Effective Date: 01/2020
Karma Card Payments (“KCP”) is committed to safeguarding your privacy and protecting your personal information. This Privacy Policy details the types of nonpublic personal information we may collect from you, how that information is used, shared, and secured, and your rights concerning this information. By using our services, you agree to the practices described in this policy.
1. Information We Collect
KCP collects nonpublic personal information about your business to the extent that you provide it voluntarily. This information may include:
- Information You Provide Directly: When using our website, you may provide us with personal information such as your name, contact details, business type, and sales volume.
- Transaction Information: We collect details related to transactions processed on your behalf.
- Information from Other Sources: We may obtain additional information from consumer reporting agencies, data resellers, or government authorities.
- Indirect Information: Accessing our website may involve providing your IP address and other technical data, which helps us understand how to better serve your business needs.
We only use this information for specified purposes, including:
- Providing information about our services;
- Processing transactions for you and your customers;
- Offering customer service and support;
- Monitoring account activity for fraud prevention;
- Complying with applicable federal, state, and local laws, including credit reporting regulations and card brand standards.
You may opt-out of receiving marketing communications from us by following the instructions provided in our communications.
2. Sharing Your Information
Except for the specific situations outlined in this policy, we do not share your information without your express consent. We may, however, share your nonpublic personal information under certain circumstances:
- With Non-Affiliated Companies: We may share your information with non-affiliated third parties necessary for transaction processing, fraud monitoring, legal compliance, and credit reporting. This includes financial institutions, card brands, automated clearinghouses, and payment gateways.
- Business Transfers: Your information may also be disclosed as part of any sale or transfer of KCP’s assets or business interests. In such instances, we will ensure that the confidentiality of your information is maintained.
3. Retention of Information
KCP is required to retain the personal information of former customers as mandated by federal, state, and local laws, including those related to credit reporting. We will continue to protect that information with the same level of security as with our current customers.
4. Maintaining Your Information’s Privacy
We implement industry-standard security measures to protect the unauthorized access to, and loss, misuse, or alteration of the nonpublic personal information we collect. This information is stored on a secure internal network accessible only through unique user IDs and passwords. Although we strive to maintain high-security standards, we acknowledge that no security system is perfect, and we cannot guarantee absolute security for information transmitted over the internet.
5. Children’s Privacy
KCP’s services and website are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.
6. Changes to This Privacy Policy
This Privacy Policy is effective as of 01/2020. We reserve the right to modify this policy at any time without prior notice by posting the updated version on our website. Changes will only pertain to information collected after the revised policy has been posted.
7. Contact Us and Opt-Out
To modify the information we have about you or to opt-out of marketing communications, please contact us via email at support @karmacardpayments.com or call us at 747-254-2676.
8. Use of Third-Party Technology
KCP may employ third-party technologies to enhance our website’s functionality, gather information about usage trends, and improve our services. This may include tracking technologies that allow us to analyze web traffic and understand user interests. Such information may be used to personalize advertisements displayed on third-party sites.
Opting Out of Third-Party Tracking
You can opt out of targeted advertising and tracking technologies by utilizing tools available from various third-party platforms, such as:
NAI’s opt-out platform: NAI Opt-Out
EDAA’s opt-out platform: EDAA Opt-Out
DAA’s opt-out platform: DAA Opt-Out
9. Privacy Rights for California Residents
In accordance with the California Consumer Privacy Act (CCPA), California residents have specific rights, including:
- The right to request the categories and sources of personal information collected about you, our use of that information, and any third parties with whom we have shared it.
- The right to request a copy of the specific personal information collected about you within the last 12 months.
- The right to request deletion of your personal information, subject to certain exceptions.
- The right to opt out of the sale of your personal information to third parties.
Submitting Requests
To exercise your rights under the CCPA, please submit your request by emailing support@karmacardpayments.com or by calling us at 747-254-2676. We will respond to your request within 45 days.
10. No Financial Incentives
KCP does not provide any financial incentives for allowing the sale of your personal information. If this changes, we will update our privacy policy accordingly.
11. Non-Discrimination
KCP ensures that consumers will not be discriminated against for exercising their privacy rights under the CCPA.
Questions or Concerns?
If you have any questions regarding this Privacy Policy or our data practices, please contact us at:
Email: support@karmacardpayments.com
Phone: 747-254-2676
We value your privacy and are committed to protecting your personal information. Thank you for choosing Karma Card Payments.
