Legal & Compliance

Transparency and compliance are at the heart of everything we do.

Service Description

Business Health Check provides comprehensive operational intelligence and business health diagnostics infrastructure. We operate as an analytical overlay that helps businesses and their advisors identify optimization opportunities, revenue leakage, and compliance gaps.

Business Health Check does not process payments or transactions directly. All payment processing remains with your existing providers. We provide intelligence, analysis, and recommendations only.

Privacy Policy

We take data security and privacy seriously. Our analytical processes are designed with privacy by default:

All data transmitted via TLS encryption
Aggregated, anonymized data analysis where possible
No storage of sensitive payment credentials
Data deleted after analysis unless otherwise agreed
Read-only access to connected systems
Compliance with GDPR and applicable data protection regulations

We do not sell, share, or distribute your data to third parties. All recommendations are based on pattern analysis and industry benchmarks.

Regulatory Framework

Our compliance analysis considers requirements across multiple jurisdictions including:

Payment Services Directives (PSD2) in the European Union
FinCEN regulations in the United States
Anti-Money Laundering (AML) requirements
Know Your Customer (KYC) standards
PCI-DSS compliance frameworks

Note: Business Health Check provides compliance analysis and recommendations. Implementation of compliance measures remains the responsibility of each business.

Terms of Service

By engaging Business Health Check services, you acknowledge and agree to the following:

Our analysis provides recommendations, not guarantees of specific outcomes
Cost recovery estimates are projections based on industry data and may vary
Implementation of recommendations is at your discretion and responsibility
Business Health Check does not provide legal, tax, or financial advice
Services are provided "as is" without warranty of any kind
You are responsible for ensuring your use complies with applicable laws

Full terms of service are provided upon engagement. For questions, contact us at info@bapt-pay.com.

Disclaimers

Results vary based on transaction volume, business complexity, and current infrastructure
Modeled scenarios are illustrative and based on industry data
Past performance indicators do not guarantee future results
All statistics represent industry averages and may not apply to specific situations
Business Health Check is not responsible for decisions made based on our recommendations