Privacy policy.
Last Updated: October 2, 2026
This Privacy Policy explains how Zero Processing Fees LLC, doing business as Keep The Fees ("KTF," "we," "us") collects, uses, discloses, and retains personal information in connection with the Keep The Fees platform: the web application, mobile applications, APIs, and the keepthefees.com website (together, the "Services").
It is written to be read alongside the Keep The Fees Terms of Service (the "Terms") and the KTF Data Processing Addendum. Capitalised terms have the meanings given in the Terms. Section 4 of the Terms governs interpretation of the agreement with Shops and Individual Users. That order of precedence does not authorise processing contrary to this Policy's privacy commitments or limit any individual's rights under applicable law.
1. Who this Policy covers, and what role KTF plays
The Services are used by tattoo, piercing, and body-art businesses (each a "Shop") and by owners, managers, artists, staff, contractors, other Individual Users, clients, and website visitors. This Policy applies to their personal information whether or not they have an account or have accepted the Terms. KTF's role depends on the purpose for which a record is held:
Shop account holders and authorised users. KTF administers its direct account relationship with each Individual User, including people who do not own a Shop. For User Account Data, KTF determines how and why information is processed to manage accounts, authenticate users, administer Shop memberships, operate and secure the Services, provide support, record agreements and preferences, and communicate. Platform access depends on an active, authorised Shop relationship; an individual account does not provide independent access after those relationships end.
The Shop's clients and personnel. The Shop determines the purposes of processing its Client Data and Artist Data, including work, commission, payout, client, and consent records, and KTF processes those records on its behalf as a service provider. The Shop retains ownership and control of its business records, subject to individuals' statutory rights and underlying intellectual property rights. A person's profile, contribution to a record, or departure from the Shop does not transfer those records to them. The Shop provides its own privacy notices and obtains the consents required for its processing; KTF assists with requests as described in Section 9.
The same person may have User Account Data administered by KTF and separate records held for a Shop. Requests, access, sharing, and retention depend on which records are involved. Accepting a Shop agreement does not supply that person's personal acceptance or a separate consent legally required from them.
Website visitors. When you browse keepthefees.com without an account, KTF collects the limited technical information described in Section 2.
If you are a client of a Shop and have a question about how your information is handled, please contact the Shop first. It holds your relationship and can act on your request directly. If you are not sure which Shop to contact, or the Shop is unresponsive, contact us at the address in Section 13 and we will help.
2. Information we collect
Shop account information. Business name, legal entity details, tax identification number, business address, owner and authorised-user names, email addresses, telephone numbers, login credentials, payment method details for subscription billing, and the documents and information the Shop provides for business verification (know-your-business and know-your-customer checks), which may include government-issued identification of owners.
User Account Data. Names, contact details, profile information supplied for an account, authentication information, Shop memberships and permissions, account preferences, support communications, and account security and acceptance records. Acceptance records include the document and version presented, the accepting user and capacity, the relevant Shop where applicable, timestamp, and IP address or other supporting information where captured.
Shop Data. Business and operational data generated by the Shop's use of the Services: payment processing volume, transaction counts and values, average ticket size, service mix, appointment and cancellation rates, staffing levels, inventory, and product usage.
Client Data. Information about a Shop's clients entered into or generated by the Services: name, contact details, appointment history, notes, and the content of forms the Shop administers through the Services, including intake, consent, waiver, and medical-history forms. Client forms may include photographs, signatures, copies of identification documents, and Health Information: information about an individual's physical or mental health, medical history, medications, allergies, conditions, treatment, or diagnoses.
Artist Data. Information held for a Shop about its artists, staff, and contractors: name, contact details, role, work records, commission and payout settings, and, where the Shop uses contractor payments, the information required to pay them. This is distinct from User Account Data maintained separately by KTF, even where some details appear in both.
Messaging data. Telephone numbers and email addresses used for appointment communications and, where a Shop uses marketing features, for marketing; the content of messages sent and received through the Services; and messaging consent and opt-out records, including the disclosure text presented, the time and source of each consent action, and the IP address and user agent where captured through a form.
Payment and payout data. Information necessary to process the Shop's subscription payments, to support the Shop's merchant processing relationship, and to support contractor payouts. Card numbers and bank account numbers are handled by KTF's payment providers; KTF does not store full payment card numbers.
Technical information. IP address, device and browser type, operating system, referring page, pages viewed, actions taken in the Services, and diagnostic logs. We use this to secure and operate the Services and to understand how they are used.
Information from third parties. Verification results from identity and business verification providers; transaction data from payment providers; and, where the Shop enables a financing feature, information from the financing partner about the status of a request.
3. How we use information
To provide the Services. Operating the platform; managing accounts; scheduling and booking; delivering forms; sending appointment reminders, confirmations, receipts, and account notifications; supporting contractor payouts; billing; customer support; and business verification required by law or by our payment and banking partners.
To operate, improve, and develop the Services. Consistent with Section 16.1 of the Terms, KTF may collect, store, use, analyse, and process Shop Data for any lawful business purpose, including operating, maintaining, securing, and improving the Services; developing new products, features, and services; training and improving machine learning and artificial intelligence models; benchmarking; research; and analytics. KTF does not currently train machine learning or artificial intelligence models on customer data, but retains the right to do so.
Individual accounts. KTF uses User Account Data for the account administration, access, security, support, communications, and compliance purposes described in Section 1. The broad Shop Data permissions above do not extend to User Account Data merely because an individual is associated with a Shop.
AI-assisted processing. KTF uses AI-assisted tools (including document intelligence services) to extract, structure, and process information in forms and documents as part of delivering the Services. This processing is performed by service providers under Section 6 on KTF's instructions and is a service-delivery function; it is distinct from model training.
To create and use Aggregated Data. Consistent with Section 16.2 of the Terms, KTF may create Aggregated Data: data combined across no fewer than five (5) distinct Shops, with direct identifiers removed, that does not identify and could not reasonably be used to identify any Shop, client, or artist, and that excludes all Health Information. KTF may use, publish, license, sell, and otherwise commercialise Aggregated Data for any purpose, including industry reporting and benchmarking, product development, marketing and promotional claims, advertising, and licensing to third parties. KTF does not currently license or sell Aggregated Data externally, but retains the right to do so. Aggregated Data is not personal information and this Policy does not restrict its use. KTF will not attempt to re-identify individuals or Shops from Aggregated Data and will require any recipient of Aggregated Data to maintain it in deidentified form.
To communicate with Shops and individuals. KTF sends Shops and Individual Users service announcements, security and account notices, policy updates, and relevant billing communications. Promotional communications are subject to the recipient's consent where required, and recipients may opt out of them at any time. A Shop's acceptance does not supply an individual's marketing consent.
To protect the Services and comply with law. Fraud detection, security monitoring, enforcing the Terms, and meeting legal, regulatory, tax, and audit obligations.
We do not use Client Data or Artist Data for any purpose other than providing, supporting, securing, and maintaining the Services, as instructed by the Shop, and creating Aggregated Data as described above.
4. Health Information
Health Information collected through a Shop's forms is among the most sensitive information the Services hold, and it is handled on stricter terms than other data:
- KTF processes Health Information only to provide the Services to the Shop, on the Shop's instructions.
- KTF does not sell or license Health Information.
- KTF does not use or disclose Health Information for advertising.
- KTF does not use or disclose Health Information for any purpose unrelated to providing the Services.
- KTF does not derive Aggregated Data from Health Information for any purpose.
- KTF does not use Health Information, form responses, or identification documents to target marketing, and does not permit Shops to do so through the Services.
KTF may engage service providers under Section 6 to process Health Information on its documented instructions in order to provide the Services, for example, to host it or to extract it from a submitted form.
Consumer health data laws. Some states regulate consumer health data held outside the healthcare system. Where such a law applies to a Shop's clients, the Shop is the entity that determines the purposes of collecting and processing that data, and KTF processes it as the Shop's service provider. Clients should direct requests concerning their health data to the Shop; KTF will support the Shop in fulfilling them, including deletion, and will apply deletion to backups within the period applicable law allows.
KTF and its Shops are not covered entities under HIPAA, and KTF does not represent that the Services are HIPAA-compliant or offer business associate agreements.
5. No sale of personal information
KTF does not sell Client Data or Artist Data in identifiable form, and does not share it for cross-context behavioural advertising, as those terms are defined under applicable privacy law. KTF does not sell User Account Data or share it for cross-context behavioural advertising.
Aggregated Data, which excludes Health Information and identifies no individual or Shop, is not personal information and is governed by Section 3.
6. Who we share information with
Service providers. KTF engages providers to process information on its behalf, including cloud hosting, document extraction, transactional messaging, embedded marketing delivery, analytics and error monitoring, and customer support. KTF authorises them to process only the permitted information for the permitted purposes, requires written confidentiality and data protection obligations no less protective than those applicable to the processing, and takes reasonable steps to assess, monitor, and address compliance. KTF commits to performing those duties; it does not guarantee every provider's performance or compliance. This includes the Marketing Provider. For personal information processed on a Shop's behalf, the Data Processing Addendum describes KTF's duties. For parties bound by the Terms, Section 39.8 excludes monetary liability for provider-related losses to the extent permitted by law, with the remaining Section 39 limits applying as provided there. KTF retains any responsibility the law makes nondelegable, and these contractual limits do not bind clients or visitors who have not agreed to them or limit nonwaivable rights or regulatory powers.
Shops and authorised users. KTF makes account identity, Shop membership, relevant profile details, and activity within a Shop available to that Shop's authorised users as needed to administer access and operate the Shop. Access to business records is governed by the Shop's permissions. Association with one Shop does not give it access to another Shop's records or to a user's private credentials. Profile content is displayed within the applicable Shop and any visibility options selected through the Services; separate KTF promotional use of an individual's name or likeness requires that individual's consent.
Services the Shop selects. Where a Shop independently engages a provider to process information on the Shop's instructions, rather than on KTF's behalf, that processing operates under the provider's own agreement with the Shop. The Shop's authorisation instructs KTF to transmit the data identified for that service, subject to any separate consent required by law. The Shop is responsible for its recipient's subsequent independent processing. KTF must perform its own express processing and delivery duties and any nondelegable legal duties, but does not guarantee the recipient's conduct. Monetary liability between parties bound by the Terms follows Section 39, including Section 39.8. Roles depend on the actual processing; merely enabling a feature does not turn a provider processing on KTF's behalf into an independent recipient.
Regulated providers. Payment, banking, financing, and messaging providers may process information for their own regulatory purposes (such as verification, sanctions screening, and fraud prevention) as independent parties under their own agreements with the Shop or individual receiving the relevant service.
Business financing and Instant Payout. Where a Shop affirmatively enables financing or Instant Payout after receiving the applicable data-sharing disclosure, KTF transmits the Shop's business metrics (payment processing volume, transaction counts, transaction dates, refunds, and chargebacks) to a third-party financing provider and its financial partners (the "Financing Provider"), which provide those services. The Financing Provider may use this information to provide estimates and its services, comply with law and with its financial partners' and regulators' requirements, build and train underwriting and credit models, and prevent fraud and financial loss, as described in the Financing Provider's own privacy policy. The Financing Provider has agreed with KTF not to sell or lease personal information it receives from KTF. KTF does not transmit client names, client contact information, card details, item or service descriptions, chat messages, or consent documents for this purpose, and does not obtain a credit report or transmit an owner's Social Security number, date of birth, or personal credit information to generate an estimate. The Financing Provider sets all eligibility criteria and pricing. KTF may receive compensation from the Financing Provider in connection with these services. A Shop may disable ongoing sharing at any time.
Legal and safety. KTF may disclose information where required by law, subpoena, or court order; to protect the rights, property, or safety of KTF, its users, or the public; to enforce the Terms; or in connection with fraud prevention.
Business transfers. If KTF is involved in a merger, acquisition, reorganisation, or sale of assets, information may be transferred as part of that transaction. KTF will notify affected Shops and Individual Users of any such transfer as provided in the Terms and provide any other notice required by law.
Providers are described by category above. Shops may obtain the current names, processing functions, and processing locations of providers handling personal information on KTF's behalf for them by contacting [email protected]. Updates to provider information are described in Section 5 of the Data Processing Addendum.
7. Messaging
Appointment and account messages. KTF sends transactional messages (appointment confirmations, reminders, and changes; receipts; and account notifications) from a KTF-operated telephone number on behalf of Shops. These messages are limited to transactional content; promotional content is not permitted in them. A client who provides a telephone number in connection with a booking is consenting to receive these messages about that booking.
Marketing messages. Where a Shop uses marketing features, marketing messages are sent under the Shop's own registration and identity, on separate infrastructure and separate telephone numbers from transactional messages, through KTF's marketing services provider. The Shop is the sender and is responsible for obtaining the consent applicable law requires. Marketing consent is recorded separately from transactional messaging permission, begins as not given for each new record, and is captured through a separate, optional checkbox with its own disclosure.
Opting out. Replying STOP, END, QUIT, CANCEL, UNSUBSCRIBE, REVOKE, OPT OUT, or any clear request to stop will end messages from the number it is sent to. A request to stop is honoured whether or not it uses a specific word, and whether made by text, email, telephone, or through a Shop. Because transactional messages are sent from a KTF number shared across Shops, opting out of transactional messages stops those messages from every Shop on the platform until you opt back in by replying START to that number. Opting out of marketing does not by itself stop appointment reminders; asking not to receive further messages generally will be honoured according to its terms.
Consent records. KTF records the disclosure text and version presented, the Shop, the telephone number, the category and source of each consent or opt-out action, and the time it was recorded. These records are retained as described in Section 10.
8. Minors
The Services are intended to be used by adults. Where a Shop serves a client who is a minor, the relationship (including any consent required from a parent or guardian, any notarisation or presence requirement, and any age restriction on the service) is between the Shop, the client, and the parent or guardian. The Shop is responsible for meeting every requirement that applies. KTF provides form and storage functionality only, does not verify any consent, and does not knowingly collect information directly from a child under 13 online. If you believe a child has provided information directly to KTF, contact us and we will delete it.
9. Your rights and how to exercise them
To the extent applicable law grants you rights over your personal information, you may:
- Know what personal information we hold about you, the categories of sources, the purposes of use, and the categories of third parties it is disclosed to;
- Access a copy of it;
- Correct inaccurate information;
- Delete it, subject to exceptions applicable law allows (for example, where retention is required by law or to complete a transaction);
- Opt out of the sale or sharing of personal information, noting that KTF does not sell personal information in identifiable form or share it for cross-context behavioural advertising;
- Not be discriminated against for exercising these rights.
If you are a Shop's client or a Shop's artist or staff member and your request concerns that Shop's business records, contact the Shop. KTF assists the Shop with locating, correcting, exporting, or deleting information as required by law and the Shop's instructions. If you contact KTF directly, we will verify your identity and act where we are responsible or forward the request to the relevant Shop. A Shop's ownership of its records does not eliminate statutory personal-information rights.
If you are a Shop account holder or authorised user and your request concerns User Account Data, your own platform acceptance records, or other information KTF handles for its own purposes, contact KTF at Section 13. Artists and other Individual Users may make these requests directly, including after Shop access ends. We will verify your identity and may require proof of an authorised agent's authority. Closing a user account does not automatically delete the Shop's work, client, payment, or consent records, and a personal request does not authorise access to another person's or Shop's information.
We will respond within the time applicable law requires. We do not charge for a reasonable number of requests.
10. Retention
During the relationship. KTF retains Shop records for the duration of the Shop's service relationship and as needed to provide the Services. User Account Data is retained as needed to administer the user's account and active, authorised Shop relationships. Where KTF has captured electronic agreements or supporting acceptance, consent, security, or audit information, it retains that information for the duration of the relevant service relationship. A record of a user's activity on a Shop's behalf may remain part of the Shop's records after the user leaves.
After termination. Within fourteen (14) days after a Shop's subscription ends, the Shop may request an export of its Shop Data, Client Data, and Artist Data, which KTF uses commercially reasonable efforts to provide within fifteen (15) business days of a valid request. After that period, KTF has no obligation to retain the Shop's data and may delete it. KTF deletes or de-identifies Client Data and Artist Data when it is no longer reasonably necessary for the purposes described in this Policy, subject to the exceptions below.
When individual access ends. Ending the last active Shop relationship ends the user's right to platform access. Account information no longer needed for the relevant service relationship is deleted or de-identified, subject to the exceptions below. Shop business records remain subject to the Shop's retention and deletion schedule; another active Shop relationship does not extend retention of a former Shop's records.
Exceptions. KTF retains information where required by law, tax, or regulatory obligation; where reasonably necessary to a pending or reasonably anticipated legal claim of which KTF has notice; and to the extent it exists in Aggregated Data, which KTF may retain and use indefinitely. Records needed to honour consent withdrawals or opt-outs may be retained for that limited purpose. Copies in routine backups are deleted through KTF's normal backup rotation.
Trials. KTF is not obliged to retain data from a trial that does not convert, but a Shop may request an export of signed forms and consent records generated during a trial within fourteen (14) days after it ends.
Messaging consent and opt-out records are retained for the period applicable law requires, including after the Shop's account ends, so that opt-outs continue to be honoured.
The Shop's own retention duties. Shops are subject to state record-retention requirements for client and consent records. Those are the Shop's obligation. The Shop is responsible for exporting and retaining the records it is required to keep; KTF's retention of data after termination is not a substitute.
11. Security
KTF maintains administrative, technical, and physical safeguards designed to protect information against unauthorised access, disclosure, alteration, and destruction, including encryption of data in transit and at rest using industry-standard methods, role-based access controls, logging of administrative access, and ongoing monitoring and review of KTF's security practices. Further detail is in the Keep The Fees Data Policy.
No system is perfectly secure. If a security incident affects a Shop's data, KTF notifies the Shop as required by Section 501.171, Florida Statutes, or within such shorter period as applicable law requires, and provides the information reasonably available at the time, supplemented as the investigation progresses.
KTF also gives notices concerning User Account Data to affected individuals or authorities where applicable law requires. Shops and Individual Users are responsible for their own devices, networks, and credentials; Shops control permissions within their accounts.
For Shops and Individual Users who have accepted the Terms, Section 39.8 excludes monetary liability for provider-related losses to the extent permitted by law. Where that exclusion does not apply, the damages exclusions and aggregate cap in Section 39 apply subject to their express exceptions. These provisions do not reduce KTF's stated processing and security duties, impose these contractual limits on clients or visitors who have not agreed to them, or limit nonwaivable rights or regulatory powers.
12. Website, cookies, and third-party APIs
When you visit keepthefees.com, we collect the technical information described in Section 2 through server logs and cookies or similar technologies, to operate the site, secure it, and understand how it is used. You can control cookies through your browser settings; disabling them may affect site functionality.
Where the Services connect to Google APIs, KTF's use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.
13. Contact
Zero Processing Fees LLC d/b/a Keep The Fees
3748 Coventry Lane
Boca Raton, FL 33496
14. Changes to this Policy
KTF may update this Policy. For material changes affecting a Shop or Individual User, KTF will provide notice through the Services or by email, a summary of the changes, and access to the revised Policy. The revision takes effect for each affected Shop and Individual User as provided in Section 47 of the Terms. Non-material changes take effect on posting or a specified later date, and the date above will be updated.
This Policy also covers clients and visitors who are not parties to the Terms. KTF will provide them with any notice and obtain any consent that applicable law requires before changing how their information is processed. A Shop's acceptance does not replace an affected individual's required consent. Acknowledging or accepting this Policy is not a substitute for a separate, specific choice where required, including for materially different uses of previously collected information, sensitive information, or marketing. Optional consents remain optional and may be withdrawn through the applicable controls or by contacting KTF. Replacing an earlier policy does not itself authorise processing for which a separate consent is required.