QuickPay Privacy Policy
Effective October 13, 2026
This Privacy Policy explains how Royal Payment Solutions, LLC ("QuickPay", "we") handles personal information when you visit https://quick.getroyalpay.com or use the QuickPay app. Document version 2026-10-13. The Bank that issues your account and cards also gives you its own privacy notice under the Gramm-Leach-Bliley Act, which applies to the information it holds.
1. Information we collect
| Category | Examples | Source |
|---|---|---|
| Identifiers | Name, email, phone number, home address | You |
| Identity verification data | Date of birth, Social Security number, identity documents if requested | You. These are sent over an encrypted connection to our card platform for verification. QuickPay does not store your Social Security number or copies of documents. |
| Account and card data | Account status, card names, last four digits of cards, spending limits | You, our card platform |
| Bank account data | The last four digits and type of a bank account you link. The full number goes to our card platform and is not stored by QuickPay. | You |
| Transaction data | Purchases, top-ups, transfers between members, amounts and dates | Our card platform and the Bank |
| Consent records | The documents you accepted, their versions, the time and your IP address | Our systems |
| Technical data | IP address, browser type, sign-in times, security events | Our systems |
| Support data | Messages you send us | You |
2. Why we use it
- To open and run your account and cards, and to process the payments you ask for.
- To verify your identity and meet anti-money laundering, sanctions and record-keeping obligations under the Bank Secrecy Act and its regulations.
- To prevent fraud, secure the Service and investigate misuse.
- To answer support requests and resolve errors and disputes.
- To send you service notices. We send marketing only with your permission.
3. Who receives it
- The Bank, as the issuer of your account and cards.
- Lithic, Inc., our card platform, and the identity verification and fraud prevention services it uses.
- Service providers that host our systems or send our emails, under contracts that limit their use of the data.
- Card networks and other banks, as needed to complete your transactions.
- Government agencies, regulators and courts, when the law requires it.
- A buyer or successor if our business is sold or merged, under this Policy.
We do not sell personal information and we do not share it for cross-context behavioral advertising.
4. Cookies
We use one strictly necessary session cookie to keep you signed in and to protect forms against forgery. We do not use advertising or analytics cookies. Card details are shown inside a frame served by our card platform, which may set its own strictly necessary cookies.
5. How long we keep it
We keep account, verification and transaction records for at least five years after your account is closed, as federal record-keeping rules require (31 CFR 1010.430), and longer if a law or a legal hold requires it. Security logs are kept for up to two years. After that we delete or anonymize the data.
6. Security
We encrypt data in transit with TLS and protect stored secrets with encryption. Access is limited to staff who need it, and staff access requires two-factor authentication. No system is perfectly secure. If a breach affects your personal information, we will notify you as the law requires.
7. Your choices and rights
You can update your contact details in the app or by contacting support. Depending on the state you live in, you may have the right to know what personal information we hold, to get a copy, to correct it, and to ask us to delete it. Information covered by the Gramm-Leach-Bliley Act and records we must keep by law may be exempt from deletion. To make a request, open a privacy request in the app or email info@getroyalpay.com. We verify your identity before acting and respond within the time the applicable law sets, usually 45 days. We will not treat you differently for using these rights. You may use an authorized agent where your state law allows it.
8. Children
The Service is not intended for anyone under 18 and we do not knowingly collect information from children under 13.
9. Where data is processed
We and our providers process data in the United States. Some service providers may process limited data in other countries under contracts that require equivalent protection.
10. Changes
We will post any change on this page with a new effective date and notify you by email if the change is material.
11. Contact
Privacy questions: info@getroyalpay.com, or by mail to the address below.
Royal Payment Solutions, LLC, 3044 Breckenridge Ln Ste 102, Louisville, KY 40220. Email: support@getroyalpay.com.
QuickPay is not a bank. Banking services and cards are provided by [ISSUING_BANK], Member FDIC, pursuant to a license from [CARD_NETWORK].