Reshop US, Inc., including through its affiliates (collectively, “Reshop,” “we,” “us” or “our”), provides refund, return and shopping related products and services, including access to related third-party financial products and services, (the “Services”). We collect and process information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“Personal Information”) as described in this Reshop Privacy Policy (this “Policy”).
This Policy contains details about how we collect, use, and share with third parties Personal Information that we obtain from and about you, including when you use the Services through our website, our app, or the websites or apps of our retailers and other partners (collectively, the “Websites”) or where a link to this Policy is posted. Please read this Policy carefully.
We obtain Personal Information about you from various sources in order to provide the Services, manage the Websites and for other purposes described below. You may be a visitor to our Websites, a customer of a business that has contracted with us to offer our Services to you (a “Retailer”), or a business contact from a Retailer or one of our partners or service providers.
We may collect and retain the following types of Personal Information:
Identifiers
Such as your name, email address, billing address, residential address, country of residence, phone number, unique personal identifiers (e.g., device or advertising identifiers), internet protocol address, government-issued identification, or other similar identifiers.
Financial Information
Such as debit and credit card information, government-issued tax identifiers, bank account information, transaction and other information regarding your use of financial products and services to which we provide you access as part of the Services, and other similar financial information.
Protected Characteristics
Information relating to protected classes, such as age, citizenship and date of birth.
Commercial Information
Including products or services purchased, obtained, returned, refunded, or considered, or other purchasing or consuming histories, preferences or tendencies.
Service and Internet Usage Information
Such as your IP address, UDID, advertising identifier, and device identifier; device functionality (browser, operating system, hardware, mobile network information); the URL that referred you to our Service; the areas within our Service that you visit and your activities there (including emails); your device location; your device characteristics; and other information for your interactions with and use of the Websites or our Services.
Geolocation information
Information such as longitude and latitude from your IP address or mobile device when using our Websites that may provide approximate location of the device you are using.
Sensory Data (Audio, electronic, visual, or similar information)
Information such as audio recordings when you speak with our representatives.
Professional or Employment Information
With respect to existing or prospective Retailers, partners, and other service providers, such as job title, business address, or other professional information.
Sensitive Personal Information
We also collect the following categories of sensitive information, referred to herein collectively as “Sensitive Personal Information”:
Our Retention of Your Personal Data
The length of time for which we retain each category of Personal Information described above depends on the purposes for which we collected and use it and as required to comply with applicable laws. We keep your Personal Information for no longer than reasonably necessary to achieve the purposes for which it was collected or processed. The criteria used to determine the period of time such Personal Information is retained includes the nature and sensitivity of the Personal Information, the potential risk of harm from unauthorized use or disclosure of the Personal Information, as well as on the basis of applicable legal requirements (such as applicable statutes of limitation).
Summary of Personal Information Disclosed to Third Parties
Below is a summary of the categories of Personal Information that we disclosed to third parties in the previous 12 months and the categories of third parties to whom we disclosed it.
We collect Personal Information about you in the following ways and from the following sources:
In connection with the Services. If you have requested Services from us, we will receive certain Personal Information from you. In providing the Services, we may also obtain certain Personal Information from third parties, including the Retailer and its service providers through which you purchased such goods or services, or are requesting to return the goods or services, or otherwise interacted with in connection with the Services. The Personal Information that we collect may include: information about you to establish, verify, and maintain an account relationship with you; your interaction and transactions with Retailers, financial services and/or products to which we provide you access, and other third parties that you use in connection with the Services.
Directly from you. We also collect Personal Information directly from you when you create an account, request a transaction, contact us, use the Websites, or otherwise interact with the Services such as making transactions using financial products and/or services that we make available to you.
Through cookies and other tracking technologies. We may collect information about how you use the Websites or otherwise interact with us online automatically, such as IP address, information about your device, internet usage, browsing preferences, browser type, website activity, and other technical information when you interact with us online.
From third parties. We may collect Personal Information from third parties, such as Retailers and their service providers, identity verification and fraud detection vendors, logistics companies, service providers, or from others interacting with us.
From public sources. We may collect information about you from public sources such as government entities that maintain public records or information you submit in public forums.
We may combine information that we receive from the various sources described in this Policy, including third party sources and public sources.
We may use Personal Information for the following purposes:
To provide the Services, such as create, verify and maintain an account relationship with you, to review and decision requests with regard to the Services such as requesting a transaction with respect to a return or purchase; facilitate or otherwise service any transactions that you request in relation to the Services; provide you with a personalized experience including personalized advertising; provide customer support; diagnose, repair and track service and product quality issues; communicate with you about the Services; authenticate your identity; to respond to requests, complaints, and inquiries; and otherwise facilitate your relationship with us.
To prevent fraud, such as using Personal Information about you obtained through our Services and from our identity verification service providers to confirm your identity and detect, prevent, and respond to security incidents or other malicious, deceptive, fraudulent, or illegal activity. Our fraud monitoring, detection and prevention services may collect Personal Information about you and use technology to help us assess the risk associated with an attempted transaction by you.
For our own internal business purposes, such as to evaluate or audit the usage, performance and safety of the Services; evaluate and improve the quality of the Services and design new products and services; operate our Websites; internal research and analytics purposes; display or evaluate the effectiveness of our advertising or marketing efforts; evaluate and improve the quality of your interactions with us; catalog your responses to surveys or questionnaires; or maintain internal business records.
For marketing, such as for contextual ad customization or to market the Services or the services of our affiliates or Retailers or other third parties. We may use Personal Information we collect to send you newsletters, surveys, questionnaires, promotions, or other information. You can unsubscribe to our email marketing via the link in the email or by contacting us.
We may disclose Personal Information to the categories of recipients described below:
Affiliates and subsidiaries. We may share Personal Information within our group of companies, which includes parents, subsidiaries, business units, and other companies that share common ownership for the purposes described above.
Service providers. We may share information with service providers or subcontractors that help us perform our business functions, including completing a transaction you request or supporting our relationship with you, such as IT providers, financial services provides, accountants, logistics providers, analytics companies, and marketing providers.
Retailers. We share Personal Information with third party Retailers in connection with the Services, such as to process requested transactions. We may also share Personal Information to detect and prevent fraud and abuse of the Services.
Partners and logistics providers. We share Personal Information with our partners and other providers to enable the Services in connection with transactions you request. We may also share Personal Information to detect and prevent fraud and abuse of the Services.
Third parties that facilitate payments and other financial services. In connection with supporting, clearing or settling payment transactions, we share Personal Information with third parties that facilitate payments and other financial services, such as payment networks (such as card brand associations), sponsoring financial institutions, clearing houses and payment processors.
Law enforcement and other government agencies. We may share information with third parties like law enforcement or other government agencies to comply with law or legal requirements; to enforce or apply our Website Terms of Use and other agreements; and to protect ours, our users’, or third parties’ rights, property or safety.
Parties to a corporate transaction. In the event that we enter into, or intend to enter into, a transaction that alters the structure of our business, such as a reorganization, merger, sale, joint venture, assignment, transfer, change of control, or other disposition of all or any portion of our business, assets or stock, we may share Personal Information with third parties in connection with such transaction. Any other entity which buys us or part of our business will have the right to continue to use your Personal Information, but only in the manner set out in this Policy.
As Directed by You. We may also share your Personal Information with third parties as directed by you to receive information held by us.
What are Tracking Technologies?
We refer to cookies, web beacons (also known as pixel tags) and other similar technology as “Tracking Technology.” A “cookie” is a small text file that is sent to or accessed from your web browser or your computer’s hard drive. Some cookies exist only during a single browsing session and some are persistent over multiple browsing sessions. A cookie typically contains the name of the domain (internet location) from which the cookie originated, the “lifetime” of the cookie (when it expires), and a randomly generated unique identifier. A cookie may also contain information about your computer, such as user settings, browsing history and activities conducted while using the Services. A “web beacon” (also called a “pixel tag”) is a piece of computer code that enables us to monitor user activity and traffic on our Websites. To learn more about cookies and web beacons, visit www.allaboutcookies.org.
How We Use Tracking Technology.
Tracking Technology helps us improve your experience of the Services. In particular, we use Tracking Technology for the following purposes:
Storing your preferences and settings. We may store settings that enable our Websites to operate correctly or that maintain your preferences over time on your device.
Sign-in and authentication. When you sign into your account on our Websites, we store a unique ID number, and the time you signed in, in an encrypted cookie on your device. This cookie allows you to move from page to page within the Website without having to sign in again on each page.
Security. We use cookies to detect fraud and abuse of our Websites and Services.
Interest-based advertising. We use cookies to collect data about your online activity and identify your interests so that we can provide advertising that is most relevant to you.
Analytics. To provide the Services and improve your user experience on our Websites, we use cookies and other identifiers to gather usage and performance data.
Performance. We use cookies to ensure that our Websites remain up and running.
Tracking Technologies – Your Additional Choices:
Browser Settings: In addition, you can exercise control over browser-based cookies by adjusting the settings on your browser, and mobile devices may offer ad and data limitation choices. Please note that when you use cookie control tools, you will have to change your settings for each browser and device you use, and your limitation on cookies can limit the functionality of online services you use, including our services. In addition, third party tools may enable you to search for and opt-out of some of these trackers
Mobile Device Settings: You can use mobile device settings to limit mobile tracking technologies and associated activities. For instance, you can adjust or reset the advertising identifiers on your mobile device in the device settings of iOS and Android devices. iOS users can visit Settings > Privacy > Advertising > Reset Advertising Identifier. Android users can visit Google settings > Ads > Reset advertising ID. These controls work much like deleting cookies in a browser—the device is harder to associate with past activity, but tracking may still occur using the new advertising identifier.
Certain features of the Services depend on cookies. Please be aware that if you choose to refuse or delete cookies, some of our Website functionality may be impaired. If you change computers, devices, or browsers, or use multiple computers, devices, or browsers, and delete your cookies, you may need to repeat this process for each computer, device, or browser. Please refer to your browser’s Help instructions to learn more about how to manage cookies and the use of other Tracking Technologies.
The security of your Personal Information is very important to us. We maintain organizational, technical and administrative measures designed to protect Personal Information within our organization against unauthorized access, destruction, loss, alteration or misuse. However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially reasonable means to protect your Personal Information, we cannot guarantee absolute security.
If you have reason to believe that your Personal Information is no longer secure (for example, if you feel that the security of your account has been compromised), please contact us immediately at info@reshop.com.
We do not knowingly collect or sell any information, including Personal Information, from children under 16 years of age. The Services are intended for individuals at least 18 years of age and older. They are not directed at, marketed to, or intended for, children under 16 years of age. If you believe that we have inadvertently collected Personal Information from a child under the age of 16, please contact us using one of the methods identified in “Contact Information” below, and we will take immediate steps to delete the Personal Information.
In certain cases, we may send you SMS text messages regarding our Services, at the phone number you have provided us and/or the phone number you used to originally make an associated purchase.
To opt-out at any time, respond to the text with STOP. When you opt-out of receiving text messages, it does not affect other Services that are provided.
Our Websites may contain links to external sites or other online services that we do not control, including those embedded in third party advertisements or sponsor information. We are not responsible for the privacy practices and data collection policies for such third-party services. You should consult the privacy policies of those third-party services for details.
By using the Services, you acknowledge and agree to our website Terms of Service.
If you have questions regarding this Policy or our privacy practices generally, please contact us at:
Email: info@reshop.com
We may update this Policy from time to time. The current Policy will be effective when posted. Please check this Policy periodically for updates. If any of the changes are unacceptable to you, you should cease interacting with us. When required under applicable law, we will notify you of any changes to this Policy by posting an update on the Websites.
If you are having trouble viewing or accessing this Policy or need it made available to you in an alternative format, please contact us at support@reshop.com.
Reshop Visa Prepaid Card is valid only in the U.S. Limited Use. The Reshop Card is issued by Pathward® N.A., Member FDIC, pursuant to a license from Visa® U.S.A Inc. The Reshop Card is powered by Marqeta. The card can be used anywhere Visa debit cards are accepted. No cash access.
