Privacy Policy & Data Protection
This Privacy Policy explains how Top Trades USA, LLC (“Top Trades”, “we”, “us”, or “our”) collects, uses, stores, and protects personal information when you use our platform across all 50 U.S. states.
1. Overview & Business Entity
Top Trades USA, LLC is a registered Limited Liability Company under the laws of the State of New Mexico, operating a nationwide platform connecting homeowners and consumers with verified home service contractors.
Legal Name: Top Trades USA, LLC
State of Formation: New Mexico, USA
Jurisdiction: Federal and State Laws of the United States of America
2. Information We Collect
We collect personal information directly from you, automatically through platform usage, and from trusted operational partners.
A. Account & Contact Information
Full name, primary email address, phone number, physical address, business details, professional licensing, and password hashes (bcrypt).
B. Service Requests & Quotes
Job descriptions, service area ZIP codes, geolocation coordinates, appointments, and review media/evidence uploaded by users.
C. Payment Information (PCI-DSS)
We do NOT store credit card details on our servers. All payment processing is directly handled by Stripe, Inc., a certified PCI-DSS Level 1 service provider. We only store customer reference tokens, subscription status, and invoice summaries.
D. Telephony & SMS Consent (TCPA Compliance)
When you provide your phone number, we store explicit TCPA opt-in timestamps, consent state, and IP address. You can revoke SMS consent at any time by replying STOP.
3. How We Use Your Information
- To connect homeowners with relevant, licensed local contractors.
- To send transactional notifications (invoice receipts, quote status, account security alerts).
- To enforce risk scoring, moderation cases, and combat fraud or review manipulation under FTC guidelines.
- To comply with legal obligations (audit logging, tax receipts, law enforcement compliance).
4. Third-Party Data Sharing
We do not sell personal information to third-party data brokers. We only share data with essential service providers necessary for platform operation:
| Provider | Purpose | Data Shared |
|---|---|---|
| Stripe, Inc. | Payment Processing | Customer ID, Billing Address, Payment Intents |
| Transactional SMTP | Email Dispatch | Recipient Email, Name, Transaction Receipts |
| S3 Object Storage | Secure Storage | Uploaded Portfolio Files, Avatars, Review Evidence |
5. Data Retention Policy
Account information is retained as long as your account remains active. Financial transaction records and tax-related invoices are retained for 7 years to satisfy IRS regulations. Security events and audit logs are stored for up to 2 years before automated purging.
6. Your Rights (CCPA / CPRA & State Laws)
If you are a resident of California or states with comprehensive privacy laws (such as Virginia, Colorado, Connecticut, or Texas), you enjoy specific statutory rights:
Right to Know & Access
Request a portable export of all personal data held about your account.
Right to Delete
Request complete erasure of your personal data, subject to legal retention obligations.
You can submit a request directly online by visiting our Privacy Request Center.
7. Security & Safeguards
We implement industry-standard administrative, physical, and technical safeguards including TLS encryption in transit, bcrypt password hashing, Multi-Factor Authentication (MFA), rate limiting, and automated abuse detection.
8. Contact Us Regarding Privacy
For privacy inquiries or compliance requests, contact our Privacy Officer:
Address: Top Trades USA, LLC, 1209 Mountain Road PL NE, Ste N, Albuquerque, NM 87110, USA