Privacy Policy

PRIVACY POLICY

Process payments through our secure, web-based terminal options.

 

POLICY 

Risk Free Merchant / CBD Merchant Account. ("we", "us" or "our""), 2010 - All rights reserved. American Express may require separate approval. Apple Pay is currently available only in the United States. iPhone and iPad are registered trademarks of Apple Inc. Android is a trademark of Google Inc. All Shopping Carts, e-commerce Gateways are registered trademarks of each specific company and does not endorse Risk Free Merchant in any way whatsoever. The utilization, logos and brand names utilize within this website are done so for informational use only. All logos, tradenames of each shopping cart and gateway or widely available to the public. The sole purpose and utilization of each solely owned and trademarked gateway and shopping cart or for the Merchant’s benefit of educating the various shopping carts and gateways Risk Free Merchant accommodates and integrates including any of Risk Free Merchants payment service providers, third-party partners and other financial payment processing companies . We value our relationship and your trust. The following privacy policy (as may be amended as stated below, the “Privacy Policy”) explains how we collect and manage your personal, company and financial information, as well as how we care for your privacy and protect your information. This Privacy Policy applies to merchants (“Merchants”) that use card processing services and programs, and other services and programs, including, but not limited to gift, loyalty, offers engine, marketing and customer relationship management services and programs; portal and front end technology platforms; compliance services and programs; and business accounting, cash register and inventory services and programs (collectively, the “Services”) through Risk Free Merchant / CBD Merchant Account, as well as their customers (“Customers”, and collectively with Merchants, “you” or “your”) that benefit from any of the Services. A more detailed explanation of the Services can be found at Risk Free Merchant / CBD Merchant Account. Risk Free Merchant / CBD Merchant Account reserves the right to modify this Privacy Policy at any time, so please review it on a regular basis. Any changes made to this Privacy Policy will be posted here. The date stamp at the top of the page represents the last day this Privacy Policy was updated. If you have questions about this Privacy Policy, you can contact us at contact@riskfreemerchant.comBy using or accessing the Services, you will be deemed to have agreed to and accepted this Privacy Policy. 

 

 
INFORMATION COLLECTION

 

TYPES OF INFORMATION 

The following types of information about you are collected by us: 

  • Information about a Merchant’s business, including its taxpayer identification number and certain other identifiable information (such as its financial history, when applicable); 

  • Certain personally identifiable information of the owner of a Merchant, including the owner’s name, address, social security number, and email address. This information may be necessary to process the Merchant’s application and to contact the owner; 

  • Your name, including user name or screen name and password; 

  • Postal and/or e-mail address; 

  • Mobile, home, fax and/or business telephone (including toll-free) number, service provider name, and the date, time and content of your message; 

  • IP Address, and other technical information collected by the servers utilized by us or our vendors; 

  • Credit/debit card and other billing information, including cardholder transaction data, card numbers, and expiration dates; 

  • Information regarding the use of the Services, including but not limited to the redemption of gift and loyalty offers; and 

  • Other information provided by you to us in any way. 

  • The Services are not intended for anyone under the age of 18, nor do we knowingly collect or retain information in connection with the Services from children under the age of 13. 

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HOW INFORMATION IS COLLECTED 

  • Through registration, or electronic forms filled out, by you on Risk Free Merchant / CBD Merchant Account website or a Risk Free Merchant / CBD Merchant Account-hosted website; 

  • Through paper forms filled out by you; 

  • Through SMS (Short Message Service) messages sent via your cell phone, or through e-mail and other communications by you; 

  • Through telephone calls made by you to us, or vice versa; 

  • Through surveys and prize promotion entries; 

  • Through referring websites or third parties, such as by Merchants regarding Customers; 

  • Through the maintenance and analysis of Web server logs; and 

  • Via “cookies” (small text files placed on a computer), single pixel GIF image files (also called “Web beacons”), Web server log analysis and other similar technological means. 

We require both personal social security number of the owner of a Merchant and the Merchant’s federal taxpayer ID to provide the Merchant with a merchant account. When the Merchant enters its owner’s social security number and its federal taxpayer ID on our registration application form, we encrypt it using secure socket layer technology (SSL). We may use the Merchant’s and/or its owner’s name and social security number to request a credit report and to obtain a background report on the Merchant and its business, and on its owner. We take a number of security measures, such as encryption, to protect the privacy of information about the Merchant and its owner. 

 

 
INFORMATION USE AND SHARING 

Except as specifically provided in this Privacy Policy, we will never share, sell, or rent any information we collect from you, but may sell or share aggregate, non-personal information with third parties for any legally permissible purpose. We will share information with each Merchant regarding that Merchant’s Customers. We will, in some cases, have third parties assist us in providing the Services, and those third parties will have access to certain of the personally identifiable information provided by you (for example, financial institutions, credit card associations, member banks, network organizations, and vendors). We may also use information collected, including personal information, and may share such information with third parties in the following ways: 

  • To market, operate, monitor and deliver the Services, such as processing transactions and requests, providing and sending instructions and messages, measuring interest in the Services, customizing content, and contacting you; 

  • To enable you to enter promotions and receive prizes from us and/or third parties; 

  • To improve or tailor the user experience with regard to the Services; 

  • To provide information and offers regarding the Services, as well as other products and services offered by or through us or selected third parties; 

  • To prevent fraud or for legal compliance or public purpose, and/or to release information to the relevant authority in the event of a breach by you of any of our terms of use, or if we are under a legal obligation to disclose such information; and 

  • To provide, sell, or transfer information to a company that acquires, is acquired by or is merged with us. 

  • To identify you. 

We may advertise the Services using a third party vendor, and these vendors may utilize cookies or other technological means within the advertising to collect and utilize non-personal information. We are not responsible for information collected by any such third parties, nor for the collection or use of information by other websites to which the Services are linked. Vendors maintain their own independent privacy policies that may or may not be consistent with this Privacy Policy. You are encouraged to review the privacy policies of such vendors. 

 

 
COMMUNICATIONS 

Based upon the personally identifiable information that you provide us, we may send you a welcoming email. We will also communicate with you in response to your inquiries, to provide the Services you request, and to manage your account. 

We store information that we collect through cookies, log files, and clear gifs to create a “profile” of your preferences. We do not share your profile with other third parties. 

 

 
CHOICE/OPT-OUT

 

CHOICES RE YOUR INFORMATION 

If you have voluntarily provided personally identifiable information, we may, from time to time, send you mail or e-mail regarding the Services. We provide you the opportunity to unsubscribe from having your information used for certain purposes. If you no longer wish to receive promotional communications or our newsletter, you can unsubscribe to these types of communications by following the instructions included in each communication or by notifying us by email to: contact@riskfreemerchant.com or by written correspondence sent to: 648 Lindero Canyon Road  Suite 383  Oak Park CA. 91377

 

 
YOUR CALIFORNIA PRIVACY RIGHTS 

California Civil Code Section 1798.83 permits California residents to request certain information regarding our disclosure of such residents’ personal information to third parties for such third parties’ direct marketing purposes. To make such a request, please e-mail us at: contact@riskfreemerchant.com 

 


SECURITY 

We take every reasonable precaution to protect the confidentiality and security of your personal information by using industry recognized security safeguards such as site monitoring, secured networks and servers, firewalls, and encryption. When we ask for sensitive information, we protect it through the use of encryption during transmission, such as SSL (Secure Socket Layer). We regularly test and update our technology to enhance security. No method of transmission over the internet is 100% secure, however. Therefore, while we strive to protect your personal information within industry standards, we cannot guarantee its absolute security. 

Our employees are trained and required to safeguard your information. Our strict internal controls limit access to information based on job functionality. 

 

 
PROTECTION OF CARDHOLDER AND CUSTOMER DATA 

We are subject to the rules and regulations of credit and debit card associations and networks, such as VISA, MasterCard, Discover, Accel, NYCE, and Interlink. We are also compliant in regards to the security and safeguarding of cardholder information with “PCI DSS” (Payment Card Industry Data Security Standards), and “CISP” (Cardholder Information Security Program). We comply with all related rules and regulations at all times. We undergo periodic third-party assessments and network scans to ensure that we have installed and maintained a firewall configuration to protect data; encrypt transmission of cardholder data and sensitive information across networks; restrict access of data to those that need to know; track and monitor all access to network resources and cardholder data; regularly test security systems and processes; assign a unique ID to each person with computer access; restrict physical access to cardholder data; and maintain a policy that addresses information security 

 

 
USE OF WEB TECHNOLOGIES

 

COOKIES 

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We may link the information we store in cookies to personally identifiable information you submit while on our site. We use both session ID cookies and persistent cookies. A session ID cookie expires when a browser is closed. A persistent cookie remains on your hard drive for an extended period of time. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. You can remove the persistent cookies by following the directions provided in your internet browser’s “help” file. If you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited. 

 

 
LOG FILES 

As is true of most websites, we gather information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole. 

 

 
DO NOT TRACK 

When you use one or more of our websites, we may receive “do not track” requests from you, whether via signals from Web browsers or other mechanisms. At this time, we do not respond to such “do not track” requests, although we may choose to do so in the future. 

 
 

 
BUSINESS TRANSITIONS 

In the event that we go through a business transition, such as a merger, acquisition, or sales, your personal information will likely be among the assets transferred. You may not be notified of any such change in ownership or control of your personal information, although we will require that the acquirer agree to honor this Privacy Policy, as modified. 

 

 
CONTACT US 

If you have any questions or suggestions regarding this Privacy Policy, please contact us as follows: 
By phone: 
+1 (855) 400-7475 
By email: 
contact@riskfreemerchant.com 

Risk Free Merchant ® 2010