How we handle your information.
Last updated: October 15, 2026
Second Opinion Processing ("we," "us," or "our") provides independent reviews of merchant payment processing costs. This policy explains what information we collect when you visit our site or request an analysis, how we use it, and the choices you have.
Information We Collect
Information you provide to us
When you request a Second Opinion through our site, you provide us:
- Your business name and your name
- Your email address and phone number
- Your preferred method of contact (phone, email, or text)
- Any additional notes you choose to share
- Optionally, a copy of a merchant processing statement, agreement, or proposal that you upload
Information collected automatically
When you visit our site, our servers automatically log certain technical information, including your IP address, browser and device type (user agent), the page that referred you, and the pages you request. We use this information for basic analytics and security purposes, such as understanding traffic to the site and detecting abuse.
If you arrive through one of our links (for example, a social media post or a mailer) or from another website, your browser remembers that link's campaign details and the referring site for up to 30 days. This is stored only on your device and is sent to us only if you submit an analysis request, so we can tell which of our posts and outreach are helpful to business owners.
How We Use Your Information
We use the information you provide to:
- Review and analyze your current payment processing costs
- Contact you, using your preferred method, to discuss your analysis or ask follow-up questions
- Prepare a proposal, if you ask us to explore an alternative
- Maintain records of requests submitted through our site
- Improve and maintain our website
Any merchant statement, agreement, or proposal you upload is used solely to evaluate your current processing program and prepare your analysis.
How We Share Your Information
We do not sell your personal information, and we do not share your merchant statement or the details of your processing costs with third parties, except:
- With service providers who host our website and database on our behalf, solely to operate the site and store your submission
- If required to do so by law, subpoena, or other legal process
- To protect the rights, property, or safety of Second Opinion Processing, our users, or others
Data Retention
We retain the information you submit for as long as needed to complete your analysis, respond to your inquiry, and maintain business records, or until you ask us to delete it, whichever comes first. Automatically collected technical logs are retained for a limited period for security and analytics purposes.
Data Security
We use reasonable technical and organizational safeguards designed to protect the information you share with us, including restricting access to uploaded statements and submission records to authorized personnel. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
Your Choices and Rights
You may contact us at any time to:
- Ask what information we hold about you
- Request a correction to inaccurate information
- Request that we delete your information or uploaded statement
- Withdraw consent to be contacted about your analysis
To make any of these requests, contact us using the information below. We will respond within a reasonable time.
Cookies and Similar Technologies
Our site does not use advertising or tracking cookies. As described above, we use your browser's local storage to remember which of our links brought you here; it is not shared with anyone or used for advertising, and you can clear it at any time through your browser settings. Pages on our site load web fonts from Google Fonts, which may receive your IP address as part of that request. We do not use this to identify you personally.
Service Area
Our services are offered only to businesses located in the United States and its territories, and this site is intended for visitors there. We do not market our services to, or knowingly accept analysis requests from, businesses or individuals outside the United States.
Children's Privacy
Our services are intended for business owners and decision-makers and are not directed to individuals under 18. We do not knowingly collect information from children.
Changes to This Policy
We may update this policy from time to time to reflect changes in our practices. When we do, we will revise the "Last updated" date at the top of this page.
Contact Us
If you have questions about this policy or how we handle your information, contact us: