Privacy Policy

Effective Date: January 1, 2024

Merchant Fraud Journal (referred to as “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.merchantfraudjournal.com (the “Site”). Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the Site.

1. Information We Collect

1.1 Personal Data We may collect personally identifiable information (PII), such as your name, email address, phone number, mailing address, and other similar information when you voluntarily submit it to us. This information is used to communicate with you, provide services, and improve our offerings.

1.2 Non-Personal Data We may collect non-personal information about you whenever you interact with our Site. This may include your browser type, operating system, IP address, the pages you visit on our Site, and the duration of your visit. This information helps us understand how visitors use our Site and improve its functionality.

1.3 Cookies and Tracking Technologies Our Site may use cookies and similar tracking technologies to enhance your experience. Cookies are small data files stored on your device. You can set your browser to refuse cookies or alert you when cookies are being sent. However, some parts of the Site may not function properly if you disable cookies.

2. How We Use Your Information

We use the information we collect for various purposes, including:

• To operate, maintain, and improve our Site.
• To personalize your experience on our Site.
• To respond to your comments, questions, and customer service requests.
• To send periodic emails, newsletters, and other information that may be of interest to you.
• To monitor and analyze usage and trends to improve our Site and services.
• To protect the security and integrity of our Site and business.

3. Legal Basis for Processing Personal Data

3.1 General Data Protection Regulation (GDPR) Compliance For individuals located in the European Economic Area (EEA), we process your personal data in accordance with the General Data Protection Regulation (GDPR). Our legal basis for processing your personal data includes:

• Your consent
• The performance of a contract with you
• Compliance with legal obligations
• Our legitimate interests, which include operating and improving our Site, marketing our services, and preventing fraud

3.2 Other Territorial Compliance Requirements We comply with privacy laws and regulations applicable to our operations in different territories, including but not limited to:

• The California Consumer Privacy Act (CCPA)
• The Personal Information Protection and Electronic Documents Act (PIPEDA) in Canada
• The Privacy Act in Australia
• The General Law on the Protection of Personal Data (LGPD) in Brazil
• The Personal Data Protection Act (PDPA) in Singapore

4. Sharing Your Information

We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties except as described in this Privacy Policy or with your explicit consent. We may share information with trusted third parties who assist us in operating our Site, conducting our business, or servicing you, so long as those parties agree to keep this information confidential.

4.1 Legal Requirements We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

4.2 Business Transfers In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the acquiring company.

4.3 International Transfers Your information, including personal data, may be transferred to and maintained on servers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.

5. Data Security

We implement a variety of security measures to maintain the safety of your personal information. However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.

6. Your Rights

6.1 GDPR Rights If you are located in the EEA, you have the following rights under GDPR:

• The right to access: You have the right to request copies of your personal data.
• The right to rectification: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
• The right to erasure: You have the right to request that we erase your personal data, under certain conditions.
• The right to restrict processing: You have the right to request that we restrict the processing of your personal data, under certain conditions.
• The right to object to processing: You have the right to object to our processing of your personal data, under certain conditions.
• The right to data portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

To exercise any of these rights, please contact us using the contact information provided below.

6.2 CCPA Rights If you are a California resident, you have the following rights under CCPA:

• The right to know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you.
• The right to delete: You have the right to request that we delete any personal information we have collected about you.
• The right to opt-out: You have the right to request that we do not sell your personal information.

To exercise any of these rights, please contact us using the contact information provided below.

6.3 Other Jurisdictional Rights Residents of other jurisdictions may have similar rights under applicable laws. Please contact us for more information or to exercise your rights.

7. Third-Party Links

Our Site may contain links to third-party websites. We do not control, and are not responsible for, the content or privacy practices of these websites. We encourage you to review the privacy policies of these third-party websites.

8. Children’s Privacy

Our Site is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently received personal information from a child under the age of 13, we will delete such information from our records.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the effective date. Your continued use of the Site after such modifications will constitute your acknowledgment of the modified Privacy Policy and your agreement to abide and be bound by it.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at: hello@merchantfraudjournal.com

Payments Media Solutions Canada Inc.
290 Caldari Road
Concord, Ontario L4K4K4
Canada