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Privacy Policy

1. Introduction

This Privacy Policy explains how 4Square Systems Inc. ("we," "us," or "our") collects, uses, stores, and protects your personal information when you use the Loyalty Points Program. We are committed to protecting your privacy and ensuring compliance with credit card acquirer requirements, data protection regulations, and industry best practices.

2. Information We Collect

We collect the following types of information:

  • Personal Information: Name, email address, phone number, billing information, and payment details.
  • Transaction Data: Purchase history, refunds, redemptions, and chargeback records.
  • Device & Usage Data: IP addresses, browser type, and access logs for fraud prevention.
  • AML & KYC Compliance Data: Identity verification documents, if required by regulations.

3. How We Use Your Information

Your data is used to:

  • Process transactions, refunds, and redemptions.
  • Verify your identity for fraud prevention and AML/KYC compliance.
  • Detect and prevent fraudulent activity, unauthorized access, or misuse of the Loyalty Points Program.
  • Communicate with you about your account, transactions, or security updates.
  • Ensure compliance with credit card acquirer regulations and industry security standards.

4. Data Sharing & Third Parties

We do not sell your personal information. However, we may share data with:

  • Payment Processors & Credit Card Acquirers: To process transactions and ensure regulatory compliance.
  • Fraud Prevention Services: To detect suspicious activity and mitigate risk.
  • Law Enforcement & Regulatory Agencies: If required by law or to comply with AML/KYC obligations.
  • Third-Party Service Providers: Who assist with secure payment processing, identity verification, and account management.

5. Data Security & Protection Measures

We implement strict security controls, including:

  • PCI DSS Compliance: Secure storage and processing of payment data.
  • Encryption & Tokenization: Protecting sensitive information from unauthorized access.
  • Multi-Factor Authentication (MFA): Enhancing account security.
  • Access Controls: Restricting data access to authorized personnel only.

6. Your Data Rights

You have the right to:

  • Access your personal data stored with us.
  • Request corrections to inaccurate or incomplete information.
  • Request deletion of your data, subject to regulatory requirements.
  • Opt-out of marketing communications at any time.

7. Data Retention Policy

  • We retain transaction and account data for seven (7) years to comply with AML/KYC regulations and credit card acquirer policies.
  • After the required retention period, personal data is securely deleted or anonymized.

8. Cookies & Tracking Technologies

We use cookies and similar technologies to:

  • Improve user experience and program functionality.
  • Detect fraud by monitoring device and access behavior.
  • Comply with security and regulatory requirements.

9. Modifications to This Policy

We reserve the right to update this Privacy Policy at any time. Users will be notified of significant changes, and continued use of the service constitutes acceptance of the updated terms.

10. Governing Law & Dispute Resolution

This Privacy Policy is governed by the laws of Delaware. Disputes will be resolved through binding arbitration in accordance with Delaware laws.

11. Contact Information

For privacy-related inquiries, please contact us at Support@4Square.us.