Privacy Policy

This Privacy Policy describes how SMBXChange, Inc. (“SMBXChange,” “we,” “us,” or “our”), a Delaware corporation, collects, uses, discloses, and safeguards information about you when you access or use our website, mobile application, and AI-enabled service coordination platform (collectively, the “Platform”). Please read this policy carefully. By accessing or using the Platform, you agree to the practices described herein. If you do not agree, do not use the Platform.

1. Information We Collect

1.1 Information You Provide Directly

• Account registration data: name, email address, phone number, business name, service category, and profile information.
• Identity verification data for Service Providers: government-issued ID, licenses, certifications, and background check consent.
• Payment information: billing address and payment instrument details processed through our third-party payment processor. We do not store full card numbers.
• Communications: messages, reviews, ratings, and feedback submitted through the Platform.
• Support inquiries and correspondence submitted to SMBXChange.

1.2 Information Collected Automatically

• Device and usage data: IP address, browser type, operating system, referring URLs, pages visited, and session duration.
• Location data: approximate or precise geolocation, depending on your device permissions and Platform features used.
• Cookies and similar tracking technologies: session cookies, analytics identifiers, and preference tokens. See Section 7 for details.
• Log data: access timestamps, error logs, and transaction records.

1.3 Information from Third Parties

• Identity verification and background check providers.
• Payment processors and fraud detection services.
• Analytics and advertising partners.
• Social login providers, if you choose to authenticate via a third-party account.

2. How We Use Your Information

We use collected information for the following purposes:

• To operate, maintain, and improve the Platform and its AI-powered matching and coordination features.
• To verify the identity, qualifications, and standing of Service Providers during our manual approval process.
• To process payments, facilitate escrow arrangements, and remit earnings to Service Providers.
• To send transactional communications: booking confirmations, payment receipts, and service updates.
• To send promotional and marketing communications, subject to your opt-out rights.
• To enforce our Terms of Service, resolve disputes, and prevent fraud, abuse, and illegal activity.
• To comply with applicable laws, regulations, and lawful government requests.
• To conduct analytics, research, and product development.
• To personalize your experience and surface relevant service matches.

3. How We Share Your Information

3.1 With Other Users

When a Buyer requests a service, SMBXChange shares relevant Buyer information (name, service location, request details) with matched Service Providers. When a Service Provider is engaged, their profile, ratings, and contact information are made available to the Buyer. We do not sell your personal information to third parties.

3.2 With Service Providers and Vendors

We engage third-party vendors to support Platform operations, including payment processors, cloud infrastructure providers, identity verification services, analytics providers, and communication tools. These vendors access your information only as necessary to perform services on our behalf and are contractually bound to protect it.

3.3 Business Transfers

In the event of a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will provide notice if your information becomes subject to a materially different privacy policy as a result.

3.4 Legal and Safety Disclosures

We may disclose your information if required by law, subpoena, or governmental authority, or if we believe disclosure is necessary to protect the rights, property, or safety of SMBXChange, our users, or the public.

3.5 Aggregate and De-Identified Data

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

4. Data Retention

We retain your personal information for as long as your account is active, as needed to provide Platform services, or as required by law. Account data is generally retained for five (5) years following account closure for legal, dispute resolution, and regulatory compliance purposes. Payment and transaction records are retained as required by applicable financial regulations.

5. Your Rights and Choices

5.1 Access, Correction, and Deletion

You may access, update, or request deletion of your personal information by contacting us at smbxchangecorp@gmail.com. We will process requests within the timeframe required by applicable law. Note that we may retain certain information as required by law or for legitimate business purposes.

5.2 Marketing Opt-Out

You may opt out of promotional emails by clicking the unsubscribe link in any such email. You may opt out of SMS marketing by replying STOP. Opting out does not affect transactional communications related to your account or active bookings.

5.3 State-Specific Rights

Residents of California, Virginia, Colorado, Connecticut, and other states with applicable privacy laws may have additional rights, including the right to know what personal information we collect, the right to opt out of certain data sharing, and the right to non-discrimination for exercising privacy rights. To exercise these rights, contact us at smbxchangecorp@gmail.com. We will respond within the period required by your state’s law.

5.4 Do Not Track

Our Platform does not currently respond to browser-level Do Not Track signals.

6. Data Security

We implement administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, alteration, and destruction. These include encrypted data transmission (TLS), access controls, and vendor security assessments. However, no security system is impenetrable. We cannot guarantee absolute security and are not liable for unauthorized access resulting from circumstances beyond our reasonable control. In the event of a data breach affecting your rights, we will notify you as required by applicable law.

7. Cookies and Tracking Technologies

We use cookies and similar technologies for authentication, session management, analytics, and personalization. You may configure your browser to refuse cookies, but doing so may impair certain Platform features. We use analytics providers (such as Google Analytics) to understand Platform usage. These providers have their own privacy policies governing data collected on our behalf.

8. Children’s Privacy

The Platform is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have inadvertently collected information from a minor, we will delete it promptly. If you believe a minor has provided us with personal information, contact us at smbxchangecorp@gmail.com.

9. Third-Party Links and Services

The Platform may contain links to third-party websites or integrate with third-party services (e.g., payment processors, mapping services). We are not responsible for the privacy practices or content of those third parties. We encourage you to review their privacy policies before providing any personal information.

10. International Users

SMBXChange is based in the United States. If you access the Platform from outside the United States, your information will be transferred to and processed in the United States, which may have different data protection standards than your country of residence. By using the Platform, you consent to this transfer.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will post the revised policy on the Platform and update the effective date. Material changes will be communicated to registered users via email or in-Platform notification at least 14 days before taking effect. Your continued use of the Platform after any such notice constitutes your acceptance of the updated policy.

12. Contact Us

For privacy-related inquiries, requests, or complaints, contact:

SMBXChange, Inc. Attn: Privacy Email: smbxchangecorp@gmail.com Website: www.smbxchange.com