Web-Merchant Services Limited is fully committed to respecting the privacy of our customers. Your privacy and trust is important to our success as a business. How we collect, store and use the information we gather about our customers and prospects will be continually assessed against new technologies, business practices, and our customers' changing needs.

1. Types of information we collect
2. Uses of the information collected
3. Credit card and financial information storage
4. IP address
5. Cookies
6. Information and Accuracy
7. Products & Services
8. Liability
9. E-mail and attachments
10. Complaints & Disputes
11. Disclaimer
12. Rejection of an application or other type of business

Types of information we collect

There are two types of information gathered on our web sites;

Quantitative data, which is gathered through general Web logs, contains only aggregate information on what pages visitors access.

Individual data is collected via Web forms, including our Feedback Form, Application Forms and other similar forms.

Uses of the information collected

Personal information submitted via our Web based request forms is collected for the purpose of fulfilling information requests only.

From time to time we may contact you via email with offers and promotions that we think may be of interest. Users may request not to receive marketing emailings at any time by contacting Web-Merchant at support@web-merchant.co.uk.

We do not disclose your information to anyone outside Web Merchant except:

• when setting up a merchant facility
• where we have your permission; or
• where we are required or permitted to do so by law; or
• to other companies who provide a service to us or/for you
• where we may transfer rights and obligations under this agreement

We may use your business name and/or company logo on our corporate website purely for marketing purposes. We will not disclose any other information about you or your business. If you do not want us to use your business name please inform us via email.

Company (never financial) information collected through the merchant account process, once live, may be given to selected third parties. This information is given on a strictly confidential basis and for the sole purpose of providing merchants with competitive price structures.

Credit card and financial information storage

Data storage on our systems, and the communication between us, our partners and the worldwide banking networks, is regularly audited by the banking authorities to ensure a secure transaction environment. We also ensure that we stay up-to-date with the latest versions of any third-party code we use, and continually review our own proprietary code.

Any application form is also encrypted to the maximum strength supported by the merchants browser using 128 Bit SSL.

Once an application is either rejected, been inactive for more than 6 months or we have been asked to cancel it, we destroy or delete any and all information.

IP address

We collect "non-personal" information from you, such as your browser type, the URL of the previous web site you visited, your ISP, operating system, and your IP address. "Non-personal" information cannot be easily used to personally identify you. We may use your IP address to help diagnose problems with our server and to administer our website. Your IP address also may be used to recognise customer traffic patterns and site usage. This information aids us in merchandising and in developing the design and layout of the site.

Cookies

Web-Merchant occasionally uses cookies only for customers who have specifically signed up for our services. The cookies are used solely for the purpose of identifying that customer and to provide secure access to their service-specific data.

Information and Accuracy

While Web-Merchant Services attempts to convey accurate and current information about this site, the information provided may contain typographical or technical errors. All information is provided "as is" with no guarantee of completeness, accuracy, or the result obtained from the use of this information, and with warranty of any kind, expressed or implied. Users are advised to confirm the accuracy of any information presented on this site before trusting it in any way.

Products and services

Web Merchant products and services may be changed or updated without prior notice.

Liability

In no event will Web Merchant Services Ltd, under any circumstance, be held liable for any damages whatsoever, including without limitation, damages for loss of profit, business interruption, loss of information or data, arising out of the use of or inability to use this Web site and the information it contains.

E-mail and attachments

The e-mail and attachments that we send contain confidential information addressed to a specific recipient(s) which is private and protected by law. If you are not an addressee, any disclosure, copying, distribution or use is strictly prohibited and you are requested to advise us immediately of the information you have received.

We take reasonable precautions to ensure our e-mails are virus free. Automatic scanning of all inbound and outbound e-mail is employed to prevent any infected e-mails crossing our Virus Scan Gateway. However, we cannot accept responsibility for any virus transmitted by us and recommend that you subject our e-mails to your own virus checking procedures.

Complaints & Disputes

In the event of a dispute between the parties concerning an agreement each of the parties shall in the first instance, bring the dispute at the earliest opportunity to the attention of a Director or similar officer.

Disclaimer

In order to increase a merchant's chance of obtaining a merchant facility with one of our sponsor banks due to an applicants status and/or business model and following a full risk assessment of an application, we may need to increase certain elements: mainly the settlement period and the rolling reserve (other terms may be effected depending on the risk sector you operate in and your company’s credit rating). Indeed a longer settlement period and a larger rolling reserve are more likely to reassure our processing bank that we have taken sufficient steps to mitigate the risk exposure on an account.

As you can imagine we are unable to tell who will have their terms increased until an application has been put in and is being processed. Please be reassured that you are under no obligation to continue with the application if the new terms offered no longer meet your requirements. If this is the case than simply reply to the relevant email and your application will be terminated

Rejection of an application or other type of business

Web Merchant Services has the right to refuse the business of any potential or current customers for moral, ethical or any other reason(s). Even if the information they have supplied is true and complete. We retain this right if we feel that the customer and/or the information they have supplied is not what it appears. All rejections are sent via email once an assessment has been completed.