Global Merchant Service, LLC Privacy Statement

Global Merchant Service, LLC ("Global Merchant") is committed to safeguarding the privacy and security of the information we collect. This statement explains the policies we follow with respect to the handling of customer information collected by Global Merchant Service, LLC

Commitment to Privacy and Security

Global Merchant, LLC and its operating entities Global Merchant, LLC (collectively, "Global Merchant") are committed to safeguarding the privacy and security of the information we collect. This statement explains the policies we follow with respect to the handling of customer information collected by Global Merchant.


Information We Collect

Global Merchant's customers ("Merchants") are businesses and other legal entities desiring to accept credit or debit cards or other payment methods, as payment for goods or services. Global Merchant does not have direct relationships with, or collect information directly from, individual consumers other than in their capacity as owners or operators of a commercial enterprise. Global Merchant does not provide services for consumer, personal, family or household purposes. The information we receive and collect is strictly related to our business customers and the payment transactions that we assist them in executing, as well as from prospective or potential business customers who may be interested in learning more about our services. The transaction information we receive from our Merchants may include personal financial information about their customers (e.g., credit or debit card account numbers) who may be individual consumers. Global Merchant understands that such information is sensitive and takes appropriate steps to protect the confidentiality and security of all information collected by Global Merchant in accordance with this Privacy Statement.


Use and Disclosure of Information

Use and disclosure of the information collected by Global Merchant varies based on the information source and type, as set forth below:

  • Browsing the Website. When you browse Global Merchant's website, we may collect information regarding the domain and host from which you access the Internet, the Internet Protocol address of the computer or Internet Service Provider you are using, and anonymous site statistical data. In addition, we may collect information that you voluntarily provide us via online forms and questionnaires, including information you may provide about your business in order to apply to become a Merchant, or thereafter if you use any of our online Merchant services. Global Merchant's website is intended for commercial use only, and we collect, retain and use information about visitors to our websites only for specific business purposes, including: (i) to respond to requests for information about our products and services (see "Your Inquiries" below), (ii) to administer the website or improve site performance, (iii) to provide customer support (e.g., to allow a prospective Merchant to complete an online account application, to allow a Merchant to view and manage records, accounts and funds, or to help enhance our products and services); (iii) for security purposes and to combat fraud (e.g., to protect against unauthorized access to Global Merchant systems, or Merchant accounts and information), (iv) to generate broad statistical and demographic information, and (v) to comply with certain laws, regulations, and card association rules and regulations. In addition, when you link to Global Merchant's website from the website of any third-party advertiser, we may receive information about you from such third-party, including your contact information and information stored in "cookies" on such third-party's website. Please check the privacy policy of these websites concerning what information may be collected by the third-party and shared with Global Merchant. Such information is used by us only for the purposes set forth above with respect to information collected directly from you at our own website.
  • Your Inquiries. When you complete and submit a form on our website, send us an e-mail, send us a fax, or contact us by telephone to solicit information about our services or the company in general, Global Merchant may store the inquiries and their contents. Information you submit via an inquiry is collected only with your knowledge and active participation, and may be used by Global Merchant. Global Merchant or its partners that may be of use to you, and for similar business purposes. Information collected during the course of an inquiry will not be disclosed to any third party; provided that such information may be shared internally with our affiliated entities for the business purposes set forth above.
  • Opening an Account or Using Global Merchant. When you submit an application to obtain a Merchant account and become a Merchant, you will be required to provide us with certain information about your business, and its owners and officers, which may also act as guarantors of the Merchant's obligations. Global Merchant may also obtain and store information about the Merchant, and its officers, owners and guarantors, from consumer reporting agencies, credit bureaus, relevant financial institutions, and other entities. Global Merchant may use, retain and disclose this information to (i) comply with any applicable federal legislation requiring Global Merchant to obtain, verify, and record information that identifies each entity with which it establishes a Merchant relationship, (ii) evaluate your eligibility for a Merchant account, which may involve disclosure to consumer reporting agencies, commercial credit bureaus, and relevant financial institutions. Global Merchant may also use your information to contact you about other Global Merchant offerings and services. If you are, or become a Merchant, Global Merchant may disclose your information during the course of providing such services to card associations, banks and other financial institutions that are involved in the course of processing or screening the transaction, and to third parties that have contracted with Global Merchant to perform certain functions of our services on our behalf. In addition, Global Merchant may use, or disclose your information to third parties for the additional purposes of facilitating and completing merchant-initiated or authorized transactions, complying with federal, state and local laws, including credit reporting laws and card association rules, assisting in preventing fraud, or informing you about general company news, product updates and developments, card association rules, and industry trends, offering you products and services that may be of interest to you, or as otherwise may be permitted or required by applicable law.
  • Customers of Our Merchants. If you purchase a product or service from a Merchant using a credit or debit card, or any other method of payment for which we provide the Merchant with transaction processing services, you will likely provide that Merchant with certain personal information which may include, for example, your name and credit card number. Our Merchants may transmit certain of this information ("Order Information"), to Global Merchant for the purpose of processing the transaction. We will use Order Information during the course of providing processing services to such Merchant. During the course of providing processing services to our Merchants, we may disclose Order Information to banks, processors, credit and debit card organizations and associations, and other financial institutions that are involved in the course of effecting the transaction represented by the Order Information. In addition, we may disclose some or all of the information we collect, to our affiliated companies or to non-affiliated third parties (subject to contractual confidentiality provisions to protect such information) such as a vendor or service company that we hire to prepare our Merchants' account statements or to provide support or services for one or more of our products. We will not disclose Order Information to any third party, except to facilitate and complete transactions submitted to us by Merchants, or otherwise in the course of providing services to our Merchants, or to comply with federal, state and local laws or the rules and regulations of the respective card organizations or other payment entities (e.g. Visa, MasterCard, American Express, NACHA, etc.).

In addition, Global Merchant may share information related to its Merchant customers or applicants with its affiliated entities for the purposes allowed by this Privacy Policy.


Protection of Cardholder and Customer Data

Global Merchant has implemented various measures, including appropriate administrative, technical and physical safeguards, designed to ensure the security and confidentiality of cardholder and customer data, protect against anticipated threats or hazards to the security or integrity of such information, and protect against unauthorized access to or use of such information. Such measures may include, among others, encryption, physical access security and other appropriate technologies. Global Merchant continually reviews and enhances its security systems, as necessary. Global Merchant is subject to the detailed rules and regulations of the various credit and debit card organizations and networks (i.e. VISA, MasterCard, American Express, NYCE, Star, etc.), relating to the security and safeguarding of cardholder information, including the Payment Card Industry Data Security Standards ("PCI"), VISA U.S.A.'s Cardholder Information Security Program ("CISP") and MasterCard International's Site Data Protection Program ("SDP"). Global Merchant endeavors to comply with all such rules at all times. Pursuant to such rules and regulations, Global Merchant is required to undergo periodic third-party assessments and periodic network scans to ensure that, among other things, Global Merchant has installed and maintains a firewall configuration to protect data; does not use vendor-supplied defaults for system passwords and other security parameters; protects stored data; encrypts transmission of cardholder data and sensitive information across public networks; uses and regularly updates anti-virus software; develops and maintains secure systems and applications; restricts access to data to those with a business need-to-know; tracks and monitors all access to network resources and cardholder data; regularly tests security systems and processes; assigns a unique ID to each person with computer access; restricts physical access to cardholder data; and maintains a policy that addresses information security. Additional information regarding the requirements of VISA's CISP and Mastercard's Site Data Protection program (SDP) can be found on the VISA USA and MasterCard International Web sites.


Responsibility of Merchants

Merchants are also required to comply with various rules and regulations of the various credit and debit card organizations and networks relating to the security and safeguarding cardholder information, including PCI, CISP and SDP. Merchants may be required to undergo periodic third-party data security assessments and periodic network scans to ensure that appropriate security measures are in place.


Additional Internet Privacy Policies

Cookies. The Global Merchant website may create a small data file, or "cookie", on the hard drive of your computer in order to retain information that is used by our website. Global Merchant uses cookies for a number of purposes, including to:

  • Access your information when you "sign in", so that we can provide you with customized content in online areas such as Global Merchant Online.
  • Display the most appropriate banners to Global Merchant and third party offerings based on your activity while on Global Merchant's site.
  • Conduct research to improve Global Merchant content and services.
  • Require you to re-enter your Global Merchant password after a certain period of time has elapsed to protect you against others accidentally accessing your account contents or otherwise accessing your account contents without authorization.

Third-Party Web Sites. Global Merchant may create links to third-party Web sites. In addition, Global Merchant may authorize third-parties to create links to Global Merchant websites. Global Merchant is not responsible for the content or privacy practices employed by third-party Web sites. Neither does Global Merchant control or warrant the utility, merchantability or workmanship of the products or services offered at third-party Web sites.

Online Advertising. Global Merchant also may use cookies to track advertising leads and campaigns from banner advertisements and third party advertisement services. Global Merchant may hire third party companies such as advertising services to track and report performance of advertising and marketing campaigns to and from Global Merchant and third party web sites. These companies may also set cookies and use related technology, such as tracking pixels.

These tracking pixels (also known as action tags, web beacons, or transparent GIF files) and other similar tracking technologies may be used to collect and store information about user visits, such as the user's anonymous cookie ID, page visits and duration, and the specific ad or link(s) that the user clicked on to visit the site. No personally identifiable information is stored on these cookies or web pixels. This user activity information is reported to us in aggregate and is anonymous. We use this information in aggregate to understand, for example, the effectiveness of our advertising and marketing.

Children. Global Merchant does not solicit or knowingly accept information from persons under the age of eighteen (18). Our web sites are not designed with the intent to attract or encourage viewing by children.


Modifications to Privacy Policy

We continue to review our policies and procedures to assure that they are effective in meeting our commitments to our customers. Global Merchant reserves the right to change this privacy policy without notice at any time and from time to time, including as needed to comply with the rules and regulations of the various debit and credit card organizations, or to comply with applicable local, state and federal laws and regulations.


Inquiries

If you have a question or comment regarding this Privacy Statement, please contact:

Global Merchant Service, LLC
Chief Compliance Officer
219-46 93rd Avenue Suite 4C
Queens Village, NY 11428

(Last modified March 15th, 2008)