Privacy Policy

Ricks Auto Solutions - Payment Privacy Policy 

Effective Date: April 1, 2025 

  1. Introduction

This Payment Privacy Policy outlines how Ricks Auto Solutions ("we," "us," or "our") collects, uses, stores, and protects your personal information when you make payments for our automotive services. We are committed to protecting your privacy and ensuring the security of your payment information. This policy applies specifically to information provided during the payment process, whether in person, over the phone, or through any online payment portal we may use. 

  1. Information We Collect for Payment Processing

To process your payment for services rendered, we may collect the following information: 

  • Contact Information: Your full name, billing address, email address, and phone number. 
  • Payment Card Information: Credit or debit card number, card expiration date, and Card Verification Value (CVV) code. (Note: For transactions processed through secure third-party gateways like Square, PayPal, etc., we typically do not store your full card number or CVV after the transaction is authorized.) 
  • Bank Account Information: If you pay via ACH transfer or electronic check, we may collect bank account and routing numbers. 
  • Transaction Information: Details about the specific services purchased, the date and time of the transaction, and the payment amount. 
  • Identification Information: In some cases (e.g., large transactions, fraud prevention), we may ask for identification verification. 
  1. How We Use Your Payment Information

Your payment information is used solely for the following purposes: 

  • To process and complete your payment transactions accurately. 
  • To issue receipts and payment confirmations. 
  • To prevent fraudulent transactions and verify identities. 
  • To issue refunds or handle billing disputes. 
  • To communicate with you regarding your payment or account status. 
  • To comply with legal, regulatory, and financial reporting requirements. 
  1. How We Store and Protect Your Information

We take the security of your payment information seriously. 

  • Third-Party Processors: We primarily use reputable third-party payment processing services (e.g., Square, PayPal, Stripe, your bank's merchant services, etc., or state "secure payment gateways"]) to handle payment card transactions. These processors are typically compliant with the Payment Card Industry Data Security Standard (PCI DSS). Your full card details are often sent directly to these processors and are not stored on our local systems. Please refer to the privacy policies of these third-party processors for details on how they handle your data. 
  • Data Minimization: We only collect payment information that is necessary to complete the transaction. 
  • Secure Handling: Any payment information we do handle directly (e.g., information taken over the phone before entry into a secure system, signed paper receipts) is handled securely and access is restricted to authorized personnel. Sensitive paper records are securely stored and disposed of when no longer needed for legal or financial purposes. 
  • No Sale of Data: We do not sell, rent, or trade your payment information to third parties for marketing purposes. 
  1. Information Sharing

We only share your payment information with the following parties, and only as necessary: 

  • Payment Processors: To securely authorize and complete your transaction. 
  • Financial Institutions: Our bank and your card-issuing bank as needed for transaction settlement. 
  • Legal Authorities: If required by law, subpoena, or other legal process, or if necessary to protect our rights or prevent fraud. 
  1. Data Retention

We retain payment transaction records for as long as necessary to fulfill the purposes outlined in this policy, comply with our legal obligations (e.g., tax and financial record-keeping requirements), resolve disputes, and enforce our agreements. Sensitive data like full card numbers or CVV codes are generally not retained by us after transaction authorization when using third-party processors. 

 

  1. Your Rights (California Residents - CCPA/CPRA)

As a California resident, you have specific rights regarding your personal information, including: 

  • Right to Know: You can request information about the categories and specific pieces of personal information we have collected about you, the sources of the information, the purposes for collecting it, and the categories of third parties with whom we share it. 
  • Right to Delete: You can request the deletion of your personal information, subject to certain exceptions (e.g., information needed to complete the transaction, comply with legal obligations). 
  • Right to Correct: You can request the correction of inaccurate personal information we hold about you. 
  • Right to Opt-Out: We do not sell or share your payment information for cross-context behavioral advertising, so opt-out rights related to selling/sharing in that context are not applicable to how we handle payment data. 
  • Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights. 

To exercise these rights regarding your payment information, please contact us using the information below. 

  1. Policy Updates

We may update this Payment Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on our premises or website, or through direct communication if appropriate. The effective date at the top indicates the latest revision date. 

  1. Contact Us

If you have any questions or concerns about this Payment Privacy Policy or our handling of your payment information, please contact: 

Ricks Auto Solutions 

24454 Anderson Ave, Barstow, CA 

(760) 282-4408 

rick@ricksautosolutions.com