Types of Information We Collect and Why
EMS collects nonpublic personal information from you only to the extent that you agree to provide it. That information includes information we get from you; information about transactions we process for you; and information from a consumer reporting agency. You provide some information directly to us through this website, like who you are, how we can contact you, what you sell, and how much you sell. You also provide information to us indirectly: by accessing this website, for example, you provide us with the IP address of the computer or device you use to connect with us. This information helps us to determine which of our services can be helpful to your business. We also ask for information that allows the money you earn from sales through EMS to end up in the right bank account. We know this information is sensitive and private. But without this information, we will not be able to serve you.
We use this information only for limited purposes such as:
- Giving you information about our services, and other information you request
- Processing transactions between you and your customers
- Providing customer service and support
- Assessing activity in your account for fraudulent activity
- Complying with federal, state and local laws (including credit reporting laws) and rules of VISA / MasterCard and other card brands.
- Users may “opt-out” of receiving some future communications from EMS by following the instructions below.
Who We Share With and Why
In general, and except for the situations specifically described below, we do not share any information about you or your business with anyone without your express consent. All financial companies need to share personal information to run their everyday business. We share some of your nonpublic personal information with nonaffiliated companies for our everyday business purposes such as processing transactions and maintaining account(s), fraud monitoring, and in responding to court orders and legal investigations, or reporting to credit bureaus. We share such information as needed to process transactions between you and your customers as you and your customer request or authorize, including the authorization, settlement, billing, processing, clearing, transferring, reconciling or collection of amounts charged, debited, or otherwise paid using a debit, credit, or other payment card, check, or account number, or by other payment means. The affiliates and nonaffiliated third parties with whom we share nonpublic personal information include nonaffiliated financial institutions and service providers directly involved in the transactions we process for you, including banks, the card brands, the automated clearing house, and payment gateways, as well as nonaffiliated non-financial companies such as security companies and direct marketers. Information about you or your business may also be shared in connection with any sale or transfer of all or substantially all of EMS’ assets or business. In all such situations, we stress the confidential nature of the information being shared.
What we do with former customer information
We are required by federal, state and local laws (including credit reporting laws) and rules of VISA / MasterCard and other card brands to retain information in our files for former customers. We treat the personal information of former customers the same way we treat such information for active customers.
How We Protect the Privacy of Current, Potential and Former Customer Information
Our website has industry standard security measures in place to protect against the unauthorized access to, and loss, misuse, and alteration of the nonpublic personal information and merchant account data we collect and acquire once you become a customer of EMS (including sales and transaction information). This current, potential and former customer information is maintained on EMS’ internal secure network that can be accessed and reviewed only by utilizing a unique user-ID and password. While there is no such thing as “perfect security” on the Internet, we will take all reasonable steps to insure the security of that information. However, we cannot guarantee the security of information provided over the Internet, and we will not be responsible for breaches of security beyond our reasonable control.
This Website Is Not For Children
Our services and website are not directed at nor are intended for anyone under the age of 18. We do not knowingly collect or maintain information at our website from children.
How to Contact Us or Opt-Out of Receiving Certain Communications
You may change or modify information about you or your business that you previously provided by emailing your request to firstname.lastname@example.org or calling us at 1-800-726-2117. You may also “opt-out” of receiving communications from us for marketing purposes by emailing your request to email@example.com or calling us at 1-800-726-2117.