Privacy Policy

Effective Date: June 30, 2026

1. Introduction

United Processing Solutions LLC ("Company," "we," "us," or "our") operates RatesNegotiator. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit card processing fee negotiation services.

We are committed to protecting your privacy and ensuring the security of your business information. Please read this policy carefully to understand our practices regarding your data.

2. Information We Collect

We collect the following types of information to provide our Services:

Business Information

  • Legal business name and DBA (doing business as) names
  • Business address and location(s)
  • Business type and industry classification
  • Tax identification numbers (for verification purposes only)
  • Years in business and ownership structure

Contact Information

  • Name and title of authorized representatives
  • Email addresses
  • Phone numbers
  • Mailing addresses

Merchant Processing Statements

  • Current processing rates and fee structures
  • Transaction volumes and processing history
  • Processor and merchant account information
  • Equipment and gateway details

Website Usage Data

  • IP addresses and device information
  • Browser type and version
  • Pages visited and time spent on our website
  • Referring URLs and search terms

3. How We Use Your Information

We use the collected information for the following purposes:

  • Statement Analysis: To review your current processing costs and identify savings opportunities.
  • Fee Negotiation: To communicate with your processor on your behalf and negotiate better rates.
  • Service Communication: To contact you about your account, provide updates on negotiations, and deliver results.
  • Account Management: To maintain your account and provide our services.
  • Service Improvement: To analyze trends and improve our negotiation strategies and service offerings.
  • Legal Compliance: To comply with applicable laws, regulations, and legal processes.
  • Marketing and Promotions: To send you information about additional products, services, and promotional offers from United Processing Solutions LLC and its affiliates that may be relevant to your business.

4. Data Security Measures

We implement robust security measures to protect your information:

  • Encryption: All data transmissions are encrypted using industry-standard TLS/SSL protocols. Stored data is encrypted at rest using AES-256 encryption.
  • Access Controls: Access to your information is restricted to authorized personnel who need it to perform their job functions.
  • Secure Storage: Your merchant statements and business data are stored on secure, access-controlled servers.
  • Regular Audits: We conduct regular security assessments and vulnerability testing.
  • Employee Training: All employees receive training on data protection and privacy practices.
  • Mobile and SMS Data Protection: We maintain internal access controls and security policies specifically designed to prevent the unauthorized access, use, or sharing of mobile information, phone numbers, and SMS consent data.

5. Third-Party Sharing

We limit the sharing of your information to what is necessary to provide our Services:

  • Payment Processors: We communicate with your current processor solely for the purpose of negotiating rates on your behalf. We only share information necessary for this purpose.
  • Service Providers: We may use trusted third-party vendors for secure document storage, email communications, and other operational functions. These providers are contractually bound to protect your information.
  • Legal Requirements: We may disclose information if required by law, court order, or government regulation.

We do not sell, rent, or trade your personal or business information to unaffiliated third parties. We may use your contact information to inform you of additional products, services, and promotions offered by United Processing Solutions LLC and its affiliated brands. You may opt out of such communications at any time.

Mobile and SMS Data — No Sharing: Mobile information, phone numbers, and SMS/text messaging consent data are never shared with third parties or affiliates for marketing or promotional purposes. Consumer SMS registration data (including any phone number collected for text messaging) will not be transferred, sold, shared, rented, or otherwise disclosed to any external organization for any purpose — including with your consent — except when required by law. The limited information sharing described above with payment processors and service providers expressly excludes all SMS consent data and consumer phone number data. This SMS data sharing restriction applies regardless of any other sharing language in this Privacy Policy.

6. Marketing Communications

By providing your contact information through our website, uploading a statement, or completing a purchase, you consent to receive marketing communications from United Processing Solutions LLC.

These communications may include:

  • New product announcements
  • Special offers and promotions
  • Industry insights and educational content
  • Service updates

You can opt out of marketing communications at any time by:

Opting out of marketing does not affect transactional emails related to your active services.

7. SMS / Text Messaging Communications

If you provide your mobile phone number and opt in, you agree to receive SMS (text) messages from United Processing Solutions LLC. This section explains how our text messaging program works and how you can manage it.

Types of Messages. By opting in, you agree to receive SMS messages from United Processing Solutions LLC, including promotional offers, service updates, and account-related notifications.

Message Frequency. Message frequency varies.

Message and Data Rates. Message and data rates may apply. Standard message and data rates charged by your mobile carrier apply to each message sent or received. Please check with your carrier for details about your plan.

How to Opt Out. You may opt out of SMS marketing at any time by replying STOP or UNSUBSCRIBE to any text message. After you opt out, we will send a single confirmation message and will not send you any further SMS messages unless you opt in again.

How to Get Help. Reply HELP for assistance at any time, or contact us at admin@ratesnegotiator.com.

How to Contact Us About These Messages

If you have any questions about our text messages or need support, you can contact us using the information below:

How We Protect Your Mobile and SMS Data. We treat your mobile information, phone number, and SMS consent data as confidential. This data will not be shared with third parties or affiliates for marketing or promotional purposes. Consumer SMS registration data will not be transferred, sold, shared, or disclosed to any external organization for any purpose, including with your consent, except when required by law. We maintain internal access controls and security policies to prevent the unauthorized access, use, or sharing of mobile and SMS data.

8. Data Retention

We retain your information for as long as necessary to provide our Services and fulfill the purposes described in this policy. Specifically:

  • Active account data is retained while you are using our Services.
  • After service termination, we retain records for up to seven (7) years for legal, tax, and audit purposes.
  • You may request deletion of your data subject to our legal retention obligations.

9. Your Rights

You have the following rights regarding your personal information:

  • Access: Request a copy of the personal information we hold about you.
  • Correction: Request correction of inaccurate or incomplete information.
  • Deletion: Request deletion of your personal information, subject to legal retention requirements.
  • Portability: Request your data in a commonly used, machine-readable format.
  • Opt-Out: Opt out of marketing communications at any time.

To exercise these rights, contact us at admin@ratesnegotiator.com.

10. California Privacy Rights (CCPA)

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

  • Right to Know: You may request information about the categories and specific pieces of personal information we have collected about you.
  • Right to Delete: You may request deletion of your personal information, subject to certain exceptions.
  • Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.
  • Do Not Sell: We do not sell personal information. If this changes, we will provide a "Do Not Sell My Personal Information" link.

To submit a CCPA request, email us at admin@ratesnegotiator.com with the subject line "CCPA Request."

11. GDPR Compliance (European Users)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

  • Legal Basis: We process your data based on contractual necessity (to provide our Services), legitimate interests (to improve our Services), and consent (where applicable).
  • Data Subject Rights: You have the right to access, rectify, erase, restrict processing, object to processing, and data portability.
  • International Transfers: If we transfer your data outside the EEA, we ensure appropriate safeguards are in place.
  • Complaints: You have the right to lodge a complaint with your local supervisory authority.

12. Cookies and Tracking

Our website uses cookies and similar tracking technologies. For detailed information about our use of cookies, please see our Cookie Policy.

13. Children's Privacy

Our Services are intended for businesses and are not directed at individuals under the age of 18. We do not knowingly collect personal information from children.

14. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email or through a prominent notice on our website. Your continued use of our Services after changes are posted constitutes acceptance of the updated policy.

15. Contact Us

For questions or concerns about this Privacy Policy or our data practices, please contact us:

United Processing Solutions LLC
Email: admin@ratesnegotiator.com
Phone: 516-509-2513
Mailing Address: 2980 NE 207th Street, Suite 334, Aventura, FL 33180

Last Updated: June 30, 2026