1. Introduction

MuniPaaS Corporation ("we," "us," "our," or "Company") is committed to protecting your privacy and ensuring you have a positive experience on our website and in your interactions with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at www.munipaas.com and use our services, including SMS communications.

Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our services. By accessing or using MuniPaaS services, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy.

2. Information We Collect

We collect information in the following ways:

2.1 Information You Provide Directly

  • Contact Information: Name, email address, phone number, mailing address, job title, company
  • Account Information: Username, password, profile information, preferences
  • Communication Data: Content of emails, messages, phone calls, or other communications you have with us
  • Transactional Information: Payment information, purchase history, invoicing details
  • SMS Consent Data: Phone numbers and SMS opt-in records collected when you consent to receive SMS communications

2.2 Information Collected Automatically

  • Device Information: IP address, browser type, device type, operating system, device identifiers
  • Usage Data: Pages visited, time spent on pages, links clicked, referral source
  • Location Data: General geographic location (city, region) inferred from IP address
  • Cookies and Tracking Technologies: We use cookies, web beacons, pixels, and similar technologies to track user activity and improve our services

2.3 Information from Third Parties

We may receive information about you from publicly available sources, business partners, data providers, and social media platforms when you interact with us there.

3. How We Use Your Information

We use the information we collect for the following purposes:

  • Providing and improving our services and customer support
  • Processing transactions and sending related information
  • Sending promotional emails, newsletters, and marketing communications (which you can opt out of at any time)
  • Responding to your inquiries and requests
  • Conducting analytics and measuring service effectiveness
  • Detecting, preventing, and addressing fraud, security, and technical issues
  • Complying with legal obligations and government requests
  • Personalizing your experience based on your preferences
  • Sending SMS communications only to those who have explicitly opted in

Note: SMS communication data is used exclusively by MuniPaaS Corporation and is never used for purposes of sharing, selling, or marketing through third parties.

4. SMS Opt-In Data Protection & Privacy Statement

MuniPaaS will not share SMS opt-in phone numbers with any third party.

SMS phone numbers and SMS consent information collected from opt-in recipients will not be shared, sold, rented, or disclosed to any service provider, business partner, affiliate, or third party for any reason whatsoever.

SMS opt-in data will not be used for marketing purposes by external organizations.

MuniPaaS uses SMS phone numbers exclusively for direct communications with the recipient who provided the number. SMS phone numbers are never made available to external parties.

Opt-Out: Reply STOP to any SMS message or contact sales@munipaas.com to unsubscribe.

5. Legal Requirements

We may disclose information when required by law, court order, or government request, or when we believe in good faith that such disclosure is necessary to:

  • Comply with applicable laws, regulations, or legal processes
  • Enforce our terms and conditions
  • Protect the safety, rights, or property of MuniPaaS, our users, or the public
  • Detect, prevent, or address fraud, security, or technical issues

SMS data is never disclosed under these circumstances except as required by law.

5.1 Service Providers

We may share non-SMS personal information with third-party service providers who perform services on our behalf, including hosting, analytics, payment processing, customer support, and email delivery. These providers are contractually required to use your information only to provide the services we request and to maintain confidentiality. Service providers do NOT receive SMS opt-in data.

5.2 Business Partners & Affiliates

We may share non-SMS personal information with business partners and affiliates to offer complementary products and services. Business partners and affiliates NEVER receive SMS opt-in data or SMS contact information under any circumstances.

5.3 Legal Requirements & Safety

We may disclose information when required by law, court order, or government request, or when we believe in good faith that such disclosure is necessary to:

  • Comply with applicable laws, regulations, or legal processes
  • Enforce our terms and conditions
  • Protect the safety, rights, or property of MuniPaaS, our users, or the public
  • Detect, prevent, or address fraud, security, or technical issues

5.4 Business Transfers

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

5.5 Public Information

Any information you post in public areas of our website or services (forums, comments, social media integrations) is publicly accessible and not protected under this privacy policy.

6. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience and analyze site usage:

Cookie TypePurposeDurationEssential/Session CookiesAuthentication, security, and core functionalitySession (browser closed)Preference CookiesRemember your choices and settings1–2 yearsAnalytics CookiesUnderstand how you use our site1–2 yearsMarketing/Tracking CookiesPersonalize content and track engagement1–2 years

Opting Out: You can disable cookies through your browser settings. However, disabling cookies may affect site functionality.

7. Data Retention

We retain personal information only as long as necessary for the purposes outlined in this Privacy Policy:

  • Contact Information: Retained for the duration of our business relationship plus 3 years for record-keeping and legal compliance
  • SMS Opt-In Data: Retained until you unsubscribe or request deletion; never shared regardless of retention period
  • Usage & Analytics Data: Retained for up to 2 years for service improvement and security purposes
  • Payment Information: Retained for billing and accounting purposes; payment card data is not stored long-term
  • Legal Hold Data: Retained as required by law or legal process

8. Your Privacy Rights & Choices

Depending on your location, you may have the following rights:

8.1 Access & Portability

You can request a copy of the personal information we hold about you.

8.2 Correction & Update

You can request that we correct or update inaccurate information.

8.3 Deletion (Right to be Forgotten)

You can request deletion of your personal information, subject to legal retention requirements.

8.4 Opt-Out of Communications

  • Marketing Emails: Click "Unsubscribe" at the bottom of any marketing email
  • SMS Messages: Reply STOP to any SMS message or contact sales@munipaas.com
  • Analytics/Tracking: Adjust your browser privacy settings or contact us

8.5 Do Not Track

Some browsers include a Do Not Track feature. We do not currently respond to DNT signals, but you can adjust your browser settings to limit tracking.

To exercise any of these rights, contact us at legal@munipaas.com with your request and supporting documentation.

9. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction, including:

  • Encryption of sensitive data in transit (TLS/SSL)
  • Secure authentication and password protocols
  • Access controls and role-based permissions
  • Regular security audits and vulnerability assessments
  • Employee training on data protection and privacy
  • Incident response procedures

While we strive to protect your information, no security system is impenetrable. We cannot guarantee absolute security of your data. If you become aware of a security breach, please contact us immediately.

10. Third-Party Links & Services

Our website may contain links to third-party websites and services that are not operated by MuniPaaS. This Privacy Policy does not apply to third-party websites, and we are not responsible for their privacy practices. Please review the privacy policies of any third-party sites before providing personal information.

11. Children's Privacy

Our services are not intended for children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete such information and terminate the child's account. Parents or guardians who believe we have collected information from a child under 13 should contact us immediately at legal@munipaas.com.

12. International Data Transfers

If you are located outside the United States or Canada, please be aware that your information may be transferred to, stored in, and processed in the United States or Canada, where data protection laws may differ from your home country. By using our services, you consent to the transfer of your information to countries outside your country of residence, which may have different data protection rules.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated policy on our website and updating the "Last Updated" date. Your continued use of our services following the posting of revisions constitutes your acceptance of those changes. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

14. Contact Us

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

MuniPaaS Corporation

This Privacy Policy is effective as of January 29, 2026. MuniPaaS Corporation is committed to protecting your privacy and complying with applicable privacy laws including GDPR, CCPA, CASL, and TCPA.