Privacy Policy
Last Updated: September 29, 2026
1. Introduction
This Privacy Policy explains how FMJ Group LLC, doing business as Apptics (“Apptics,” “we,” “us,” or “our”), collects, uses, stores, and discloses personal information when you visit our websites, request a demo, create an account, communicate with us, or use our checkout, payment-related, subscription, analytics, fraud, chargeback, and ecommerce services (collectively, the “Services”).
By accessing or using the Services, you acknowledge that you have read and understood the practices described in this Privacy Policy. If you do not agree with these practices, please do not use the Services.
2. Our Role
Apptics processes personal information in two different roles:
As a controller. For website visitors, people who request demos, business contacts, and merchant account holders, Apptics decides how and why personal information is used.
As a service provider or processor. When a business uses the Services to process information about its own customers, such as orders, transactions, subscriptions, or disputes, Apptics processes that information on the business’s behalf and according to its instructions.
If you are a customer of a business that uses Apptics, please see Section 16.
3. Information We Collect
We collect the following categories of information:
Account and contact information, such as name, business name, job title, email address, telephone number, business address, username, and communication preferences.
Business and verification information, such as business registration details, licenses, tax information, ownership and management information, websites, products, expected transaction volumes, government-issued identification documents, and the results of identity, compliance, and risk checks.
Payment and financial information, such as billing and payout details, transaction amounts, payment-method type, limited card details, refunds, disputes, chargebacks, billing descriptors, and transaction results. Full card numbers are generally handled by our authorized payment partners, not stored by Apptics.
Customer and transaction information processed on behalf of merchants, such as their customers’ contact and address details, orders, products, subscriptions, purchase and delivery history, refunds, cancellations, communications, risk signals, disputes, and chargebacks.
Device and usage information, such as IP address, browser type, device type, operating system, approximate location, referring pages, pages viewed, links clicked, session and login activity, performance data, and errors.
Communications, such as messages, emails, support requests, and meeting notes. Calls and video meetings may be recorded where permitted by law and after any required notice. Recordings are used only for quality, training, support, and record-keeping purposes, and not for advertising or promotion.
Information from third parties, such as payment processors, banks, card networks, commerce platforms, identity-verification and fraud-prevention providers, integration partners, referral partners, and public sources.
4. How We Use Information
We use personal information to:
Provide, maintain, and support the Services.
Create, manage, and authenticate accounts.
Process transactions, subscriptions, refunds, and disputes.
Connect merchants with payment processors, banks, and other partners.
Verify identities and perform compliance, underwriting, and risk reviews.
Detect and prevent fraud, abuse, and security incidents.
Bill and collect fees.
Communicate with you about your account, the Services, and updates.
Send marketing communications, subject to your right to opt out.
Understand how the Services are used and improve them.
Enforce our agreements and comply with law and payment-industry requirements.
Protect Apptics, our customers, our partners, and the public.
We may also create aggregated or de-identified information that no longer identifies any individual and use it for analytics, research, benchmarking, security, and product improvement.
5. Automated Decision-Making and Fraud Prevention
Some of our fraud-prevention and risk tools use automated processing to evaluate transactions and account activity. These tools may flag, score, delay, or decline a transaction, or identify an account for further review. Merchants control how these tools are configured for their customers. If you believe an automated decision affected you unfairly, please contact the business you purchased from or contact us as described in Section 20.
6. Legal Bases for Processing (EEA and UK)
If you are located in the European Economic Area or the United Kingdom, we process your personal information as a controller only where we have a lawful basis, including:
Contract: to provide the Services and manage your account.
Legal obligation: to comply with laws, including tax, anti-money-laundering, and record-keeping requirements.
Legitimate interests: to secure and improve the Services, prevent fraud, and communicate with business contacts, where those interests are not overridden by your rights.
Consent: where we ask for it, such as for certain marketing. You may withdraw consent at any time.
7. How We Share Information
We share personal information only as described in this Privacy Policy, including with:
Service providers that help us operate our business, such as providers of hosting, data storage, customer-relationship management, communications, analytics, marketing, customer support, and payment services. They may use personal information only to perform services for us.
Payment and commerce partners, such as processors, acquiring banks, card networks, and commerce platforms, as needed to provide the Services.
The businesses that use Apptics, for information we process on their behalf.
Integrations that a merchant chooses to connect.
Professional advisers, such as lawyers, accountants, and auditors.
Parties to a business transaction, such as a merger, acquisition, financing, or sale of assets. Any acquirer will be required to handle personal information consistently with this Privacy Policy.
Authorities and others where we believe disclosure is required by law, legal process, or card-network rules, or is necessary to prevent fraud, enforce our agreements, or protect rights and safety.
Others with your consent or at your direction.
8. Testimonials
As permitted by our Terms of Service, we may identify merchants as customers and display their business name and logo on our websites and in our marketing materials. We publish testimonials, quotes, or results attributed to a merchant only with that merchant’s approval. If you would like us to remove your testimonial or business information, please contact us. Copies may remain in cached or archived pages for a period of time after removal.
9. Cookies and Similar Technologies
We and our third-party service providers may use cookies, pixels, tags, local storage, and similar technologies on our websites. These technologies help us operate the websites, keep you signed in, remember preferences, measure performance, understand how visitors use the websites, prevent fraud, and measure and improve our marketing.
Some of these technologies may be operated by analytics or advertising partners, who may collect information about your activity on our websites and other websites over time.
You can control cookies through your browser settings, including by blocking or deleting them. If you block cookies, some parts of the websites may not work properly. You can learn more about interest-based advertising and how to opt out at www.networkadvertising.org/choices and www.aboutads.info/choices.
10. Marketing Communications
You can stop receiving marketing emails at any time by using the unsubscribe link in the email or by contacting us. Account, transactional, security, support, and legal communications may continue after you opt out of marketing.
11. Sale of Personal Information
Apptics does not sell, rent, or trade personal information to third parties in exchange for money, and does not share personal information with third parties for their own marketing purposes without your consent.
Information we process on behalf of merchants, including information about their customers, is used only to provide the Services to those merchants and as described in this Privacy Policy. We do not sell that information or use it to market to a merchant’s customers.
Some privacy laws define “selling” or “sharing” broadly enough to include the use of certain analytics and advertising technologies described in Section 9. To the extent any such law applies to Apptics, you may contact us as described in Section 20 to ask about your choices.
12. Data Retention
We keep personal information only as long as reasonably necessary to provide the Services, maintain business records, meet legal, tax, regulatory, and payment-industry requirements, prevent fraud, maintain security, resolve disputes, and enforce our agreements. When information is no longer needed, we delete it, anonymize it, or securely isolate it until deletion is possible.
13. Data Security
We use reasonable administrative, technical, and physical safeguards to protect personal information. These may include access controls, encryption, monitoring, employee training, secure development practices, vendor review, and incident-response procedures. No system is completely secure, and we cannot guarantee the security of information. You are responsible for protecting your account credentials and should notify us promptly of any suspected unauthorized access.
14. International Transfers
Apptics is based in the United States, and we and our service providers may process personal information in the United States and other countries. These countries may not have the same data-protection laws as the country where you live. When we transfer personal information from the European Economic Area, the United Kingdom, or Switzerland, we use appropriate safeguards, such as Standard Contractual Clauses or other lawful transfer mechanisms.
15. Your Privacy Rights
Depending on where you live, you may have the right to:
Access the personal information we hold about you.
Correct inaccurate personal information.
Delete your personal information.
Receive a copy of your personal information in a portable format.
Restrict or object to certain processing, including direct marketing and processing based on legitimate interests.
Withdraw your consent, where processing is based on consent.
Lodge a complaint with a data-protection authority in your country.
To make a request, contact us as described in Section 20. We will respond within the time required by applicable law. We may need to verify your identity before completing a request, and we may deny or limit a request where the law permits, such as where we must keep information for fraud prevention, security, legal compliance, or record-keeping. We will not discriminate against you for exercising your privacy rights.
16. Customers of Businesses Using Apptics
If you purchased from or subscribed with a business that uses Apptics, that business controls its relationship with you and its use of your personal information. Please review that business’s privacy policy and contact it directly for questions or requests about orders, subscriptions, refunds, cancellations, accounts, or privacy. If you contact Apptics, we may refer your request to the business, and we will assist the business in responding as required by law.
17. Children’s Privacy
The Services are intended for businesses and are not directed to anyone under 18. We do not knowingly collect personal information from children for their own use of the Services. If you believe a child has provided us with personal information, please contact us and we will take steps to delete it.
18. Third-Party Websites, Integrations, and Messaging Platforms
The Services may link to or integrate with third-party websites, applications, and platforms. We may also communicate with merchants through third-party messaging and collaboration platforms. Information shared through those websites and platforms is also subject to their own privacy policies and practices, which we do not control. Please review their privacy policies before providing information.
19. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in the Services, our practices, or legal requirements. We will post the updated version with a revised “Last Updated” date and provide additional notice where required by law.
20. Contact
Questions about this Privacy Policy and privacy requests may be submitted by email to team@apptics.ai or through our contact form at https://www.apptics.ai/contact. Written requests may be mailed to:
Apptics
30 N Gould St, Ste R
Sheridan, WY 82801
