Privacy Policy

Protecting your privacy is important to us. We hope the following information and policies help you understand how the Merchant Risk Council collects, uses, and safeguards the information you provide to us on or through our website located at: www.merchantriskcouncil.org ("Website") or when you otherwise interact with us through our Website.

Please be advised that the practices described in this Privacy Policy apply only to information gathered online through our Website. It does not apply to information that you may submit to us offline, or to websites maintained by other companies or organizations to which we may link.

By visiting our Website, you are accepting the practices described in our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Website.

We reserve the right to modify or amend the terms of our Privacy Policy from time to time without notice. If we make changes to this Privacy Policy, we will indicate that change by revising the date in the upper right hand corner of this Page. Your continued use of our Website and our affiliate sites following the posting of changes to this Privacy Policy will mean you accept those changes. If we intend to apply modifications or amendments to this Privacy Policy retroactively, we will provide you with notice of the modifications or amendments.

We encourage you to review this Privacy Policy whenever you access our Website to stay informed about our information practices and the ways you can help to protect your privacy.

If you have any questions about this Privacy Policy, or do not see your concerns addressed here, you should contact us by email at: privacy@merchantriskcouncil.org


1. The Information You Provide to Us

To become a Merchant Risk Council Website subscriber, we require your first and last name, job, title, street address, email address (which also serves as a user name), company name or organization, the URL of your company or organization's site, the country your company resides in, and whether your operations are online only, or both online and offline (collectively, the "Personal Information"). We also ask you to assign a password for yourself. Other business information is optional. If you are logging in from outside the United States, your information will be transferred to and stored in the U.S.

The Website is published in the United States. We make every effort to protect the Personal Information of all users the Website. We attempt to comply with local data protection and consumer rights laws to the extent they may apply to the MRC services. If you are uncertain whether this Privacy Policy conflicts with the applicable local privacy laws where you are located, you should not submit your personal information to MRC.

If you are located within the European Union, you should be aware that your Personal Information will be transferred to the United States of America, the laws of which may be deemed by the European Union to have inadequate data protection. If you are located in a country outside the United States of America and voluntarily submit Personal Information to us, you thereby consent to the general use of such Personal Information as provided in this Privacy Policy and to the transfer of that information to, and/or storage of that information in, the United States of America.

In addition, when you interact with the Website, our servers may keep an activity log that does not identify you individually ("Anonymous Information"). Generally, this information is collected though "traffic data". We collect and store certain administrative and traffic information including: source IP address, time of access, date of access, referring web page(s), web pages viewed, software crash reports, type of browser used and the type of device you are using to access this Website.


2. How We Use the Information

Merchant Risk Council collects and stores information for these purposes:

  1. To list your company or organization as a Merchant Risk Council subscriber who supports our fraud prevention standards.
  2. To e-mail you notices of upcoming reports, newsletters, and updated information.
  3. To help us better tailor this Website to the preferences and needs of our members.
  4. To provide our members with resources and allow vendors to contact members with useful information.
  5. To respond to your comments, questions and requests and provide customer service.
  6. To send you technical notices, updates, security alerts and support and administrative messages.
  7. Detect, investigate and/or prevent fraudulent, unauthorized or illegal activity; and
  8. Carry out any other purpose for which the information was collected.
The optional business information you provide may be aggregated in order to help us understand the types and sizes of Merchant Risk Council site subscribers.

Merchant Risk Council will not share your Personal Information with others without your permission. We will provide you with an opportunity to opt-in if we want to share your Personal Information with third parties.

We occasionally have third party agents, subsidiaries, affiliates, and partners that perform functions on our behalf, such as marketing, credit card processing, shipping or stocking orders, providing customer service, fraud protection, etc. These entities have access to the Personal Information needed to perform their functions and are contractually obligated to maintain the confidentiality and security of that Personal Information. They are restricted from using, selling, distributing, or altering this data in any way other than to provide the requested services to the Website.

We may also use or disclose Personal Information if required to do so by law or in the good-faith belief that such action is necessary to (i) conform to applicable law or comply with legal process served on us or the Website; (ii) protect and defend the our rights or property, the Website or our users; and (iii) act under emergency circumstances to protect the personal safety of us, our affiliates, agents, or the users of the Website or the public.

You should be aware that other Internet sites that you link to from our Merchant Risk Council site might contain privacy provisions that differ from the provisions of our Privacy Policy.


3. The Use of Cookies

A cookie is a small string of text that a website can send to your browser. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your email address. Currently, websites use cookies to enhance the user's visit. In general, cookies identify which parts of a site have been visited or keep track of selections in a "shopping cart."

If you are just browsing our Website and are not a registered user, you do not have to accept a cookie and you may still continue using the Website. However, in order to access the portion of the site that requires a password, you must accept the Website's cookies as they are essential for site administration and security. If you do not want your browser to accept cookies, you can change this preference within your browser. You can learn more about setting or changing cookies preferences for Apple Safari, Google Chrome, Microsoft Edge, Microsoft Internet Explorer, Mozilla Firefox, or Opera by visiting the Apple, Google, Microsoft, Mozilla, or Opera Software websites.


4. Analytics Provided by Others

We may allow third party service providers to provide analytics services on our behalf. These entities may use cookies, web beacons (also known as "tracking pixels") and other technologies to collect information about your use of our Website and other websites, including your IP address, web browser, pages viewed, time spent on pages, links clicked and other information. This information may be used to, among other things, analyze and track data, determine the popularity of certain content on our Website and better understand your activity when you visit our Website.


5. Cancelling Your Subscription

At any time you can request that your subscription to the Merchant Risk Council Website be cancelled. Upon cancellation, the name of your company or organization will be removed from the Website and your contact information will be made inactive in our records.


6. Inquiries

Your feedback is important to us. If you ever have any questions regarding our Privacy Policy, or would like to change the information you have provided, you may contact us by email at: privacy@merchantriskcouncil.org


7. Your Information Is Secure

The Merchant Risk Council takes reasonable precautions in order to protect your Personal Information from loss, theft, misuse, unauthorized access, disclosure, alteration and destruction, using recommended industry security architecture. While we try our best to safeguard your Personal Information once we receive it, no transmission of data over the Internet or any other public network can be guaranteed to be 100% secure.