Privacy Policy

Lubao LLC ("we," "us," or "our") operates the website lubao.co (the "Site"). This Privacy Policy describes how we collect, use, and protect your personal information when you visit our Site or submit information through our forms.

Lubao LLC is an independently owned and operated business and a representative of Payroc LLC. This is Lubao LLC's privacy policy — not Payroc's. For Payroc's privacy practices, please refer to Payroc's own privacy policy on their website.

Information We Collect

We collect information that you voluntarily provide when you use our Site, including:

• Contact information: name, email address, phone number, job title or role.
• Business information: business name, business type, industry, years in business, website URL.
• Processing details: current payment processor, payment acceptance methods, estimated monthly volume, and descriptions of what you're looking for.
• Appointment scheduling data: preferred dates, times, and any notes you provide when booking an appointment.

We may also collect standard technical information automatically when you visit the Site, such as IP address, browser type, pages visited, and referring URLs, through server logs or analytics tools.

How We Use Your Information

We use the information you provide for the following purposes:

• To respond to your inquiries and schedule appointments.
• To process your sign-up request and begin the merchant onboarding process.
• To share your information with Payroc LLC as necessary to set up and service your merchant processing account.
• To communicate with you about your account, onboarding status, or support requests.
• To improve our Site and services.

How We Share Your Information

We share your personal information only in the following circumstances:

• With Payroc LLC: As a representative of Payroc, we share the business and contact information you provide with Payroc for the purpose of merchant account setup, underwriting, and ongoing account servicing.
• With service providers: We may use third-party tools to help operate our Site, manage scheduling, or process form submissions (such as Microsoft Bookings, email services, or hosting providers). These providers access your information only as needed to perform their functions.
• As required by law: We may disclose your information if required by law, regulation, legal process, or enforceable governmental request.

We do not sell your personal information to third parties. We do not share your information with unrelated third parties for their own marketing purposes.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, including to maintain your account relationship, comply with legal obligations, or resolve disputes. If you request deletion of your information, we will make reasonable efforts to comply, subject to any legal or contractual obligations to retain certain records.

Security

We take reasonable measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Cookies and Tracking

Our Site may use cookies or similar technologies for basic functionality and analytics. You can control cookie settings through your browser. Disabling cookies may affect certain features of the Site.

Third-Party Links

Our Site may contain links to third-party websites, including Payroc's website. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

Your Rights

Depending on your jurisdiction, you may have rights regarding your personal information, including the right to access, correct, delete, or restrict the processing of your data. To exercise any of these rights, please contact us using the information below.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or your personal information, please contact us:

• Email: support@lubao.co
• General inquiries: info@lubao.co