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Privacy Policy

Last updated: September 21, 2020

Backbone Payments Inc. (“us”, “we”, or “our”) operates the Backbone Payments Inc. website (the “Service”).

This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.

We will not use or share your information with anyone except as described in this Privacy Policy.

We use your Personal Information for providing and improving the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at https://www.backbonepayments.com

Information Collection And Use

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information (“Personal Information”) may include, but is not limited to:

  • Name
  • Email address
  • Telephone number
  • Address

Log Data

We collect information that your browser sends whenever you visit our Service (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.

Cookies

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive.

We use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Service Providers

We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us. If we discover that a child under 18 has provided us with Personal Information, we will delete such information from our servers immediately.

Compliance With Laws

We will disclose your Personal Information where required to do so by law or subpoena.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us.

© 2020 Backbone Payments | All rights reserved​.

Privacy Policy

Business Smart Credit Card

How it works

A portion of your daily settlement is split between your Credit Kick Start Business account and your regular bank account.  Funds deposited to the Credit Kick-Start account are posted as a credit balance and are available for immediate use.

  • Accept Payments the same as always

  • No disruption to your daily operations

  • Requires no personal guarantee

  • Card issued in your business name

  • Add a new line of credit to an existing line of credit. 

Cash Advance For Processing

How it works
  1. We determine your maximum cash advance by looking at the average amount of card sales you’ve had in the last 6 months, and the strength of your business.
  2. Once you’ve received your cash advance, we set up automatic deductions from your daily card sales. Payments are a fixed percentage of your daily processing volume. Payments rise and fall at the same rate as your processing volume.
  3. With a reasonable credit history and a good track record of card sales, you have a good chance of qualifying for this simple, easy source of working capital – even if you’ve been turned down by your bank or leasing company.

FAQ

Is this a loan?  No. This product is similar to accounts receivable factoring. Your future credit card sales is purchased for immediate cash in your account.

I have problems with my credit. Can I still get my cash? This product relies on real business performance rather than credit to evaluate applicants. This pragmatic approach allows any stable business to qualify for an advance.

Is this a one time only program?  No.  We are pleased to provide renewal transactions with our merchants.  Many merchants qualify for additional funding within 60 – 90 days. 

Social Media & Transaction Analytics

As a business owner, you understand the importance of making informed business decisions to run and grow your business. With Social Media and Transaction Analytics, your transaction data is transformed into rich, personalized insights to empower you to ease those business decisions.

This interactive, near-real-time dashboard is accessible anytime, anywhere – via online, the free mobile application or a Clover device.

With detailed business analytics at your fingertips, you can:

  • Gain customer insights based on spending patterns and segment categories such as new, repeat and local
  • Compare current sales with historical sales data
  • Understand the impact of your marketing efforts
  • Learn which days are your busiest and most profitable
  • Find out how your business is performing compared to similar businesses in your industry or neighborhood
  • Get a weekly business performance summary in your inbox with sales and customer data
  • And much more!

Better target your marketing

Access customer profiles to understand where your customers live, where they shop and how much they typically spend.

See how you stack up

View your sales figures by type and compare them to historical data and other businesses in your area.

Special Feature for Clover Merchants

As a Clover merchant, you will have access to a detailed Product Overview analytics feature – showing inventory levels and which products are selling best by customer category, revenue, and units sold. Receive breakdowns of product categories and your top selling products by new and returning customers.

Sign Up Now for a 30-Day Free Trial

Take advantage of Social Media & Transaction Insights for 30 days free!

After filling out a short registration form, you’ll have instant access to this interactive dashboard of your business performance and watch your transaction data into actionable insights!

View Insights anytime, anywhere via our web dashboard, mobile app or Clover device.