Payment Defender respects the privacy of website visitors, prospective customers, business customers, partners, and other individuals who interact with us.
This Privacy Policy describes how Payment Defender, referred to in this policy as “Payment Defender,” “we,” “us,” or “our,” collects, uses, discloses, retains, and protects personal information through our websites, communications, and services.
“Personal information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked to an individual or household. Personal information does not include information that has been aggregated or deidentified so that it cannot reasonably be associated with an individual.
Scope of This Privacy Policy
This Privacy Policy applies when you:
- Visit a Payment Defender website
- Submit a contact, support, demo, or partner inquiry
- Subscribe to communications when that option is available
- Communicate with Payment Defender by email or another approved channel
- Use a Payment Defender account, platform, or service when available
- Interact with Payment Defender on behalf of a business customer, prospective customer, service provider, or partner
This Privacy Policy does not govern the independent privacy practices of Payment Defender customers, card networks, issuers, acquirers, processors, gateways, alert providers, or other third parties.
Business customers may provide or make information available to Payment Defender in connection with payment-risk, dispute, fraud, refund, transaction, monitoring, or support workflows. When Payment Defender processes that information on behalf of a business customer, the customer generally determines the purposes and means of the processing, subject to the applicable agreement. Individuals should review the customer’s privacy notice and direct requests concerning customer-controlled information to that customer.
Information We Collect
The information Payment Defender collects depends on how you interact with us, the services involved, and the information made available by you, your organization, or an authorized service provider.
Contact and Business Information
We may collect your name, business email address, business telephone number, company name, job title, industry, website, country or region, and information about your relationship with Payment Defender.
Communications and Request Information
We may collect the information you include in contact forms, support requests, demo requests, partner inquiries, emails, meeting requests, feedback, survey responses, and other communications.
This may include the subject of your request, the products or services involved, your preferred contact method, and any files or supporting information you choose to provide.
Do not send full payment-card numbers, passwords, Social Security numbers, government identification numbers, or other highly sensitive information through a public website form or ordinary email.
Website and Device Information
When you use our website, our systems and approved service providers may automatically receive information such as:
- Internet Protocol address
- Browser type and version
- Device type
- Operating system
- Language and regional settings
- Referring and exit pages
- Pages viewed
- Dates and times of visits
- Approximate location derived from an Internet Protocol address
- Website interactions
- Error and diagnostic information
- Cookie or similar technology identifiers when those technologies are used
Product and Service Usage Information
When you use a Payment Defender service, we may collect information about how the service is accessed and used, including account activity, feature usage, configuration information, support history, system events, security events, and operational logs.
The available information depends on the customer’s configuration, authorized integrations, and the services being used.
Payment-Risk and Transaction Information
When provided by or on behalf of a business customer, Payment Defender may process information connected to payment-risk and revenue-protection workflows, such as:
- Transaction identifiers
- Transaction dates and amounts
- Merchant and merchant-account identifiers
- Masked or tokenized payment-account information
- Authorization and decline information
- Processor or gateway information
- Order and customer-reference information
- Fulfillment and delivery information
- Refund and cancellation information
- Dispute-alert information
- Chargeback and reason-code information
- Fraud-report and monitoring information
- Authentication information
- Device and network signals
- Customer-service communications
- Evidence and case records
- Payment-performance information
The specific information available to Payment Defender depends on the customer’s services, integrations, instructions, and agreements.
Information From Business Partners and Service Providers
We may receive information from authorized business partners, referral partners, integration providers, processors, gateways, dispute or fraud service providers, analytics providers, security providers, and other organizations involved in providing or evaluating Payment Defender services.
The information may include business contact information, referral information, transaction or service identifiers, integration status, and service-related records.
Derived and Inferred Information
We may derive information from the records available to us, such as payment-risk patterns, dispute trends, fraud trends, refund activity, authorization or decline patterns, service-performance information, and operational insights.
We use derived information only for the purposes described in this policy, applicable customer agreements, and authorized service instructions.
| Category | Examples | Primary Sources | Typical Purposes |
|---|---|---|---|
| Contact and business information | Name, business email, telephone number, company, title, industry, region | You, your organization, partners | Responding to requests, business communications, service administration |
| Communications and request information | Messages, support requests, demo inquiries, feedback, attachments | You and your organization | Responding, support, recordkeeping, service improvement |
| Website and device information | IP address, browser, device, pages viewed, timestamps, diagnostics | Browser, device, hosting and approved analytics providers | Website operation, security, diagnostics, performance analysis |
| Payment-risk and transaction information | Transaction, authorization, decline, refund, dispute, fraud, evidence, and monitoring records | Business customers and authorized integrations | Providing customer-requested services, analysis, support, security |
| Professional and commercial information | Company relationship, products considered or used, business communications | You, your organization, partners | Sales, customer relationships, support, service planning |
| Derived information | Risk patterns, trends, service insights, operational analysis | Information processed through the services | Service delivery, security, reporting, improvement |
How We Collect Information
Payment Defender may collect personal information:
- Directly from you when you complete a form, request information, communicate with us, attend a meeting, submit feedback, or use a service
- From your organization when it creates or administers an account, requests services, manages users, or provides service data
- From authorized integrations, payment-service providers, alert providers, processors, gateways, partners, and other service participants
- Automatically through website, device, security, logging, cookie, and similar technologies
- From public business sources when appropriate for business-to-business communications, fraud prevention, security, or due diligence
We do not use publicly available information to make decisions about consumer credit, employment, housing, insurance, or other legally protected eligibility matters.
How We Use Personal Information
Payment Defender may use personal information to:
- Operate, maintain, secure, and improve our websites and services
- Respond to contact, support, sales, demo, and partner requests
- Provide services requested by a business customer
- Create, administer, authenticate, and protect accounts
- Connect and support authorized integrations
- Review transaction, dispute, fraud, refund, evidence, decline, authorization, and monitoring information as directed by a business customer
- Communicate about services, support, security, maintenance, and administrative matters
- Personalize business communications and website experiences where permitted
- Understand website and service usage
- Diagnose errors and improve performance
- Detect, investigate, and prevent fraud, abuse, security incidents, and unauthorized access
- Enforce agreements and protect legal rights
- Comply with legal, regulatory, court, law-enforcement, and contractual obligations
- Complete a merger, financing, acquisition, restructuring, sale, or similar business transaction
- Send marketing communications when permitted and subject to your choices
- Create aggregated or deidentified information for analytics, security, service improvement, and business planning
Payment Defender does not use business-customer service data for unrelated consumer advertising.
How We Disclose Personal Information
Payment Defender may disclose personal information in the circumstances described below. We do not authorize service providers to use personal information for purposes unrelated to the services they provide to Payment Defender.
Service Providers
We may disclose information to vendors and service providers that support hosting, infrastructure, security, authentication, communications, customer support, form processing, analytics, professional services, and other business operations.
These providers are permitted to process information only for approved purposes and subject to applicable contractual and legal requirements.
Business Customers and Authorized Users
When you interact with Payment Defender on behalf of a business customer, information associated with your account, activity, requests, or use of the services may be available to authorized administrators or users of that customer.
Authorized Integrations and Service Participants
We may disclose information to processors, gateways, card-network service providers, dispute or alert providers, fraud providers, integration partners, and other participants when necessary to provide a service requested or authorized by a business customer.
Professional Advisers
We may disclose information to attorneys, accountants, auditors, insurers, consultants, and other professional advisers when reasonably necessary for their services and subject to appropriate confidentiality obligations.
Legal, Safety, and Security Disclosures
We may disclose information when we reasonably believe disclosure is necessary to:
- Comply with applicable law, legal process, or a valid government request
- Protect the rights, property, security, or safety of Payment Defender, our customers, users, or others
- Investigate fraud, abuse, security incidents, or violations of an agreement
- Establish, exercise, or defend legal claims
Business Transactions
Information may be disclosed or transferred as part of a proposed or completed merger, acquisition, financing, restructuring, bankruptcy, sale of assets, or similar business transaction. Any recipient will be required to handle personal information consistently with applicable law and the commitments that apply to the information.
With Your Direction or Consent
We may disclose personal information when you or the organization you represent directs us to do so or provides valid consent.
Business Customer Service Data
Payment Defender may process personal information on behalf of business customers that use our services. This information may relate to the customer’s own customers, employees, users, transactions, disputes, refunds, chargebacks, fraud reports, account activity, or payment operations.
For this information:
- The business customer determines which information is provided or connected
- The business customer determines the applicable business purposes and instructions
- Payment Defender processes the information under the applicable customer agreement and documented instructions
- The business customer is responsible for providing its own privacy notices and obtaining any required permissions
- Individuals seeking to exercise rights concerning information controlled by a Payment Defender business customer should generally submit the request directly to that customer
When Payment Defender receives a request concerning customer-controlled information, we may direct the request to the relevant customer or assist the customer as required by law and contract.
Payment Defender may independently use limited information for account administration, security, fraud prevention, legal compliance, service integrity, and the protection of our rights.
Cookies and Similar Technologies
Payment Defender and approved service providers may use cookies and similar technologies to operate and protect the website, remember settings, understand website performance, and support approved communications.
Strictly Necessary Technologies
Strictly necessary technologies support functions such as security, fraud prevention, network management, form operation, user authentication, load balancing, and preference storage. The website may not function correctly without these technologies.
Analytics Technologies
Payment Defender uses Google Analytics, a web analytics service provided by Google LLC, on the public website. Google Analytics uses cookies and similar technologies to help us understand how visitors use the website, such as the pages viewed, the approximate region of the visit, the referring website, and general device and browser information. Google Analytics may also process limited information that visitors provide through website forms, such as an email address, in a hashed form to improve measurement accuracy.
We use this information to understand website performance, improve content and navigation, and support the security and operation of the website. We do not use Google Analytics for cross-context behavioral advertising.
Google processes this information on our behalf, and its handling of the information is described in the Google privacy policy available at policies.google.com/privacy. You can opt out of Google Analytics by installing the Google Analytics opt-out browser add-on available at tools.google.com/dlpage/gaoptout or by using browser controls to block or delete cookies.
We may also receive limited operational and security information through our hosting infrastructure, such as page requests, device information, Internet Protocol addresses, and diagnostic events.
Cookie Choices
You can use browser controls to block or delete cookies. Blocking strictly necessary cookies may affect website functionality.
When Payment Defender uses nonessential cookies that require consent or an opt-out under applicable law, we will provide the required preference controls.
Sale, Sharing, and Targeted Advertising
Payment Defender does not sell personal information for monetary consideration.
Payment Defender does not share personal information for cross-context behavioral advertising and does not use personal information for targeted advertising across unrelated websites or services.
Payment Defender has not knowingly sold or shared the personal information of individuals under 16 years of age.
If our practices change, we will update this Privacy Policy and provide any notice, consent, or opt-out mechanism required by applicable law before beginning the new practice.
Data Retention
Payment Defender retains personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide services, maintain business and transaction records, comply with legal and contractual obligations, resolve disputes, prevent fraud, maintain security, and enforce agreements.
The retention period for a particular record depends on factors such as:
- The nature and purpose of the information
- The duration of the customer or business relationship
- Customer instructions and contractual requirements
- Legal, regulatory, tax, accounting, and reporting obligations
- Security, fraud-prevention, and abuse-prevention needs
- Applicable limitation periods
- Whether the information is needed to establish, exercise, or defend legal claims
- Backup and disaster-recovery cycles
When personal information is no longer reasonably necessary, we may delete it, deidentify it, or retain it in a restricted form when required by law or necessary for an approved purpose.
Data Security
Payment Defender uses administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, use, alteration, disclosure, loss, or destruction.
The safeguards used depend on the nature of the information, the service involved, and the reasonably foreseeable risks.
No website, transmission method, storage system, or security control is completely secure. Payment Defender cannot guarantee absolute security.
You are responsible for protecting account credentials, using appropriate security controls within your organization, and notifying Payment Defender promptly if you believe an account or communication has been compromised.
Your Privacy Choices and Rights
Depending on where you live and subject to applicable exceptions, you may have the right to:
- Request access to personal information Payment Defender maintains about you
- Request information about how personal information is collected, used, or disclosed
- Request correction of inaccurate personal information
- Request deletion of personal information
- Request a portable copy of certain personal information
- Object to or request restriction of certain processing
- Withdraw consent when processing is based on consent
- Opt out of certain sales, sharing, targeted advertising, or profiling activities
- Limit certain uses of sensitive personal information
- Appeal a decision concerning a privacy request
You may submit a privacy request by emailing info@paymentdefender.com. Use the subject line: Privacy Request.
Include enough information for us to understand your request and identify the relevant interaction or account.
We may need to verify your identity and authority before completing a request. Verification may require information that reasonably matches records already available to us. We will use verification information only to process and protect the request.
You may use an authorized agent where permitted by law. We may request evidence of the agent’s authority and may need to verify your identity directly.
We will not unlawfully discriminate against you for exercising an applicable privacy right.
Some rights may not apply to information processed on behalf of a business customer. In those cases, we may direct the request to the customer that controls the information.
Marketing Communications
You can unsubscribe from marketing emails by using the unsubscribe link in the message or emailing info@paymentdefender.com.
Even after you unsubscribe from marketing communications, Payment Defender may continue to send transactional, support, security, legal, or service-related communications when appropriate.
California and Other U.S. State Privacy Rights
Privacy laws in California and certain other U.S. states may provide residents with additional rights concerning personal information.
Subject to applicability, exceptions, and verification requirements, these rights may include the right to:
- Know the categories and specific pieces of personal information collected
- Know the categories of sources, purposes, and recipients associated with personal information
- Access personal information
- Correct inaccurate personal information
- Delete personal information
- Receive certain information in a portable format
- Opt out of the sale of personal information
- Opt out of sharing for cross-context behavioral advertising
- Opt out of targeted advertising
- Opt out of certain profiling that produces legal or similarly significant effects
- Limit certain uses and disclosures of sensitive personal information
- Appeal a decision concerning a request
Payment Defender does not sell personal information or share personal information for cross-context behavioral advertising.
To submit a request or appeal, email info@paymentdefender.com. Use the subject line: State Privacy Request.
An appeal should explain why you believe the original decision should be reconsidered.
Where required, Payment Defender recognizes legally valid browser-based opt-out preference signals for the browser or device sending the signal. Because Payment Defender does not currently sell or share personal information for cross-context behavioral advertising, receiving such a signal does not ordinarily change our current practices.
Categories of Personal Information
For transparency, the categories of personal information Payment Defender may collect include:
- Identifiers and business contact information
- Customer-record and account information
- Commercial and business-relationship information
- Internet, device, and network activity
- Professional or employment-related information provided in a business context
- Approximate location derived from an Internet Protocol address
- Payment-risk, transaction, dispute, fraud, refund, and service information provided by business customers
- Inferences and operational insights derived from the information described above
- Account credentials or other sensitive information when required for a verified account or service function
Payment Defender uses these categories for the purposes described in How We Use Personal Information.
Payment Defender discloses these categories only as described in How We Disclose Personal Information.
Financial Incentives
Payment Defender does not currently offer a financial-incentive or price-difference program in exchange for personal information.
International Visitors
Payment Defender is based in the United States. If you access our website or services from another country, personal information may be processed in the United States and other locations where Payment Defender or approved service providers operate.
Data-protection laws in those locations may differ from the laws in your country.
Where required by applicable law, Payment Defender uses appropriate safeguards for international transfers and provides individuals with applicable rights concerning their personal information.
Depending on your location, you may have rights to access, correct, delete, restrict, object to processing, receive portable information, withdraw consent, or complain to a data-protection authority.
To submit a request, email info@paymentdefender.com.
Children’s Privacy
Payment Defender’s website and services are intended for businesses and business professionals. They are not directed to children.
Payment Defender does not knowingly collect personal information from children under 13 through the public website.
If you believe a child has provided personal information to Payment Defender, email info@paymentdefender.com. Use the subject line: Children’s Privacy.
We will review the request and take appropriate action consistent with applicable law.
Third-Party Websites and Services
Payment Defender websites and resources may contain links to third-party websites, documentation, platforms, or services.
Payment Defender does not control the privacy, security, or content practices of those third parties. This Privacy Policy does not apply to information collected independently by a third party.
Review the third party’s privacy notice before providing personal information or using its services.
Changes to This Privacy Policy
Payment Defender may update this Privacy Policy to reflect changes in our services, information practices, technology, legal requirements, or business operations.
When we update the policy, we will revise the Last Updated date at the top of the page.
When required by law, we will provide additional notice or obtain consent before a material change takes effect.
The version posted on this page is the current public version.
Contact Payment Defender
For privacy questions, notices, rights requests, or appeals, contact:
Payment Defender
Email: info@paymentdefender.com
Recommended subject lines:
- Privacy Question
- Privacy Request
- State Privacy Request
- Privacy Appeal
- Children’s Privacy
Do not send full payment-card numbers, passwords, Social Security numbers, government identification numbers, or other highly sensitive information by ordinary email.