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Privacy Policy

This Privacy Disclosure explains the privacy policies of MercantileX

This Web site is owned and operated by MercantileX an online e-Commerce processor of financial transactions.

MercantileX respects each individual’s right to personal privacy. We will collect and use information through our Web site, including registration forms, inquiry forms product transaction forms, mobile and API services only in the ways disclosed in this statement.

We are committed to protecting our customers’ privacy and security. This disclosure explains what information we collect about you, with whom we share it, and how you can direct us not to share certain information with certain parties.

Definitions

We, our, and us, means MercantileX, the provider of your payment services.
You and your, means customers using the MercantileX payment services. Nonpublic personal information, means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter we will use the term “information” with respect to nonpublic personal information as defined by this section.

Affiliate, means a partner company which MercantileX owns, controls or contractually operates with.

Opt out,an make to prevent certain sharing or use of information. We will explain how you can exercise this choice.

We collect and may disclose the following information about you:
– Information you provide on applications or other forms, such as name, address, e-mail address, social security number, telephone number, and date of birth;
– Information about your transactions with us, our affiliates, or other parties, such as your account balance, your transaction history (where applicable), your payment history; and
– Information we receive from a consumer reporting agency, such as verification of your identity and creditworthiness.

We may also collect and disclose information about how users use our Web site, for example, by tracking unique views received by pages of the Web site or the domains from which users originate. This information is not personally identifiable.

We may also use “cookies” to track returning users to our Web site. A cookie is a piece of software that a Web server can store on the users’ PCs and use to identify the users should they visit the Web site again. Information collected may be associated with nonpublic personal information users provide us through our Web site.

We maintain e-mail lists to inform individuals about our company, services and announcements and more. E-mails are typically sent containing valuable information for our merchants, agents, partners, and other interested parties. Our newsletters often contain Web beacons, which collect information such as a cookie identifier and the time and date that the email was viewed or opened. No private or identifiable information is collect, however allows us to track how many people opened our newsletter. We do not sell the addresses on our list, and we may make information available to specific business partners, sponsors, or service providers.

Users may voluntarily join our mailing lists or opting in through our website Sign Up form. To be removed from our mailing list, simply click the unsubscribe link in each e-newsletter or reply with a removal request.

Information we share with service providers or joint marketers
We may disclose all of the information we collect, as described above, to our Affiliates and to third party entities that perform services on our behalf or with who we partner or are affiliated with in connection with the services we provide to you, including but not limited to financial service provider who provide services to us, those who assist us in preparing and mailing statements (if applicable) and responding to customer inquiries, to those who perform marketing services for us and to financial institutions that are not our Affiliates with whom we jointly offer financial products or services. You do not have the right to opt out of the disclosure of this information.

Information we share with nonaffiliated third parties
We may disclose information to third parties who do not belong to our corporate family. These nonaffiliated third parties may include financial services providers, such as mortgage and insurance companies; nonfinancial companies, such as direct marketers, retailers and publishers; and others, such as nonprofit organizations.
You have the choice to opt out from our sharing of information with these types of third parties although we may still disclose your information as permitted or required by law or under judicial order.

Your right to opt-out of disclosures to affiliates and non-affiliated third parties
If you prefer that we not share nonpublic personal information about you with third parties, you may opt-out of those disclosures at any time by directing us not to make those disclosures (other than disclosures permitted or required by law). You may opt-out by contacting Customer Service through our Web form.

Information security
We restrict access to nonpublic personal information about you to our employees who have a need to know such information (e.g., to process your payments). We train our employees on the importance of customer privacy and confidentiality. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard the nonpublic personal information of our customers.

Information about former customers
The privacy policies and practices described in this Privacy Disclosure also apply to our former customers.

Privacy practices of third parties
Our website may feature links to third-party sites that offer goods, services, or information. We are not responsible for content or privacy policies or practices of any advertisers or linked sites of any third parties. We encourage you to review their privacy policy before providing them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.

Access or correct your information
You can access most of your nonpublic personal information that we collect online and maintain at www.MercantileX.com. You can correct factual errors in your nonpublic personal information by contacting us at the address listed above.

Changes to this privacy disclosure
We may change our Privacy Disclosure from time to time. We will provide current customers with a revised disclosure that describes the new practices as required by law.