SIGNIFYD.COM Privacy Policy

Last updated: March 30, 2017

Welcome to the Website of SIGNIFYD Inc., a Delaware corporation ("SIGNIFYD,"we," or "us"). This privacy policy describes our collection of personal information from users of our Web site at www.signifyd.com (the "Site"), including our SIGNIFYD fraud and abuse prevention service provided through our customer portal on the Site (the "Service"), as well as all related applications, widgets, software, tools, and other services provided by us and on which a link to this policy is displayed (collectively, together with the Site and our Service, our "Services"), as well as our use and disclosure of that information. By using any of our Services, you consent to the collection and use of personal information in accordance with this policy. Unless separately defined in this Privacy Policy, all terms used with initial letters capitalized in this policy have the meanings set forth in our Terms of Use.

Personal Information

"Personal information," as used in this policy, is information that specifically identifies an individual, such as an individual's name, address, telephone number, or e-mail address. Personal information also includes information about an individual's activities, such as information about his or her activity on our Services, and demographic information, such as date of birth, gender, geographic area, and preferences, when any of this information is linked to personal information that identifies that individual.

Personal information does not include "aggregate" or other non-personally identifiable information. Aggregate information is information that we collect about a group or category of products, services, or users that is not personally identifiable or from which individual identities are removed. We may use and disclose aggregate information, and other non-personally identifiable information, for various purposes.

Collection of Information

Passive Information Collection

When you visit our Services, some information is automatically collected, such as your IP address, browser type, system type, the content and pages that you access on our Services, "referring URL" (i.e., the page from which you navigated to the Services), the pages you navigate to on the Services, and from which you leave the Services, as well as the time you spend on the Services.

We collect this information passively using technologies such as standard server logs, cookies, and clear GIFs (also known as "Web beacons"). We use passively-collected information to administer, operate, and improve the Services and our other services and systems, and to provide services and content that are tailored to you. If we link or associate any information gathered through passive means with personal information, we treat the combined information as personal information under this policy. Otherwise, we use information collected by passive means in non-personally identifiable form only.

Also, please be aware that third parties may set cookies on your hard drive or use other means of passively collecting information about your use of their services or content. We do not have access to, or control over, these third-party means of passive data collection.

Collection of Voluntarily Provided Information

We collect personal information that our users provide to us in a variety of ways on our Services. For instance, when you register for a SIGNIFYD account, update your account information on our Services, leave a comment on our blog, or otherwise post or transmit any information or content on or to our Services, request information about any beta testing of Services that we may provide, request help and support regarding any of our Services, or otherwise communicate with us, we collect the personal information that is provided to us. We may collect personal information such as name, e-mail address, city, state, country, other demographic information, and your interests and preferences in these manners.

Information from Other Sources

We may receive information about you, including personal information, from third parties, and may combine this information with other personal information we maintain about you. If we do so, this policy governs any combined information that we maintain in personally identifiable format.

Use of Personal Information

We use personal information to provide services and information that you request; to enhance, improve, operate, and maintain our Services, our programs, services, website, and other systems; to prevent fraudulent use of our Services; to tailor your user experience; to maintain a record of our dealings with you, and for other administrative purposes.

Additionally, as described in our Terms of Use, we will retain and may use for various purposes relating to the prevention of fraud and abuse (including, without limitation, developing new products and services, and augmenting, improving, and maintaining our current Services), all User Data that you provide to us.

We may also use personal information you provide to contact you regarding products, services, and offers that we believe you may find of interest. We allow you to opt-out from receiving marketing communications from us as described in the "Choice" section below.

Disclosure of Personal Information

As described in our Terms of Use, we may disclose all User Data that you provide to us to third parties, provided that we will not disclose any such information to a third party in a way that identifies you or your organization other than as provided below in this "Disclosure of Personal Information" section of this policy.

We also may disclose personal information to third-party service providers (e.g., payment processing and data storage and processing facilities) that assist us in our work. We limit the personal information provided to these service providers to that which is reasonably necessary for them to perform their functions, and we require them to agree to maintain the confidentiality of such personal information.

Additionally, we may disclose personal information if we believe that doing so is legally required or is in our interest to protect our property or other legal rights (including, but not limited to, enforcement of our agreements), or the rights or property of others.

In addition, information about our users, including personal information, may be disclosed as part of any merger, acquisition, debt financing, sale of company assets, or similar transaction, as well as in the event of an insolvency, bankruptcy, or receivership in which personal information could be transferred to third parties as one of our business assets.

Choice

If you receive commercial email from us, you may unsubscribe at any time by following the instructions contained within the email. You may also opt-out from receiving commercial email from us by sending us an email or by writing to us at the address given at the end of this policy.

Additionally, if we offer user account functionality on any of our Services, we may allow you to view and modify settings relating to the nature and frequency of promotional communications that you receive from us.

Please be aware that if you opt-out of receiving commercial e-mail from us, it may take up to ten business days for us to process your opt-out request, and you may receive commercial e-mail from us during that period. Additionally, even after you opt-out from receiving commercial messages from us, you will continue to receive administrative messages from us regarding our Services.

Access

If we offer the ability to create user accounts on our Services, you may have the ability to access and update many categories of personal information that you provide to us by logging into your account and accessing your account settings. If you wish to access or amend any other personal information that you have provided to us, you may contact us at privacy@signifyd.com.

If you request that we delete your user account on any of our Services (via a user settings page, by e-mail, or otherwise), we will do so within a reasonable period of time, but we may need to retain some of your personal information in order to satisfy our legal obligations, or where we reasonably believe that we have a legitimate reason to do so.

Additionally, as described in our Terms of Use, we will retain and may use for various purposes relating to the prevention of fraud and abuse (including, without limitation, developing new products and services, and augmenting, improving, and maintaining our current Services) any and all data and information you provide to us on our Service.

Links

For your convenience, the Services may contain links to other Web sites, products, or services that we do not own or operate. If you choose to visit or use any third-party products or services, please be aware that this policy will not apply to your activities or any information you disclose while using third-party products or services or otherwise interacting with third parties. We encourage you to carefully review the privacy policies applicable to any Web site or service you visit other than our Services before providing any personal information on them.

Children

Children's safety is important to us, and we encourage parents and guardians to take an active interest in the online activities of their children. Our Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under the age of 13 without obtaining parental consent. If we learn that we have collected personal information from a child under the age of 13 on our Services, we will delete that information as quickly as possible. If you believe that we may have collected any such personal information on our Services, please notify us at privacy@signifyd.com.

International Visitors

Our Services are hosted in the United States and are intended generally for United States visitors. If you use the Services from the European Union or other regions with laws governing data collection and use that may differ from U.S. law, please be aware that you are transferring personal information to the United States. The United States does not have the same data protection laws as the EU and some other regions. By providing personal information to us, you consent to the transfer of it to the United States and the use of it in accordance with this policy.

EU-US Privacy Shield

Signifyd, Inc. participates in the EU-US Privacy Shield framework. Click here to learn more.

Conditions of Use, Notices, and Revisions

If an organization chooses to use Signifyd’s Services, details of an individual’s visit to that organization’s site and any dispute over privacy is subject to that organization’s privacy notice, this Notice, and our Terms of Use, including limitations on damages, resolution of disputes, and application of the law of the state of California. If an individual or associated organization has any concern about privacy at Signifyd, please contact us with a thorough description, and we will try to resolve it. Unless stated otherwise, our current Privacy Notice applies to all information that we have about individuals, organizations, and any associated transactions. Signifyd will never materially change our policies and practices to make them less protective of customer information collected in the past without the consent of affected customers.

Related Practices and Information

Examples of Information Collected

Signifyd collects information from our customers for the express purpose of providing the Services as described above and in our Terms of Use.  Signifyd does not sell, share, or use this information for any reason outside of providing these Services.

Collection of Voluntarily Provided Information

We collect personal information that our users provide to us in a variety of ways on our Services. For instance, when you register for a Signifyd account, update your account information on our Services, leave a comment on our blog, or otherwise post or transmit any information or content on or to our Services, request information about any beta testing of Services that we may provide, request help and support regarding any of our Services, or otherwise communicate with us, we collect the personal information that is provided to us. We may collect personal information such as name, e-mail address, city, state, country, other demographic information, and your interests and preferences in these manners.

Passive Information Collection

When you visit our Services, some information is automatically collected, such as your IP address, browser type, system type, the content and pages that you access on our Services, "referring URL" (i.e., the page from which you navigated to the Services), the pages you navigate to on the Services, and from which you leave the Services, as well as the time you spend on the Services.

We collect this information passively using technologies such as standard server logs, cookies, and clear GIFs (also known as "Web beacons"). We use passively-collected information to administer, operate, and improve the Services and our other services and systems, and to provide services and content that are tailored to you. If we link or associate any information gathered through passive means with personal information, we treat the combined information as personal information under this policy. Otherwise, we use information collected by passive means in non-personally identifiable form only.

Also, please be aware that third parties may set cookies on your hard drive or use other means of passively collecting information about your use of their services or content. We do not have access to, or control over, these third-party means of passive data collection.

Information from Other Sources

We may receive information about you, including personal information, from third parties, and may combine this information with other personal information we maintain about you. If we do so, this policy governs any combined information that we maintain in personally identifiable format.

Information You Can Access

Transaction information, including personal information shared with customers of Signifyd during the course of regular business, is accessible to customers of Signifyd programmatically or through the Signifyd user interface.  Access to transactional information for individuals associated with customers of Signifyd is governed by those entities directly.

EU-US Privacy Shield

Signifyd, Inc. participates in the EU-US Privacy Shield Framework regarding the collection, use, and retention of personal information from European Union member countries. We have certified with the Department of Commerce that we adhere to the Privacy Shield Principles. To learn more about the Privacy Shield Principles, click here.

If you have any inquiries or complaints about our handling of your personal data under Privacy Shield, or about our privacy practices generally, please contact us at: privacy@signifyd.com. We will respond to your inquiry promptly. If we are unable to satisfactorily resolve any complaint relating to the Privacy Shield, or if we fail to acknowledge your complaint in a timely fashion, you can submit your complaint to the International Centre for Dispute Resolution (ICDR/AAA), which provides an independent third-party dispute resolution service based in the United States. ICDR/AAA has committed to respond to complaints and to provide appropriate recourse at no cost to you. To learn more about ICDR/AAA’s dispute resolution services or to refer a complaint to ICDR/AAA, visit here. If neither Signifyd nor ICDR/AAA resolves your complaint, you may pursue binding arbitration through the Privacy Shield Panel. To learn more about the Privacy Shield Panel, click here.

As explained here we sometimes provide personal information to third parties to perform services on our behalf. If we transfer personal information received under the Privacy Shield to a third party, the third party's access, use, and disclosure of the personal data must also be in compliance with our Privacy Shield obligations, and we will remain liable under the Privacy Shield for any failure to do so by the third party unless we prove we are not responsible for the event giving rise to the damage.

You can review our Privacy Shield registration here. Signifyd, Inc. is subject to the investigatory and enforcement powers of the Federal Trade Commission (FTC). We may be required to disclose personal information that we handle under the Privacy Shield in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

Security

We use reasonable security measures that are designed to protect personal information in our control from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. Please note, however, that no data security measures can be guaranteed to be completely effective. Consequently, we cannot ensure or warrant the security of any personal information or other information or that it will not be accessed, viewed, or acquired by unauthorized persons. You transmit information to us at your own risk.

Updates to this Policy

We may occasionally update this policy. When we do, we will also revise the "last updated" date at the beginning of the policy. Your continued use of our Services after such changes will be subject to the then-current policy. If we change this policy in a manner that is materially less restrictive of our use or disclosure of your personal information, we will use reasonable efforts to notify you of the change and to obtain your consent prior to applying the change to any personal information that we collected from you prior to the date the change becomes effective. We encourage you to periodically review this policy to stay informed about how we collect, use, and disclose personal information.

Contacting Us

If you have any questions, comments, or concerns about this privacy policy, please contact us using the following contact information:

SIGNIFYD Inc.
Attn: SIGNIFYD.com Privacy Issues
2590 North First Street, Suite 300
San Jose, CA 95131
privacy@signifyd.com

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Signifyd’s Reimbursement Policy

What’s Covered

We cover chargebacks connected with fraud or unauthorized charges, often due to:

  • Stolen account information (account takeover)

  • Stolen financial information

What’s Not Covered

We do not cover chargebacks due to errors made by the merchant, card processor, or shipper, like:

  • Item not received, not as described, or defective/broken

  • Refund not processed

  • Duplicate charges

As long as the chargeback meets the above criteria, we'll cover it and reimburse the full chargeback amount, plus any associated fees.

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