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 websites or application (“Merchant Platforms”) and compare it to known fraudulent behavioral trends in order to protect the Merchant from fraudulent activity (collectively: “the Services“).
Our Services not only help Merchants, but also provide 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.
The second type of information, mostly the data in the checkout page, is individually identifiable information, namely information that identifies an individual or may with reasonable effort identify an individual (“Personal Information”). The Personal Information we process through our Services includes information which is submitted to Merchant Platforms directly by the Customer, such as phone number; full name; address; e-mail address and other information that we may need in order to provide our Services. With regards to Customer’s payment means, we are not collecting full credit card details, but only the credit card BIN and the last four digits of the credit number, alongside the cardholder name and expiration date.
We may also process Personal Information from Customer’s device, such as geolocation data, IP address and other unique identifiers.
If we combine Personal Information with Non-personal Information, the combined information will be treated by us as Personal Information for as long as it remains combined.
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.
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) subcontractors (e.g. enrichment services with whom data points are shared securely and without the transaction context. For example, shipping addresses, without an individual’s name/phone/etc., are normalized using a dedicated address validation provider. All third party services must be evaluated and approved by the Forter security team before integration or chargeback dispute agencies); (iii) third party service providers (e.g. cloud web services for storing information on our behalf or processing information);
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.
We may rectify, replenish or remove incomplete or inaccurate information, at any time and at our own discretion.
We will retain the information we collect for as long as needed to provide our Services and to comply with our legal obligations, resolve disputes and enforce our policies.
Details of Company and affiliated companies in the group:
Forter Ltd., 7 Tozeret Haaretz Street, Tel Aviv 6780104
Forter, Inc., 315 W 36th Street, New York, NY 10018, USA
Last update: 22/12/2016