P&F Solutions Privacy Notice

Effective Date: January 2026

Last Updated: January 10, 2026

At P&F Solutions (“we”, “our”, “us”, or “Company”), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Notice explains how we collect, use, disclose, and safeguard your information when you visit our website pafsolutions.com, use our services, or interact with us in any capacity.

Please read this Privacy Notice carefully. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Notice. If you do not agree with our practices, please do not use our services.

1. Information We Collect

We collect information that you provide directly to us, information we obtain automatically when you use our services, and information from third-party sources.

1.1 Information You Provide to Us

Account Information: When you create an account, we collect your name, email address, username, password, and other registration details.
Contact Information: Name, email address, phone number, mailing address, and company name when you contact us or request information.
Payment Information: Billing address, payment card details, and transaction information when you purchase our services. Payment processing is handled by third-party payment processors.
Profile Information: Professional information, job title, company details, preferences, and other information you choose to provide.
Communications: Information contained in messages you send us, including customer support inquiries, feedback, and survey responses.
User Content: Any content, files, documents, or data you upload, store, or transmit through our services.

1.2 Information Collected Automatically

Device Information: IP address, browser type and version, operating system, device identifiers, and hardware information.
Usage Information: Pages visited, features used, time spent on pages, links clicked, search queries, and navigation patterns.
Location Data: General geographic location based on IP address and, with your permission, precise location data from your device.
Cookies and Tracking Technologies: We use cookies, web beacons, pixels, and similar technologies to collect information about your browsing activities. See Section 8 for more details.
Log Data: Server logs, error reports, and diagnostic information.

1.3 Information from Third-Party Sources

Social media platforms when you connect your account or interact with our social media presence.
Business partners, service providers, and data aggregators who provide us with supplemental information.
Publicly available sources such as business directories and professional networking sites.
Marketing and analytics providers who help us understand our audience and improve our services.

2. How We Use Your Information

We use the information we collect for the following purposes:

2.1 Providing and Improving Our Services

Creating and managing your account.
Delivering the services you request and processing transactions.
Providing customer support and responding to your inquiries.
Personalizing your experience and customizing content.
Analyzing usage patterns to improve functionality, features, and user experience.
Developing new products, services, and features.

2.2 Communication

Sending service-related announcements, updates, and security alerts.
Responding to your comments, questions, and requests.
Sending marketing communications, newsletters, and promotional offers (with your consent where required).
Conducting surveys and requesting feedback.

2.3 Security and Fraud Prevention

Detecting, preventing, and addressing fraud, security breaches, and illegal activities.
Protecting the rights, property, and safety of P&F Solutions, our users, and the public.
Verifying user identity and maintaining account security.
Monitoring and analyzing security threats and vulnerabilities.

2.4 Legal Compliance

Complying with legal obligations, court orders, and regulatory requirements.
Enforcing our Terms of Use and other policies.
Resolving disputes and investigating complaints.

2.5 Analytics and Research

Conducting market research and business analytics.
Understanding user demographics and preferences.
Measuring the effectiveness of our marketing campaigns.
Generating aggregated, de-identified statistics for business purposes.

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

3.1 Service Providers

We share information with third-party service providers who perform services on our behalf, including:

Cloud hosting and storage providers.
Payment processors and financial institutions.
Customer support and communication platforms.
Marketing and analytics services.
Security and fraud prevention services.

These service providers are contractually obligated to use your information only for the purposes we specify and to maintain appropriate security measures.

3.2 Business Transfers

If P&F Solutions is involved in a merger, acquisition, sale of assets, bankruptcy, or reorganization, your information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have.

3.3 Legal Requirements

We may disclose your information when required by law or in response to:

Subpoenas, court orders, or other legal processes.
Requests from government agencies or law enforcement.
Legal claims or investigations.
Situations involving potential threats to safety or security.

3.4 With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

3.5 Aggregated and De-identified Information

We may share aggregated, de-identified, or anonymized information that cannot reasonably be used to identify you for research, marketing, or other business purposes.

4. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

4.1 General Rights

Access: Request access to the personal information we hold about you.
Correction: Request correction of inaccurate or incomplete information.
Deletion: Request deletion of your personal information, subject to certain exceptions.
Data Portability: Request a copy of your information in a structured, machine-readable format.
Objection: Object to processing of your information for certain purposes.
Restriction: Request restriction of processing in certain circumstances.
Withdraw Consent: Withdraw previously given consent at any time.

4.2 Marketing Communications

You can opt out of receiving marketing communications by:

Clicking the “unsubscribe” link in our marketing emails.
Adjusting your account preferences.
Contacting us at privacy@pafsolutions.com.

Note that even if you opt out of marketing communications, we will still send you service-related messages.

4.3 Exercising Your Rights

To exercise any of these rights, please contact us at privacy@pafsolutions.com. We will respond to your request within the timeframe required by applicable law, typically within 30 days. We may need to verify your identity before processing your request.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

Encryption of data in transit and at rest using industry-standard protocols (TLS/SSL).
Regular security assessments and penetration testing.
Access controls and authentication mechanisms.
Employee training on data protection and security practices.
Incident response and breach notification procedures.
Regular backups and disaster recovery planning.
Third-party security audits and compliance certifications.

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Notice, unless a longer retention period is required or permitted by law. The retention period depends on:

The nature of the information and the purposes for which it was collected.
Legal, regulatory, tax, accounting, or reporting requirements.
The duration of our relationship with you.
Whether there is an ongoing business need for the information.
Legal claims or disputes that may arise.

When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention policy and applicable laws.

7. International Data Transfers

P&F Solutions is based in the United States. If you are accessing our services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States or other countries where our service providers operate.

When we transfer personal information internationally, we implement appropriate safeguards, including:

Standard contractual clauses approved by the European Commission.
Adequacy decisions recognizing comparable data protection standards.
Other legally approved transfer mechanisms.

By using our services, you consent to the transfer of your information to countries that may have different data protection laws than your country of residence.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities and enhance your experience.

Types of Cookies We Use:

Essential Cookies: Necessary for the website to function properly and cannot be disabled.
Performance Cookies: Help us understand how visitors interact with our website by collecting anonymous analytics data.
Functional Cookies: Remember your preferences and personalize your experience.
Targeting/Advertising Cookies: Track your browsing habits to show you relevant advertisements.

Managing Cookies:

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or delete existing cookies. However, disabling certain cookies may affect the functionality of our website. You can also opt out of interest-based advertising through industry opt-out platforms.

9. Third-Party Links and Services

Our website and services may contain links to third-party websites, applications, or services that are not operated by us. This Privacy Notice does not apply to third-party sites or services. We are not responsible for the privacy practices of third parties and encourage you to review their privacy policies before providing any information to them.

10. Children’s Privacy

Our services are not directed to children under the age of 16, and we do not knowingly collect personal information from children under 16. If we become aware that we have collected personal information from a child under 16 without parental consent, we will take steps to delete that information as soon as possible.

If you are a parent or guardian and believe that your child has provided us with personal information, please contact us at privacy@pafsolutions.com.

11. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

Right to Know: Request information about the categories and specific pieces of personal information we have collected, the sources, purposes, and third parties with whom we share it.
Right to Delete: Request deletion of your personal information, subject to certain exceptions.
Right to Opt-Out: Opt out of the sale of your personal information. Note: We do not sell personal information.
Right to Non-Discrimination: Exercise your privacy rights without receiving discriminatory treatment.

To exercise these rights, contact us at privacy@pafsolutions.com or call 1-201-633-2201.

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