party for cross-context behavioral advertising. This also means that we have not sold or shared information about minors.

4. California Merchant/Participating Financial Institution/Business Partners (B2B) residents' privacy rights

If you are a B2B California resident and you’ve interacted with us on behalf of your company/business (i.e., you’ve expressed interest in becoming a merchant or participating financial institution), the following data privacy rights are available to you:

Third party direct marketing: Request a list of what Personal Information (if any) we’ve shared with third parties for their own direct marketing purposes in the preceding calendar year and the names and addresses of those third parties.
- How? We do not share Personal Information with third parties for their own direct marketing purposes. Therefore, we have not shared Personal Information with third parties for direct marketing purposes within the last 12 months.
Be informed: Know the categories and specific pieces of Personal Information we collected about you, our business purposes for collecting Personal Information, the categories of sources that we’ve collected Personal Information from, the categories of third parties that we’ve disclosed Personal Information to, whether we’ve sold or shared Personal Information to a third party in the preceding 12 months, and the categories of third parties with which we’ve sold or shared Personal Information.
- How? Review this Privacy Notice in its entirety to learn more about the Personal Information we collect, why we collect Personal Information, the sources from which we collect Personal Information from, and who we may disclose Personal Information to. To submit a California Merchant/Participating Financial Institution/Business Partners (B2B) Data Privacy Rights Request, see the below for instructions.
Access: Access your Personal Information that we’ve collected about you in the preceding 12 months following your request.
- How? Review this Privacy Notice in its entirety to learn more about the Personal Information we collect, why we collect Personal Information, the sources from which we collect Personal Information from, and who we may disclose Personal Information to. To submit a California Merchant/Participating Financial Institution/Business Partners (B2B) Data Privacy Rights Request, see the below for instructions.

Note: You may request that we disclose the above information beyond the 12-month period for Personal Information collected on or after January 1, 2022, unless doing so proves impossible or would involve a disproportionate effort.

Correct inaccurate data: Request that we correct inaccurate Personal Information that we maintain about you.
- How? Review this Privacy Notice in its entirety to learn more about the Personal Information we collect, why we collect Personal Information, the sources from which we collect Personal Information from, and who we may disclose Personal Information to. To submit a California Merchant/Participating Financial Institution/Business Partners (B2B) Data Privacy Rights Request, see the below for instructions.

Note: To the extent required by, and in accordance with applicable law, we will use commercially reasonable efforts to correct your Personal Information as directed by you, considering the nature and the purposes of maintaining your Personal Information. Under certain circumstances, we may not be able to correct your information because we have a legal obligation or other reason in which we must retain it in its current state (e.g., the nature of the data, the source of the data, to comply with law).

Delete data: Request that we delete your Personal Information.
- How? Review this Privacy Notice in its entirety to learn more about the Personal Information we collect, why we collect Personal Information, the sources from which we collect Personal Information from, and who we may disclose Personal Information to. To submit a California Merchant/Participating Financial Institution/Business Partners (B2B) Data Privacy Rights Request, see the below for instructions.

Note: Under certain circumstances, we may not be able to delete your information because we have a legal obligation or other reason that we must retain it.

Limit data: Limit the use of sensitive Personal Information.
- How? Our Forms do not collect sensitive Personal Information.
Opt out: Opt out of the sale or sharing of your Personal Information.
- How? In the past 12 months, we have not sold or shared Personal Information from Forms. For purposes of this Privacy Notice, “sale” means the disclosure of Personal Information to a third-party for monetary or other valuable consideration and “share” means the disclosure of Personal Information to a third party for cross-context behavioral advertising.
Free from discrimination: Be free from discrimination for exercising your privacy rights.
- How? We will not discriminate against you for exercising your choices and rights.

Instructions for Submitting a California Merchant/Participating Financial Institution/Business Partners (B2B) Data Privacy Rights Request To submit a California Merchant/Participating Financial Institution/Business Partners (B2B) Data Privacy Rights Request, send an email to [email protected] with “California Merchant/Participating Financial Institution/Business Partners (B2B) Data Privacy Rights Request” in the subject line. In the body of the email, please include:

Your first name
Your last name
The name of your financial institution/business/company
Your business email address or business telephone number
Your California address
Your business relationship with us (merchant/financial institution/business partner)
Your request (access, correct, or delete personal information)

Please note the above-listed rights are subject to certain exceptions. For instance, we cannot disclose or permit access to specific pieces of Personal Information if the disclosure or access would present a certain level of risk to the security of the Personal Information, your account with us or the security of our systems or networks. We may decline your request if we cannot verify your identity or confirm the Personal Information that we maintain belongs to you. If we cannot honor your request, we will let you know.

Upon receipt of your “California Merchant/Participating Financial Institution/Business Partners (B2B) Data Privacy Rights Request” email, we will acknowledge receipt of your request and let you know how long we expect it will take us to complete your request (typically 45 days or less for most requests).

When you make a request, we will attempt to verify that you are who you say you are. For example, we will attempt to match information that you provide in making your request with information that we have on file. We may need to request additional information from you to verify your identity or to understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled.

You may designate an authorized agent to make a request on your behalf. Your authorized agent will be required to produce a signed authorization from you, and additional identity verification may be required. Authorized agent requests may be made by sending an email to [email protected].

5. Your choices

If you’ve previously expressed interest in our products and services for your company/business and you no longer wish to receive marketing communications from us, you can indicate your communication preference within the direct communication from us (e.g., using the unsubscribe link in the email you receive from us) or by emailing [email protected]. Please allow us a reasonable period of time to satisfy your request, as some communication may already be in process.

6. How we protect Personal Information

To help us protect your Personal Information, we maintain technical, physical, and administrative security measures to protect against loss, misuse, unauthorized access, disclosure, or alteration. Some of the safeguards we use are firewalls, data encryption, physical access controls to our data centers, and information access authorization controls.

7. Where Personal Information is stored

We are located in the United States. Our operations use a network of computers, cloud-based services, and other infrastructure and information technology that are based in the United States. Additionally, we may use third-party service providers that may process and/or store your Personal Information in the United States, the European Union, and in other countries.

8. Changes to this Privacy Notice

From time to time, we may update this Privacy Notice. You agree that we may notify you about material changes in the way we treat Personal Information by email or by placing a notice on this website.

9. How to contact us

If your questions are not answered in this Privacy Notice, you may email us at [email protected], or write to us at Early Warning Services, LLC., Attn: Privacy Office, 5801 N Pima Rd, Scottsdale, AZ 85250.

Paze Pulse^SM report offers deep dive into online shopping patterns

NEW YORK, Feb. 21, 2024 - New research from the Paze Pulse^SM Report, by Early Warning Services, LLC, revealed that over the past year, 71% of online shoppers have abandoned their online shopping carts. While an overly complicated checkout process and security concerns were among the top reasons for cart abandonment cited in the inaugural “Paze Pulse^SM Report: Consumer Online Shopping Preferences,” 72% of consumers surveyed report they highly value digital payment tools like digital wallets, to make online checkout easy.

"The road to better online checkouts is improved with features that expedite and simplify the process,” said James Anderson, managing director of Paze. “In today's challenging e-commerce landscape, the findings from our ‘Paze Pulse^SM Report: Consumer Online Shopping Preferences’ research emphasize the need for secure and convenient ways to make purchases online. This research indicates strong consumer interest in using an online checkout solution, offered by banks and credit unions, and validates our direction with Paze as we prepare for its general availability this year."

The research revealed four key trends regarding consumer preferences and use of online digital payments.

Consumers have an appetite for a financial institution-backed digital wallet:

There is a notable receptivity to bank-offered digital wallets, particularly among frequent digital wallet users. In fact, almost half of shoppers (44%) would use a digital wallet provided by their bank over guest checkout if given the option.
Further, respondents consider their banks to be more secure than third-party providers, as 82% of consumers report trusting their bank’s safety and security more than third-party payment options.
Fifty-eight percent of digital wallet users said they would switch to a bank- or credit union-offered digital payment tool if their financial institution kept their card information updated.

Digital wallet setup presents a hurdle for consumer use:

The findings suggest an opportunity exists for preloaded digital wallets, as nearly half (41%) of shoppers report they would use a digital payment tool if it was set up already, but they revert to guest checkout because it seems easier.
A similar percentage of “frequent” digital wallet users (43%) and non-digital or infrequent digital wallet users (39%) report the same.

Security and convenience are driving factors for payment choice:

Consumers prioritize security and convenience when making online purchases, influencing their choice of payment method. Sixty-seven percent of consumers list a secure checkout process as one of the top three most important factors they look for when shopping online.
While some favor the ease of digital wallets, others opt for guest checkout due to concerns about security or the perceived complexity of setup. Among users of digital wallets, 85% assume their digital wallets are safe, a slightly higher percentage than the number of consumers that perceive manually entering payment information (guest checkout) is safe (79%) and those that perceive using an app from a retailer or business is safe (75%).

Shoppers use a variety of digital payment methods:

Online shoppers use a variety of digital payment tools for their online purchases, with 91% of consumers reporting frequent use of digital payments for checkout, like keeping their card information stored with a merchant, within a web browser or using a digital wallet.
Sixty-four percent of consumers value shopping online with merchants that offer multiple ways to pay.
However, a significant number of shoppers still opt to manually input their payment information at checkout, with 75% of respondents frequently manually entering card information at online checkout, which can be a time-consuming and error-prone process.

To download the findings from the “Paze Pulse^SM Report: Consumer Online Shopping Preferences,” visit www.paze.com/pazepulsereport.

About the “Paze Pulse^SM Report: Consumer Online Shopping Preferences” Research

For the inaugural survey, Early Warning Services, LLC, the operator of Paze, worked with Murphy Research to survey a diverse group of 1,000 online shoppers in the U.S., capturing their opinions and behaviors in Q4 2023. The online survey targeted respondents aged 18 and above who make at least two online purchases per month. To ensure a comprehensive understanding, participants who exclusively shop at major online marketplaces like Amazon have been excluded.

About Paze

Paze is a reimagined online checkout solution that participating banks and credit unions offer to consumers and merchants, combining all eligible debit and credit cards into a single wallet and eliminating manual card entry. Solving long-standing challenges in e-commerce, Paze provides an easy experience consumers and merchants can trust. At general availability, more than 150 million debit and credit cards will be available to consumers for making online purchases. To learn more about Paze, visit www.paze.com. Paze is operated by Early Warning Services, LLC, an innovator in payment and risk management solutions.

Paze and the Paze marks are property of Early Warning Services, LLC.

Paze◊ Hard Copy Forms/Offline Privacy Notice for B2B California Residents