"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.
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.
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 transit 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.
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.
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.
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.
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.
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.
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 in to 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 firstname.lastname@example.org
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.
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'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 email@example.com.
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.
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.
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.
Attn: SIGNIFYD.com Privacy Issues
2590 North First Street, Suite 300
San Jose, CA 95131
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We cover chargebacks connected with fraud or unauthorized charges, often due to:
Stolen account information (account takeover)
Stolen financial information
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
As long as the chargeback meets the above criteria, we'll cover it and reimburse the full chargeback amount, plus any associated fees.