Privacy Policy

We Are Committed to Protecting the Privacy of Your Personal Information

Chase Merchant Services Canada takes steps to maintain the accuracy, and confidentiality of your personal information and to protect your privacy. This Privacy Policy, together with applicable legislation, governs our actions as they relate to the handling of our merchant's personal information in Canada. In this Privacy Policy, "you", "your", "yourself" shall refer to a merchant of Chase Merchant Services Canada who is an individual (if applicable) or to the individual (employee or owner of a Chase Merchant Services Canada merchant who is a legal person) ”We”, "us", "our" and "ourselves" shall refer to Chase Merchant Services Canada. This Privacy Policy does not apply to information that is not personal information under applicable legislation.

This Privacy Policy applies to our collection, use and disclosure of personal information in connection with the services provided by Paymentech to our merchant customers in Canada, including merchant customers using the Chase Mobile Checkout – PLUS application.

By submitting personal information to Chase Merchant Services Canada, you (i) agree that Chase Merchant Services Canada may collect, use and disclose personal information in accordance with this Privacy Policy or otherwise with your consent or as permitted or required by law; and (ii) acknowledge and consent that Chase Merchant Services Canada may retain service providers (including affiliates acting in this capacity) to perform certain services on our behalf and that in the event that a service provider is located in the United States, personal information may be processed and stored in the United States and that United States governments, courts or national security, law enforcement or regulatory agencies may be able to obtain disclosure of personal information through the laws of the United States.

You may direct any questions or enquiries with respect to the privacy principles outlined above or about Chase Merchant Services Canada's privacy practices by contacting:
Chase Merchant Services Canada – Chief Privacy Officer 100 Consilium Place
Suite 1700 Toronto (Ontario) M1H 3E3
Phone: (416) 940-6395
Fax: (416) 940-6028
E-mail: privacyofficer@paymentech.com

Any questions, concerns or complaints regarding Chase Merchant Services Canada's privacy policy and practices, should first be directed to the Paymentech Privacy office where it will be reviewed. If the concern or complaint is justified, Chase Merchant Services Canada will correct the situation and, if applicable, will revise its policies and procedures related to that matter.

Personal Information - Definition
Personal Information means information about an identifiable individual, as more particularly defined in applicable privacy legislation. Personal information does not include aggregate information that cannot be associated with a specific individual, and in certain jurisdictions, it may also exclude business contact information.

Affiliates and Third Party Contractors
Chase Merchant Services Canada may transfer personal information it has collected in accordance with this Privacy Policy with certain affiliates who provide services to Chase Merchant Services Canada in connection with the purposes set out in this Privacy Policy provided that the personal information is required for such purposes. Certain of these affiliates are located in the United States.

Chase Merchant Services Canada may also provide personal information to outside organizations as necessary to provide requested services. Such organizations may include the various card associations (including without limitation Visa, MasterCard and Interac).

Our contracts with such third parties and affiliates require that (i) any information that we provide to them is held strictly confidential; and (ii) any information provided to them may be used solely for the purposes of providing the services that they have been contracted with to provide.

Chase Merchant Services Canada may transfer personal information to outside agents, mandataries or service providers that perform services on our behalf (for example mailing houses or collection agents) in which case we use similar contractual or other means to ensure that your personal information is protected and not used or disclosed for any purposes other than as directed by Chase Merchant Services Canada. These outside organizations, agents, mandataries and service providers may be located outside Canada, including in the United States.

Purposes
In addition to the terms of this Privacy Policy, contractual terms may apply to the collection, use and disclosure of your personal information. For example, Chase Merchant Services Canada's Merchant Application and Agreement asks you to provide certain personal information and indicates that the personal information is collected, used and disclosed as described therein and in accordance with this Privacy Policy. Your execution of the Merchant Agreement constitutes your written consent to such collection, use and disclosure in accordance with its terms; among other terms, it states that personal information:

  • will be used for credit investigation and that social insurance numbers (if provided), dates of birth and driver's license numbers
  • will be used for credit matching and identity verification;
  • may be exchanged with financial institutions (including those parties to the Merchant Agreement) and Associations (e.g. Visa, MasterCard, Interac) for the purpose of providing merchants with the requested products and services and for security measures in relation to the merchant account.

More generally, Chase Merchant Services Canada collects, uses and discloses personal information as follows:

  • to administer and service our business relationship with you and to provide you with requested services;
  • to enforce your obligations under your agreements with Chase Merchant Services Canada;
  • to offer you additional products and service that may be of interest to you;
  • to confirm your eligibility for certain preferred pricing arrangements;
  • to perform a credit investigation, which allows Chase Merchant Services Canada to determine your financial status (and, if applicable, that of the owners of our merchants) by collecting financial information from credit reporting agencies or credit bureaus;
  • if required, to provide the various Associations (e.g. Visa, MasterCard, Interac) with certain reporting with respect to our business;
  • to investigate suspicious activities in relation to the merchant account
  • in the event of the actual or potential sale, assignment, financing, insuring, securitization or other disposal of all or part of our business or assets, in the event of a contemplated or actual fundamental restructuring of our business such as a reorganization, merger, acquisition or amalgamation, which may include disclosure to parties connected with such transaction in order to determine whether to proceed with such transaction, to fulfil reporting or inspection requirements, or for the use and disclosure of personal information by these parties as described in this Privacy Policy;
  • when required by law; and
  • otherwise with your consent

Consent

Chase Merchant Services Canada typically seeks consent to the collection, use and disclosure of personal information at the time that the information is obtained. We may obtain personal information when the merchant completes an application to receive merchant services from Chase Merchant Services Canada. Other information may be obtained when you change the nature of services you receive, when you call our Merchant Services Help Desk or otherwise when you have the need to contact Chase Merchant Services Canada. Personal information may be obtained from you in person, over the phone or through e-mail, regular mail or facsimile correspondence. In some cases we may collect personal information from a third party, in which case we require the third party to represent that they have consent to provide the personal information to us for the purpopes described in this Privacy Policy or otherwise at the time of collection.

Provision of each of the social insurance number and driver's license number is optional and the information is used for credit matching and identity verification. Ultimately, it is up to you whether you want to provide any personal information to Chase Merchant Services Canada. However, if enough personal information is withheld, Chase Merchant Services Canada may be unable to provide services.

You may withdraw your consent at any time (subject to legal or contractual restrictions and reasonable notice) by notifying Chase Merchant Services Canada. However, if you withdraw your consent to certain collections, uses or disclosure of your personal information, Chase Merchant Services Canada may be unable to provide services.

Faxing of Information
If you phone into our Business Sales Centre, an application will be completed verbally over the phone. After completion, the application may be faxed to the fax number that you have provided to us so that the merchant can execute the application and return it to Chase Merchant Services Canada.

Recording of Calls
Chase Merchant Services Canada may record incoming phone calls to our Business Sales Centre for quality monitoring and coaching purposes and, as necessary, to record the fact that verbal consent was obtained to use your personal information for an identified purpose (for example, obtaining a credit report from a credit reporting agency or credit bureau). Chase Merchant Services Canada periodically records calls to our Merchant Services Help Desk for quality monitoring and coaching purposes.

Type of Information Collected
The type of information collected on our Merchant Application and Agreement includes the following:

  • Merchant Information
  • Business Name
  • Business Address and Contact information
  • Location Address and primary contact name
  • Type of business and nature of advertising
  • Ownership Structure
  • Credit Information
  • Business Activity (nature of sales)
  • Sales Deposit Policy
  • Refund Policy
  • Bank/Business Trade References
  • Financial Institution Information
  • Previous Merchant Statements
  • Company Financial Statements
  • Contact Persons, Owners and Officers Information
  • Name
  • Title
  • Percentage of Ownership
  • Residence Address
  • Home Phone
  • Social Insurance Number (optional)
  • Date of Birth
  • Driver's License Number (optional)

Chase Merchant Services Canada will use reasonable efforts to ensure that the personal information that it holds is as accurate, complete and current as necessary to fulfill purposes for which it will be used.

Retention of Information
Chase Merchant Services Canada retains your personal information as long as necessary for the fulfillment of the purposes for which it was collected, subject to reasonable legal limitation periods, statutory or regulatory retention requirements and legitimate business requirements. Chase Merchant Services Canada will use reasonable efforts to ensure that personal information which is no longer required by Chase Merchant Services Canada will be disposed of or destroyed in a secure manner.

Security Measures
Chase Merchant Services Canada may store your personal information in an electronic file or a physical file. Chase Merchant Services Canada has implemented reasonable technological, organizational and physical security measures to protect your personal information from unauthorized access, improper use, and accidental destruction or loss. The physical file containing your personal information will be stored at Chase Merchant Services Canada's premises, or if required, at an offsite storage facility. The electronic file containing your personal information will be stored on a secure network. Authorized employees, mandataries and agents of Chase Merchant Services Canada who have a legitimate purpose for accessing the information and require it in the course of their duties will have access to your personal information. There is restricted access to Chase Merchant Services Canada's offices and to the computer server room.

Chase Merchant Services Canada employees, as a condition of their employment, are required to comply with confidentiality, merchant privacy and security obligations. Chase Merchant Services Canada employees are also trained on the importance of privacy and maintaining the confidentiality of personal information.

From time to time, Chase Merchant Services Canada reviews and updates its security measures in an effort to protect information in the most effective manner possible.

Access to Information
Subject to applicable legislation, Chase Merchant Services Canada's merchants may access and verify any of their personal information by calling our Merchant Services Help Desk at 1-800-265-5158 or writing to our Chief Privacy Officer at the address above and may request the correction of any inaccurate information. If there is any error, Chase Merchant Services Canada will promptly amend and correct the information in its files. We may require that you make your request in writing and may take reasonable steps to verify your identity before granting access or making corrections.

Paymentech Website

  1. Cookies
    A cookie is a small amount of data, which often includes an anonymous unique identifier that is sent to a browser from a website's computers and stored on a computer's hard drive.

    Each website can send its own cookie to a browser if the browser's preferences allow it, but (to protect privacy), a browser only permits a website to access the cookies it has already sent to it, not the cookies sent to it by other sites.

    Each website can send its own cookie to a browser if the browser's preferences allow it, but (to protect privacy), a browser only permits a website to access the cookies it has already sent.

    A browser can be configured to accept all cookies, reject all cookies, or to provide notification when a cookie is set. (Each browser is different so check the "Help" menu of the browser to learn how to change the cookie preferences.)

    If all cookies are rejected, a merchant will not be able to use Chase Merchant Services Canada products or services that require the merchant to "sign in", and the merchant may not be able to take full advantage of all offerings. However, there may be some Paymentech products and services that do not require that cookies be accepted.

    Chase Merchant Services Canada may uses its own cookies for a number of purposes, including to:

    • access merchant information when the merchant "signs in", so that customized content in online areas can be provided;
    • conduct research to improve Chase Merchant Services Canada content and services
    • require the merchant to re-enter a password after a certain period of time has elapsed to protect the merchant and others against others accidentally accessing the merchant's account contents.

    Please note that any third party usage of cookies is subject to their own privacy policies, not the Chase Merchant Services Canada privacy policy.

  2. Third Party Links

    With a view to provide increased value to visitors to our website, Chase Merchant Services Canada may choose various third party websites to link to from its own site. However, even if the third party is affiliated with Chase Merchant Services Canada, Chase Merchant Services Canada has no control over these linked sites, each of which may (or may not) have their own privacy policies and practices in place. Chase Merchant Services Canada has no responsibility or liability for these independent policies or practices or for the content of such websites. These linked sites are for your convenience and you access them at your own risk. Nonetheless, Chase Merchant Services Canada seeks to protect the integrity of its website and the links placed upon it and therefore it requests any feedback not only on its own site, but for sites it links to as well (including if a specific link does not work).

  3. Online Security

    Chase Merchant Services Canada uses Secure Socket Layer and 128 bit encryption technologies to increase security levels when you visit certain secured areas of the Chase Merchant Services Canada websiteIn addition, merchants are also required to use a user ID and password to enter certain secured areas of the Chase Merchant Services Canada website.

    From time to time, Chase Merchant Services Canada reviews and updates its security measures (including its online security measures) in an effort to protect information in the most effective manner possible.

Amending this Privacy Policy

Chase Merchant Services Canada reserves the right to amend this Privacy Policy along with any related provisions from time to time. If we materially change our privacy policies, we will take reasonable measures to notify you of these changes. If you are concerned about how your personal information is used or disclosed, you should check back at our website periodically or contact us as described above to obtain a current copy of our Privacy Policy. The latest update to this Privacy Policy was done in August 2014.