Forter (“we” or the “Company”) has set a goal to fight online fraud. Our fraud solution provides merchants who use our expertise and proprietary technology (“Merchants”), with real-time and automated decisions for online transactions made by Merchants’ customers (“Customers”).
When a Customer lands on any of the Merchant’s websites or applications (“Merchant Platforms), and subject to a full Merchant consent, we process relevant information pertaining to the Customer usage of the Merchant Platforms and compare it to known fraudulent behavioral trends in order to protect the Merchant from fraudulent activity while allowing the Merchant to provide a seamless customer experience for non-fraudulent Customers (the “Services“).
Our Services not only help Merchants, but also provide a much safer and better online shopping experience for Customers, as they help prevent a customer account takeover by a fraudster, allow Customers to get rid of the delays in order confirmation, and minimize potential mistaken rejection of transactions, which can make shopping online very frustrating.
i. With full Merchant consent, we collect information through Customers’ use of any of the Merchant Platforms. In other words, when the Customer is using the Merchant Platform we may gather information relating to such usage.
ii. We collect information, which the Customer voluntarily provides to the Merchant or shares on the Merchant Platforms and which is provided to us by the Merchant. For example, we use Personal Information that the Customer discloses on the Merchant Platforms (e.g. delivery address, partial credit card number, etc.), when the Customer wishes to conduct an online transaction.
iii. We collect information which is available via public websites, social networks, etc. and from our trusted service providers and is relevant to our Services. For example, we may collect information such as phone type (e.g. mobile, landline, etc.), age and gender from different resources across the web and perform social network analysis in order to support our analysis of a transaction and the assessment of whether or not a transaction is suspected as fraudulent.
A “cookie” is a small piece of information that the Merchant’s website assigns to the Customer’s browser while the Customer is browsing such website. Cookies are very helpful and are used by us for the purpose of gathering relevant information in order to detect possible online and identity frauds.
We use ‘session cookies’, which are stored temporarily during a browsing session and are deleted from Customer’s device when the browser is closed, and ‘persistent cookies’, which are saved on Customer’s device for a fixed period and are not deleted when the browser is closed.
The Customer may disable the storage of and/or remove the cookies via his browser settings.
We may share Personal Information which relates to the particular Merchant from whom the information was collected in order to provide our Services. This includes sharing of information regarding each transaction decision the Merchant initiates and access to our ‘Decision Dashboard’;
In addition, in order to provide our Services, we may share Personal Information with (i) affiliated companies within the Forter group of companies, as listed below; (ii) our service providers, in connection with performance of the Services, including (a) enrichment services with whom specific data points – typically already known to the enrichment service – are transmitted securely and without the transaction context in order to enrich the data or format it. For example, shipping addresses, without an individual’s name/phone/etc., are normalized using a dedicated address validation provider; (b) third party service providers (e.g. cloud web services for storing information on our behalf or processing information); and (c) subcontractors such as chargeback dispute agencies.
All third party services are evaluated and must be approved by the Forter security team before integration.
We may also disclose Personal Information, or any information submitted via the Services if we have a good faith belief that disclosure of such information is helpful or reasonably necessary to: (i) comply with any applicable law, regulation, legal process or governmental request; (ii) enforce our policies, including investigations of potential violations thereof; (iii) investigate, detect, prevent, or take action regarding illegal activities or other wrongdoing, suspected fraud or security issues; (iv) to establish or exercise our rights to defend against legal claims; (v) prevent harm to the rights, property or safety of us, the Merchants, the Customers or any third party; or (vi) for the purpose of collaborating with law enforcement agencies and/or in case we find it necessary in order to enforce intellectual property or other legal rights.
United Kingdom Information Commissioner’s Office
Water Lane, Wycliffe House
Wilmslow – Cheshire SK9 5AF
Tel. +44 1625 545 745
Details of Company and affiliated companies in the group:
Forter Ltd., Totseret ha-Arets St 7, Tel Aviv-Yafo, Israel 6789104
Forter, Inc., 12 East 49th St, New York, NY 10017
Last update: 20/05/2018