Privacy Policy
Effective Date: May 15, 2026 | Last Updated: May 15, 2026
Plain-Language Summary
At Gray Merchants, we collect your business and contact information to help place your merchant account with the right bank. We automatically collect IP addresses and geolocation for fraud prevention and lead validation. We only send marketing SMS with your explicit consent, and you can opt out of any communication at any time. We do not sell your data to third parties.
1. INTRODUCTION
MidCore Operations LLC, doing business as Gray Merchants ("Gray Merchants," "we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy describes how we collect, use, and disclose information when you visit graymerchants.com (the "Website") or submit any form on our Website. By using our site or submitting information, you agree to the collection and use of information in accordance with this policy.
2. INFORMATION WE COLLECT
2.1 Information You Provide Directly
- Full legal name and business name
- Email addresses (business and personal)
- Phone numbers (mobile and business)
- Business physical address and website URL
- Processing volume data and chargeback history
2.2 Information Collected Automatically
We automatically collect certain information when you visit our Website for legitimate business purposes including fraud prevention and lead validation:
- IP Address: Collected automatically on all form submissions and page visits.
- Approximate Geolocation: Derived from IP address (city and state level).
- Browser/Device Data: Browser type, version, device type, and operating system.
- Usage Data: Pages visited, time spent, and referring URL.
2.3 Cookies and Tracking
We use session and analytics cookies to improve user experience. You can opt out via browser settings or at optout.aboutads.info.
3. HOW WE USE YOUR INFORMATION
We use the data collected for the following purposes:
- To process merchant account applications and match with banks.
- To respond to inquiries and provide consulting services.
- To send transactional and marketing communications.
- To validate lead legitimacy and prevent fraud using IP/Geolocation data.
- To comply with legal obligations and enforce our Terms.
4. SMS MARKETING COMPLIANCE (TCPA DISCLOSURE)
4.1 Consent: We only send marketing SMS to users who have provided express written consent via an unchecked checkbox on our forms.
4.2 Opt-Out: Reply STOP to any SMS message to unsubscribe immediately. Reply HELP for assistance.
4.3 Rates: Message and data rates may apply. Consent is not a condition of purchase.
4.4 Transferability: Your SMS consent is specific to Gray Merchants and is not shared or sold to third parties.
6. YOUR RIGHTS UNDER CALIFORNIA LAW (CCPA)
California residents have the right to know, delete, and opt-out of the sale of personal information. Submit requests to hello@graymerchants.com with the subject line "Privacy Rights Request."
7. DATA RETENTION
- Application Data: 5 years (financial record-keeping).
- SMS Consent Records: 4 years (TCPA statute of limitations).
- IP Logs: 12 months then anonymized.
8. CONTACT US
MidCore Operations LLC
DBA Gray Merchants
Email: hello@graymerchants.com
Subject line: "Privacy Inquiry"