Privacy Policy

This policy (“Privacy Policy”) describes how Merchant Performance Group, and its wholly owned subsidiaries, (collectively “Company”) collects, receives, processes, uses, discloses, or shares your information.  When you use our sites, products, or services, or otherwise form a relationship with us, we may obtain data from you and the devices you are using to do so.

This policy is designed to provide transparency into our privacy practices and principles in a format you can navigate, read, and understand.  

We commit to treating your personal information with care and respect and encourage you to contact us using the methods provided should you have any questions or concerns about the use of your information. 

1. THE SCOPE OF THIS POLICY

This Privacy Policy describes the processing of information provided or collected on this Website or through our services. In some instances, we may provide additional data privacy notices specific to certain products, practices, or regions. Those terms should be read in conjunction with this Privacy Policy. 

This Privacy Policy does not cover any information that we may receive about you through sources other than the use of our Website, or services. The Website may link to other websites or mobile applications, but this Privacy Policy does not and will not apply to any of those linked websites or applications.

By continuing to use our Website, you acknowledge and agree to this Privacy Policy. This means that you also consent to the use of your information and the method of disclosure as described in this Privacy Policy. If you do not understand the Privacy Policy or do not agree to it then you agree to immediately cease your use of our Website.

We acknowledge our obligations to all recipients of our services, including visitors to this website, to collect, manage, process, and use their personal information (“Personal Data”) in accordance with the laws and regulations of each of the countries in which we operate.

2. YOUR PRIVACY RIGHTS

If you are a resident of certain states or countries, you may have the right to know, access, correct, transfer, restrict the processing of, opt-out  from certain types of processing (e.g., targeted advertising, the sale of personal data, limit the use and disclosure of sensitive information, and profiling, as defined by the applicable state law(s)), and delete your personal information. If you choose to exercise any of these options, we will not discriminate against you for making that decision. 

You can exercise your privacy rights by clicking emailing us at the email address at the bottom of this page. When we receive a request to exercise a privacy right, we will review information we have collected about you (if any) with identifying information you may have provided us (such as email address, mailing address, zip code) to authenticate your identity.  If you use an authorized agent to submit a request, we may require the authorized agent to provide proof that you gave the agent signed permission to submit the request. We may also require you to directly confirm with us that you provided the authorized agent permission to submit the request. 

There may be situations where we cannot grant your request. In such a situation, we will explain our reasoning to you and will honor your right to appeal where applicable. 

3. INFORMATION COLLECTED AUTOMATICALLY

In the preceding 12 months, Company may have collected or processed the categories of personal information that are identified below. We generally collect the information listed below to secure, improve, and provide our services to our customers.

• Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address or other similar identifiers. 
• Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an internet website application, or advertisement.
• Geolocation data, such as IP address. 
• Inferences data, drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
• Cookies: We may collect information from you through automatic tracking systems (such as information about your browsing preferences) as well as through information that you volunteer to us (such as information that you provide during a registration process or at other times while using the Website, please see more below under Section 9).

For example, we use cookies to make your browsing experience easier and more intuitive: cookies are small strings of text used to store some information that may concern the user, his or her preferences or the device they are using to access the Internet (such as a computer, tablet, or mobile phone). Cookies are mainly used to adapt the operation of the site to your expectations, offering a more personalized browsing experience and memorizing the choices you made previously.

1. Log Data: Like all websites and mobile applications, this Website also makes use of log files which store automatic information collected during user visits. The different types of log data could be as follows:
   • internet protocol (IP) address;
   • type of browser and device parameters used to connect to the Website;
   • name of the Internet Service Provider (ISP);
   • date and time of visit;
   • web page of origin of the user (referral) and exit;
   • possibly the number of clicks.

The aforementioned information is processed in an automated form and collected in an exclusively aggregated manner in order to verify the correct functioning of the site, and for security reasons. This information will be processed according to our legitimate interests.

For security purposes (spam filters, firewalls, virus detection), the automatically recorded data may also possibly include Personal Data such as IP address, which could be used, in accordance with applicable laws, in order to block attempts at damage to the Website or damage to other users, or in the case of harmful activities or crime. Such data are never used for the identification or profiling of the user, but only for the protection of the Website and our users. Such information will be treated according to our legitimate interests.

4. PERSONAL DATA WE MIGHT RECEIVE FROM YOU

Depending on how you use our Website, you will be subject to different types of Personal Data collected and different manners of collection:

1. All users: As a passive user of the website, you may still be subject to certain passive data collection (“Passive Data Collection”). Such Passive Data Collection may include through cookies, as described in Sections 3 and 9, IP address information, location information, and certain browser data, such as history and/or session information. The Passive Data Collection does apply to all visitors of our Website.
2. Associated corporations: We may share your Personal Data, including Personal Data that identifies you personally, with any of our parent companies, subsidiary companies, affiliates, or other trusted related entities.
3. However, we only share your Personal Data with a trusted related entity if that entity agrees to our privacy standards as set out in this Privacy Policy and to treat your Personal Data in the same manner that we do.
4. Email advertisement: You may be asked to provide certain Personal Data, such as your name and email address, for the purpose of receiving email marketing communications. This information will only be obtained through your voluntary disclosure. 
5. Collective or aggregated information: We may combine or aggregate some of your Personal Data in order to better serve you and to better enhance and update our Website for your and other consumers’ use. We may also share such aggregated information with others.

5. THIRD PARTIES

We may utilize third party service providers (“Third Party Service Providers”), this to help us with our Website, and to help serve you.

We may use Third Party Service Providers to assist with information storage (such as cloud storage).

We may provide some of your Personal Data to Third Party Service Providers in order to help us track usage data, such as referral websites, dates and times of page requests, etc. We use this information to understand patterns of usage of, and to improve, the Website.

We may use Third Party Service Providers to host the Website. In this instance, the Third Party Service Provider will have access to your Personal Data.

We only share your Personal Data with a Third Party Service Provider if that provider agrees to our privacy standards as set out in this Privacy Policy.

Notwithstanding the other provisions of this Privacy Policy, we may provide your Personal Data to a third party or to third parties in order to protect the rights, property or safety, of us, our customers or third parties, or as otherwise required by law.

We will not knowingly share your Personal Data with any third parties other than in accordance with this Privacy Policy.

If your Personal Data might be provided to a third party in a manner which is other than as explained in this Privacy Policy, you will be notified. You will also have the opportunity to request that we not share that information.

6. HOW WE DISCLOSE INFORMATION

In the process of providing services to you we may disclose your information to our subsidiaries and affiliates, along with our service providers and third parties. We may also disclose your information with service providers and third parties when necessary to comply with laws and regulations; respond to subpoenas and court orders; exercise our legal rights or defend against legal claims; investigate, prevent, or take action regarding illegal activities, suspected fraud, potential threats to our property or the physical safety of any person, or violations of our usage instructions and applicable terms and conditions; facilitate the financing or insuring of our business or a disposition of all or part of our business or assets, or as otherwise permitted or required by law. We may disclose anonymized or aggregated data at our discretion, in accordance with applicable laws. 

7. YOUR CONTROLS AND CHOICES

You can control how and when you want to receive marketing emails from Company by clicking informing us directly.  This will not affect your receipt of administrative emails (for example, emails about your request for services or our policy changes).

8. OUR COMMITMENT TO PROTECTING INFORMATION BELONGING TO CHILDREN

Our services are not intended for children. We do not knowingly collect information via our website and services from children. If you use our services, you represent that you are at least the age of majority under the laws of the jurisdiction of your place of residence. If you believe your child has provided us with personal information or violation of applicable law, please alert us at the email address at the bottom of this page and we will promptly take steps to delete such information and.

9. COOKIES AND OTHER TECHNOLOGIES

Cookies are identifiers we transfer to your browser or device that allow us to recognize your browser or device and tell us how and when pages and features in our services are visited and by how many people. You may be able to change the preferences on your browser or device to prevent or limit your device’s acceptance of cookies, but this may prevent you from taking advantage of some of our features. We recommend you keep cookies activated. We have broken up our cookies into categories to help you understand what they do. 

• Essential: These cookies cannot be deactivated as they are required to use our services. For example, they are necessary to access and use our website and login to your account.
• Performance: These cookies track how you interact with our website. For example, these cookies let us know which pages on our website load slowly or are not optimized for mobile use. We use this information to make improvements to our user experience.
• Functionality: These cookies track information about you to make using our website easier. For example, we may retain information such as your login status and viewing preferences.
• Marketing and Analytics: These cookies help us create targeted advertising experiences on our website.

A cookie consists of a reduced set of data transferred to your browser from a web server and it can only be read by the server that made the transfer. This is not executable code and does not transmit viruses.

Cookies do not record or store any Personal Data. If you want, you can prevent the use of cookies, but then you may not be able to use our Website as we intend. To proceed without changing the options related to cookies, simply continue to use our Website.

1. Technical cookies: Technical cookies, which can also sometimes be called HTML cookies, are used for navigation and to facilitate your access to and use of the site. They are necessary for the transmission of communications on the network or to supply services requested by you. The use of technical cookies allows the safe and efficient use of the site.
   
   You can manage or request the general deactivation or cancelation of cookies through your browser. If you do this though, please be advised this action might slow down or prevent access to some parts of the site.
   
   Cookies may also be retransmitted by an analytics or statistics provider to collect aggregated information on the number of users and how they visit the Website. These are also considered technical cookies when they operate as described.
   
   Temporary session cookies are deleted automatically at the end of the browsing session – these are mostly used to identify you and ensure that you don’t have to log in each time – whereas permanent cookies remain active longer than just one particular session.
   
2. Third-party cookies: We may also utilize third-party cookies, which are cookies sent by a third-party to your computer. Permanent cookies are often third-party cookies. The majority of third-party cookies consist of tracking cookies used to identify online behavior, understand interests and then customize advertising for users.
   
   Third-party analytical cookies may also be installed. They are sent from the domains of the aforementioned third parties external to the site. Third-party analytical cookies are used to detect information on user behavior on our Website. This place anonymously, in order to monitor the performance and improve the usability of the site. Third-party profiling cookies are used to create profiles relating to users, in order to propose advertising in line with the choices expressed by the users themselves.
   
3. Profiling cookies: We may also use profiling cookies, which are those that create profiles related to the user and are used in order to send advertising to the user’s browser.
   
   When these types of cookies are used, we will receive your explicit consent.
   
4. Support in configuring your browser: You can manage cookie through the settings of your browser on your device. However, deleting cookies from your browser may remove the preferences you have set for this Website.
   For further information and support, you can also visit the specific help page of the web browser you are using:
   • Internet Explorer: http://windows.microsoft.com/en-us/windows-vista/block-or-allow-cookies
   • Firefox: https://support.mozilla.org/en-us/kb/enable-and-disable-cookies-website-preferences
   • Safari: http://www.apple.com/legal/privacy/
   • Chrome: https://support.google.com/accounts/answer/61416?hl=en
   • Opera: http://www.opera.com/help/tutorials/security/cookies/

10. HOW WE STORE PERSONAL DATA 

We use secure physical and digital systems to store your Personal Data when appropriate. We ensure that your Personal Data is protected against unauthorized access, disclosure, or destructions.

Please note, however, that no system involving the transmission of information via the internet, or the electronic storage of data, is completely secure. However, we take the protection and storage of your Personal Data very seriously. We take all reasonable steps to protect your Personal Data.

Personal Data is stored throughout your relationship with us. We delete your Personal Data upon request for cancelation of your account or other general request for the deletion of data.

In the event of a breach of your Personal Data, you will be notified in a reasonable time frame, but in no event later than two weeks, and we will follow all applicable laws regarding such breach.

11. DATA TRANSFER PRACTICES

We store and process your personal information on our servers located within the United States by default for the purposes described in this Privacy Policy. By using our websites, products, or services, you agree to the global transfer, process, and storage of your personal information. 

12. MODIFICATIONS AND REVISIONS

We reserve the right to modify, revise, or otherwise amend this Privacy Policy at any time and in any manner. Unless we specifically obtain your consent, any changes to the Privacy Policy will only impact the information collected on or after the date of the change. It is also your responsibility to periodically check this page for any such modification, revision or amendment.

13. CONTACT INFORMATION

If you have any questions about these Terms, please contact us at:
Merchant Performance Group Jumeirah Lakes Tower, Dubai, United Arab Emirates
[email protected]

14. EFFECTIVE DATE

This Privacy Policy is effective as of 1st of January 2025.