Platform and Privacy Policy

Last updated: March 10th, 2018

This Privacy Policy (“Policy”) explains the privacy practices for our service. At bLine Analytics Ltd. (“bLine”, “we”, “our”, or “us”) our goal is to fight online financial fraud. Our fraud solution provides merchants (“Merchants”), who use our expertise and proprietary technology in order to get real-time and automated decisions for every transaction 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 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.

This Privacy Policy outlines our practices with respect to using and processing Customers’ information we receive from the Merchant and from Customers’ usage of the Merchant Platform, when providing our Services to the Merchants. We encourage Customers to read the Privacy Policy carefully and use it to make informed decisions. Please note that this Privacy Policy does not apply to each Merchant’s privacy practices and any processing of information, which may be made by the Merchant outside the scope of our Services. If Customers wish to understand how the Merchant may use such information, they should review the applicable Merchant’s privacy policy.

In this Privacy Policy Customers can read about:

• What type of information we process
• How we collect Customers’ information
• Our usage of Cookies
• How we use the information
• With whom we share the information
• For how long we retain the information
• How we safeguard the information
• How to contact us

You are not obligated by law to provide us with your personal data, but the eCommerce Platform may require that you provide us your personal data in order for it to be able to consider or process the order you place. Please note that this Policy does not cover the practices or policies of Merchants, the eCommerce Platform, or other parties.

Our data protection officer can be contacted at privacy@blineanalytics.com. You can also contact us at support@blineanalytics.com.

1. The Information We Collect

We may collect information, which includes Personal Information, in various ways. “Personal Information” means any information that relates to an identified or identifiable individual, such as name, address, telephone number, or email address. In order to provide the fraud detection service, bLine collects 6 types of data on customers. The 6 types are information provided by you, device data, geo-location data, analytical data, cross-reference data and inquiries. These 6 types are explained below:

1. Information provided by you: When you place an order with an eCommerce Platform we collect various data regarding your transaction such as your name, email, the items you purchased, price paid, shipping information, and (if you have one) basic information from your account on the eCommerce Platform. We also collect basic information about your payment and billing method, but do not collect or keep your complete credit card number.
2. Information from your device: We collect information about the personal computer or mobile device you use to access the eCommerce Platform including its model, its operating system, unique device identifiers, browser type, mobile network information, and the Internet Protocol (IP) address through which you accessed the eCommerce Platform.
3. Geo-location data: If you use the eCommerce Platform’s mobile app we collect your precise geo-location when you actively use the app. If you use the eCommerce Platform’s website we will collect your town-approximate geo-location.
4. Analytical data: We collect analytical data about your use of the eCommerce Platform. For example, we collect the frequency of your access to the eCommerce Platform as well as the pages and items on the eCommerce Platform that you viewed or interacted with.
5. Cross-references: We may cross-reference your personal information with third parties, including public databases and industry-standard data vendors, and may combine this information with other personal information we maintain about you.
6. Inquiries: If you contact us for questions or complaints, we will collect the information related to your inquiry and to verify your identity. This may include your name, email address, postal address, telephone number and other contact information, depending on the nature of your inquiry.

2. How We Use Your Information

We use Personal Information for a number of purposes, including to:

• Enhance, improve, operate, and maintain our fraud prevention services, including to protect against and prevent fraud;
• Prevent fraudulent use of our Services;
• Tailor your user experience;
• Maintain a record of our dealings with you;
• Understand and analyze the usage trends and preferences of our users, to improve the Services, and to develop new products, services, features, and functionality;
• Develop and provide promotional and advertising materials that may be useful, relevant, valuable, or tailored to you, or otherwise of interest;
• Achieve business purposes, such as account verification, audits, security, compliance with applicable laws and regulations, fraud monitoring and prevention;
• Achieve purposes for which we provide specific notice at the time of collection.

If you are located in the European Economic Area or Switzerland, we will rely on a lawful legal ground for the processing of your Personal information, including when:

• You consented to the use of your Personal Information (e.g., for our uses of cookies or similar technologies, to send you marketing communications or personalize our offerings).
• Necessary to provide you with products and services, or to respond to your inquiries.
• The processing is required by applicable law or necessary to comply with a legal obligation.
• We, or a third party, have a legitimate interest in using your Personal Information, such as to ensure and improve the safety, security, and performance of our products and services, to protect against and prevent payment fraud or to carry out data analyses. We will not engage in what is known as “automated decision-making,” which involves making decisions with legal or similarly significant effects solely based on automated processing of Personal Information, unless you explicitly consented to the processing, the processing is necessary for entering into, or to perform a contract, or when authorized by applicable law.

We, as the fraud prevention service, process your personal data in accordance with your consent or the legitimate interests of the Merchant. You may withdraw consent at any time, without affecting the lawfulness of data processing we carried out based on your consent before such withdrawal.

When you place an order on an eCommerce Platform we review the aggregate data of your activities across all the eCommerce Platforms of our Merchants as well as any other data collected. We use this data to provide the eCommerce Platform a fraud analysis indicating whether or not the order is, in our assessment, a fraudulent online transaction. It is then up to the eCommerce Platform at its own discretion, not us, to accept and process your order or to decline it.

We also use the information we collect for the following purposes:

Improving and enhancing Fraud Prevention and developing new services;

• Statistical analysis of consumers’ activities;
• Handling complaints;
• Enforcing this Policy and preventing misuse of the Fraud Prevention;
• Taking any action in any case of dispute involving you, with respect or in relation to Fraud Prevention; and
• Any other action that may be mandated by law or undertaken to protect our legal rights and property and those of third parties.

3. Use of Cookies                

We use cookies and other technologies when Customers access the Merchant’s website.

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.

4. How We Disclose Your Information

We may share the information outlined in this Policy with others, in the following instances:

• In order to help us provide Fraud Prevention services, we may share information with our contractors and service providers
• We may share limited elements of the personal data we collect with a number of third parties and operators of online publicly available data sources (such as online search engines, online ‘white pages’, online mapping services etc.). We do this in order to cross-reference, verify, and enhance the accuracy of the data we collect.
• Those data sources may use the data we share with them for their own purposes, in accordance with their own policies.
• On rare occasions, we may share limited elements of your personal data with the Merchant with whom the transaction was made for review or audit purposes.
• Your personal data may be shared with third parties if we believe it is required by law or legitimate legal rights.
• We may share information if the operation of the Fraud Prevention service is organized within a different framework or through another legal structure or entity (i.e. due to a merger or acquisition).
• We may share personally identifiable information with our corporate group entities but their use of such information must comply with the Policy.

Several of these data sources are companies operating in countries outside your local territory or the European Economic Area, in legal environments that may not be adequate by EU data protection standards. You may opt-out of having your personal data shared with those data sources. However, opting out may prevent us from providing Fraud Prevention services and, as a result, use of the eCommerce Platform. To exercise this right please contact support@blineanalytics.com.

5. Your Rights and Choices: updating, obtaining a copy, or deleting your personal information

If the law grants you such rights, you may ask to access, correct, or delete your personal information that is stored in our systems. You may also ask for our confirmation as to whether or not we process your personal data.

Subject to the limitations in law, you may request that we update, correct, or delete inaccurate or outdated information. You may also request that we suspend the use of any personal data whose accuracy you contest while we verify the status of that data.

Subject to law, you may also be entitled to obtain the personal data you directly provided us (excluding data we obtained from other sources) in a structured, commonly used, and machine-readable format and may have the right to transmit the data to another party.

If you wish to exercise any of these rights, contact us at: support@blineanalytics.com. When handling these requests we may ask for additional information to confirm your identity and your request.

6. Aggregated Information

We may use the information we collect to compile aggregated, anonymized, or de-identified information. We may share such anonymized or de-identified information with any other third party, at our sole discretion.

7. Data Transfers

We may store and process information in the US, the EU, Israel, and in other countries. We may also process information using cloud services.

We frequently process information under arrangements aimed at providing an adequate level of data protection. This may include processing in countries that the EU has determined maintain adequate data protection, the use of model contract clauses, or other mechanisms.

However, in certain cases the laws in some of these countries may nevertheless provide a lesser degree of data protection than the laws of your own country. We may transfer your information to entities within other such countries for the purpose of processing as described in this policy

8. Security

We use reasonable security measures that are designed to protect Personal Information in our control from loss, misuse, unauthorized access, use, disclosure, alteration, or accidental, unlawful or unauthorized destruction. Please note, however, that no data security measures can be guaranteed to be completely effective. Consequently, we cannot ensure or warrant the security of any Personal Information or other information or that it will not be accessed, viewed, or acquired by unauthorized persons.

9. Data Retention

We retain the personal data we collect only for as long as needed in order to provide the Fraud Prevention service or newly developed services under this Policy and comply with applicable laws and regulations. We then either delete from our systems or anonymize it without further notice to you.

If you withdraw your consent to us processing your data, we will erase your personal data from our systems (unless the data is required by bLine to establish, exercise, or defend against legal claims).

10. Policy Regarding Children

We do not knowingly collect personal data from children under the age of 13. If a parent or guardian becomes aware that his or her child has provided us with personal data without their consent, he or she should contact us at support@blineanalytics.com. If we become aware that a child under the age of 13 has provided us with personal data, we will delete such information from our files unless required to maintain it for law-enforcement or legal purposes.

11. Changes to this policy

If we materially change this Policy in a manner that adversely affects your rights or the protections afforded your personal data, we will affect such change only to personal data we collect after the Policy change unless you agree we treat the personal data previously collected in accordance with the new Policy.

CONTACT US

You may contact us with any questions or comments, at: support@blineanalytics.com