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Effective September 14, 2017

INTRODUCTION:

Iovation ("we" or "us") is a US headquartered company that assists businesses ("Customers") to detect and combat online fraud and other types of cybercrime ("our Services"). Over the years we have helped our Customers to protect millions of end-users from becoming the victim of fraudulent and malicious behaviour.

At iovation Inc. we recognize that privacy is important. This iovation PRIVACY POLICY ("Policy") applies to the collection of data by iovation Inc., iovation Limited, its subsidiaries, and affiliates (collectively, "iovation"). This policy explains our practices regarding the collection, use and disclosure of personal information both through our website (www.iovation.com) and its subdomains (“Website”) and in the course of providing our services.

1. Personal Information we collect through the Website

We collect the following types of personal information through our Website:

Information you provide us:

In general you can visit our Website without telling us who you are or revealing any personal information about yourself. However, you may provide us with personal information, for example, when you make enquiries about our Services through our "Contact" page, provide us with your contact information for the purpose of sending you white papers, reports, brochures, or to request a demo, attend our events or webinars, or when you sign up to our mailing list. When you communicate with us, we will keep copies of any communications that you send us.

Information we collect automatically:

We may also collect certain information through our Website by automated means, such as IP addresses, browser type and operating system, information about your visit including the URL clickstream to, through and from our Website, download errors, number of Website visits, and other page interactions. We collect this information automatically through the use of various technologies such as cookies and web beacons. For further information about the cookies that we use on our Website and how to exercise your cookie preferences, see the "How we use cookies and similar technologies" section below.

2. How we use personal information collected through the Website

The information collected through our Website may be used for the following purposes:

  • To provide, operate, optimize and maintain the Website;
  • To deal with enquiries through our Website or to provide you with information and access to resources that you have requested from us;
  • To analyse the use of our Website for trend monitoring, marketing and advertising purposes;
  • For network security and administration;
  • To investigate and prevent fraud, spam, malware, identity theft or other unauthorized access to or unlawful activity; and
  • For other legitimate business purposes and other purposes about which we notify you.

3. Personal information we collect through our Services

When our Customers subscribe to our Services, the following personal information may be collected to help detect the likelihood that your device is associated with fraud or other malicious behaviour.

Information collected automatically:

When a Customer subscribes to our Services, they may place iovation cookies on your device or run our JavaScript code to enable the collection of certain device identifiers, and IP addresses. This information is no different to the types of information captured by common web analytics tools. The information is sent back to the Customer and subsequently passed onto iovation for further processing.

For information about cookies and other similar technologies that are deployed through our Services and how to exercise your cookie preferences, please see the "How we use cookies and similar technologies" section below.

Additional information our Customers provide to us:

In addition, our Customers may send additional information to us for fraud analysis or system abuse purposes. For example, they may send us elements of your personal data that you have consented to being shared with us. They might also optionally provide us with information about the transaction you carry out on their site or app

Information about our Customers:

If you are a Customer, we may also collect certain personal information about you to enable us to manage our business relationship with you – such as your name, contact details, job title, billing and payment information.

4. How we use personal information collected through the Services

Once the information above has been passed to iovation, we process the data through our Global Device Intelligence Platform to return a score to our Customer for the device. This score is calculated based on rules that are set by our Customers. The rules set by our Customers will depend on the business they operate and the types of fraud or system abuse pertinent to their services.

Once the Customer receives a score, it is up to the Customer to decide what action to take from there. For example, transactions with certain scores may be denied, flagged for review, or presented with further authentication challenges. In most cases, however, the transaction or activity will proceed with no issues.

We may also use personal information we collect through the Services for the following purposes:

  • To optimize and improve the Services,
  • To enable our consortium of Customers to share information about known fraudulent or malicious devices;
  • To analyse the use of the Services for internal business purposes;
  • To provide customer service and support;
  • To send our Customers communications about their account, provide service updates and marketing information (where it is in accordance with their marketing preferences);
  • To investigate any lawful or wrongful activity or unauthorized access to our Services; and
  • For other legitimate business purposes and other purposes about which we will notify you.

5. How we share your personal information with third parties

We may share personal information collected through our Website and Services in the following ways:

Information we share with our group companies: We may share your personal information with other members of the iovation group of companies for purposes consistent with this Privacy Policy.

Information we share with our service providers: We may also engage certain trusted third-party service providers, consultants or vendors to assist us in the provision of the Website and Services. We will only share your personal information with third parties to the extent necessary to perform such functions and in accordance with the purposes set out in this Privacy Policy and applicable laws.

Information disclosed in connection with business transfers: In the event of a corporate sale, merger, reorganization, acquisition, dissolution, financing or other similar event, your personal information may be shared or transferred in connection with, or during negotiations of, such event or transaction.

Information disclosed for legal purposes and the protection of others: We may disclose personal information to a third party where we are legally required to do so in order to comply with applicable laws, regulations, legal process or governmental requests. We will also disclose personal information to the extent we believe necessary or appropriate: (i) to respond to claims, judicial orders, subpoenas, warrants or other process issued by a court of competent jurisdiction; (ii) to protect the vital interests of any person; (iii) to exercise, establish or defend our legal rights; and (iii) to stop any activity we consider illegal, unethical or legally actionable.

6. How we use cookies and similar technologies

“Cookies” are small text files that are placed on your device when you visit (i) our Website or (ii) our

Customers' websites who have integrated iovation's Services. Cookies are widely used in order to make websites work, or work more efficiently, as well as to provide certain device and other analytical information.

How we use cookies on our Websites:

We may use cookies to personalize web pages during your visit to our Website, to remember you for easy navigation and access during return visits, provide you with relevant offers of our products and services, to monitor web traffic routing and aggregate usage, and to customize and improve our Website and Services.

We work with certain third parties (such as web analytics service providers) to provide us with information about our site traffic and usage. These third parties may set and access their own cookies or tracking technologies, such as web beacons and embedded scripts, on our Website in order to recognize your device and for example, identify whether you have visited our Website before, what you have viewed on our Website and how you found us. Such information is used for statistical purposes.

How we use cookies through our Services:

As stated in "How we use personal information collected through our Services" above, our Customers may place iovation cookies and similar technologies in order to collect information about your device for fraud and malicious activity prevention purposes. Although we seek to give information about our cookies through this Privacy Policy, we must also rely on our Customers to ensure that sufficient notice and consent is obtained for the use of such cookies on their sites and apps.

How to disable cookies: If you do not want us to deploy cookies on your browser, you can set your browser to reject cookies. You can find information on popular browsers and how to adjust your cookie preferences at the following websites:  

  • Microsoft Internet Explorer: at http://www.microsoft.com/info/cookies.htm
  • Mozilla Firefox: at http://www.mozilla.org/projects/security/pki/psm/help_21/using_priv_help.html
  • Google Chrome: at https://support.google.com/accounts/answer/61416
  • Apple Safari: Blocks cookies by default and accepts cookies only from your current domain. To change, click Safari, Preferences, Security, and choose your preference

Please note, however, that if you don’t accept cookies on our Website, you may not be able to access all portions or features of the site.

If you disable the cookies placed by our Customers for fraud and malicious activity prevention purposes, you may not have access to all the services provided by our Customer on their website.

We may also use Flash or Flash Local Shared Objects (LSOs) through our Services to collect the data outlined above. You can manage Flash storage through your browser settings where supported, or you may manage Flash storage. To learn how to manage these, click here for Windows and here for OS/ Mac.

7. Security

We will use appropriate security measures to help protect your personal information. These measures include technical, administrative, physical and organizational measures to protect your data from misuse, unauthorized access or disclosure, loss, alteration or destruction. Please be aware that no website is completely secure. Although we will do our best to protect your personal information, you should only access the Website within a secure environment.

8. International transfers

If you are visiting our Website or using our Services from outside the United States (US), including in the European Economic Area, please be aware that your personal information may be transferred to the US and potentially other countries whose data protection laws may not be as protective as those in your country of residence. However, our collection, storage and use of your personal information will at all times be in accordance with this privacy policy wherever it is processed.

For our Services, we will work with our Customers to put in place any appropriate data export solutions that may be needed under applicable laws.

9. Your privacy rights

If you are from certain territories (such as the European Economic Area) you may have certain rights in relation to your personal information, such as the right to access, correct, amend or delete any personal information we hold about you. If you wish to exercise such rights, or you have any questions or comments concerning your personal information, please contact us at privacy@iovation.com.

If you wish to make a general complaint about our privacy practices, please write to us at the email address above and we will respond within a reasonable time and in accordance with applicable laws.

We will consider and respond to your request promptly and in accordance with any applicable laws.

If you wish to be removed from our mailing list, you can do so my clicking "unsubscribe" in any email communications we send you, or by emailing us at the address above.

10.  Links to other sites

Our Website may contain links to other websites and services. Our Privacy Policy does not apply to such websites or services and we are not responsible for the content, privacy or security practices and policies of those websites or services. To protect your information, we recommend that you carefully review the privacy policies of other websites and services that you access.

11. Changes to our Privacy Policy

If we change our privacy policy, we will post those changes here and amend the "Last Updated" date at the top of this page. If we make any material changes to the privacy practices relating to our Services, we will amend this privacy policy and notify our Customers more directly – for example by posting a notification or sending a message through their account or by email. We encourage you to review this page frequently to stay informed of the latest modifications.

12. How to contact us

If you have any questions, comments or concerns about this privacy policy, then please contact us at privacy@iovation.com. If you prefer to mail your complaint, you can contact us at the following address:

ATTN: Compliance Manager
iovation Inc.
111 SW 5th Avenue Suite 3200
Portland OR 97204
USA

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