Bill Pay Virtuoso – Privacy Policy

Privacy Policy — Vast Horizons Consulting, LLC

Effective date: December 22, 2025

  1. Introduction

Vast Horizons Consulting, LLC (“Company”, “we”, “us”) values your privacy. This Privacy Policy explains what personal and non‑personal information we collect, how we use and share it, your choices, and our data security and retention practices in connection with our subscription services, website, and related offerings (“Services”). By using our Services, you agree to the collection and use described herein.

  1. Information We Collect

– Account and Contact Information: name, company name, email address, phone number, billing address, and billing/payment method details (processed by third‑party payment processors). 

– Account Credentials: usernames, passwords, and authentication data. 

– Usage and Telemetry Data: service usage metrics, feature interactions, performance and error logs, IP addresses, device and browser information, and analytics data. 

– Transaction and Billing Data: invoices, payment confirmations, billing history, and subscription status. 

– Communications: support requests, feedback, and correspondence with us. 

– Other Data: any information you choose to provide (e.g., uploaded files, project requirements, etc). 

– Aggregated/De‑identified Data: we may aggregate or de‑identify data for analytics and product improvement.

  1. How We Use Information

We use information to: 

– Provide, operate, and maintain the Services; 

– Process payments, manage subscriptions, and bill customers; 

– Communicate about account activity, updates, security alerts, and support; 

– Improve and personalize the Services, perform analytics, and develop new features; 

– Detect, prevent, and respond to fraud, abuse, security incidents, and illegal activity; 

– Comply with legal obligations and enforce our Terms.

  1. Legal Bases for Processing (for EEA/UK users)

As of the Effective date of this notice the Company provides subscription services for only the US banking institutions and does not process international payments.

  1. Sharing and Disclosure

We do not sell customer data. We may share information with: 

– Service Providers: payment processors, hosting and cloud providers, analytics vendors, CRM and support providers, and other vendors who perform services on our behalf; 

– Professional Advisors: lawyers, accountants, and auditors as necessary; 

– Affiliates and Acquirers: in connection with corporate transactions (merger, acquisition, sale of assets); 

– Legal and Safety: when required by law, court order, or to respond to lawful requests; to protect rights, property, or safety of users or the public; and to enforce our Terms; 

– With Your Consent: any other disclosures you expressly authorize.

  1. Cookies and Tracking Technologies

We and our service providers use cookies, web beacons, and similar technologies to collect usage data and improve the user experience. You can manage cookie preferences through your browser settings; disabling cookies may affect functionality.

  1. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal data from unauthorized access, disclosure, alteration, and destruction. These measures include access controls, encryption in transit, secure development practices, and periodic security assessments. However, no system is perfect and we cannot guarantee absolute security.

  1. Data Retention and Deletion

We retain personal data as needed to provide Services, comply with legal obligations, resolve disputes, and enforce agreements. When data is no longer necessary, we securely delete or anonymize it. Account deletion or termination requests will be handled per our retention and export policies; exported data requests may incur reasonable administrative fees.

  1. Your Rights and Choices

Depending on your jurisdiction, you may have rights including: 

– Access: request a copy of personal data we hold about you; 

– Correction: request correction of inaccurate or incomplete data; 

– Deletion: request deletion of personal data, subject to legal exceptions; 

– Restriction or Objection: request restriction of processing or object to certain processing based on legitimate interests; 

– Portability: request a machine‑readable copy of your data; 

– Consent Withdrawal: withdraw consent where processing is based on consent. 

To exercise rights, contact us at the contact information below. We may require verification and will respond within applicable legal timeframes. Certain rights may be limited by contractual or legal obligations.

  1. International Transfers

We may transfer, store, and process personal data in the United States and other countries. Where required, we implement appropriate safeguards (standard contractual clauses or other mechanisms) to ensure adequate protection.

  1. Children’s Privacy

Our Services are not directed to children under 16. We do not knowingly collect personal data from children. If we become aware we have collected data from a child in violation of this policy, we will take steps to delete it.

  1. Third‑Party Links and Integrations

Our Services may contain links to third‑party sites or integrate with third‑party tools. This Privacy Policy does not apply to those third parties. We encourage you to review their privacy notices.

  1. Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes in practices or legal requirements. Material changes will be posted with an updated “Effective date” and, where required, notified to you. Continued use after changes constitutes acceptance.

  1. Contact Us

For questions, requests to exercise rights, data export or deletion requests, or privacy concerns, contact: 

Phone: [Insert phone number]

  1. Additional Notices (California and Other Jurisdictions)

If you are a resident of California or another jurisdiction with specific privacy laws, you may have additional rights. Please contact us at the address above for details on how to exercise those rights and a description of categories of personal information we collect, disclose, and sell (if any). We do not sell personal information as defined under applicable law.

Privacy Policy — Vast Horizons Consulting, LLC

Effective date: December 22, 2025

  1. Introduction

Vast Horizons Consulting, LLC (“Company”, “we”, “us”) values your privacy. This Privacy Policy explains what personal and non‑personal information we collect, how we use and share it, your choices, and our data security and retention practices in connection with our subscription services, website, and related offerings (“Services”). By using our Services, you agree to the collection and use described herein.

  1. Information We Collect

– Account and Contact Information: name, company name, email address, phone number, billing address, and billing/payment method details (processed by third‑party payment processors). 

– Account Credentials: usernames, passwords, and authentication data. 

– Usage and Telemetry Data: service usage metrics, feature interactions, performance and error logs, IP addresses, device and browser information, and analytics data. 

– Transaction and Billing Data: invoices, payment confirmations, billing history, and subscription status. 

– Communications: support requests, feedback, and correspondence with us. 

– Other Data: any information you choose to provide (e.g., uploaded files, project requirements, etc). 

– Aggregated/De‑identified Data: we may aggregate or de‑identify data for analytics and product improvement.

  1. How We Use Information

We use information to: 

– Provide, operate, and maintain the Services; 

– Process payments, manage subscriptions, and bill customers; 

– Communicate about account activity, updates, security alerts, and support; 

– Improve and personalize the Services, perform analytics, and develop new features; 

– Detect, prevent, and respond to fraud, abuse, security incidents, and illegal activity; 

– Comply with legal obligations and enforce our Terms.

  1. Legal Bases for Processing (for EEA/UK users)

As of the Effective date of this notice the Company provides subscription services for only the US banking institutions and does not process international payments.

  1. Sharing and Disclosure

We do not sell customer data. We may share information with: 

– Service Providers: payment processors, hosting and cloud providers, analytics vendors, CRM and support providers, and other vendors who perform services on our behalf; 

– Professional Advisors: lawyers, accountants, and auditors as necessary; 

– Affiliates and Acquirers: in connection with corporate transactions (merger, acquisition, sale of assets); 

– Legal and Safety: when required by law, court order, or to respond to lawful requests; to protect rights, property, or safety of users or the public; and to enforce our Terms; 

– With Your Consent: any other disclosures you expressly authorize.

  1. Cookies and Tracking Technologies

We and our service providers use cookies, web beacons, and similar technologies to collect usage data and improve the user experience. You can manage cookie preferences through your browser settings; disabling cookies may affect functionality.

  1. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal data from unauthorized access, disclosure, alteration, and destruction. These measures include access controls, encryption in transit, secure development practices, and periodic security assessments. However, no system is perfect and we cannot guarantee absolute security.

  1. Data Retention and Deletion

We retain personal data as needed to provide Services, comply with legal obligations, resolve disputes, and enforce agreements. When data is no longer necessary, we securely delete or anonymize it. Account deletion or termination requests will be handled per our retention and export policies; exported data requests may incur reasonable administrative fees.

  1. Your Rights and Choices

Depending on your jurisdiction, you may have rights including: 

– Access: request a copy of personal data we hold about you; 

– Correction: request correction of inaccurate or incomplete data; 

– Deletion: request deletion of personal data, subject to legal exceptions; 

– Restriction or Objection: request restriction of processing or object to certain processing based on legitimate interests; 

– Portability: request a machine‑readable copy of your data; 

– Consent Withdrawal: withdraw consent where processing is based on consent. 

To exercise rights, contact us at the contact information below. We may require verification and will respond within applicable legal timeframes. Certain rights may be limited by contractual or legal obligations.

  1. International Transfers

We may transfer, store, and process personal data in the United States and other countries. Where required, we implement appropriate safeguards (standard contractual clauses or other mechanisms) to ensure adequate protection.

  1. Children’s Privacy

Our Services are not directed to children under 16. We do not knowingly collect personal data from children. If we become aware we have collected data from a child in violation of this policy, we will take steps to delete it.

  1. Third‑Party Links and Integrations

Our Services may contain links to third‑party sites or integrate with third‑party tools. This Privacy Policy does not apply to those third parties. We encourage you to review their privacy notices.

  1. Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes in practices or legal requirements. Material changes will be posted with an updated “Effective date” and, where required, notified to you. Continued use after changes constitutes acceptance.

  1. Contact Us

For questions, requests to exercise rights, data export or deletion requests, or privacy concerns, contact: 

Phone: [Insert phone number]

  1. Additional Notices (California and Other Jurisdictions)

If you are a resident of California or another jurisdiction with specific privacy laws, you may have additional rights. Please contact us at the address above for details on how to exercise those rights and a description of categories of personal information we collect, disclose, and sell (if any). We do not sell personal information as defined under applicable law.

Privacy Policy — Vast Horizons Consulting, LLC

Effective date: December 22, 2025

  1. Introduction

Vast Horizons Consulting, LLC (“Company”, “we”, “us”) values your privacy. This Privacy Policy explains what personal and non‑personal information we collect, how we use and share it, your choices, and our data security and retention practices in connection with our subscription services, website, and related offerings (“Services”). By using our Services, you agree to the collection and use described herein.

  1. Information We Collect

– Account and Contact Information: name, company name, email address, phone number, billing address, and billing/payment method details (processed by third‑party payment processors). 

– Account Credentials: usernames, passwords, and authentication data. 

– Usage and Telemetry Data: service usage metrics, feature interactions, performance and error logs, IP addresses, device and browser information, and analytics data. 

– Transaction and Billing Data: invoices, payment confirmations, billing history, and subscription status. 

– Communications: support requests, feedback, and correspondence with us. 

– Other Data: any information you choose to provide (e.g., uploaded files, project requirements, etc). 

– Aggregated/De‑identified Data: we may aggregate or de‑identify data for analytics and product improvement.

  1. How We Use Information

We use information to: 

– Provide, operate, and maintain the Services; 

– Process payments, manage subscriptions, and bill customers; 

– Communicate about account activity, updates, security alerts, and support; 

– Improve and personalize the Services, perform analytics, and develop new features; 

– Detect, prevent, and respond to fraud, abuse, security incidents, and illegal activity; 

– Comply with legal obligations and enforce our Terms.

  1. Legal Bases for Processing (for EEA/UK users)

As of the Effective date of this notice the Company provides subscription services for only the US banking institutions and does not process international payments.

  1. Sharing and Disclosure

We do not sell customer data. We may share information with: 

– Service Providers: payment processors, hosting and cloud providers, analytics vendors, CRM and support providers, and other vendors who perform services on our behalf; 

– Professional Advisors: lawyers, accountants, and auditors as necessary; 

– Affiliates and Acquirers: in connection with corporate transactions (merger, acquisition, sale of assets); 

– Legal and Safety: when required by law, court order, or to respond to lawful requests; to protect rights, property, or safety of users or the public; and to enforce our Terms; 

– With Your Consent: any other disclosures you expressly authorize.

  1. Cookies and Tracking Technologies

We and our service providers use cookies, web beacons, and similar technologies to collect usage data and improve the user experience. You can manage cookie preferences through your browser settings; disabling cookies may affect functionality.

  1. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal data from unauthorized access, disclosure, alteration, and destruction. These measures include access controls, encryption in transit, secure development practices, and periodic security assessments. However, no system is perfect and we cannot guarantee absolute security.

  1. Data Retention and Deletion

We retain personal data as needed to provide Services, comply with legal obligations, resolve disputes, and enforce agreements. When data is no longer necessary, we securely delete or anonymize it. Account deletion or termination requests will be handled per our retention and export policies; exported data requests may incur reasonable administrative fees.

  1. Your Rights and Choices

Depending on your jurisdiction, you may have rights including: 

– Access: request a copy of personal data we hold about you; 

– Correction: request correction of inaccurate or incomplete data; 

– Deletion: request deletion of personal data, subject to legal exceptions; 

– Restriction or Objection: request restriction of processing or object to certain processing based on legitimate interests; 

– Portability: request a machine‑readable copy of your data; 

– Consent Withdrawal: withdraw consent where processing is based on consent. 

To exercise rights, contact us at the contact information below. We may require verification and will respond within applicable legal timeframes. Certain rights may be limited by contractual or legal obligations.

  1. International Transfers

We may transfer, store, and process personal data in the United States and other countries. Where required, we implement appropriate safeguards (standard contractual clauses or other mechanisms) to ensure adequate protection.

  1. Children’s Privacy

Our Services are not directed to children under 16. We do not knowingly collect personal data from children. If we become aware we have collected data from a child in violation of this policy, we will take steps to delete it.

  1. Third‑Party Links and Integrations

Our Services may contain links to third‑party sites or integrate with third‑party tools. This Privacy Policy does not apply to those third parties. We encourage you to review their privacy notices.

  1. Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes in practices or legal requirements. Material changes will be posted with an updated “Effective date” and, where required, notified to you. Continued use after changes constitutes acceptance.

  1. Contact Us

For questions, requests to exercise rights, data export or deletion requests, or privacy concerns, contact: 

Phone: [Insert phone number]
  1. Additional Notices (California and Other Jurisdictions)

If you are a resident of California or another jurisdiction with specific privacy laws, you may have additional rights. Please contact us at the address above for details on how to exercise those rights and a description of categories of personal information we collect, disclose, and sell (if any). We do not sell personal information as defined under applicable law.

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