Privacy

PRIVACY POLICY

Please carefully read our privacy policy to understand how we will treat the information you provide while visiting this Web site ("Web site"). This policy may change from time to time. Please check the policy each time you use our Web site for the most current information. This policy only applies to this Merchant Boost Web site; some of Merchant Boost's subsidiaries and affiliates may maintain their own privacy policies. Please refer to those Web sites for further information. This Web site is not intended for children and we do not knowingly collect any information about children.

We also apply this privacy policy in the offline context in those limited cases where we require a consumer to provide his or her Social Security Number in order for the consumer to order an information product by mail or telephone.

Merchant Boost is a leading provider of risk mitigation and payment solutions. We offer clients a comprehensive portfolio of best-in-class products, services and innovative tools to help them make smarter business decisions and empower them with timely, quality information. In order to market our services effectively and with due regard for the interests of consumers, we recognize that we have an obligation to protect the privacy and confidentiality of personally identifiable information (PII) that we may obtain about individuals through this Web site. Safeguarding the privacy of information we receive on this Web site is a top priority for consumers, our customers and Merchant Boost.

How We Collect and Use Information on Our Web Site

We follow the below privacy principles when you visit this Web site. In general, you can visit this Merchant Boost site on the World Wide Web without telling us who you are or revealing any information about yourself. Our Web servers automatically collect the domain names, not the e-mail addresses, of visitors. This information is used to measure the number of visits, average time spent on the site, pages viewed and similar information. Merchant Boost uses this information to measure the use of our Web site and to develop ideas to improve the content of our Web site.

I. Personally-identifiable information

This site only collects personally-identifiable information from you if you choose to provide this information to us. Personally-identifiable information collected with your consent may include name, mailing address, e-mail address, telephone number, date of birth, credit card number, social security number, driver's license number, user name and password, any response you provide to survey questions, information relating to any orders you place, or any inquires you may make through our web site. We also may request this type of information if you place an order by mail or telephone.

II. Cookies

"Cookies" are small pieces of information that are stored by your browser on your computer's hard drive. This site uses first and third party cookies, however personally identifiable information is not collected through the use of cookies. Cookies allow us to store your User ID during your visit to keep track of requests you have ordered or any updates to those reports. Cookies also help us detect potential fraud or misuse of our system.
While most browsers are set to accept cookies by default, you can set yours to refuse cookies or to alert you before accepting them. Your browser manufacturer has information on changing the default setting for your specific browser. However, be aware that if you do not accept cookies from this web site, you will not be able to use some of the features of this site, such as those for ordering reports.

III. Nonpersonally-identifiable information

This site also collects nonpersonally-identifiable information. For example, as you browse this web site we may collect information about your visit, but not about you personally. Via web server logs, for example, we may monitor statistics such as: the number of people that visit our site, which page(s) are visited on our site, from which domain our visitors come (e.g., aol.com, hotmail.com, etc.), and which browsers people use to visit our site (e.g., Google Chrome, Microsoft Internet Explorer, etc.). Our web site may use an outsourcing program to assist us in analyzing this data to better tailor our web site.

POLICY CHANGES

We may revise this online privacy policy from time to time. If we make any material changes, we will notify you by posting a prominent announcement on the web site. If we are going to use your personally identifiable information in a manner different from that stated at the time of collection we will notify you via email if an email address has been provided and is available. You will have a choice as to whether or not we use your information in this different manner.

INFORMATION USE AND CONSUMER CHOICE

The information collected by this web site is used only for responding to your inquiries and otherwise corresponding with you, for processing transactions you request, maintaining your account (if you have one), and for the administration, review and/or the improvement the content of our web sites. We do not share, sell, rent or trade PII with third parties for their promotional purposes.

We may contact you in response to your comments or inquiries, as part of the maintenance of your account with us (if you have one), or in order to complete a transaction that you requested.

We may also contact you to inform you of other products or services we think may be of interest to you, but we always offer you an opportunity to opt not to receive such communications.

If you decide that you do not want to receive further e-mails regarding your inquiry from Merchant Boost, you can reply to the e-mail or visit http://www.merchantboost.com/myemailsubscriptions with a request that we not continue to e-mail you. We do not use outside data sources to enrich marketing data obtained online.

ONWARD TRANSFER

We may disclose information you provide to us to third parties in order to complete a transaction that you requested. If, for example, you pay for a transaction using a credit card, disclosing that information for processing purposes is necessary to complete the transaction. In other cases, it may be necessary to disclose information you provide about yourself or third parties in order to obtain the information product you requested. We may also outsource some tasks, including the operation of some website functions that require access to information you supply online. In such cases, however, we require that the companies acting on our behalf abide by our privacy policy and institute safeguards to protect the confidentiality of your information.

If our company or our assets are acquired by another company, that company will assume responsibility for the personal information collected by us through this Web site and it will assume the rights and obligations regarding the information collected through this Web site, as described in this privacy policy. Finally, please note that we may disclose personal information when required by law or in the good faith belief that such action is necessary in order to conform with the law or to comply with a legal process.

ACCESS AND CORRECTION

As an information company, we know the importance of accurate data. Therefore, we strive to maintain the accuracy of the information collected through this Web site. We will provide you (whether you are a consumer or a customer) with access to personally-identifiable information you provide through this Web site for as long as we maintain that information in a readily accessible format. Similarly, we permit and encourage you to correct inaccuracies in the information you submit to us through this Web site.

If you wish to access information that you have submitted through this web site or to request the correction of any inaccurate information you have submitted through this site, please use the mechanisms provided by the site, or send an e-mail to support@merchantboost.com.

The access and correction provisions of this online privacy policy only apply to personally identifiable information collected from you through this web site. Individuals that are interested in information about how to access and/or request the correction of personal information Merchant Boost maintains about them for potential inclusion in information products and services can support@merchantboost.com .

SECURITY

We take steps to protect against the loss, misuse, or unauthorized alteration of personally-identifiable information collected through this web site and otherwise subject to this policy. We recognize the importance of security for all personally-identifiable information collected by our web site. Once we receive personally-identifiable information, we take steps to protect its security on our systems. In the event we request or transmit sensitive information, such as credit card information or Social Security Numbers through this web site, we use industry standard, secure socket layer (SSL) encryption.

We limit access to personally-identifiable information to those employees who need access in order to carry out their job responsibilities.

When we dispose of personally identifiable information collected through this website, we use procedures to dispose of personal information by means such as shredding documents and erasure of electronic media that information cannot be practicably read or reconstructed.

OTHER WEB SITES

In the online context, this online privacy policy only applies to the Web site(s) identified in the first paragraph of this privacy policy. Our Web site, however, may include links to other Web sites which may be operated by other Merchant Boost companies or by third parties. If you visit a Web site not listed above, we recommend that you review the online privacy policy of that Web site to determine how the operator of that Web site will handle personal information collected through that Web site.

How We Use and Collect Information in Our Various Businesses

Merchant Boost is a consumer reporting agency (CRAs) operating in accordance with the requirements of the Fair Credit Reporting Act (FCRA). FCRA establishes the following principles for all CRAs.

Privacy: Information about you may only be furnished to third parties that have a permissible purpose. In general, these deal with credit, employment, insurance, rental or banking transactions initiated by you, or where the object is to make a firm offer to you. CRAs must qualify their customers to make certain that they have a permissible purpose to receive the information.

Access: Consumers may receive a copy of information the CRA maintains about them. Such reports can be obtained free of charge once per year or for a reasonable fee for additional disclosures. Please visit the applicable subsidiary Web sites to obtain more information.

Accuracy: CRAs must follow reasonable procedures to assure accuracy of the information they maintain and furnish. When you obtain a copy of your information, you have a right to dispute and have the information reinvestigated and corrected in the CRAs database.

Fairness: Information is obtained from various sources including public records sources. However, certain information over a specified time period may not be reported.

Accountability: The Federal Trade Commission is charges with overseeing the operations of CRAs and enforcing FCRA requirements.

Merchant Boost companies subject to FCRA operate within this framework. If you would like to obtain a report about the information we have about you, please call 855-562-6678 or go to http://www.merchantboost.com/free-report-for-consumers.aspx .

For credit reports from the credit bureaus:

https://www.annualcreditreport.com/cra/index.jsp

Privacy Notice: Preparation and Processing of Investigative Consumer Reports

This notice is provided to California residents. Under California law, an "investigative consumer report" is a consumer report containing information on a consumer's character, general reputation, personal characteristics, or mode of living. Merchant Boost compiles investigative consumer reports about individuals and provides them to businesses for background screening and similar purposes.

Personal Information Disclosure: United States or Overseas – In connection with its preparation and processing of investigative consumer reports, Merchant Boost may transfer personal information about you to our authorized service providers and affiliates outside the United States and its territories. Such transfer will be conducted in accordance with all applicable laws and regulations.

To obtain additional information about the privacy practices and policies of Merchant Boost in connection with its preparation and processing of investigative consumer reports, please contact:

Merchant Boost support@merchantboost.com
855-562-6678

For additional information about privacy or consumer reporting, visit the following Web sites:

Fair Credit Reporting Act: http://www.ftc.gov/os/statutes/031224fcra.pdf
Summary of Rights Under FCRA: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre35.pdf
Federal Trade Commission: www.ftc.gov
Consumer Financial Protection Bureau: http://www.consumerfinance.gov/
Consumer Data Industry Association: www.cdiaonline.org California Office of Privacy Protection: www.privacy.ca.gov