Privacy policy.

01Who is responsible

The controller of your personal information is Ownaris, LLC, a Delaware limited liability company, 131 Continental Dr, Suite 305, Newark, DE 19713, United States.

For anything about privacy, write to contact@ownaris.io.

02What we collect

When you apply. What you sell, your monthly sales volume, your average order and largest single payment, the countries you sell in, your work email address, your website and how you prefer to be contacted. If you choose WhatsApp, we also collect the phone number you give us.

When you confirm your email and sign in. The one-time codes we send you and the fact that you used them.

In your merchant portal. The documents you upload, which can include proof of identity, a bank document and company registration, along with the status of each.

When you write to us. Your message and your contact details.

Automatically. Technical data that any web server receives: IP address, browser and device type, pages requested and the time of each request. If you arrive from a campaign link, we keep the campaign tags from that link and attach them to your application.

03Why we use it, and on what basis

• To review your application and prepare an offer. This is a step taken at your request before entering into a contract.
• To verify who we are dealing with and prevent fraud. This is our legitimate interest, and in some cases a legal obligation for us or for the payment providers we work with.
• To contact you about your application. Steps at your request before a contract.
• To keep the Service secure and working. Our legitimate interest.
• To comply with the law. Legal obligation.

We do not use your information for automated decisions that produce legal effects: applications are reviewed by people.

04Who we share it with

We share personal information only where it is needed:

• Payment providers and banking partners, so that they can assess your business and decide whether to propose an offer.
• Service providers that host the Service, deliver our emails and help protect the Service against abuse. They act on our instructions.
• Authorities, where the law requires it.
• A successor, if Ownaris is reorganised or sold, under the same protections.

We do not sell your personal information, and we do not share it for advertising.

05Cookies and storage on your device

This website does not use advertising or analytics cookies.

• Merchant portal: one session cookie, strictly necessary to keep you signed in.
• Application form: your answers are saved in your browser's local storage so you do not lose them if you close the page. They are cleared once your application is submitted.
• Campaign tags are kept in session storage until you close the tab.

Fonts are loaded from Google Fonts, which means your browser sends a request, including your IP address, to Google. Where our anti-abuse check is enabled on a form, it is provided by Cloudflare Turnstile, which processes technical data to tell people from bots.

06Where your data is processed

Ownaris is based in the United States, and our service providers may process data in the United States and other countries. If you are in the European Economic Area, the United Kingdom or Switzerland, this means your data is transferred outside your country. Where required, we rely on appropriate safeguards such as the European Commission's standard contractual clauses.

07How long we keep it

We keep application information and documents for as long as your application or your relationship with us is active, and afterwards for as long as we need them to meet legal, accounting and anti-fraud obligations or to handle a dispute. When we no longer need them, we delete or anonymise them. You can ask us to delete your data sooner, as described below.

08Your rights

Depending on where you live, you have the right to:

• know what personal information we hold about you and receive a copy;
• have it corrected or deleted;
• object to, or ask us to restrict, how we use it;
• receive it in a portable format;
• withdraw consent where we rely on it.

To use any of these rights, write to contact@ownaris.io. We answer within one month, and we may need to confirm your identity first. We will not treat you differently for making a request.

If you are in the European Economic Area or the United Kingdom, you can also complain to your data protection authority. In France, that is the CNIL.

09Security

We protect your information with measures suited to its sensitivity, including encrypted connections, sign-in by one-time code and access limited to the people who review applications. No system is perfectly secure, so we cannot guarantee absolute security. If a breach affects you, we will tell you where the law requires it.

10Children

The Service is for businesses. It is not directed at anyone under 18, and we do not knowingly collect their information.

11Changes to this policy

We may update this policy. The date at the top shows the latest version, and we will tell you by email about any significant change if you have an application with us.

12Contact

contact@ownaris.io, or by post to Ownaris, LLC, 131 Continental Dr, Suite 305, Newark, DE 19713, United States.