Privacy Policy
Welcome! Merchant Resource Group, Inc. (“Merchant Resource Group” or “we”) is committed to respecting your privacy. Please read this Privacy Policy to learn how we collect and process personal information about you when you visit https://merchantresource.com (“Website”) and use our data management and related services and how you can exercise your privacy rights.
INFORMATION WE COLLECT
The information we collect depends on how and why you use our services. In general, we collect personal information from or about you for the purposes described in this Privacy Policy or for purposes that we explain to you when or before we collect your personal information.
- We collect the information that you provide to us. For example, if you inquire about our services, Merchant Resource Group may collect your name, telephone number, email address and other information that you choose to give us to respond to the inquiry.
- We automatically collect information about your use of our services. We automatically collect certain information from your computer or mobile device when you use our Website. Some of this automatically collected information is personal information under certain laws. The information that we collect automatically includes:
- Information about how your computer or device interacts with our Website, including the date, time, search requests and results, webpages accessed and links clicked.
- Depending on the settings of your computer or mobile device, we also automatically collect: Internet Protocol (IP) address; MAC address; device make, model and operating system version; mobile network information; internet service provider; browser type and language; country and time zone in which the device is located; and metadata stored on the device.
- This information is collected through cookies and other data collection technology, as described below.
- We collect information from other sources and combine it with information we or our clients collect from or about you. When the combined information directly or indirectly identifies you, we treat it as personal information.
We also may collect information in other ways that are disclosed to you at the time information is collected from you or with your consent.
OUR USE OF COOKIES AND OTHER DATA COLLECTION TECHNOLOGY
We use cookies, pixel tags (also known as web beacons or clear GIFs) and similar data collection technology.
What are cookies and pixels?
Cookies are small text files that are sent to or accessed from your web browser or your computer’s hard drive. A cookie typically contains the name of the domain (internet location) from which the cookie originated, the “lifetime” of the cookie (i.e., when it expires) and a randomly generated unique number or similar identifier. A cookie also may contain information about your computer, such as settings, browsing history and activities conducted while using the website.
“Pixels” (also known as web beacons) are transparent images that are used in collecting information about website usage across websites and over time.
Cookies that Merchant Resource Group sets on our Website are called first-party cookies. They enable us to track how often users are using our Website and the specific pages visited and other user preferences and actions.
Cookies set by any other party are called third-party cookies. Third-party cookies enable third-party features or functionality on or through our services, such as analytics, marketing automation and customer support. The parties that set third-party cookies can recognize your computer as you navigate across websites. When Merchant Resource Group sets a cookie on a third party’s website, that cookie also is a third-party cookie.
We also use Google Analytics on our Website, which is a Google service that collects aggregate information about use of our services and reports website trends. Google Analytics does not directly identify individual users. You can learn about Google’s practices at https://safety.google/privacy/privacy-controls.
You can refuse to use cookies by turning them off in your browser. Most browsers accept cookies automatically but allow you to disable them. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. You do not need to have cookies turned on to use our services, although some features of our services may not work properly without cookies. You also can opt-out of certain cookies using the following link: http://optout.networkadvertising.org/?c=1. To learn more about cookies generally, visit www.allaboutcookies.org and http://optout.aboutads.info/?c=2&lang=EN.
Our Policy On Do Not Track Signals.
Some web browsers (including Safari, Internet Explorer, Firefox and Chrome) incorporate a “Do Not Track” (“DNT”) or similar feature that signals to websites that a user does not want to have his or her online activity and behavior tracked. If a website that responds to a particular DNT signal receives the DNT signal, the browser can block that website from collecting certain personal information about the browser’s user. Not all browsers offer a DNT option and DNT signals are not yet uniform. For this reason, many website operators, including Merchant Resource Group, do not respond to DNT signals.
HOW WE USE INFORMATION
We use the information we collect to operate our services, including:
To communicate with you
- Respond to your requests or provide you with information that you request
- Communicate with you about our services that we think may interest you or about updates to our services
To improve our services
- Maintain our Website
- Analyze users’ behavior through our use of cookies to improve our services
- To support our clients’ efforts to understand their customers and generate new ones
To prevent, detect and fight fraud or other illegal or unauthorized activities
- Prevent, detect, identify, investigate, respond and protect against potential or actual claims, liabilities, prohibited behavior and criminal activity
We also may use information that we collect to comply with legal requirements or to enforce or exercise our rights.
HOW WE SHARE INFORMATION
- Our vendors. We disclose information to the vendors that help us offer our services. We require all of our vendors to adhere to confidentiality and data protection obligations that are consistent with this Privacy Policy. Our vendors include cloud storage providers; data analytics providers; CRM system services; customer billing services; social media and related marketing services; IT service and security vendors.
- Promotional partners and affiliates. We may collect and aggregate information about users of our services and share it with our promotional partners and affiliates but, in general, this aggregated information does not include information that directly identifies any individual person.
- For corporate transactions. We may transfer information if we are involved, whether in whole or in part, in a merger, sale, acquisition, divestiture, restructuring, reorganization, dissolution, bankruptcy or other change of ownership or control.
- When required by law. Applicable law may require us and our service providers to disclose information if: (i) reasonably necessary to comply with a legal process, such as a court order, subpoena or search warrant, government or regulatory investigation or request or similar requirements; or (ii) necessary for the prevention or detection of crime (subject to applicable law).
- To enforce legal rights. We may also share information: (i) if disclosure would mitigate our liability in an actual or threatened lawsuit; (ii) as necessary to protect our legal rights and legal rights of our users, business partners or other interested parties; (iii) to enforce our agreements with you; and (iv) to investigate, prevent or take other action regarding illegal activity, suspected fraud or other wrongdoing.
We may ask for your consent to share information collected through our services with third parties in ways not described in this Privacy Policy. When we do, we will make clear why we want to share the information.
HOW WE PROTECT AND RETAIN INFORMATION
We use physical, technical and organizational measures designed to protect information against unauthorized access, theft and loss. We restrict access to information to those employees who need to know that information to perform their job functions. Although we take precautions intended to help protect information that we process, no system or electronic data transmission is completely secure. Any transmission of your information is at your own risk. Please use appropriate security measures to protect your personal information. If you have questions or concerns about our security practices, please contact us at info@merchantresource.com. We will retain your information for the period necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
CHILDREN’S PRIVACY
Merchant Resource Group does not knowingly collect personal information from children under age 13. If we learn that a minor has provided us with information, we delete the minor’s personal information from our records.
YOUR CHOICES ABOUT YOUR PERSONAL INFORMATION
Please contact us at info@merchantresource.com if you would like to opt-out of our sale of personal information or if you’d like to review, correct or delete personal information about you collected by us if and when these rights are provided to you by law. In your request, please make clear the personal information about you to which your request relates and the actions you would like us to take. For your protection, we will attempt to verify your identity before fulfilling your request. Please note that we often need to retain certain information for recordkeeping purposes and our databases and other records may have residual information that we will not remove. We also may not allow you to review, correct or delete certain information for legal, security or other reasons. If at any time you believe that we have not adhered to this Privacy Policy, please let us know. We will use good faith efforts to determine and correct the problem.
IF YOU ARE LOCATED IN ANY MEMBER STATE THAT IS PART OF THE EUROPEAN ECONOMIC AREA OR ANY MEMBER STATE THAT HAS ADOPTED THE GENERAL DATA PROTECTION REGULATION, YOU ARE NOT PERMITTED TO PROVIDE PERSONAL DATA TO US.
OTHERWISE, IF YOU ARE LOCATED IN A JURISDICTION WITH DATA PROTECTION LAWS THAT OFFER YOU PRIVACY RIGHTS NOT DESCRIBED IN THIS PRIVACY POLICY, PLEASE CONTACT US
AT info@merchantresource.com. We respect your privacy rights and will do our best to accommodate your requests.
CALIFORNIA RESIDENTS
This California Privacy Rights Notice (“California Privacy Notice”) applies to Merchant Resource Group’s processing of personal information (as defined below) of residents of the State of California as required by the California Consumer Privacy Act of 2018 (“CCPA”). If you are a California Consumer (as defined below), this California Privacy Notice explains your privacy rights, how and why we collect and process your personal information and how you can exercise your privacy rights.
Definitions for this California Privacy Notice
- CCPA defines California residents as “consumers” and we refer to them in this California Privacy Notice as “California Consumers.”
- The term “business” in the CCPA means the person or entity that operates in California and collects (or has collected) personal information and determines how and why that personal information is used. Generally, Merchant Resource Group is the “business” for information it collects on the Website or acquires from third parties.
- Under the CCPA “personal information” means information that identifies, relates to, describes or could reasonably be linked, directly or indirectly, with a particular California Consumer, household or device.
- The term “service provider” in the CCPA means a person or entity that receives personal information from a business and can only use that personal information to perform services for the business or to build and improve its products and services, detect and protect against data security incidents and other limited purposes. Generally, Merchant Resource Group is the “service provider” for information it collects on behalf of clients.
Your California Consumer Privacy Rights
If you are a California Consumer, you have these privacy rights with respect to your personal information:
- You have the right to know the categories of personal information directly or indirectly collected from you in the past year, the purpose for collecting your personal information and how your personal information is used. The personal information that Merchant Resource Group collects when acting as a business and why we collect it is set forth in the table below. The sources from which we collect personal information are described above.
- You have the right to know whether your personal information was disclosed for a business purpose and to whom or what entity the personal information was disclosed.
- You have the right to request deletion of certain personal information collected from you.
- You have the right to opt out of sale of your personal information when a business sells your personal information.
- Sharing your personal information with our service providers is not a sale of your personal information because we make sure that our service providers are contractually obligated to use the personal information only to provide services to us and not to sell it.
- You have the right to equal treatment after you exercise any of these rights. That is, we cannot treat you differently for exercising any of these rights unless we demonstrate that the value of the personal information that you provide to us is reasonably related to the difference in price or service that we offer.
We currently do not offer financial incentives or price or service differences in exchange for personal information. If we ever do, we will notify you in advance before collecting your personal information for this purpose and explain how you can opt in to the financial incentive or price or service difference.
Personal Information Collected from California Consumers
The following table lists categories of personal information that generally match the categories in the definition of personal information in the CCPA. We indicate for each listed category the specific types of personal information in the category that we have collected from California Consumers within the past 12 months in our role as a business and why we collect it.
| CCPA Category of Personal Information | Personal Information in CCPA Category that Merchant Resource Group Collected from California Consumers in Past 12 Months | Why Merchant Resource Group collects this Personal Information |
| A. Identifiers | Depending on how you use our Website, we collect name, alias, business postal address, unique personal identifier, unique online identifiers, Internet Protocol address, cookie ID, advertising ID, computer and mobile device identifiers, and RFID numbers.
|
To provide and promote our services. To respond to requests and send you information and updates about our services that we think will interest you.
To obtain your feedback regarding our services so that we can improve our features and develop new ones. Prevent, detect, identify, investigate, respond and protect against potential or actual claims, liabilities, prohibited behavior and criminal activity. When you choose to give it to us. |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) | Depending on how you use our Website, we may collect name, signature, business address and business telephone number from representatives of customers and prospective customers. We do not collect social security numbers or physical characteristics or descriptions. | For the reasons described in Row A above. |
| C. Protected classification characteristics under California or federal law | None | N/A |
| D. Commercial information | Records of services purchased. | To operate and promote our services. |
| E. Biometric information | None | N/A |
| F. Internet or other similar network activity | Browsing history, search history, information about a California Consumer’s interaction with a website, application or advertisement.
|
To provide and promote our services.
To obtain your feedback regarding our services so that we can improve our features and develop new ones. To understand more about you so that we can better target advertising to you. Prevent, detect, identify, investigate, respond and protect against potential or actual claims, liabilities, prohibited behavior and criminal activity. |
| G. Geolocation data | We may determine general physical location or movements from IP address. | To understand more about you so that we can better target advertising to you.
|
| H. Audio, electronic, visual, thermal, olfactory or similar information. | None | N/A |
| I. Professional or employment-related information | None | N/A |
| J. Non-public education information per the Family Educational Rights and Privacy Act (20 U.S.C. § 1232g, 34 C.F.R. Part 99)(“FERPA”)) | None | N/A |
| K. Inferences drawn from other categories (A – J above) to create a profile about a consumer | We collect information about your browsing history, including IP address, web pages that you visit, the time and date, and whether or not you clicked on various advertisements when you visit our services or any Customer Site. | To customize your experience with the Website, to improve the Website, to develop new services and to analyze your actual or likely preferences through the personal information we collect and process as described above. |
Our use of cookies may be considered a “sale” of personal information under CCPA. If you want to opt-out, please click the “DO NOT SELL MY INFORMATION” button at the bottom of the Website.
HOW TO SUBMIT A REQUEST TO EXERCISE YOUR CALIFORNIA PRIVACY RIGHTS
To submit a request to exercise your privacy rights:
- Send an email to info@merchantresource.com with the subject line “California Privacy Rights Request.”
- Call us via our toll-free telephone number at 1-888-367-6911.
- Click the “DO NOT SELL MY INFORMATION” button at the bottom of the Website.
Please note:
- We may (and in some cases are required to) verify your identity before we can act on your request to exercise your privacy rights.
- We may not honor all or part of your request. For example, certain information we collect may be exempt from this California Privacy Notice, such as public information made available by a government entity or information covered by another privacy law. Please also note that Personal Information collected in many types of B2B transactions is exempt from most of CCPA’s requirements until January 1, 2021. If we do not honor your request, we will explain why when we respond to you.
If you are a California resident, California’s Civil Code Section 1798.83 permits you to request a notice disclosing the categories of personal information about you that we have shared with third parties for their direct marketing purposes during the preceding calendar year. If you would like to exercise your rights under this California law, please send a written request to the email address or postal address below or call us at the telephone number below. Within 30 days of receiving your request, we will provide you with the relevant information.
Our Address:
Merchant Resource Group, Inc.
100 Summit Drive, Suite 100
Burlington, MA 01803
Email: info@merchantresource.com with a subject line of “California Privacy”.
INTERNATIONAL USERS
The Website is controlled, operated and administered by Merchant Resource Group from its offices in the United States. We make no representation that any content available through our services is appropriate or available for use outside the United States. You are prohibited from accessing our services or its content from territories where such access is illegal. You may not use our services in violation of U.S. export laws and regulations. If you access our services from a location outside the United States, you are responsible for compliance with all applicable laws. If you are located in any member state that is part of the European Economic Area or any member state that has adopted the General Data Protection Regulation, you are not permitted to provide personal data to us.
LINKS TO OTHER WEBSITES
The Website may include links to third-party websites that are not operated by us. When you use a third-party website, you are subject to its privacy practices and policies, not ours. This Privacy Policy does not apply to any information that you provide to websites that are not operated by Merchant Resource Group.
UPDATES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time in response to changing legal, technical or business developments. When we update our Privacy Policy, we will post the updated version and change the Effective Date above. We also will take appropriate measures to inform you in advance so that you have an opportunity to review the revised Privacy Policy before it is effective. If your consent is required by applicable privacy laws, we will obtain your consent to changes before the revised Privacy Policy applies to you.
QUESTIONS?
If you have any questions about this Privacy Policy or our services, please contact us at:
Merchant Resource Group, Inc.
100 Summit Drive, Suite 100
Burlington, MA 01803
info@merchantresource.com
