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PCI Payment & Security Policy

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  • PCI Payment & Security Policy
  1. Purpose

Urgent Health Care Near Me (“Company,” “we,” “our,” or “us”) is committed to protecting the confidentiality, integrity, and security of payment information submitted through our Website and telehealth services.

This PCI Payment & Security Policy explains how we process electronic payments, protect payment-related information, and maintain secure payment practices for patients using our Website.

This Policy should be read together with our:

  • Privacy Policy
  • Website Terms & Conditions
  • Refund Policy
  • Cancellation & Rescheduling Policy
  1. Scope

This Policy applies to all payments made through:

  • Our Website
  • Online appointment scheduling
  • Secure payment links
  • Electronic invoices
  • Approved payment processing platforms
  • Any future digital payment channels approved by Urgent Health Care Near Me

This Policy applies to all patients and users who submit payment information for services provided by Urgent Health Care Near Me.

  1. Secure Payment Processing

Urgent Health Care Near Me uses reputable third-party payment processors to securely process electronic payments.

At the time this Policy was published, payments are processed through Square or another authorized payment processor selected by the Company.

All payment transactions are transmitted directly through the payment processor’s secure payment environment.

Urgent Health Care Near Me does not manually process, store, or retain complete payment card information on its own Website servers.

  1. Protection of Cardholder Information

To help safeguard payment information, we implement commercially reasonable administrative, technical, and organizational safeguards designed to reduce the risk of unauthorized access to payment-related data.

These safeguards may include:

  • Secure website encryption (HTTPS/TLS)
  • Restricted administrative access
  • Password-protected systems
  • Role-based access controls
  • Firewall protections
  • Security monitoring
  • Malware protection
  • Routine software updates
  • Secure hosting environments
  • Access logging where applicable

Access to payment-related information is limited to authorized personnel with a legitimate business need.

  1. PCI DSS Awareness

Urgent Health Care Near Me recognizes the importance of maintaining secure payment practices consistent with industry standards.

Electronic payment processing is conducted through third-party payment providers that are responsible for maintaining their own Payment Card Industry Data Security Standard (PCI DSS) compliance, where applicable.

Because payment information is processed through these independent providers, their handling of payment card data is governed by their own security standards, certifications, privacy policies, and contractual obligations.

Urgent Health Care Near Me does not represent or warrant the PCI DSS certification status of any third-party payment processor beyond information publicly provided by that processor.

  1. Information We May Receive

Although complete payment card information is generally processed directly by the payment processor, we may receive certain limited transaction information necessary to administer your account.

This information may include:

  • Patient name
  • Billing name
  • Billing address
  • Payment confirmation
  • Transaction reference number
  • Payment status
  • Amount paid
  • Date and time of payment
  • Last four digits of a payment card, where provided by the processor
  • Payment method type (e.g., Visa, Mastercard, American Express)

This information is used solely for legitimate business purposes such as confirming payment, issuing receipts, responding to billing inquiries, maintaining accounting records, and addressing refund requests.

  1. Information We Do Not Store

For your security, Urgent Health Care Near Me does not intentionally store:

  • Full credit card numbers
  • Full debit card numbers
  • Card verification values (CVV/CVC)
  • Card PIN numbers
  • Magnetic stripe data
  • EMV chip data
  • Payment authentication credentials

Where payment information is entered, it is transmitted directly to the payment processor through secure technology.

  1. Payment Security Measures

To reduce the risk of unauthorized access or fraud, Urgent Health Care Near Me may implement security measures including:

  • Secure encrypted connections
  • Multi-factor authentication for administrative systems where appropriate
  • Password protection
  • Limited employee access
  • Internal security procedures
  • Routine software maintenance
  • Vendor security reviews
  • Fraud monitoring
  • Secure payment confirmations
  • Access logging

Security measures may evolve over time as technology and industry standards change.

  1. Fraud Prevention

Urgent Health Care Near Me reserves the right to review payment transactions for indications of fraud, unauthorized activity, or suspicious behaviour.

We may delay, decline, suspend, or cancel transactions where we reasonably believe:

  • Payment information has been used without authorization.
  • Identity cannot be verified.
  • Fraudulent activity is suspected.
  • Payment processing errors have occurred.
  • Applicable laws or regulations require additional verification.

Where appropriate, we may request additional identification before completing a transaction.

These measures are intended to protect both patients and the Company.

  1. Patient Responsibilities

Patients are responsible for ensuring that:

  • Payment information provided is accurate.
  • They are authorized to use the selected payment method.
  • Billing information is current.
  • They immediately notify their financial institution if unauthorized activity is suspected.
  • They protect their own devices from unauthorized access.
  • They maintain secure passwords where applicable.

Patients should avoid submitting payment information through unsecured public Wi-Fi networks or shared devices whenever possible.

  1. Third-Party Payment Providers

Payment processors used by Urgent Health Care Near Me operate independently and maintain their own:

  • Privacy Policies
  • Security Policies
  • Terms of Service
  • PCI compliance programs
  • Fraud detection systems

Urgent Health Care Near Me is not responsible for the internal security practices, operational procedures, or system availability of independent payment processors.

Users are encouraged to review the policies of any third-party payment provider before submitting payment information.

  1. Payment Disputes

If you believe a payment has been processed incorrectly, please contact Urgent Health Care Near Me promptly before initiating a dispute with your financial institution.

Many payment concerns can be resolved quickly through direct communication.

Payment disputes may require us to review:

  • Transaction records
  • Appointment records
  • Payment confirmations
  • Provider documentation
  • Administrative records

Nothing in this Policy limits any rights you may have under applicable consumer protection laws.

  1. Data Breach Response

Although we implement commercially reasonable safeguards, no electronic payment system or internet-based technology can guarantee absolute security.

If Urgent Health Care Near Me becomes aware of a security incident affecting payment-related information under our control, we will take reasonable steps appropriate to the nature of the incident, which may include:

  • Investigating the incident.
  • Containing and mitigating potential risks.
  • Coordinating with relevant service providers.
  • Implementing corrective measures.
  • Providing notifications where required by applicable law.

Any response will be conducted in accordance with applicable legal and regulatory obligations.

  1. Limitation of Liability

To the fullest extent permitted by applicable law, Urgent Health Care Near Me shall not be liable for losses arising from:

  • Banking system failures.
  • Third-party payment processor outages.
  • Internet service interruptions.
  • Unauthorized access resulting from patient negligence.
  • Fraudulent activity beyond our reasonable control.
  • Delays caused by financial institutions.
  • Cybersecurity incidents affecting independent third-party service providers.

Nothing in this section excludes liability that cannot lawfully be excluded under applicable law.

  1. Policy Updates

Urgent Health Care Near Me reserves the right to amend or update this PCI Payment & Security Policy at any time.

Revised versions will become effective upon publication on the Website unless another effective date is specified.

Users are encouraged to review this Policy periodically.

Continued use of our payment services following publication constitutes acceptance of the revised Policy.

  1. Legal Notice

This PCI Payment & Security Policy has been prepared specifically for Urgent Health Care Near Me to explain the Company’s payment processing and security practices. It is intended to complement the Website Terms & Conditions, Privacy Policy, Refund Policy, and other published policies.

This Policy does not constitute a certification or representation that Urgent Health Care Near Me is independently PCI DSS certified. Payment processing is conducted through third-party providers responsible for maintaining their own PCI DSS compliance where applicable.

This Policy should be reviewed by qualified legal counsel prior to implementation to ensure compliance with applicable federal, state, healthcare, telehealth, consumer protection, payment security, and data protection laws.