Privacy Policy

Last updated October 28, 2026 · Belmont Labs Inc.

This policy explains what Belmont Labs Inc. ("Belmont Labs", "we") collects when you use the Pawnace apps and pawnace.com, why, who sees it, and the choices you have. It is written for pet parents and for clinic staff.

1. Who this covers

Pet parents who use the Pawnace app; staff and owners of clinics who use the Pawnace clinic app; and visitors to pawnace.com. Belmont Labs Inc., 27308 NE 46th Street, Camas, Washington 98607, is the controller of this information.

2. What we collect

Information	Where it comes from
Account: name, email, mobile number, password (hashed), whether Face ID or Touch ID is turned on	You, when you register and in Settings
Pets: name, species, breed, photo, and any insurance card or vaccination record you choose to add	You
Bills and payments: the clinic, line items, amounts, tax, Pawnace's fee, the six-digit code, payment method type and last four digits, status, timestamps	The clinic (bill) and Stripe (payment status). Full card numbers go directly to Stripe and never touch our servers.
Pay over time: whether you applied, whether a plan was approved, the amount, and the Stripe reference. Not your rate, term, credit report or Social Security number: those stay with Sunbit.	Stripe and Sunbit
Clinic: business name, address, phone, licence details, owner and staff names and emails, Stripe account identifiers and payout status	The clinic, and Stripe during onboarding
Support: what you send us by email, the contact form or in the app	You
PAWS assistant: the questions you type to PAWS and the answers given	You. PAWS is given the context of your bill so it can answer; it is not given card numbers or your credit information.
Device and usage: device model, iOS version, app version, push token, IP address, approximate location from the IP, sign-in and error logs	Your device, automatically
Camera and photos only when you take or choose a photo; Face ID only as a yes/no from iOS. We never receive your face data.	Your device, with your permission. See App permissions.

3. How we use it

• To create your account and sign you in, including sending verification and reset codes by email or text.
• To deliver bills by text, show them in the app, take payment, generate and verify codes, and pay the clinic.
• To offer and hand off a pay-over-time application to Sunbit when you ask for it, and to record the result.
• To hold, release, capture, refund or cancel payments, including the automatic cancellation of unredeemed plans after 24 hours.
• To answer your support requests and your questions to PAWS.
• To send transactional messages: bill received, code, payment confirmed, refund issued. We do not send marketing texts.
• To prevent fraud, enforce our Terms, keep the service secure, and meet legal, tax and payment-network obligations.
• To understand how the apps are used, in aggregate, so we can fix problems and improve them.

We do not sell personal information, do not share it with data brokers, and do not use it for third-party advertising.

4. Who we share it with

• The clinic that sent your bill sees your name, mobile number, pet details for that visit, and the payment status and code confirmation. It does not see your card or your Sunbit terms.
• Stripe, Inc. processes card payments, holds, refunds and clinic payouts. Stripe receives your card details directly and the bill amount. Stripe's privacy policy.
• Sunbit (Sunbit Now, LLC and TAB Bank) receives your application when you choose to pay over time; see Section 5.
• Service providers that run our infrastructure: cloud hosting, email and text-message delivery, error logging and the language-model service behind PAWS. They may process data only for us and under contract.
• Apple, for push notifications and app distribution, under Apple's policies.
• Authorities and others when the law requires it, to protect people or property, or to enforce our Terms; and a successor if Belmont Labs or Pawnace is sold or merged, under this policy.

5. Paying over time

If you choose to pay over time, you leave Pawnace and apply on Sunbit's pages, where Sunbit collects what it needs to make a decision, which may include your name, date of birth, address, the last four digits of your Social Security number, income information and a consumer report (soft inquiry). That information goes to Sunbit, not to us. Sunbit's use of it is governed by Sunbit's privacy policy at sunbit.com and the lender's agreement with you. Pawnace receives only whether the plan was approved and the amount, so it can show your code and pay the clinic.

6. How long we keep it

Account and pet information: while your account is open, then deleted within 30 days of your deletion request, except as below. Bill and payment records: 7 years, because tax, card-network and lending rules require it; these records are limited to the transaction and are no longer tied to a live account. Support messages: 2 years. Logs: 90 days. PAWS conversations: 30 days. If a dispute, chargeback or legal hold is open, the related records are kept until it closes.

7. Security

Data travels over TLS. Passwords are stored as salted hashes. Card numbers are tokenized by Stripe and never stored by us. Access to production systems is limited to the people who run them, with two-factor sign-in. No system is perfectly secure; if a breach affects you, we will tell you and the authorities as the law requires.

8. Your choices

• See and change your account and pet information in Settings.
• Delete your account in Settings or by email; see Delete your account.
• Permissions: camera, photos, Face ID and notifications can each be turned off in iOS Settings; see App permissions.
• Texts: bill texts are transactional and come from the clinic's request; reply STOP to stop them, which also means the clinic cannot send you bills through Pawnace.
• Request a copy of the personal information we hold about you, or ask us to correct it, by emailing support@towfiapp.com. We will verify that it is you and answer within 45 days.

9. California and other state rights

If you live in California, Colorado, Connecticut, Oregon, Texas, Virginia, Washington or another state with a consumer privacy law, you have the right to know what personal information we collect, use and share; to get a copy of it; to correct it; to delete it; and to not be discriminated against for using those rights. We do not sell or share personal information for cross-context behavioral advertising, so there is nothing to opt out of; we also do not use sensitive personal information for anything beyond providing the service. To make a request, email support@towfiapp.com with the subject "Privacy request". You can use an authorized agent; we will ask the agent for proof of your permission. If we deny a request you can appeal by replying to our answer. Categories collected in the last 12 months are those in Section 2, from the sources listed there, for the purposes in Section 3, shared with the parties in Section 4.

Washington's My Health My Data Act: Pawnace collects information about your pet's health only, not yours, and does not use geofencing.

10. Children

Pawnace is for adults. We do not knowingly collect information from anyone under 18. If you believe a child has created an account, email us and we will delete it.

11. Website and cookies

pawnace.com sets one strictly necessary cookie to remember your cookie choice. Optional cookies are off until you turn them on. Fonts on the site are loaded from Google Fonts, which receives your IP address when the page loads. The contact form sends your name, email and message to our server, which emails them to support@towfiapp.com; nothing from the form is stored in your browser. Details are in the Cookie Policy.

12. Changes

When this policy changes we will post the new version here with a new date and, for material changes, tell you in the app or by email.

13. Contact

Belmont Labs Inc.
27308 NE 46th Street, Camas, Washington 98607
support@towfiapp.com