Privacy Policy

Your privacy is important to Cardknox Development Inc. (“CARDKNOX”, “we”, “us”). Our goal is to provide you with a personalized online experience that provides you with the information, resources, and services that are most relevant and helpful to you. This Privacy Policy (the “Privacy Policy”) has been written to describe the conditions under which this web site (the “Web site”) and other CARDKNOX resources and services, including payment gateway services, (the “Services”) are being made available to you. The Privacy Policy discusses, among other things, how data obtained during your visit to this Web site or through your use of the Services, may be collected and used. We strongly recommend that you read the Privacy Policy carefully. By using this Web site, or by using the Services, you agree to be bound by the terms of this Privacy Policy. If you do not accept the terms of the Privacy Policy, you are directed to discontinue accessing or otherwise using the Web site, the Services, or any materials obtained from them. If you are dissatisfied with the Web site or the Services, by all means contact us at info@cardknox.com; otherwise, your only recourse is to disconnect from this site or the Services and refrain from visiting the site, or using the Services, in the future.

The process of maintaining a Web site, or the Services, is an evolving one, and CARDKNOX may decide at some point in the future, without advance notice, to modify the terms of this Privacy Policy. Your use of the Web site, or materials obtained from the Web site, or the Services, indicates your assent to the Privacy Policy at the time of such use. The effective Privacy Policy will be posted on the Web site, and all relevant Cardknox Services, and you should check upon every visit for any changes.

  1. Non-personal information is data about usage and service operation that is not directly associated with a specific personal identity. CARDKNOX may collect and analyze non-personal information to evaluate how visitors use the CARDKNOX Website.

2.1. CARDKNOX may gather aggregate information, which refers to information your computer automatically provides to us and which cannot be tied back to you as a specific individual. Examples include referral data (the Web sites you visited just before and just after our site), the pages viewed, time spent at our Web site, and Internet Protocol (IP) addresses. An IP address is a number that is automatically assigned to your computer whenever you access the Internet. For example, when you request a page from one of our sites, our servers log your IP address to create aggregate reports on user demographics and traffic patterns and for purposes of system administration. Important Notice: If you are a citizen of a country located within the European Economic Area (EEA), please see Section 7 below (“EU General Data Protection Regulation (GDPR)”)  regarding how our collection of such information, including IP addresses, relates to you.

2.2 CARDKNOX may also obtain information from merchants or vendors who use the Services (“Users”) and from the customers of such Users (“Customers”). If you are a Customer, when you make payments or transactions utilizing the User’s website or payment application, CARDKNOX will collect some of your transaction information. Cardknox will not collect this information directly from you, but, rather, through the User. Your agreement with the User should explain how the User shares your information with CARDKNOX. If you have any questions regarding the User’s sharing of your information with CARDKNOX, you should direct such questions to the User. Depending on how the User implements the Services, CARDKNOX may collect this information directly from you or from the User. CARDKNOX collects this information in accordance with the rules and regulations of the Card Brands, including Visa, MasterCard, Discover, and American Express. CARDKNOX must collect this information in order for your payment or transaction to be approved by the appropriate Card Association. CARDKNOX discloses your information to the relevant Card Brand, but only to the extent necessary for your transaction to be approved. The type of information that we collect may include payment method information (such as credit or debit card number or bank account information), transaction amount, and date of transaction. Depending on the transaction, we may also collect your name, email address, billing or shipping address, or your transaction history with that respective User. Different transaction methods may require the collection of various categories of information. The User may determine the transaction methods made available to you. The type of transaction information we collect will directly depend on those payment methods utilized.

  1. Every time you request or download a file from the Web site, CARDKNOX may store data about these events and your IP address in a log file. CARDKNOX may use this information to analyze trends, administer the Web site, track users’ movements, and gather broad demographic information for aggregate use or for other business purposes.
  2. Our site may use a feature of your browser to set a “cookie” on your computer. Cookies are small packets of information that a Web site’s computer stores on your computer. CARDKNOX’s Web site can then read the cookies whenever you visit our site. We may use cookies in a number of ways, such as to save your password so you don’t have to re-enter it each time you visit our site, to deliver content specific to your interests and to track the pages you’ve visited. These cookies allow us to use the information we collect to customize web experience so that your visit to our site is as relevant and as valuable to you as possible. Most browser software can be set up to deal with cookies. You may modify your browser preference to provide you with choices relating to cookies. You have the choice to accept all cookies, to be notified when a cookie is set or to reject all cookies. If you choose to reject cookies, certain of the functions and conveniences of our Web site may not work properly, and you may be unable to use services that require registration in order to participate, or you will have to re-register each time you visit our site. Most browsers offer instructions on how to reset the browser to reject cookies in the “Help” section of the toolbar. We do not link non-personal information from cookies to personally identifiable information without your permission.
  3. CARDKNOX may use personal information to offer or provide services that support its activities or those of CARDKNOX participants or members, and their collaboration with CARDKNOX. When accessing restricted CARDKNOX Web pages and portals, your personal user information may be tracked in order to support collaboration, ensure authorized access, and enable communication among participants or members.
  4. CARDKNOX does not sell, rent, or lease any individual’s personal information or lists of email addresses to anyone for marketing purposes, and we take commercially reasonable steps to maintain the security of this information. However, CARDKNOX reserves the right to supply any such information to any organization into which CARDKNOX may merge in the future or to which it may make any transfer in order to enable a third party to continue part or all of CARDKNOX. We also reserve the right to release personal information to protect our systems or business, when we reasonably believe you to be in violation of our Terms of Use or if we reasonably believe you to have initiated or participated in any illegal activity. In addition, please be aware that in certain circumstances, CARDKNOX may be obligated to release your personal information pursuant to judicial or other government subpoenas, warrants, or other orders.
  5. EU General Data Protection Regulation (“GDPR”).

7.1 General. Although CARDKNOX does not actively market or sell our Services or products in the European Economic Area (“EEA”), we may, in order to continue serving an existing business relationship, collect or transfer personal information from Customers located within the EEA (“Data Subjects”).  Personal information that may be collected by us from a Data Subject in the EEA may include: name, billing and/or shipping address, IP address, phone number, email address, payment method information (such as credit or debit card number or bank account information), transaction amount, date of transaction, and transaction history with a specific User.

7.2 Lawful Grounds to Process and Obtain Consent. Data Subjects whose personal information is collected in the EEA may withdraw consent at any time where consent is the lawful basis for processing the Data Subject’s information.  Should a Data Subject withdraw consent for processing or otherwise object to processing that impedes our ability to comply with applicable regulations, a Data Subject may be unable to avail him/herself of our Services or products.

7.3 Data Subjects’ Rights. All individuals whose personal information is held by CARDKNOX have the right to:

  • Ask what information CARDKNOX holds about them and why;
  • Ask for a copy of such information or access to such information;
  • Be informed how to correct or keep that information up to date;
  • Be informed on how CARDKNOX is meeting its data protection obligations.

Furthermore, for data collected in the EEA, Data Subjects have the right to:

  • Ask for a copy of such information to be sent to a third party;
  • Ask for data to be erased if possible and required under GDPR;
  • Ask for processing of personal information to be restricted if possible and required under GDPR;
  • Object to processing of personal information if possible and required under GDPR;
  • Object to automated decision-making where applicable; and
  • Contact a supervisory authority in the EEA to lodge a complaint regarding CARDKNOX’s processing of your personal data.

7.4 Non-Disclosure of Information. CARDKNOX does not share any nonpublic personal information with any nonaffiliated third parties, except in the following circumstances:

  • As necessary to provide the service that a Customer or Data Subject has requested or authorized, or to maintain and service the Customer’s Data Subject’s account;
  • As required by regulatory authorities or law enforcement officials who have jurisdiction over CARDKNOX and its affiliates or as otherwise required by any applicable law; and
  • To the extent reasonably necessary to prevent fraud and unauthorized transactions.

CARDKNOX employees are prohibited, both during and after termination of their employment, from disclosing nonpublic personal information to any person or entity outside CARDKNOX, including family members, except under the circumstances described above.  An employee is permitted to disclose nonpublic personal information only to such other employees who need to have access to such information to deliver our Services to the Customer or Data Subject.

7.5 Contact Information for Persons Located Within the EEA. If you are located in the (“EEA”) or Switzerland and have questions or concerns regarding the processing of your personal information, you may contact us at: legal@cardknox.com (reference “GDPR” in the subject line), or write to us at: Cardknox Development Inc., 465 Oak Glen Road, Howell, New Jersey 07731 USA. If as an EEA Citizen, you believe that we have not adequately resolved any such issues, you have the right to contact the EU supervisory authority.

  1. We respect the privacy of every individual who uses the Site and we will only process and use the data obtained through the Site for our own business purposes. CARDKNOX uses a variety of means to protect personal information provided by users of the Web site, including using firewalls and other security measures on its servers.

[Last Updated: August 2019]