Terms and Conditions
National is committed to safeguarding the privacy and security of the information we collect. This statement explains the policies we follow with respect to the handling of customer information collected by National. Commitment to Privacy and Security National is committed to safeguarding the privacy and security of the information we collect. This privacy statement explains the policies we follow with respect to the handling of customer information collected by National.
Information We Collect
National's customers, the customers of its affiliates, and the customers of other third-parties for which National may provide outsourced or subcontracted processing services, (merchants) are businesses and other legal entities desiring to accept credit or debit cards or other payment methods, as payment for goods or services. National does not have direct relationships with, or collect information directly from, individual consumers other than in their capacity as owners or operators of a commercial enterprise. National does not provide services for consumer, personal, family or household purposes. The information we receive and collect is strictly related to our business customers and the payment transactions that we assist them in executing, as well as from prospective or potential business customers or website visitors who may be interested in learning more about our services (customer data). The transaction information we receive from our merchants may include personal financial information about their customers or applicants (e.g., name, address, credit or debit card account numbers and expiration dates, etc.) who may be individual consumers and other cardholders (cardholder data). National understands that such information is sensitive and takes appropriate steps to protect the confidentiality and security of all information collected by National in accordance with this privacy statement.
Use and Disclosure of Information
Use and disclosure of customer data collected by National varies based on the information source and type, as set forth below:
Browsing the Website
When you complete and submit a form on our website, send us an e-mail, send us a fax, or contact us by telephone to solicit information about our services or the company in general, National may store the inquiries and their contents. Information you submit via an inquiry is collected only with your knowledge and active participation, and may be used by National to respond to your inquiries, to contact you, to inform you of services of National or its partners that may be of use to you, and for similar business purposes. Information collected during the course of an inquiry will not be sold or otherwise disclosed to any third party; provided that such information may be shared internally with our affiliated entities for the business purposes set forth above.
Opening an Account or Using National Services
When you submit an application to obtain a merchant account and become a merchant, you will be required to provide us with certain information about your business, and its owners and officers, which may also act as guarantors of the Merchant's obligations. National may also obtain and store information about the merchant, and its officers, owners and guarantors, from consumer reporting agencies, credit bureaus, relevant financial institutions, and other entities. National may use, retain and disclose this information to (i) comply with any applicable federal legislation requiring National to obtain, verify, and record information that identifies each entity with which it establishes a merchant relationship, (ii) evaluate your eligibility for a merchant account, which may involve disclosure to consumer reporting agencies, commercial credit bureaus, and relevant financial institutions. National may also use your information to contact you about other National offerings and services. If you are, or become a merchant, National may disclose your information during the course of providing such services to card associations, banks and other financial institutions that are involved in the course of processing or screening the transaction, and to third parties that have contracted with National to perform certain functions of our services on our behalf. In addition, National may use, or disclose your information to third parties for the additional purposes of facilitating and completing merchant-initiated or authorized transactions, complying with federal, state and local laws, including credit reporting laws and card association rules, assisting in preventing fraud, or informing you about general company news, product updates and developments, card association rules, and industry trends, offering you products and services that may be of interest to you, or as otherwise may be permitted or required by applicable law.
Conduct research to improve National content and services.
Require you to re-enter your National password after a certain period of time has elapsed to protect you against others accidentally accessing your account contents or otherwise accessing your account contents without authorization. Third-Party Web Sites
National may create links to third-party Web sites. In addition, National may authorize third-parties to create links to National websites. National is not responsible for the content or privacy practices employed by third-party Web sites. Neither does National control or warrant the utility, merchantability or workmanship of the products or services offered at third-party Web sites.
National does not solicit or knowingly accept information from persons under the age of eighteen (18). Our web sites are not designed with the intent to attract or encourage viewing by children.
Safe Harbor Participation for EU Cardholder Data National recognizes that the European Union ("EU") has an "omnibus" data protection regime established pursuant to the European Commission Data Protection Directive (95/46/EC) (the "Directive"). The Directive generally restricts the transfer of personally identifiable information about individuals in the EU to the United States, unless there is "adequate protection" for such information when it is received in the United States. In addition to processing transactions for its own merchants based in the United States, National provides processing services in the U.S. for its European affiliates. To address the restrictions in the Directive, National in the United States ("CPL") adheres to the EU Safe Harbor Privacy Principles published by the US Department of Commerce ("Safe Harbor") with respect to Cardholder Data about merchants' customers in the European Union that we receive in the United States ("EU Cardholder Data"). We act as a data processor on behalf of merchants with respect to EU Cardholder Data, and accordingly follow each Merchant's instructions with regard to the collection, processing and protection of EU Cardholder Data. Our Merchants act as the data controller for any EU Cardholder Data. If any consumers in the EU have any questions about our handling of their EU Cardholder Data, such consumers should first contact the merchant as this may be the most efficient means of addressing such issues. Consumers in the EU may also reach out to the CPL Safe Harbor Privacy Contact in the Legal Department at National. Questions that are not otherwise resolved with the Merchant and/or CPL may also be directed to local EU data protection authorities.
Modifications to Privacy Statement
We continue to review our policies and procedures to assure that they are effective in meeting our commitments to our merchants. National reserves the right to change this Privacy Statement without notice at any time and from time to time, including as needed to comply with the rules and regulations of the various debit and credit card organizations, or to comply with applicable local, state and federal laws and regulations.
If you have a question or comment regarding this Privacy Statement, please contact:
National Discount Merchant Services
12335 Santa Monica Blvd., Los Angeles, CA 90025.
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.
Scope of Use
These terms and conditions apply to your use of all of the sites and services owned or operated by National, and affiliated companies. Unless we say otherwise, all references to the National sites in these terms and conditions include all such sites. These terms and conditions do not apply to your use of unaffiliated sites to which any of the National sites only links.
Restrictions on Use of Materials
The content of this site and any other National site is protected by copyright and trademark laws, and is the property of National. Materials located within National sites may be accessed only for your business' use. You agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create works from such materials or content or in any way exploit the material or content of an National site. This means you may download copies of posted materials for business use only, so long as you neither change nor delete any author attribution, trademark, legend or copyright or other proprietary notices. When you download copyrighted material, you do not obtain any ownership rights in that material. As noted above, reproduction, copying, or redistribution of any material within a National site is strictly prohibited without the express written permission of National. You also may not, without National's permission, "mirror" any materials contained within any National site or any other service. Any unauthorized user of any material contained within any National site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
The information, materials, products and services within National websites are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products or services is subject to determination by and approval of National and/or affiliated companies.
These terms and conditions apply only to the National sites, and not to the sites of any other companies or organizations, including those to which any of the National sites may link. We are not responsible for the availability of any other site to which any of the National sites link. We do not endorse or take responsibility for the contents, advertising, products or other materials made available through any other site. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of, or reliance on, any content, goods or services available on any other site. You should direct any concerns to that site's administrator or web master. Permission must be granted by National for any type of link to any National site. To seek permission, submit your request in writing to: firstname.lastname@example.org . We reserve the right, however, to rescind any permission granted by us and to require termination of any such link to any of the National sites, at our discretion at any time.
The services, products, information, materials, and functionality on any National site are provided "AS IS" and without warranties of any kind, either express or implied, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus or other harmful components, is given in conjunction with the information, materials, products and services. Neither National nor any of its affiliated companies warrant the accuracy, adequacy, completeness or timeliness of information, materials, products and services, or functionality on an National site or the error free use of an National site.
Neither National nor any of its affiliated companies nor any of its or their respective licensors or suppliers warrant or make any representations regarding the use or the results of the use of the services, products, information, materials and functionality within a National site in terms of correctness, accuracy, reliability or otherwise. National is not a party to, and does not monitor, any transaction between users and third party providers of products or services.
Limitations on Liability
We will, under no circumstances, be liable for any damages, losses, or liabilities including without limitation, direct or indirect, incidental or consequential damages, losses, or liabilities, in connection with your use of an National site or your reliance on or use or inability to use the information, materials, products, services, or functionality on this site, or in connection with any failure of performance, error, omission, interruption, defect, delays in operation or transmission, computer virus or line or system failure, even if National is advised of the possibility of such damages, losses, or expenses.
National is committed to protecting the security of our users. We always use industry-standard security technologies when transferring and receiving customer data exchanged within our websites. Please keep in mind, however, that no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, we cannot guarantee the security of any information you transmit using our website and you transmit such information at your own risk. National further does not assume responsibility for use or disclosure of your information that are the result of unauthorized or illegal access to our systems or those of our vendors or partners.
National is not responsible for the content of third party sites hyperlinked from this page, nor does it guarantee the products or services offered on third party sites. Your use of the hyperlinks is at your own risk. You should review the privacy statement of a web site before you provide personal or confidential information.
Your use of this web site is governed by the State of California and applicable federal laws.
Your Acceptance of These Terms