The Scope of this Policy
This Policy describes the processing of information provided or collected on our sites and applications where this privacy policy is posted. In some instances, we may provide additional data privacy notices specific to certain products, practices, or regions. Those terms should be read in conjunction with this policy.
If you provide information to us on a third-party site or platform, the information you provide may be separately collected by the third-party site or platform. That third-party site or platform’s privacy practices will govern the use of your information. Choices you make on that third-party platform will not apply to our use of the information we have collected through our sites, products, or services.
Your Privacy Rights
If you are a resident of certain states or countries, you may have the right to know, access, correct, transfer, restrict the processing of, and delete your personal information. If you choose to exercise any of these options, we will not discriminate against you for making that decision.
You can exercise your privacy rights by contacting us at privacy@sliverpay.com.
There may be situations where we cannot grant your request. In such a situation, we will explain our reasoning to you if we deny your request.
Information Collected from You
We generally collect and share the information listed below with our business customers to provide services to those customers. We also use this information to secure, improve, and provide our services to our business customers as described below.
- Payments. We use transaction data (such as your name, email address, billing address, shipping address, payment method, merchant ID, location, purchase amount, date of purchase, purchase identifiers, and phone number) to provide our payment processing services to our business customers.
- Identity Verification. We use personal information about your identity, including information provided by you and our service providers to perform verification services that limit fraud and enhance security.
- Fraud Detection. We may use your personal information when requested by our customers or a banking institution to help them assess fraud risk with a transaction.
When a web user visits our website, we may collect the following personal information from you:
- Personal Identifiers
- Protected Class Information
- Commercial Information
- Internet Data
- Geolocation Data
- Audio/Visual Data
- Professional Employment Information
- Education Information
- Inferences
- Information you provide to Sliver Pay via a webform
If you create an account or use our Services, we may collect additional following personal information from you depending on the Services provided
- Personal Identifiers
- Protected Class Information
- Commercial Information
- Internet Data
- Geolocation Data
- Audio/Visual Data
- Professional Employment Information
- Education Information
- Inferences
How We Use Your Information
The following is a non-exhaustive list of how we use your information.
- Provide our business customers with services, establish commercial merchant accounts, process payments, or respond to inquiries;
- Operate our business, which includes, without limitation, using information to process transactions, establish, maintain, renew, or enforce contracts with you or with third parties, manage our corporate governance, compliance, and auditing practices, and for recruitment purposes, if you apply for employment with Sliver Pay;
- Internal marketing purposes;
- Customize user experiences on our websites;
- Internal recordkeeping and reporting, research, and analytics;
- Obtain commercial and credit information for business customers;
- Monitor compliance with applicable law and our Terms of Use;
- Comply with rules and regulations of any credit, debit, or other payment network;
- Prevent, identify, and address fraudulent or other illegal activity and security issues;
- Respond to a court order, subpoena, or request for cooperation from a regulatory, law enforcement or other government agency;
- Establish or exercise our legal rights; to defend legal claims; or as otherwise required or permitted by applicable laws and/or regulations;
- Effectuate change of control or new owners in the event of a merger, acquisition, or bankruptcy filing; and
- For any other purpose for which you expressly authorize us to use your information.
How We Share Your Information
Sliver Pay does not rent or sell your information to third parties. However, we may disclose your information to our subsidiaries and affiliates, along with our service providers and third-party processors to provide services to our business customers. We may also share your information with third parties when necessary to comply with laws and regulations; respond to subpoenas and court orders; exercise our legal rights or defend against legal claims; investigate, prevent, or take action regarding illegal activities, suspected fraud, potential threats to our property or the physical safety of any person, or violations of our usage instructions and applicable terms and conditions; facilitate the financing or insuring of our business or a disposition of all or part of our business or assets, or as otherwise permitted or required by law. We may share anonymized or aggregated data at our discretion, in accordance with applicable laws.
If you post your information or content to our online forums or media sites, this information is public on the Internet. We are unable to prevent or control further use of this information and refer you to the third-party sites’ privacy policies and terms of use to learn more about their privacy practices.
Your Marketing Choices
You can control how and when you want to receive marketing emails from Sliver Pay by clicking on the “unsubscribe” link located at the bottom of the email communication. This will not affect your receipt of administrative emails (for example, emails about your account, transactions, or policy changes) for your registered account.
Do Not Track Policy
Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked. We currently do not respond to browser “do not track” signals.
Securing Your Information
We maintain technical, physical, and administrative security measures to protect the security of your personal information against loss, misuse, unauthorized access, disclosure, or alteration. Examples of methods in place to protect your personal information include firewalls, data encryption, physical access controls to our data centers, and information access authorization controls. You are responsible for ensuring the security of your password(s) and account registration information.
Although we do our best to protect your personal data, no data transmission over the Internet is 100% secure. As a result, while we strive to protect your personal data, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) the security, integrity and privacy of any and all information and data exchanged between you and us through our websites and applications cannot be guaranteed. By providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of our websites, products, and services. If we learn of a security breach involving your personal information, we may attempt to notify you electronically by sending an email to you. To withdraw your consent to receive electronic notice of a data breach, please email us at privacy@sliverpay.com.
Our Commitment to Protecting Information Belonging to Children
Our services are not intended for children under the age of 18. We do not knowingly collect information via our sites, products, and services from users under the age of 18. If you use our Services, you represent that you are at least the age of majority under the laws of the jurisdiction of your place of residence. If you believe your child has provided us with personal information, please alert us at privacy@sliverpay.com. If we learn that we have collected personal information from a minor, we will promptly take steps to delete such information and terminate the minor’s account.
Cookies and Other Technologies
Cookies are identifiers we transfer to your browser or device that allow us to recognize your browser or device and tell us how and when pages and features in our services are visited and by how many people. You may be able to change the preferences on your browser or device to prevent or limit your device’s acceptance of cookies, but this may prevent you from taking advantage of some of our features. We recommend you keep cookies activated. We have broken up our cookies into categories to help you understand what they do.
- Essential: These cookies are required to use our services. For example, they are necessary to access our website and login to your account.
- Performance: These cookies track how you interact with our website. For example, these cookies let us know which pages on our website load slowly or are not optimized for mobile use. We use this information to make improvements to our user experience.
- Functionality: These cookies track information about you to make using our website easier. For example, we may retain information such as your login status and viewing preferences.
- Marketing and Analytics: These cookies help us create targeted advertising experiences on our websites.
You can manage your cookie preferences on our cookie banner that pops up when you first visit our website.
Our Global Data Transfer Practices
We store and process your personal information on our servers located within the United States but may transfer your personal information to other countries outside of the United States for the purposes described in this Privacy Policy. By using our websites, products, or services, you agree to the global transfer, process, and storage of your personal information.
Contacting Supervisory Authorities
If you would like to lodge a complaint against us, you may contact your local supervisory authority. If you have trouble locating a supervisory authority, please contact our privacy office above and they will help you contact a supervisory authority.
Changes to Our Privacy Statement
We keep this privacy statement under regular review and will place any updates on our website. Paper copies of the privacy statement may also be obtained by contacting the privacy office at the information above and requesting a paper copy.
This privacy statement was last updated February 2023.