This privacy notice for Disputifier, LLC (“Company,” “we,” “us,” or “our”) describes how and why we collect, store, use, and/or share (“process”) your information when you use our services (“Services”), including when you visit our website at http://www.disputifier.com (or any website of ours that links to this privacy notice), use our chargeback and fraud-prevention Services, or engage with us in any related way, including sales, marketing, or events.
Disputifier operates globally. Depending on where you are located, different data protection laws may apply to the processing of your personal information. This notice is intended to give all users a consistent set of privacy protections and choices. Where a specific law applies to our processing of your information, we aim to honor the rights that law provides, as described below. Nothing in this notice is an admission or representation that any particular law applies to us or to a given processing activity.
Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you have questions, contact us at hello@disputifier.com.
SUMMARY OF KEY POINTS This summary provides key points from our privacy notice. You can find more detail in the section referenced after each point, or by using the table of contents below. What personal information do we process? We process personal information you provide to us (such as account and merchant information), information collected automatically when you use the Services (such as device and usage data), and information necessary to deliver our chargeback and fraud-prevention Services. See Section 1. Do we process sensitive personal information? We do not seek to collect or process sensitive personal information (such as government IDs, health, or biometric data) in the ordinary course. See Section 1. Do we sell or share your personal information? We do not sell your personal information for money. We do share certain online identifiers with advertising partners for cross-context behavioral advertising (for example, through pixels), which may be considered a “sale” or “share” under some laws. You can opt out at any time. See Sections 3 and 12. How do we process your information? To provide, improve, and administer our Services, communicate with you, prevent fraud, and comply with law. See Section 2. Who do we share information with? With service providers and subprocessors who help us operate, and in certain business situations. See Section 3. What are your rights? Depending on your location, you may have rights over your personal information. We aim to make these choices available to all users. See Sections 10 and 12. How do you exercise your rights? By contacting us at hello@disputifier.com. See Section 14.
TABLE OF CONTENTS 1. WHAT INFORMATION DO WE COLLECT? 2. HOW DO WE PROCESS YOUR INFORMATION? 3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION? 4. CHARGEBACK AND CARDHOLDER DATA 5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES? 6. IS YOUR INFORMATION TRANSFERRED INTERNATIONALLY? 7. HOW LONG DO WE KEEP YOUR INFORMATION? 8. HOW DO WE KEEP YOUR INFORMATION SAFE? 9. DO WE COLLECT INFORMATION FROM MINORS? 10. WHAT ARE YOUR PRIVACY RIGHTS? 11. CONTROLS FOR DO-NOT-TRACK FEATURES 12. REGION-SPECIFIC PRIVACY RIGHTS (EEA, UK, CALIFORNIA, AND OTHERS) 13. DO WE MAKE UPDATES TO THIS NOTICE? 14. HOW CAN YOU CONTACT US, REVIEW, UPDATE, OR DELETE YOUR DATA?
1. WHAT INFORMATION DO WE COLLECT? Personal information you disclose to us In Short: We collect personal information that you provide to us. We collect personal information that you voluntarily provide when you register for the Services, express interest in our products or Services, participate in activities on the Services, or contact us. This may include your name, email address, phone number, business/merchant name, billing and payment method information, account credentials, and any information you provide in support requests or communications with us. Merchant and transaction information. To provide our chargeback and fraud-prevention Services, we collect information that you or your systems submit in connection with disputes and orders. This may include order records, transaction details, shipping and delivery information, customer communications, and supporting documentation used to build chargeback representment packages. Sensitive information. We do not seek to collect or process sensitive personal information in the ordinary course of providing the Services. Please do not submit sensitive personal information to us unless it is necessary and requested. All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information. Information automatically collected In Short: Some information — such as your IP address and browser or device characteristics — is collected automatically when you visit our Services. We automatically collect certain information when you visit, use, or navigate the Services. This information generally does not reveal your specific identity but may include your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, and information about how and when you use our Services. We collect this information primarily to maintain the security and operation of our Services, and for internal analytics and reporting. We collect some of this information using cookies and similar technologies (see Section 5).
2. HOW DO WE PROCESS YOUR INFORMATION? In Short: We process your information to provide, improve, and administer our Services, communicate with you, prevent fraud, and comply with law. We process your personal information for the following purposes, depending on how you interact with our Services: To provide, operate, and deliver the Services you request, including compiling chargeback representment packages and fraud-prevention analysis. To create and manage your account and process payments and billing. To communicate with you, including responding to inquiries and providing support. To send you marketing and promotional communications, where permitted. You can opt out at any time (see Section 10). To improve, personalize, and analyze the Services, including internal analytics and reporting. To detect, prevent, and address security incidents, fraud, and unlawful activity. To comply with legal obligations and enforce our terms. Where required by applicable law, we process your information only when we have a valid legal basis to do so — such as your consent, to perform a contract with you, to comply with a legal obligation, or for our legitimate business interests that are not overridden by your rights.
3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION? In Short: We do not sell your personal information for money. We do share certain online identifiers for advertising, and we share information with service providers and subprocessors who help us operate. You can opt out of advertising-related sharing (see Section 12). We do not sell your personal information in exchange for money. However, we use advertising and analytics technologies (such as cookies and pixels) that disclose certain online identifiers and usage information to third-party advertising partners so that we can show and measure ads across other websites and platforms. This activity is commonly known as “cross-context behavioral advertising,” and under certain laws — including the California Consumer Privacy Act as amended — it may be considered a “sale” or “sharing” of personal information, even though no money is exchanged. You have the right to opt out of this activity at any time, as described in Section 12 (“Region-Specific Privacy Rights”) and through the “Do Not Sell or Share My Personal Information” control described there. The categories of third parties to whom we may disclose personal information for these purposes include advertising networks and advertising technology providers. We may share personal information in the following situations: Service Providers and Subprocessors. We share information with third-party vendors, service providers, and subprocessors who perform services for us or on our behalf, such as payment processing, hosting and cloud infrastructure, analytics, customer support tooling, and email delivery. We share only the information necessary for them to perform their functions, and we require them to protect it and use it only for the services they provide to us. Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business. Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies under common control with us. Legal and Safety. We may disclose information where required to do so by law, or where we believe disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a lawful government request. With Your Consent. We may share your information for any other purpose with your consent.
4. CHARGEBACK AND CARDHOLDER DATA In Short: Some data we process relates to your customers (cardholders), and you are responsible for that data as its controller. To deliver our chargeback and fraud-prevention Services, we process information about transactions and disputes that may include personal information relating to your customers or cardholders (for example, names, order details, and communications). When we process this information to provide the Services to you, you are responsible for that data as its controller or equivalent, and we act as your service provider or processor. You represent that you have provided all necessary notices and obtained all necessary rights, consents, and permissions for us to process such information on your behalf as described in this notice and in our Terms of Service. We process cardholder data only as needed to provide the Services, to prevent fraud, and to comply with applicable law and payment-network requirements.
5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES? In Short: Yes. We use cookies and similar technologies to operate our Services, to analyze usage, and for advertising. We use cookies and similar tracking technologies (such as web beacons and pixels) for several purposes: to keep the Services secure and functioning, to remember your preferences, to understand how our Services are used through analytics, and for advertising. Some of these technologies are provided by third parties, including analytics providers who process usage data on our behalf and advertising partners who receive certain online identifiers to deliver and measure ads across other websites and platforms. Advertising technologies (such as pixels) may disclose personal information to third-party advertising partners for cross-context behavioral advertising. As described in Sections 3 and 12, you can opt out of this activity, including by using the “Do Not Sell or Share My Personal Information” control and by enabling an opt-out preference signal such as Global Privacy Control (GPC). You can usually set your browser to remove or reject cookies. Doing so may affect the availability and functionality of our Services. Where required by applicable law, we will seek your consent before placing non-essential cookies.
6. IS YOUR INFORMATION TRANSFERRED INTERNATIONALLY? In Short: Yes. Because we operate globally, your information may be transferred to, stored in, and processed in countries other than your own, including the United States. We and our service providers may process and store your information in the United States and in other countries where we or they operate. These countries may have data protection laws that differ from those in your country of residence. Where we transfer personal information across borders and applicable law requires us to provide safeguards for that transfer, we take steps intended to ensure your information receives an adequate level of protection, which may include using contractual protections such as standard contractual clauses or relying on another lawful transfer mechanism. You may contact us for more information about the safeguards we apply.
7. HOW LONG DO WE KEEP YOUR INFORMATION? In Short: We keep your information only as long as necessary for the purposes described in this notice, unless a longer period is required or permitted by law. We retain your personal information for as long as needed to provide the Services, maintain your account, and fulfill the purposes described in this notice. We may retain certain information for longer where required or permitted by law — for example, to meet tax, accounting, legal, fraud-prevention, or payment-network requirements, or to establish, exercise, or defend legal claims. Chargeback and transaction records in particular may be retained for longer periods to comply with these obligations. When we no longer have a legitimate business or legal need to process your personal information, we will delete or anonymize it, or, if that is not possible (for example, because it is stored in backup archives), we will securely store it and isolate it from further processing until deletion is possible.
8. HOW DO WE KEEP YOUR INFORMATION SAFE? In Short: We use reasonable technical and organizational measures to protect your information. We have implemented reasonable and appropriate technical and organizational security measures designed to protect the personal information we process. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security. You transmit information to and from the Services at your own risk, and you should access the Services within a secure environment.
9. DO WE COLLECT INFORMATION FROM MINORS? In Short: We do not knowingly collect data from or market to children under 18 years of age. We do not knowingly solicit data from or market to children under 18. By using the Services, you represent that you are at least 18, or that you are the parent or guardian of a minor and consent to that minor’s use of the Services. If we learn that we have collected personal information from a user under 18, we will deactivate the account and take reasonable measures to promptly delete such data. If you believe we may have collected information from a child under 18, please contact us at hello@disputifier.com.
10. WHAT ARE YOUR PRIVACY RIGHTS? In Short: Depending on your location, you may have rights over your personal information. We aim to make these choices available to all users. Depending on where you are located and the laws that apply, you may have some or all of the following rights regarding your personal information: To request access to and a copy of the personal information we hold about you. To request correction of inaccurate or incomplete information. To request deletion of your personal information, subject to legal and business retention needs. To object to or request that we restrict certain processing. To request portability of information you provided to us. To withdraw consent at any time, where we rely on consent to process your information. To opt out of marketing communications at any time. To opt out of the sale or sharing of your personal information, including for cross-context behavioral advertising (see Section 12). Regardless of your location, we aim to make these choices available to all users. To exercise any of these rights, contact us at hello@disputifier.com. We will consider and respond to your request in accordance with applicable law. We may need to verify your identity before acting on a request.
Withdrawing your consent If we are relying on your consent to process your personal information, you have the right to withdraw that consent at any time by contacting us. Withdrawal will not affect the lawfulness of processing before the withdrawal, nor processing conducted in reliance on lawful grounds other than consent.
Opting out of marketing You can unsubscribe from our marketing communications at any time by clicking the unsubscribe link in the emails we send, or by contacting us. Even if you opt out, we may still send you non-promotional messages, such as those about your account or our ongoing business relationship.
Account information You may review or change your account information, or terminate your account, at any time by logging into your account or contacting us. Upon a request to terminate your account, we will deactivate or delete your account and information from our active databases. We may retain some information to prevent fraud, troubleshoot problems, assist with investigations, enforce our legal terms, and/or comply with applicable legal requirements.
11. CONTROLS FOR DO-NOT-TRACK FEATURES Most web browsers and some mobile operating systems and applications include a Do-Not-Track (“DNT”) feature or setting. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals. If a standard for online tracking is adopted that we are required to follow, we will inform you in a revised version of this notice. Separately, we recognize the Global Privacy Control (GPC) signal. Where required by applicable law, we treat a valid GPC signal received from your browser or device as a request to opt out of the sale or sharing of your personal information for that browser or device. For more on your opt-out choices, see Section 12.
12. REGION-SPECIFIC PRIVACY RIGHTS (EEA, UK, CALIFORNIA, AND OTHERS) In Short: Some regions provide their residents with specific privacy rights, including the right to opt out of the sale or sharing of personal information. Where those laws apply to our processing, we aim to honor the rights they provide. EEA, UK, and Switzerland If you are located in the European Economic Area, the United Kingdom, or Switzerland, and applicable data protection law grants you rights over your personal information, we aim to honor those rights as described in Section 10. Where you believe our processing of your personal information is unlawful, you also have the right to complain to your local data protection supervisory authority. Contact details for EEA authorities are available at https://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm, and for the Swiss authority at https://www.edoeb.admin.ch/edoeb/en/home.html. California If you are a California resident, applicable California law may grant you specific rights, including the right to request access to the categories and specific pieces of personal information we have collected, the right to request deletion, the right to request correction, the right to opt out of the sale or sharing of your personal information, and the right not to be discriminated against for exercising your rights. We do not sell your personal information in exchange for money. However, as described in Sections 3 and 5, we use advertising technologies (such as pixels) that disclose certain online identifiers and usage information to third-party advertising partners for cross-context behavioral advertising. Under California law, this activity may be considered a “sale” or “share” of personal information. The categories of personal information involved are online identifiers and internet or other electronic network activity information. We do not knowingly sell or share the personal information of consumers under 16 years of age.
Do Not Sell or Share My Personal Information You have the right to opt out of the sale or sharing of your personal information. You can exercise this right by using the “Do Not Sell or Share My Personal Information” link available on our website, by adjusting your cookie preferences through our cookie banner or preference center, or by contacting us at hello@disputifier.com. We also honor opt-out preference signals, including the Global Privacy Control (GPC); where required by applicable law, a valid GPC signal will be treated as a request to opt out of sale or sharing for the browser or device from which it is sent. You do not need to create an account to exercise this right, and we will not discriminate against you for exercising it. California Civil Code Section 1798.83 (the “Shine The Light” law) permits California residents to request, once a year and free of charge, information about the categories of personal information (if any) we disclosed to third parties for their direct marketing purposes. To make such a request, contact us using the information below. If you are under 18, reside in California, and have a registered account, you may request removal of data you have publicly posted on the Services. We will make sure the data is not publicly displayed, though it may not be completely removed from all our systems (for example, backups). Other regions If you are located in a jurisdiction with its own data protection law, that law may grant you rights similar to those described in Section 10. Where such a law applies to our processing, we aim to honor the rights it provides. You may contact us at any time to exercise your choices.
13. DO WE MAKE UPDATES TO THIS NOTICE? In Short: Yes. We will update this notice as necessary. We may update this privacy notice from time to time. The updated version will be indicated by an updated “Last updated” date and will be effective as soon as it is accessible. If we make material changes, we may notify you by prominently posting a notice or by sending you a direct notification. We encourage you to review this notice periodically.
14. HOW CAN YOU CONTACT US, REVIEW, UPDATE, OR DELETE YOUR DATA? If you have questions or comments about this notice, or wish to review, update, or delete personal information we hold about you, you may contact us at: Disputifier, LLC Attn: Privacy Email: hello@disputifier.com We will consider and act upon your request in accordance with applicable law, and may need to verify your identity before doing so.
