Effective Date: September 30, 2026
Last Updated: September 30, 2026
Payn Solution LLC (“Payn Solution,” “Payn,” “we,” “us,” or “our”) provides business advisory, SBA program support, financial-services technology, commercial financial products, business financial-management tools, commercial card programs, financial-account services, and related business services to businesses and authorized business users.
This Privacy Policy explains how we collect, use, disclose, retain, and protect information in connection with our websites, applications, client portals, APIs, financial products, advisory services, and related services (collectively, the “Services”).
Our Services may include SBA loan and program advisory, business funding support, federal contracting and certification support, business financial management, commercial cards, Stripe Financial Connections, Stripe Treasury or financial-account services, payment services, and related financial technology services.
Important: Payn Solution is an independent commercial advisory and financial-services technology company. Payn Solution is not a government agency and is not affiliated with the U.S. Small Business Administration (“SBA”). Payn Solution is not itself a bank or insured depository institution. Certain financial, card, payment, account, and banking-related services are provided through third-party financial infrastructure providers, financial institutions, card networks, and other service providers.
Depending on the Services you use, we may collect the following categories of information.
We may collect:
When you request SBA-related services, funding assistance, business advisory services, or federal contracting support, we may collect information necessary to evaluate eligibility, prepare applications, provide advisory services, or communicate with you.
This may include:
Payn does not guarantee approval for any SBA program, loan, financing product, government certification, or other financial product.
For financial services and risk-sensitive features, we may collect information needed to identify and verify a business and its authorized individuals.
This may include:
We may obtain information from third-party identity verification, business verification, fraud prevention, credit reporting, sanctions-screening, and compliance providers where permitted by law.
Certain Payn Services allow you to securely connect an external business financial account using Stripe Financial Connections. When you authorize a connection, Payn may receive Financial Connections Data from the financial institution or financial account you choose to connect.
Stripe provides the Financial Connections service under its own terms, agreements, and privacy notices. Stripe’s role with respect to Financial Connections Data depends on the applicable Stripe service and the agreements that apply to that service.
Depending on the permissions you authorize and the financial institution’s capabilities, Financial Connections Data may include:
We request and access only the categories of Financial Connections Data that are reasonably necessary for the specific Payn Service and authorized purpose presented to you when you authorize the connection.
Payn may use Financial Connections Data only for the purposes disclosed to and authorized by you, including to:
We will use Financial Connections Data only for the purposes authorized through the applicable Financial Connections consent process and as otherwise permitted by applicable law. If we materially change the purpose, scope, security, sharing, or retention of Financial Connections Data in a manner requiring renewed consent, we will obtain additional authorization before implementing the change.
Payn obtains your express authorization before accessing a connected financial account through Stripe Financial Connections. When you connect an account, you will be presented with an authorization and consent experience describing the information being accessed and the purposes for which it will be used. Your authorization is limited to the purposes disclosed in the applicable consent flow. Authorization is voluntary, and you may choose whether to connect an external financial account, subject to the functionality and eligibility requirements of the applicable Payn Service.
Payn does not sell Financial Connections Data, and Payn does not use Financial Connections Data for third-party marketing.
Financial Connections Data may be disclosed to service providers only when reasonably necessary to provide or support the authorized service, and subject to applicable contractual, legal, and confidentiality requirements. Service providers that receive Financial Connections Data may not use that data independently for unrelated purposes.
You may disconnect a connected financial account at any time through the applicable product controls or by contacting Payn. Disconnecting stops future or new data sharing from that connection. Disconnecting does not automatically delete Financial Connections Data that Payn previously received.
You may request deletion of Financial Connections Data that Payn previously received by contacting us using the details in the “Contact Us” section of this Privacy Policy. We will honor deletion requests subject to applicable legal, regulatory, contractual, fraud-prevention, dispute-resolution, accounting, and other legitimate retention requirements. See also Sections 10 and 11 of this Privacy Policy for additional detail regarding retention, disconnecting accounts, and deletion requests.
Important: Connecting a financial account through Stripe Financial Connections does not, by itself, authorize Payn, Stripe, or any other party to initiate ACH debits, withdrawals, or transfers from that account. Any ACH debit or withdrawal authorization is obtained separately through a separate authorization process, presented and authorized independently of Financial Connections consent.
Payn maintains records of Financial Connections authorizations and consents as required by applicable law and contractual requirements.
Stripe Financial Connections functionality is used in connection with Payn’s commercial and business services. It is not intended as a consumer personal-finance service.
Payn may provide commercial card, spend-management, expense-management, virtual-card, or physical-card services using Stripe Issuing and/or participating financial institution partners.
These products are intended for business and commercial purposes only and are not intended for personal, family, or household use.
Information processed in connection with commercial card services may include:
We may use this information to:
Your use of a Payn commercial card may also be subject to separate cardholder, issuing-bank, card-network, and Stripe terms and agreements.
Stripe and participating financial institutions may independently process information as necessary to provide their respective services, comply with applicable requirements, prevent fraud, manage risk, and perform activities permitted under their applicable agreements and privacy notices.
Payn may offer eligible businesses access to business financial-account, treasury, funds-management, payment, transfer, or related services through Stripe Treasury and participating financial institutions.
Depending on the product and your eligibility, these services may permit a business to:
Information processed for these services may include:
Financial accounts and related services may be provided through Stripe, banking partners, payment networks, and other financial-service providers.
The applicable financial institution or infrastructure provider may have its own terms, disclosures, privacy policy, and legal obligations.
We may use information to provide, administer, secure, and improve our Services.
We may use information to:
We may use information to:
We may use information to:
We may use information to:
We may use information to:
We will obtain consent where required by applicable law before using sensitive financial information for a purpose requiring consent.
We may disclose information to the following categories of recipients when reasonably necessary to provide our Services or for the purposes described in this Privacy Policy.
We may share information with Stripe and other financial infrastructure providers when necessary to provide:
The applicable provider may process information in its capacity as a service provider, processor, independent controller, financial institution, or other role depending on the applicable service and processing activity.
We may share information with:
We may disclose information to service providers that perform services such as:
When we share Financial Connections Data with a service provider, the provider will be permitted to receive and use that data only as necessary to provide services that implement the applicable authorized purpose and subject to applicable contractual and legal requirements.
Stripe’s current Financial Connections terms require service providers receiving Connections Data to be subject to contractual obligations consistent with Stripe’s applicable requirements and to use that data only to implement the Authorized Purpose. (Stripe)
Where authorized or reasonably necessary to provide requested services, we may share information with:
We may disclose information when reasonably necessary to:
Payn Solution does not sell Financial Connections Data.
We do not share Financial Connections Data with third parties for those third parties’ independent marketing purposes.
We will not permit Financial Connections Data to be used for a purpose that is outside the applicable authorized purpose without obtaining the additional consent required by applicable law and our applicable agreements.
We may share Financial Connections Data with Stripe, financial institutions, and service providers when necessary to provide the authorized Payn Service and implement the authorized purpose.
Stripe’s current Financial Connections terms prohibit selling Connections Data and prohibit sharing it with third parties for marketing or the third party’s marketing purposes. (Stripe)
Our financial products and commercial card services are intended for legitimate business purposes.
Unless a particular product expressly provides otherwise, our commercial financial services are not intended for personal, family, or household use.
Users are responsible for providing accurate information and using Payn Services only for lawful business purposes.
We maintain administrative, technical, and physical safeguards designed to protect information against unauthorized access, disclosure, alteration, loss, or destruction.
Depending on the nature of the information and Services, safeguards may include:
We restrict access to Financial Connections Data to authorized individuals with a legitimate business need.
We require applicable service providers that receive Financial Connections Data to maintain appropriate safeguards consistent with their contractual obligations.
No security system can guarantee absolute security.
We retain information for only as long as reasonably necessary for the purposes described in this Privacy Policy, including to:
Retention periods may vary depending on the type of information, the Service involved, legal requirements, financial-record requirements, and legitimate business needs.
We do not apply a blanket five-year retention period to all user information or Financial Connections Data.
We retain Financial Connections Data only for as long as reasonably necessary to fulfill the authorized purpose, maintain the Services, satisfy legitimate business requirements, or comply with applicable law.
When Financial Connections Data is no longer necessary for the authorized purpose, applicable business operations, legitimate business purposes, or legal obligations, we will delete or securely dispose of it within a reasonable period where required and reasonably feasible.
If you connect an external financial account through Financial Connections, you may request that Payn stop accessing that connected account.
Disconnecting a financial account stops the sharing of new financial-account data through the applicable connection.
Disconnecting an account does not, by itself:
A separate deletion request may be required.
You may contact Payn to request deletion of Financial Connections Data or other personal information, subject to applicable legal, regulatory, contractual, security, fraud-prevention, accounting, and recordkeeping requirements.
We will review and process deletion requests in accordance with applicable law and our obligations to Stripe and other financial-service providers.
Where appropriate, we may also submit or facilitate a corresponding request to Stripe or another applicable provider.
Stripe’s current Financial Connections guidance specifically distinguishes disconnection from deletion and states that disconnection does not itself delete data held by Stripe. (Stripe Support)
A request to delete information does not necessarily terminate an account, financial product, card, Treasury account, or other Service. Separate cancellation or closure procedures may apply.
We may use cookies, pixels, local storage, analytics tools, security technologies, and similar technologies to:
You may have additional choices through our Cookie Settings or applicable browser and device controls.
We may send business-related communications regarding:
You may opt out of promotional communications by using the unsubscribe mechanism included in the communication or by contacting us.
Certain transactional, legal, security, or account-related communications cannot be disabled while you maintain an applicable account or Service.
Financial Connections Data will not be used for third-party marketing purposes.
Certain Payn Services may involve financial information, credit-related information, business funding, or financing.
Where a Service involves a credit report, credit decision, underwriting process, or other activity governed by applicable financial or consumer-reporting laws, the applicable disclosures and legal requirements will apply.
Payn does not use Financial Connections Data as a consumer report or to create a consumer report under the Fair Credit Reporting Act (“FCRA”) unless specifically authorized and legally permitted to do so.
Financial Connections Data will not be used as a substitute for obtaining a consumer report where a consumer report is legally required.
Stripe’s current Financial Connections terms expressly restrict use of Connections Data as a consumer report or to generate a consumer report under the FCRA absent the applicable authorization. (Stripe)
If a Service involves consumer-reporting information or a regulated credit decision, additional notices may apply.
Our Services are intended for businesses and business users and are not directed toward children under 13.
We do not knowingly collect personal information from children under 13 for the purpose of providing our Services.
Depending on your jurisdiction and applicable law, you may have rights regarding your personal information, including rights to:
Certain rights may be limited by applicable law or by legal, regulatory, fraud-prevention, security, financial-record, or contractual requirements.
Payn Solution LLC
3556 S 5600 W Ste 1 #2048
West Valley City, UT 84120
Email: info@paynsolution.com
Phone: (385) 388-1343
We may need to verify your identity and authority before completing a request involving business, financial, or account information.
If applicable law provides you with a right to opt out of the sale or sharing of personal information for targeted advertising or similar purposes, you may exercise that right through our “Do Not Sell or Share My Personal Information” mechanism or by contacting us.
As stated above, Payn does not sell Financial Connections Data, bank-account information, commercial card transaction data, or Treasury financial-account information for monetary consideration.
Our Services may contain links to or integrations with third-party services, including financial institutions, Stripe, government websites, lenders, financial-service providers, and other platforms.
Those third parties may have their own terms and privacy policies.
Payn Solution is not responsible for the privacy or security practices of independent third parties.
Your use of a third-party financial product or service may create a separate relationship directly between you and that provider.
Certain Payn financial products are enabled by Stripe and/or financial institution partners.
Depending on the Service, your use may also be subject to applicable:
If a third-party provider independently controls information or provides a regulated financial service, that provider’s privacy policy and applicable terms may also apply.
Stripe’s current Services Terms separately address Financial Connections, Issuing, and Treasury services. (Stripe)
If Payn Solution undergoes a merger, acquisition, financing, restructuring, sale of assets, bankruptcy, or similar transaction, information may be transferred as part of that transaction, subject to applicable law and contractual restrictions.
We may update this Privacy Policy from time to time to reflect changes to our Services, technology, legal requirements, financial products, or business practices.
When we make material changes, we may provide additional notice where required by law.
The “Last Updated” date at the beginning of this Policy indicates when it was most recently revised.
If a material change affects the authorized purpose, scope, security, sharing, or retention of Financial Connections Data in a manner requiring renewed consent, we will obtain additional authorization as required by applicable law and our agreements with Stripe.
Payn Solution LLC
3556 S 5600 W Ste 1 #2048
West Valley City, UT 84120
Email: info@paynsolution.com
Phone: (385) 388-1343
Payn Solution is an independent advisory and financial-services technology company. Payn Solution is not a government agency and is not affiliated with the U.S. Small Business Administration.
