Privacy Policy

FreedomPay Privacy Policy

Version: 2.5
Date: October 31, 2019

I. Purpose

FreedomPay recognizes the importance of protecting your privacy and we work hard to safeguard your personal information. Our Privacy Policy is designed to assist you in understanding how we collect, use and store the information you provide to us when using any of our Services, regardless of how you use or access these Services.

This Privacy Policy will be updated or reviewed, at minimum, yearly, with the change history provided in section I. Revision History. It is strongly recommended to check this document often.

Our Privacy Policy explains:

    • Our adherence to the EU-US Privacy Shield Framework
    • What information we collect and its purpose
    • How we obtain, process, disclose, share, retain and protect collected information
    • The legal basis for processing collected data
    • Your data protection rights regarding your information
    • Who to contact regarding your data

II. Notice

Participation in the Privacy Shield Framework

FreedomPay complies with the EU-U.S. Privacy Shield Framework and the Swiss-U.S. Privacy Shield Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information transferred from the European Union, the United Kingdom and Switzerland to the United States.  FreedomPay has certified to the Department of Commerce that it adheres to the Privacy Shield Principles with respect to such information.  If there is any conflict between the terms in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern.  To learn more about the Privacy Shield program, and to view our certification, please visit https://www.privacyshield.gov/.

FreedomPay is subject to the jurisdiction and enforcement authority of the U.S. Federal Trade Commission (FTC).

Information We Collect

Payment Gateway

FreedomPay does not and will never store data defined as Sensitive Authentication Data (SAD), which includes CVV security code and PIN/PIN block, and will only transmit that data as part of the credit card authorization process.

In addition to the transmission and collection of credit card transaction data, FreedomPay has the ability to collect certain information related to the transaction, including name, address, occupation and email address.  This information is provided to FreedomPay directly by the customer through a FreedomPay application, such as a credit application process, or through a FreedomPay partner that has integrated with a FreedomPay application.

FreedomPay reserves the ability to share or permit access to personal information with persons we employ directly or as contractors or agents, partners, or affiliates at our direction, for purposes of administering our Services, processing information, marketing our Service and providing customer support. We share personal information with certain third parties such as the merchant of record, banks, processors, card networks, phone centers and other suppliers and vendors to provide the Services and to help us process the Services you request. FreedomPay requires such third parties to maintain confidentiality of your personal information.

FreedomPay reserves the ability to aggregate and disclose this aggregated information that is not personally identifiable. Generally, this aggregated information is used in statistical analysis.  If FreedomPay sells all or substantially all of its assets, or completes a business transaction such as a merger, acquisition by a third party or a seal of all or a portion of our assets, your personal information may be one of the transferred assets.

 

Corporate Website

Hotjar

FreedomPay’s corporate website uses Hotjar in order to better understand our users’ needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behavior and their devices (in particular device’s IP address (captured and stored only in anonymized form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), preferred language used to display our website). Hotjar stores this information in a pseudonymized user profile. Neither Hotjar nor we will ever use this information to identify individual users or to match it with further data on an individual user. For further details, please see Hotjar’s privacy policy by clicking on this link: https://www.hotjar.com/legal/policies/privacy

You can opt-out to the creation of a user profile, Hotjar’s storing of data about your usage of our site and Hotjar’s use of tracking cookies on other websites by following this opt-out link: https://www.hotjar.com/legal/compliance/opt-out

 

Leads and Marketing

FreedomPay also uses its corporate website to collect information provided by potential clients wishing to learn more about FreedomPay solutions. The information collected includes name, email address, phone number, state, postal code, country, job title and company name and is used by our sales department for contact purposes to answer any questions regarding FreedomPay or the services we provide, and by our marketing department to distribute information regarding FreedomPay news, events, and webinars. This information is entered by the user through a form on our website and is imported into an internal management system for future communication. Once stored, this data may be shared with FreedomPay partners to assist potential clients with any additional questions they may have about all possible configurations of FreedomPay solutions. Individuals may unsubscribe from FreedomPay’s marketing newsletters and webinar invitations at any time by clicking the unsubscribe link within the email, or by unsubscribing at the following link: https://pages.freedompay.com/UnsubscribePage.html.

 

Cookies

To improve your experience on our corporate website, FreedomPay utilizes ‘cookies’. Cookies are an industry standard and most major web sites use them. A cookie is a small text file that our site may place on your computer as a tool to remember your preferences. You may refuse the use of cookies by selecting the appropriate settings on your browser (refer to your browser or device help material), however please note that if you do this you may not be able to use the full functionality of this website.

Our website uses Google Analytics, a service which transmits website traffic data to Google servers in the United States. Google Analytics does not identify individual users or associate your IP address with any other data held by Google. We use reports provided by Google Analytics to help us understand website traffic and webpage usage. For more information on the cookies used by Google Analytics you can visit the following link: https://developers.google.com/analytics/devguides/collection/analyticsjs/cookie-usage

You may also opt out of Google Analytics by using the browser add-on at the following link: https://tools.google.com/dlpage/gaoptout/

For a full description of the cookies and services used within our website, please refer to the FreedomPay cookie policy, found here: https://corporate.freedompay.com/cookies-policy/

 

Employment Data

As an employer, FreedomPay collects personal information of its employees including name, address, email, date of birth, bank information, work experience, and education history. This information is provided to FreedomPay by its employees through an application form distributed once an offer has been extended. We reserve the ability to share this information with third parties for the completion of background screenings, payment distribution, and enrollment in health/financial benefits. FreedomPay requires such third parties to maintain confidentiality of employee personal information.

We release account and other personal information when we believe release is appropriate to comply with the law; protect the rights, property or safety of FreedomPay, our users or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. Certain federal, state and local laws or government regulations may require us to disclose non-public personal information about you to respond to court orders or legal investigations. Note that this does not include selling, renting, sharing, or otherwise disclosing personally identifiable information from customers for commercial purposes in violation of the commitments set forth in this Privacy Policy.

We will ask for your consent before using information for a purpose other than those that are set out in this Privacy Policy.

 

Children’s Notice

FreedomPay recognizes how important it is to protect the online privacy of children. FreedomPay’s services are neither intended for children nor are they designed to attract child users. FreedomPay does not knowingly collect personal information from users under 18, would not willingly provide this data to any third party for any purpose, and any subsequent disclosure would be due to the user submitting personal information without solicitation from FreedomPay.

 

Contacting Us

In compliance with the EU-US and Swiss-US Privacy Shield Principles, GDPR, and other various statutes, FreedomPay commits to resolve complaints about your privacy and our collection or use of your personal information. European Union or Swiss individuals with inquiries or complaints regarding their personal data that is transferred into the United States under the Privacy Shield should first contact FreedomPay at techsupport@freedompay.com.

If you have any questions about our Privacy Policy, would like to make a data request, or need to get in contact with our Data Privacy Officer, you may contact us in the following ways:

Email: compliance@freedompay.com
Website: https://corporate.freedompay.com/consumer-privacy/
Toll-Free Number: 1-888-495-2446

 

 Independent Dispute Resolution

FreedomPay has further committed to refer unresolved privacy complaints under the Privacy Shield Principles to an independent dispute resolution mechanism, the BBB EU PRIVACY SHIELD, operated by the Council of Better Business Bureaus. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed, please visit http://www.bbb.org/EU-privacy-shield/for-eu-consumers for more information and to file a complaint.

Finally, as a last resort and under limited circumstances, EU and Swiss individuals with residual Privacy Shield complaints may invoke a binding arbitration option before the Privacy Shield Panel.

Data subjects under the jurisdiction of GDPR can file a complaint with the courts of the EU member state where they reside, where they work, or where the alleged infringement occurred.

If your complaint involves human resources data transferred to the United States from the EU [and/or Switzerland] in the context of the employment relationship, and FreedomPay does not address it satisfactorily, FreedomPay commits to cooperate with the panel established by the EU data protection authorities (DPA Panel) and the Swiss Federal Data Protection and Information Commissioner, and to comply with the advice given by the DPA panel and Commissioner, with regard to such human resources data. To pursue an unresolved human resources complaint, you should contact the state or national data protection or labor authority in the appropriate jurisdiction. Complaints related to human resources data should not be addressed to the BBB EU PRIVACY SHIELD.

Contact details for the EU data protection authorities can be found at http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm

Contact details for the Swiss Federal Data Protection and Information Commissioner can be found at https://www.edoeb.admin.ch/edoeb/en/home/the-fdpic/links/data-protection—switzerland.html

III. Choice

As stated in II. Notice, Information We Collect, FreedomPay collects certain data that is required for performance of its Services.  Separate from the performance of its Services, FreedomPay reserves the ability to aggregate and disclose aggregate data that is not personally identifiable to its partners or third parties.  This aggregated, non-identifiable data will be used in statistical analysis or for other similar purposes.

For data defined as sensitive information, such as health conditions, racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership or information specifying the sex life of an individual, FreedomPay must obtain written express consent from its customers or employees to share this data for any purpose outside of performing its Services.  Please note, that FreedomPay does not collect this type of sensitive information as part of its Services, but this section has been included as part of the Privacy Shield Frameworks.

 

IV. Accountability for Onward Transfer

Transfer of Personal Information

Should FreedomPay enter into an agreement with a third-party organization acting as a controller, FreedomPay agrees that it will, to the best of its ability, require the third-party controller to agree to the terms listed in section II. Notice, III. Choice, and V. Security, as well as meet the then-minimum security standards of FreedomPay including, but not limited to, PCI DSS compliance.  FreedomPay agrees to also require that, if entering into an agreement with a third-party controller, that the controlling entity be required to cease processing data that falls within scope of this privacy policy and/or take immediate steps to remediate should the determination be made that the entity is unable to abide by this policy. FreedomPay may be liable for the appropriate onward transfer of personal data to third parties under the Privacy Shield Frameworks.

Transfer of Personal Data

FreedomPay utilizes third party organizations as agents to perform its Services. These agents include:

    • Processors
    • Acquiring Banks
    • Fraud management Providers
    • Dynamic Currency Conversion Providers
    • Chargeback Providers

For each of these providers, explicit consent must be received by the merchant as part of an overall agreement before this information can be shared.

FreedomPay agrees that for existing and future third-party agents assisting in performing services its services involving the sharing of personal data it will:

    1. Transfer such data only for limited and specified purposes;
    2. Contractually provide that the agent is obligated to provide at least the same level of privacy protection as is required by the Principles;
    3. Take reasonable and appropriate steps to ensure that the agent effectively processes the personal information transferred in a manner consistent with the organization’s obligations under the Principles;
    4. Require the agent to notify the organization if it makes a determination that it can no longer meet its obligation to provide the same level of protection as is required by the Principles;
    5. Upon notice, including under (4), take reasonable and appropriate steps to stop and remediate unauthorized processing; and
    6. Provide a summary or a representative copy of the relevant privacy provisions of its contract with that agent to the Department of Commerce upon request.
    7. Note that FreedomPay may be required to share personal data transferred under the Privacy Shield Frameworks in response to lawful requests from public authorities including to meet national security and law enforcement requirements.

V. Security

FreedomPay transmits, processes and stores customer and employee data and takes appropriate measures to protect this data from loss, misuse and unauthorized access, disclosure, alteration and destruction, taking into due account the risks involved in the processing and the nature of the personal data.  Annually, FreedomPay undergoes security audits which include, but are not limited to, Payment Card Industry Data Security Standard (PCI DSS), SSAE16/SSAE18 SOCII Type II, and Payment Card Industry Point-to-Point Encryption (PCI P2PE).  As a service provider per PCI DSS standards, FreedomPay also undergoes regular security testing of its environment by independent 3rd party organizations to test the security of its environments.  Upon request, FreedomPay will provide documented evidence of its compliance with relevant security standards.  For questions or inquiries regarding FreedomPay’s security and compliance requirements, please contact compliance@freedompay.com.

 

VI. Data Integrity and Purpose

FreedomPay’s use of personal information and data collected from its customers and employees will be limited to data that is 1) required for satisfactory performances of its Services or 2) collected and utilized to enhance the user experience of the Services.  FreedomPay limits the information that it collects to data that is relevant for the satisfactory delivery and performance of FreedomPay’s Services and does not process personal information or data that is incompatible with its intended use as described above or as required by legal or regulatory bodies.

FreedomPay’s use of personal information is retained in an individual-identifiable form only so long as needed to perform its Services, as required by legal or regulatory bodies, or as needed for reasonable means such as statistical analysis.  Following that period, stored data is aggregated and no longer identifiable to a specific transaction or user.

VII. Data Protection Rights

 

FreedomPay is obligated through several consumer privacy laws, such as but not limited to the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA), to inform users about their rights as consumers in regard to their personal data. FreedomPay seeks to inform users about their rights in a clear and transparent way and create an environment where individuals can share their information whilst having the value of their privacy upheld. Your specific rights will be determined either by where your data is procured from, from your place of residence, or a combination of both.

For all users outside of GDPR and CCPA jurisdiction, FreedomPay will respond to user objection requests and the time frames for these requests in compliance with the varying local, national, or regional data protection and privacy laws and regulations without undue delay. The time limit for response may be extended when verification of identify of the data subject is required, or if there are numerous or complex requests. Vexatious or otherwise malicious or excessive objections may be refused at FreedomPay’s discretion.

 

GDPR

The European General Data Protection Regulation, enacted on May 25th, 2018, provides eight fundamental rights to any data subject, regardless of citizenship, located within the confines of the European Union. These rights are as follows:

    • The right to be informed. FreedomPay seeks to be clear and transparent with user information and utilizes this Privacy Policy to communicate about data being collected, how it’s used, how long it will be kept, and how data is processed. FreedomPay provides contact details of the data privacy officer within this document.
    • The right to access. Consumers have the right to learn if data is being processed by FreedomPay, the business purpose of their processed data, the categories of data stored, the time period for storage, the source of information, any automated decision making regarding their information, the existence of the rights to request rectification, erasure, or restriction of processing of information, and the right to lodge a complaint with a supervisory authority.
    • The right to rectification. Consumers may request that personal information that is inaccurate or incomplete regarding the data subject is updated without undue delay. FreedomPay allows consumers to exercise this right depending on the type of data being requested for rectification.
    • The right to erasure. Consumers may request that FreedomPay erases personal data when their personal data is no longer necessary for the purpose of which it was collected, where there is no legal ground for processing, no legitimate grounds for processing, for compliance with legal obligations to which FreedomPay is subject, or when related to processing the information of children below the age of 16. FreedomPay allows consumers to exercise this right depending on the type of data being requested for erasure. Requests for erasure can only be made by the data subject the personal data pertains to. Requests will be replied to without undue delay but may be subject to extension depending on the number and complexity of requests.
    • The right to restrict processing. Consumers can request that FreedomPay limits the way they use their personal data and can be used as an alternative to the right to erasure when the user believes their data is inaccurate or for legal claims regarding the data.
    • The right to data portability. Any data information provided by FreedomPay will be provided in a commonly used and machine-readable format. Consumers have the right to transfer their information to another controller.
    • The right to object. Consumers may object to the processing of their personal data being collected by FreedomPay in certain circumstances, such as for direct marketing purposes.
    • Rights related to automated decision making. Consumers are permitted to challenge and request a review of data processing regarding automatic decision making.

 

CCPA

The CCPA, in effect January 1st, 2020, grants California residents a number of consumer rights in relation to the collection and processing of their personal information. These rights are as follows:

    • The right to notice. FreedomPay seeks to be clear and transparent with user information and utilizes this Privacy Policy to communicate about data being collected, how it’s used, how long it will be kept, and how data is processed. FreedomPay collects information during the card transaction process, through marketing initiatives, and our website.
    • The right to access. Consumers have the right to learn if data is being processed by FreedomPay, the business purpose of their processed data, and the categories of data collected. This right only applies to personal information collected in the 12 months prior to the consumer data request, and not more than twice during a 12-month span. Data will be provided in a portable and readily usable format and may be transferred to third parties where feasible. Please see Notice for contact information regarding your data.
    • The right to opt out. Consumers have the right to opt out to the sale of personal information to third parties. FreedomPay does not sell personal information, and as such has not sold personal information within the last 12 months.
    • The right to request deletion. Consumers may request that their personal information may be deleted. Requests for deletion can only be made by the data subject the personal data pertains to. Requests will be replied to without undue delay but may be subject to extension depending on the number and complexity of requests.
    • The right to non-discrimination. Consumers will not be discriminated against if they choose to exercise their rights under the CCPA.

 

Transaction Data

FreedomPay acknowledges the individual’s right to access the personal data we hold about them pursuant to the Privacy Shield Frameworks.  Customers wishing to review, amend, or correct their personal data may do so by contacting the merchant that accepted the individual’s payment card in payment for goods or services. If a customer contacts FreedomPay for this purpose, FreedomPay will direct that customer to contact such merchant. As a payment processor, FreedomPay provides its merchants access to customer transactional data, but only in truncated formats in an effort to protect customer data from potential breach or compromise.  FreedomPay receives customer data through the normal credit card transaction payment process, and transmits, stores and processes transactional data to perform its services.

In general customers do not have access to the FreedomPay transaction processing system due to the security and regulatory requirements required of payment processors.  Providing customers access to their data introduces a disproportionate risk to both FreedomPay and the customer data, and therefore FreedomPay does not offer access to this highly sensitive data.

GDPR

Under GDPR, as this transaction data is being collected due to a legitimate interest and pursuant to the execution of contracts, FreedomPay is not required to provide access to, provide data portability, delete, or modify transactional data in response to a data subject access request.

CCPA

Under CCPA, as this transaction data is needed to complete transactions for which it was collected, needed to provide goods or services requested by the consumer, required to perform a contract, and used in context of the business relationship with the consumer, FreedomPay is not required to honor deletion requests for transactional data.

 

Business Data

Potential or existing clients who wish to review, amend, or delete the contact information stored in FreedomPay’s marketing and Customer Relationship Management (CRM) platforms can submit a request at https://corporate.freedompay.com/consumer-privacy/. Following validation of the data subject, a member of the FreedomPay compliance team will execute the request and provide any accompanying documentation.

 

Human Resources Data

FreedomPay Employees wishing to review, amend, or delete their personal data may do so manually by accessing the appropriate HR web portals. Using these portals, FreedomPay employees have the ability to view and edit any information provided to the Human resources department. Some information may be stored in systems that do not offer an externally facing method for review, amendment, or deletion. In these instances, employees may contact FreedomPay’s Director of Human Resources for assistance. Due to financial and legal requirements, as long as an individual is employed at FreedomPay, not all employee data can be deleted without terminating the existing employment arrangement.

FreedomPay’s subsidiary, FreedomPay World Europe Limited, located at 16 Great Queen ST., Covent Garden, London WC2B 5AH, United Kingdom, also adheres to the EU-US Privacy Shield Framework and FreedomPay and its subsidiaries will abide by the terms and principles of this privacy policy as well as the Privacy Shield Framework, including the use of personal data received from the EU.  Customers should note, however, that FreedomPay World Europe Limited is not directly subject to the Privacy Shield and as such, customers with a complaint about FreedomPay World Europe Limited’s handling of their personal data cannot bring a claim under the Privacy Shield or bring such complaint to the Better Business Bureau. At this location, FreedomPay has designated its EU representative as Managing Director, Tony Hammond as required by GDPR Article 27.

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