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.
a. Our Services

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.

Eye4Fraud does not sell or rent Personal Data to marketers or unaffiliated third parties. We share your Personal Data with trusted entities, as outlined below

a. Service providers

We share Personal Data with certain of our service providers subject to contract terms that limit their use of Personal Data. We have service providers that provide services on our behalf, such as identity verification services, website hosting, data analysis, marketing service, information technology and related infrastructure, customer service, email delivery, and auditing services. These service providers may need to access Personal Data to perform their services. We authorize such service providers to use or disclose the Personal Data only to perform services on our behalf or comply with legal requirements. We require such service providers to contractually commit to protect the security and confidentiality of Personal Data they process on our behalf. Our service providers are predominantly located in the European Union and the United States of America.

b. Business partners

We share Personal Data with third party business partners in connection with our Services to our Users, such as partners with whom we conduct certain scientific and/or statistical studies (in this case, only aggregated personal data will be processed).

c. Our Users and third parties authorized by our Users

We share Personal Data with Users to maintain a User account and provide the Services and third party services. We share data with parties directly authorized by a User to receive Personal Data. This includes sharing Personal Data of Customers with Users to assess the fraud risk associated with attempted transactions by Customers. The use of Personal Data by an authorized third party is subject to the third party’s privacy policy.

d. Corporate matters

We share Personal Data with third parties with whom we negotiate in the context of mergers, takeovers or similar operations.

You may have choices regarding our collection, use and disclosure of your Personal Data:

a. Opting out of receiving electronic communications from us

If you no longer want to receive marketing-related emails from us, you may opt-out via the unsubscribe link included in such emails. We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt-out of receiving marketing-related emails from us, we may still send you other messages in connection with providing our Services.

b. How you can see or change your account Personal Data

If you would like to review, correct, or update Personal Data that you have previously disclosed to us, you may do so by signing in to your Eye4Fraud account or by contacting us.

b. Your data protection rights

Depending on your location and subject to applicable law, you may have the following rights with regard to the Personal Data we control about you:

  • The right to request confirmation of whether Eye4Fraud processes Personal Data relating to you, and if so, to request a copy of that Personal Data;
  • The right to request that Eye4Fraud rectifies or updates your Personal Data that is inaccurate, incomplete or outdated;
  • The right to request that Eye4Fraud erase your Personal Data in certain circumstances provided by law;
  • The right to request that Eye4Fraud restrict the use of your Personal Data in certain circumstances, such as while Eye4Fraud considers another request that you have submitted (including a request that Eye4Fraud make an update to your Personal Data);
  • The right to request that we export your Personal Data that we hold to another company, where technically feasible;
  • Where the processing of your Personal Data is based on your previously given consent, you have the right to withdraw your consent at any time; and/or
  • In some cases, you may also have the right to object to the processing of your Personal Data.
  • California Civil Code Section § 1798.83 permits Users that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us.

d. Process for exercising data protection rights

We will comply with your request to the extent required by applicable law. We will not be able to respond to a request if we no longer hold your Personal Data. If you feel that you have not received a satisfactory response from us, you may have the right under applicable laws to consult with the data protection authority in your country.

For your protection, we may need to verify your identity before responding to your request, such as verifying that the email address from which you send the request matches your email address that we have on file. If we no longer need to process Personal Data about you in order to provide our Services or our Sites, we will not maintain, acquire or process additional information in order to identify you for the purpose of responding to your request.

If you are a Customer of a Eye4Fraud User, please direct your requests directly to the User. For example, if you are making, or have made, a purchase from a merchant using Eye4Fraud’s Services, and you have a request that is related to the payment information that you provided as part of the purchase transaction, then you should address your request directly to the merchant.

We make reasonable efforts to provide a level of security appropriate to the risk associated with the processing of Personal Data. We maintain organizational, technical and administrative measures designed to protect Personal Data covered by this Privacy Policy against unauthorized access, destruction, loss, alteration or misuse. Your Personal Data is only accessed by a limited number of personnel who need access to the information to perform their duties. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (e.g., you feel that the security of your account has been compromised), please contact us immediately.

We retain your Personal Data as long as we are providing the Services to you or our Users (as applicable). Even after we stop providing Services directly or indirectly to you, and even if you close your Eye4Fraud account or complete a transaction with a Eye4Fraud User, we keep your Personal Data in order to comply with our legal and regulatory obligations. We may also keep it to assist with our fraud monitoring, detection and prevention activities. We also keep Personal Data to comply with our tax, accounting, and financial reporting obligations, where we are required to retain the data by our contractual commitments to our financial partners, and where data retention is mandated by the payment methods you used. In all cases where we keep data, we do so in accordance with any limitation periods and records retention obligations that are imposed by applicable law.

We are a global business. Personal Data may be stored and processed in any country where we do business or our service providers do business. We may transfer your Personal Data to countries other than your own country, including to the United States and countries in the European Economic Area (“EEA”). These countries may have data protection rules that are different from your country. When transferring data across borders, we take measures to comply with applicable data protection laws related to such transfer. Officials (such as law enforcement or security authorities) in those other countries may be entitled to access your Personal Data.

If you are located in the EEA, the UK or Switzerland, we comply with applicable laws to provide an adequate level of data protection for the transfer of your Personal Data to the US. Where applicable law requires that a data transfer legal mechanism, we use one or more of the following: EU Standard Contractual Clauses with a data recipient outside the EEA or the UK, verification that the recipient has implemented Binding Corporate Rules, or other legal method available to us under applicable law.

While Eye4Fraud Inc. remains self-certified under the E.U.-U.S. Privacy Shield and the Swiss-U.S. Privacy Shield, it is not currently relying on these frameworks for the transfer of personal data to the U.S.

The Services are not directed to minors, including children under the age of 13, and we request that they not provide Personal Data through the Services. In some countries, we may impose higher age limits as required by applicable law. We do not sell any Personal Data of Customers, Visitors or Users, including those aged between 13 to 16.

We may change this Privacy Policy from time to time to reflect new services, changes in our Personal Data practices or relevant laws. The “Last updated” legend at the top of this Privacy Policy indicates when this Privacy Policy was last revised. Any changes are effective when we post the revised Privacy Policy on the Services.

We may provide you with disclosures and alerts regarding the Privacy Policy or Personal Data collected by posting them on our website and, if you are a User, by contacting you through your Eye4Fraud account, email address and/or the physical address listed in your Eye4Fraud account.

If applicable law requires that we obtain your consent or provide notice in a specified manner prior to making any changes to this Privacy Policy applicable to you, we will provide such required notice and will obtain your required consent.

If you wish to submit a request to exercise one or more of the rights listed above, you can contact us. An e-mail requesting to exercise a right will not be construed as consent with the processing of your Personal Data beyond what is required for handling your request. Such request should meet the following conditions:

  • State clearly which right you wish to exercise; and
  • State clearly the reasons for exercising your right if such is required; and
  • Your request should be dated and signed; and
  • Your request should be accompanied by a digitally scanned copy of your valid identity card proving your identity. If you use the contact form, we may ask you for your signed confirmation and proof of identity.

We will promptly inform you of having received your request. If the request meets the conditions above and proves valid, we will honor it as soon as reasonably possible and at the latest thirty (30) days after having received your request.

If you have any questions or complaints about this Privacy Policy, please contact us.