Eye4Fraud Inc. (“Eye4Fraud,” “we”, “our” or “us”) provides fraud protection for e-commerce merchants. Eye4Fraud cares about the security and privacy of the personal data that is entrusted to us. This policy describes the Personal Data that we collect, how we use and share it, your rights and choices, and how you can contact us about this policy.

We may collect and use personal data when we do business with you or when you do business with those that use our services. Some of our services may be accessed directly by you, including through our websites that reference this policy (e.g. Eye4Fraud.com) (collectively “Sites”). Many of our services are provided to others in connection with their own business and activities, and you may engage with Eye4Fraud services as part of another’s service, such as when you attempt to make a purchase through a merchant and we provide fraud-prevention services to that merchant (collectively, we refer to Sites and direct and indirect services as “Services”). This policy applies to Eye4Fraud’s own Services. Websites, products and services of third-parties and some affiliates of Eye4Fraud are subject to their own separate privacy policies. This Privacy Policy includes important information about your Personal Data and we encourage you to read it carefully.

When you use our Sites, we use cookies. If you want more information on how we process Personal Data via cookies, you are kindly referred to our Cookie Policy.

Eye4Fraud obtains Personal Data about you from various sources. “You” may be a visitor to one of our Sites (“Visitor”), a user of one or more of our Services (“User” or “Eye4Fraud User”), or a direct or indirect customer of a User (“Customer”). If you are a Customer, your agreement with the relevant Eye4Fraud User may explain how the Eye4Fraud User shares your Personal Data with Eye4Fraud. If you have questions about this sharing, then you should direct those questions to the Eye4Fraud User.

a. Personal Data that we collect about you

Personal Data is any information that relates to an identified or identifiable individual, and can include information about how you engage with our Services (e.g. device information, IP Address). In many cases, the Personal Data that you provide directly to us through our Services will be apparent from the context in which you provide the data:

• When you register for a Eye4Fraud account on our Site we collect your full name, email address, and account log-in credentials.
• When you fill-in our online form to contact our sales team, we ask for your name, contact information, country, and other information about your interest in our Services.
• When you authorize us to store information about you in connection with an Eye4Fraud account, we collect your name and contact information and information about your stored payment methods (e.g. payment card number, CVC code and expiration date).
• When you respond to Eye4Fraud emails or surveys, we collect your email address, name and any other information you choose to include in the body of your email or responses. If you contact us by phone, we will collect the phone number you use to call Eye4Fraud, as well as other information you may provide during the call. If you are a Eye4Fraud User or Customer, when you contact us, we may collect additional information in order to verify your identity.
• If you are a Eye4Fraud User, you will provide your contact details, such as name, postal address, telephone number, and email address. As part of your business relationship with us, we may also collect financial and personal information about you, such as your date of birth and government identifiers associated with you and your organization (such as your social security number, tax number, or Employer Identification Number). You may also choose to provide bank account information.
• If you are a Customer, when you make payments to, or transact with a User through Eye4Fraud’s Services, we will receive your transaction information. If you are transacting with a User, depending on how they integrated our Services, we may receive this information directly from you, from the Eye4Fraud User or third parties. The information that we collect will include payment method information (such as credit or debit card number, or bank account information), purchase amount, date of purchase, and in some cases, some information about your purchases. Different payment methods may require the collection of different categories of information. The payment method information that we collect will depend upon the payment method that you choose to use from the list of available payment methods that are offered to you at the time of check-out. We may also receive your name, email, billing or shipping address and in some cases, your transaction history to authenticate you.

In connection with fraud monitoring, prevention, detection, and compliance activities for Eye4Fraud and its Users, we receive identity related from the following sources:

• From Customers (including through their devices (e.g. IP Addresses)) related to Customers.
• From Users about themselves and their Customers, including as collected through our Services.
• From our business partners, financial service providers, identity verification services, and publicly available sources.

This Personal Data (e.g., name, address, phone number, country) helps us to confirm identities and prevent fraud. We may also use technology to assess the fraud risk associated with an attempted transaction by a Customer with a Eye4Fraud User.

You may also choose to submit information to us via other methods, including: (i) in response to marketing or other communications, (ii) through v social media or online forums, (iii) through participation in an offer, program or promotion, (iv) in connection with an actual or potential business relationship with us, or (v) by giving us your business card or contact details in connection with trade shows or other events.

b. Information that we collect automatically on our Sites and through marketing of our products

Our Sites use cookies and other technologies. These technologies record information about you, including:

• Browser and device data, such as IP Address, device type, operating system and Internet browser type, screen resolution, operating system name and version, device manufacturer and model, language, plug-ins, add-ons and the language version of the Sites you are visiting.
• Usage data, such as time spent on the Sites, pages visited, links clicked, language preferences, and the pages that led or referred you to our Sites.
• Online activities. We collect information about your online activities on websites and connected devices over time and across third-party websites, devices, apps and other online services.
• We collect information when you engage with our marketing messages and when you click on links included in ads for our products.

We rely upon a number of legal grounds to enable our use of your Personal Data. We use Personal Data to facilitate the business relationships we have with our Users, to comply with our financial regulatory and other legal obligations, and to pursue our legitimate business interests. We use Personal Data for the purpose of entering into business relationships with prospective Eye4Fraud Users, and to perform the contractual obligations under the contracts that we have with Eye4Fraud Users. Activities include:

• Creation and management of Eye4Fraud accounts and Eye4Fraud account credentials, including the evaluation of applications to commence or expand the use of our Services;
• Accounting, auditing, and billing activities; and
• Assisting our User in the processing of payments, including fraud detection and prevention, optimizing valid transactions, communications regarding such payments, and related customer service.

Legal compliance

We use Personal Data to verify the identity of our Users in order to comply with fraud monitoring, prevention and detection obligations, laws associated with the identification and reporting of illegal and illicit activity, and financial reporting obligations.

Legitimate business interests

Where allowed under applicable law, we rely on our legitimate business interests to process Personal Data about you. When we do so, we balance our legitimate interests against the interests and rights of the individuals whose Personal Data we process. The following list sets out the business purposes that we have identified as legitimate:

• Detect, monitor and prevent fraud and unauthorized payment transactions;
• Mitigate financial loss, claims, liabilities or other harm to Customers, Users and Eye4Fraud;
• Respond to inquiries, send Service notices and provide customer support;
• Manage, operate and improve the performance of our Sites and Services by understanding their effectiveness and optimizing our digital assets;
• Analyze and advertise our Services;
• Enable network and information security throughout Eye4Fraud and our Services; and
• Share Personal Data among our affiliates for administrative purposes.

Payment transactions and related services

We use Personal Data of Customers to provide our Services to Users, including to authenticate payment transactions and Customers on behalf of our Users. All such use is pursuant to the terms of our business relationships with our Users. We also use Personal Data to detect and prevent fraud. In providing such services, we may provide Users who have requested such services Personal Data from a Customer to assess the fraud risk associated with an attempted transaction by their Customer.

b. Marketing and events-related communications

We may send you email marketing communications about Eye4Fraud products and services, invite you to participate in our events or surveys, or otherwise communicate with you for marketing purposes, provided that we do so in accordance with applicable law, including any consent requirements. For example, when you submit your contact information to us or when we collect your business contact details through our participation at trade shows or other events, we may use the information to follow-up with you regarding an event, send you information that you have requested on our products and services and, with your permission, include you on our marketing information campaigns.

c. Advertising

When you visit our Sites, we (and our service providers) may use Personal Data collected from you and your device to target advertisements for Eye4Fraud Services to you on our Sites and other sites you visit (“interest- based advertising”), where allowed by applicable law, including any consent requirements. For example, when you visit our Site, we will use cookies to identify your device and direct ads for our Services to you. You have choices and control over our cookies (or similar technologies) we use to advertise to you. We do not use, share, rent or sell the Personal Data of our Users’ Customers for interest-based advertising. We do not sell or rent the Personal Data of our Users, their Customers or our Site Visitors.