Legal
Last updated: May 2026
This Privacy Policy explains how Lubao LLC collects, uses, shares, and protects information when you visit lubao.co, contact us, use our calculator, request a statement review, schedule a call, use the setup flow, or submit information through our forms.
Lubao LLC is an independently owned and operated business that represents Payroc LLC for merchant processing services. This policy applies to Lubao's website and related lead, sales, statement-review, setup, onboarding, and support activity. Payroc's own privacy practices are governed by Payroc's policies and applicable merchant agreements.
We may collect information you choose to provide through the website, email, scheduling tools, statement-review requests, setup flows, application tools, or direct communication with Lubao. This may include:
Merchant account review may require sensitive information, including owner details, taxpayer identification information, dates of birth, Social Security numbers, banking information, business documents, voided checks, business licenses, storefront photos, and other underwriting materials.
Some fields on Lubao's application tools may be designed not to save sensitive information in your browser between sessions. However, when you intentionally submit an application, upload documents, or send information to Lubao, that information may be transmitted and used for merchant account review, underwriting, onboarding, support, or related business purposes.
Please do not submit sensitive information unless it is needed for a merchant-services request or onboarding process. Avoid sending highly sensitive information by unsecured email unless you are specifically instructed to do so or choose to proceed that way.
We may use information to:
We do not sell personal information. We may share information when reasonably necessary for the purposes described in this policy, including:
If you provide a processing statement, voided check, business license, photo, application document, or other business document, we may use it to review current fees, estimate savings, understand your business, evaluate equipment or pricing options, prepare your application, support underwriting, or help determine appropriate Payroc-supported solutions.
These documents may be shared with Payroc and/or applicable banking, technology, underwriting, equipment, gateway, or service-provider partners when needed for analysis, underwriting, onboarding, support, or account servicing.
If Lubao requests supporting documents, we will provide instructions for how to submit them. Do not send sensitive documents unless they are needed for a merchant-services request, statement review, application, underwriting, onboarding, or support matter.
Some website tools may save progress locally in your browser so you can return to a form or setup flow later. This may include non-sensitive business details, setup selections, pricing-program preferences, selected tools, and section-completion status.
Lubao may design certain sensitive fields, such as SSN, EIN, dates of birth, routing numbers, and bank account numbers, not to be stored in local browser storage. If you return later, you may need to re-enter those fields.
You may be able to clear saved progress using a website control, by clearing your browser storage, or by using another browser/device.
We may use cookies, analytics tools, hosting logs, or similar technologies to understand site traffic, improve pages, remember certain preferences, troubleshoot functionality, monitor performance, and protect the website.
You can adjust cookie settings through your browser. Disabling cookies or storage may affect some website features, including saved progress, form behavior, analytics, or user-experience improvements.
We use reasonable administrative, technical, and organizational safeguards to protect information. However, no website, email system, file upload, internet transmission, or electronic storage method is completely secure.
You are responsible for using reasonable care when submitting information online, including using secure devices, avoiding public computers for sensitive submissions, and confirming that you are communicating with legitimate Lubao contact channels.
We keep information as long as reasonably needed for the purposes described in this policy, including lead follow-up, statement review, merchant onboarding, account support, legal compliance, fraud prevention, dispute resolution, business records, and relationship management.
Retention periods may vary based on the type of information, whether you become a merchant, whether the information was submitted to Payroc or another service provider, and applicable legal, contractual, underwriting, compliance, or recordkeeping requirements.
You may contact us to request access, correction, or deletion of information you have provided to Lubao, subject to legal, contractual, underwriting, fraud-prevention, security, compliance, and recordkeeping obligations.
If information has already been shared with Payroc or another service provider, that information may also be governed by that provider's privacy policy, merchant agreement, underwriting requirements, or legal obligations. Lubao may not be able to delete or modify records maintained by third parties.
You may unsubscribe from non-essential marketing communications by following the instructions in the message or contacting Lubao directly. We may still send transactional, application-related, support-related, or account-related communications when appropriate.
Our website may link to or use third-party websites, platforms, and tools, including Payroc, scheduling platforms, email providers, analytics tools, form tools, gateway providers, equipment providers, or other service providers.
We are not responsible for the privacy practices, security, content, or policies of third-party websites or services. Your use of third-party services is governed by their own terms and privacy policies.
This website is intended for business users and is not directed to children under 18. We do not knowingly collect personal information from children. If you believe a child has provided information through the website, please contact us so we can review the issue.
Depending on where you live, you may have additional rights under applicable privacy laws. These rights may include the ability to request access, correction, deletion, or information about how certain personal information is used or shared.
Lubao does not sell personal information. If you have a privacy-related request, contact us using the email address below and we will review it based on applicable law and our legal, contractual, underwriting, fraud-prevention, and recordkeeping obligations.
We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised “Last updated” date. Your continued use of the website after updates are posted means the updated policy applies to your use of the website going forward.
Questions about this Privacy Policy or privacy-related requests may be sent to [email protected].