Overview
USABusiness.co.in (being “Company” or “us”), amongst other things, uses a unique bidding process to help merchants (“you”) select from amongst various providers of (each a “Processor”).
By accepting the Privacy Policy and Terms of Use, you expressly consent to us collecting, using and disclosing your personal information in the manner described in this Privacy Policy.
Collection of Personal Information:
The only information we collect about you on this Site is information that you voluntarily provide to Company. The information that we normally request (being “Merchant Data”) that is: Name of your current processor, monthly processing volume, average transaction size, percentage of in-person, online, phone and mail authorizations, business category, preferred method of processing, whether or not you accept chip and pin cards, the type of POS terminal you require, name, mailing address, email address, phone number and which amongst our Bids you find to be best for you. Merchant Data that you choose to provide shall be collected, stored by us for the following purposes:
To select from amongst our Processors (all of which are identified on the home page of the Site), which are suitable to provide a merchant account to your business;
Using Processor pricing and underwriting criteria, present bids to you, being summaries of key pricing terms that they may be able to offer you subject to their underwriting criteria;
Following your selection of a bid that you believe is best for you, soliciting your account on behalf of a Processor that is likely able to provide a merchant account on terms that are consistent with the bid you have selected; 1.4 Respond to your request for information or documentation;
Assist in completing an application for merchant services or other services for your business for submission to a Processor; and
Combat fraud, money laundering and the funding of terrorism.
To open your USA Business Account, we need to obtain certain personal information from you, such as your full name, address, email, phone number and your date of birth. For certain optional transactions, we also collect financial information such as credit or debit card details. For certain high value transactions, we may be required to report personal information to the relevant authorities. For verification purposes we reserve the right to request proof of your identity and proof of address. When using our services, your IP address and login times are recorded and stored for purposes of preventing fraud and enhancing the security of our services. We may also collect usage and access data that allows us to prevent multiple account openings or other fraudulent behaviour or to protect our systems against illegal attacks or abuse. Strictly for this purpose, we may share such data with specialized and trustworthy fraud management services that help us analyse the data. We may also use cookies. A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. Information collected and stored through cookies may be matched against the personal data we hold on our systems.
Use of Personal Information
We use your personal information to operate your World Payments Corporation Account and to provide our services. We also share certain information as with banks or credit/debit card processing services, identity verification services and credit reference agencies as part of our normal business operations. The purpose for sharing this data is to identify and verify users and to limit our exposure fraud and other criminal activities and to manage our financial risk. When conducting identification or fraud prevention checks, the service provider may retain a record of our query along with your information. By using our services you expressly agree to the sharing of your personal data for these purposes.
We may also share your personal data with other companies within the World Payments Corporation corporate group that are involved in providing services to you or the recipient of a payment. If you have been referred to us by a third party and that third party is entitled to a commission payment based on transaction volumes, numbers or types of transactions, we may share personal data, including transactional information, with that third party in order to reconcile commission payments. Where personal data is collected by or through a third party such as a vendor, promotion website or World Payments Corporation partner website, the collection and use of your personal data may also be governed by the privacy policy of the third party.
Control of Personal Information
If your personal details (such as your name, address, or telephone number) changes you have to immediately update your details by contacting Customer Service. USA Business shall not be liable for any loss arising out of your failure to keep your personal details up to date.In order to deactivate your Account you will need to contact Customer Service. We are by law required to retain certain records for a period of at least seven years after closure of your Account.
Communication
Upon successful registration, you will receive a confirmation email to your registered primary email address. All further communication via email will be sent to this primary email address which you can change at any time. You may also receive system-generated transactional emails such as confirmation of uploads, notification of receipt of payments, notification of password changes etc. Registered users will occasionally receive information on products, services and special deals via newsletter, unless a user has chosen not to receive such communication.
Privacy and Security
USA Business protects your personal data against unauthorised access, use or disclosure. Once you are on our website and buying something, all internet communication is secured using Secure Socket Layer (SSL) technology with high security 256 bit encryption, certified by Verisign Secured. However, this high level of protection can only be effective if you follow certain security practices yourself.
We take every precaution to protect your information. When users submit sensitive information via the Site, their information is protected both online and off-line. Only employees or consultants, if any, who need the information to perform a specific job are granted access to personally identifiable information. Our employees and consultants, if any, must use password-protected screen-savers when they leave their Company portal. When they return, they must re-enter their password to re-gain access to user information. Furthermore, all employees and consultants, if any, are kept up-to-date on our security and privacy practices. As well, any time new policies are added, our employees and consultants, if any, are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our users’ information is protected. Finally, the servers that store personally identifiable information are in a secure environment, in a locked facility. If you have any questions about the security at our Site, users can send an email to Site at the address provided at the contact section of this site.
Company may disclose personal information collected online to our affiliates and to Processors who assist us with obtaining or supplying services to you that you have requested. In some cases, this may require your information to be sent to other countries. By supplying your information on this Site, you consent to your information being transferred across national borders to Company, its affiliates and Processors.
Use by Minors Prohibited
You may not use this Site if you are not of the age of majority in the district where you reside or of you are under 18 years of age. This Site offers products and services to businesses only and not to individual consumers. You may not use this Site as an individual consumer.
This Party Content
Third parties may provide links to other internet websites or resources on this Site. Company neither controls nor endorses such ‘linked sites’ nor have we reviewed or approved the content or information that appears on these linked sites. You acknowledge and agree that Company is not responsible for the legality, accuracy or appropriate nature of any content, advertising, products or any other materials on or available from such linked sites. You further acknowledge, and agree that Company, its officers, directors, employees, affiliates nor any other representatives shall not be held responsible, or liable, directly or indirectly, for any damage, or loss caused, or alleged to be caused, by or in connection with use of or reliance on any such content, goods and services available on or through any such linked sites.
Contacting Company
If you have any questions concerning this Privacy Policy, please contact Company through contact information set out on the Site.
Notification of Changes
Changes to this privacy statement are posted on our website. If we are going to use your personal data in a manner different to the uses stated at the time of collection we will also notify you via email. You may object to any new use of your personal data by contacting Customer Service, however, we will treat such an objection as a notice to terminate your USA Business Account.