Last Updated: November 18, 2025

Legal Entity: Millcorn LLC

Trading Name: MillPay (“MillPay,” “we,” “us,” or “our”)

Millcorn LLC, trading as MillPay, is committed to protecting the privacy and security of the personal information we collect when providing payment services. This Privacy Policy explains how we collect, use, store, share, and protect information about merchants, consumers, website users, and partners.

By accessing our website, using our services, or interacting with MillPay, you consent to the practices described in this Privacy Policy.

1. Scope of This Policy

This Privacy Policy applies to:

• merchants who sign up for MillPay payment services

• end customers who make payments through MillPay

• visitors to our website and online platform

• partners, vendors, and service providers

• prospective merchants or applicants who contact us

This policy does not apply to third-party websites or services that we do not control.

2. Information We Collect

We collect information in three main ways:

(1) Information you provide, (2) Information collected automatically, and (3) Information from third parties.

2.1 Information You Provide

Merchant Information

• Full name, business name, EIN/Tax ID

• Contact information (address, email, phone number)

• Business registration details

• Financial and bank account information

• Identity verification details (SSN, DOB, driver’s license, passport)

• Transaction volume, pricing, and business model

• Login credentials

Consumer / Payer Information

When customers make payments through MillPay, we may collect:

• Name and contact details

• Payment card information (processed securely)

• Billing and shipping address

• Transaction details (amount, date, merchant, device data)

Support & Communications

• Emails, chat logs, phone call recordings (where permitted)

• Submitted documents

• Feedback and survey responses

2.2 Information Collected Automatically

We collect device and usage data when you interact with our services:

• IP address

• Browser type

• Device identifiers

• Operating system

• Referring URLs

• Log data (date/time stamps, pages viewed, actions taken)

• Cookies and tracking technologies

2.3 Information From Third Parties

We may receive information from:

• identity verification services

• credit bureaus

• fraud-prevention vendors

• issuing banks and card networks

• public records

• partners and integration platforms

3. How We Use Your Information

MillPay uses the information we collect for the following purposes:

3.1 To Provide Payment Services

• Process transactions on behalf of merchants

• Authenticate and verify merchants and customers

• Facilitate settlements and payouts

• Monitor accounts for fraud, chargebacks, and compliance

3.2 To Comply With Legal and Regulatory Obligations

• Know Your Customer (KYC) and Know Your Business (KYB) checks

• Anti-Money Laundering (AML) compliance

• OFAC and sanctions list screening

• Required reporting to banks and authorities

3.3 To Improve Our Services

• Analyze usage trends

• Develop new products and features

• Enhance security and user experience

3.4 To Communicate With You

• Send service updates and account notices

• Provide customer support

• Marketing communications (with opt-out options)

3.5 To Protect MillPay and Our Users

• Prevent fraud and unauthorized transactions

• Enforce our Terms and Conditions

• Investigate and resolve disputes

4. How We Share Information

We do not sell personal data.

We may share information with:

4.1 Service Providers

• payment processors and acquiring banks

• card networks (Visa, MasterCard, Amex, Discover)

• identity verification and KYC vendors

• fraud-prevention and security partners

• cloud hosting and IT providers

4.2 Financial Institutions

• banks involved in settlements

• issuing banks handling consumer transactions

4.3 Legal & Regulatory Authorities

We may share information when legally required:

• regulatory agencies

• law enforcement

• government requests

• court orders

4.4 Business Transfers

In the event of a merger, acquisition, or corporate restructuring, information may be transferred as part of the business assets.

5. Cookies & Tracking Technologies

MillPay uses cookies, pixels, and similar technologies to:

• authenticate users

• remember preferences

• analyze site activity

• prevent fraud

• support advertising and analytics

Users may control cookies through their browser settings.

6. Data Security

We implement administrative, technical, and physical safeguards to protect personal information, including:

• encryption of payment data

• secure network controls

• access restrictions

• regular audits and monitoring

• PCI-DSS compliance

However, no system is completely secure, and we cannot guarantee absolute protection.

7. Data Retention

We retain personal information only as long as needed for:

• providing services

• complying with legal/regulatory requirements

• resolving disputes

• preventing fraud

Financial and transaction records may be kept for 5–7 years, depending on legal requirements.

8. Your Privacy Rights

Depending on your location, you may have rights including:

• access to your data

• correction of inaccuracies

• deletion (where applicable)

• opt-out of marketing communications

• data portability

• limitation of data use

• opt-out of “selling” or “sharing” (as defined under CCPA/CPRA)

California residents can request rights under CCPA/CPRA.

We will verify identity before processing requests.

To exercise rights, contact:

📧 finance@millcorn.com

9. Children’s Privacy

MillPay does not knowingly collect information from children under 13 years old.

If we learn a child has submitted information, we will delete it promptly.

10. International Data Transfers

If data is transferred outside the United States, we ensure appropriate safeguards, including contractual protections or compliant transfer mechanisms.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

Revisions will be posted with a new “Last Updated” date.

Continued use of MillPay services indicates acceptance of any changes.

12. Contact Us

If you have questions or concerns about this Privacy Policy, contact us:

Millcorn LLC (d/b/a MillPay)

Email: finance@millcorn.com

Address: 1330 Avenue of the Americas, New York, NY, 10019, USA.