This Privacy Policy (“Privacy Policy”) is an integral part of our End User Terms of Use (“Terms of Use”) or the Merchant Agreement (“Agreement”), as applicable (collectively the “Terms”) and governs the processing of information by EPITASIS MEDIA INC. (“Decline Defense,” “we,” “us,” or “our”) from you through the factoring services or otherwise when conducting a transaction through our platform or even simply when you visit our website, individually and collectively referred to herein as the “Services”. Any terms used herein and not defined shall have the meaning ascribed to them in the Terms.
Decline Defense may update or revise this Privacy Policy from time to time. Material modifications to this Policy will be posted on our website or addressed directly to you if technically possible.
1. APPLICABILITYThe Privacy Policy applies to data collected from:
Visitors: Individuals browsing our website - https://www.declinedefense.com (“Visitor(s)”);Merchants: Our customers and clients using our factoring services and implementing our technology on their website (“Merchant(s)” and “Merchant Website”); andEnd Users: The end users or consumers making purchases on the Merchant Website from which we process the payment (“Consumer(s)” or “End User(s)”).The Visitor, Merchant, and End User shall all be referred to herein as “you” unless otherwise set forth.
2. ADDITIONAL POLICIESIf you are a resident of California, please also review our CCPA Notice.
3. CONTACT DETAILS OF THE CONTROLL
EREPITASIS MEDIA INC.1417 SE 36TH TERRACE, CAPE CORAL, FL. US 33904
If you have any questions or comments about this Privacy Policy or any concerns with respect to how your privacy and information are handled, please contact our privacy team at:
legal@declinedefense.com.
4. WHICH DATA DO WE COLLECT AND FOR WHAT PURPOSE?“Non-Personal Data”: This means non-identifiable data, or aggregated data, such as the type of browser, type of operating system, type of device used, the time and date you access Services, navigation, language preference, etc.
“Personal Data”: This means individually identifiable information which identifies or may identify, with reasonable effort, an individual, such as your name, address, phone number, billing information, and including online identifiers (such as IP address).
Personal Data Collected:
From Merchants
From End Users
From Individuals browsing our Website (“Visitors”)
The actual processing operation for each purpose of use may differ, involving automated means
such as collection, storage, use, disclosure, erasure, or destruction.
We may also use certain Personal Data to prevent prohibited or illegal activities, fraud, misappropriation, infringements, identity thefts, and any other misuse of the Services, to enforce the Terms, protect our databases and Services, and to take precautions against legal liability.
5. HOW WE COLLECT INFORMATIONAutomatically: We may use cookies, pixels, and similar tracking technologies to gather some information automatically when you access our Website.
Provided by You: We collect information when you voluntarily provide it, such as during a checkout process or when you contact us.
Provided by Merchants or Third Parties: We receive information from Merchants or other third-party services, such as credit bureaus.
6. DATA SHARING – CATEGORIES AND RECIPIENTS WE SHARE PERSONAL DATA WITHWe share your data with trusted partners and service providers that help us provide our Services. For example:
Plaid Technologies, Inc.: We use Plaid to gather your data from financial institutions. By using our service, you grant Decline Defense and Plaid the authority to access and transmit your personal and financial information. You agree to Plaid's handling of your information as described in the Plaid Privacy Policy.
Service providers are required to secure the data they receive and use it only for pre-agreed purposes, ensuring compliance with applicable data protection regulations.
7. COOKIES
We and our third-party service providers may use cookies and other similar tracking technologies to gather, store, and track information related to your access, activity, and interaction with our website.
Cookies: Small pieces of information that a website assigns to your device while you access it. Cookies help navigate between pages efficiently, enable automatic activation of certain features, remember preferences, and make interactions with the website quicker and smoother. They are also used for advertising purposes, including personalized advertising.
Different types of cookies may be used on our website, including essential cookies, analytic and measurement cookies, and targeting and advertising cookies.
Find more information about cookies at www.allaboutcookies.org.
8. PERSONAL CREDIT AND BACKGROUND CHECKS
If you use our Services, you acknowledge and agree that we may perform initial and periodic background checks (“Background Check”) to determine your suitability for the Service. These checks may include reviewing your credit history, criminal records, publicly available information, data from third-party service providers, and whether you have been declared bankrupt. You agree to cooperate with Decline Defense regarding Background Checks. Decline Defense may keep and use this data to authorize future transactions.
9. YOUR RIGHTS
We recognize that different individuals have varying privacy concerns and preferences. Our goal is to be transparent about the information we collect so you can make informed choices. Depending on your relationship with Decline Defense, you may have different rights regarding your Personal Data.
You can exercise your rights by filling out the Data Subject Request (DSR) form.
If we cannot provide the information you request, we will explain why and inform you of your rights, including the right to complain to a supervisory authority. We may ask for reasonable evidence to verify your identity before providing such information.
10. RETENTIONWe retain Personal Data as long as necessary for the purposes stated above or until you request to opt-out, in accordance with applicable laws. We may delete or amend information at our discretion without notice once it is no longer necessary for our purposes.
11. SECURITY
We implement extensive security measures to protect against damage, loss, and unauthorized access or misuse of Personal Data. However, no security measures are completely fail-proof. While we strive to protect your data, we cannot guarantee absolute security against all potential threats.
