Privacy Policy

Introduction

Precognitive, Inc provides fraud prevention services and application hosting on behalf of our clients. As a hosting provider, we receive a variety of data from our clients in regards to online transactions. We respect consumers’ online privacy and are committed to following industry privacy standards and directives. This privacy policy describes the nature of how this data is stored and secured while at Precognitive, Inc. Consumers should also review the privacy policy of their direct merchant or financial provider in addition to this policy.

Purpose of Data Received

In the course of providing fraud prevention and application hosting services on behalf of our clients, Precognitive, Inc may receive consumer data that would be relevant in our clients online processing. This data may include, but not be limited to, items such as consumer name, billing address, email address, and payment instrument (“Personal Information”). This data is used for analysis to prevent online financial fraud and only retained for a limited amount of time.

Precognitive, Inc never discloses client data or consumer personal information outside of our company or business partners without knowledge and consent, except when obligated by law.

Notice

Precognitive, Inc informs individuals of the purpose for which it collects and uses the Personal Information and the uses of the data via our privacy policy on this website. Precognitive, Inc also works with its clients to identify the types, format, and security of the data sent to Precognitive, Inc.

Notice for Non-USA Citizens

Your information may be stored and processed in the United States or any other country in which Precognitive, Inc or its subsidiaries, affiliates or service providers maintain facilities. If you are located in the European Union or other regions with laws governing data collection and use that may differ from U.S. law, please note that we may transfer information, including personal information, to a country and jurisdiction that does not have the same data protection laws as your jurisdiction, and you consent to the transfer of information to the U.S. or any other country in which we or our subsidiaries, affiliates or service providers maintain facilities and the use and disclosure of information about you as described in this Privacy Policy.

Onward Transfers

Precognitive, Inc will not transfer data it receives to any outside party. If in any event this became a requirement, Precognitive, Inc would notify the client and the consumer prior to disclosing Personal Information to a third party. Precognitive, Inc would also ensure that any third party for which Personal Information upholds the same privacy standards as Precognitive, Inc.

Data Security

Precognitive, Inc takes reasonable steps to protect the Personal Information it stores and has put in place appropriate physical, electronic and managerial procedures to safeguard and secure it from loss, misuse, unauthorized access or disclosure, alteration or destruction. We cannot guarantee the security of Personal Information on or transmitted via the Internet.

Data Integrity

Precognitive, Inc only processes Personal Information in a way that is compatible with and relevant for the purpose for which it was collected or authorized by our client. To the extent necessary for those purposes, we take reasonable steps to ensure that Personal Information is accurate, complete, current and reliable for its intended use.

Access

Precognitive, Inc will allow an individual access to their Personal Information to the extent it is available and allow the individual to correct, amend or delete inaccurate information, except where the burden or expense of providing access would be disproportionate to the risks to the privacy of the individual in the case in question or where the rights of persons other than the individual would be violated.

Legal

Please read carefully before using this site:

By using the Precognitive, Inc web site, you agree to these terms of use and agree to comply with all applicable laws and regulations. We may revise these terms of use at any time without notice.

If you do not agree to these terms of use, please refrain from using this site.

Precognitive, Inc hereby authorizes you to view, print, copy and distribute information published by Precognitive, Inc on its Web site or any other publicly accessed site maintained by Precognitive, Inc (the “Sites”), provided that (a) the information may be used internally (by you or any third party to whom you distribute it) only for informational, non-commercial purposes; (b) no fee may be charged for distribution of any information to any third party; and (c) any and all copyright or other proprietary notices that appear herein, together with this Legal Notice, must appear on all copies that you make or distribute.

Disclaimers

Any information, methodologies, case studies, video files, audio files, software code, photographs, graphics, processes, technologies or other materials (the “Materials”) published on the Sites may be the subject of intellectual property rights reserved by Precognitive, Inc, its subsidiaries or licensors. Your terms of use do not grant to you a license hereunder to otherwise use, copy, distribute or transfer the Materials.

If no additional terms are provided on such Sites, any software programs or software code is governed by this provision.

All information provided via the Sites, including, without limitation, any Precognitive, Inc or its subsidiaries’ product or service plans, software programs, software code, offerings, or programs, statements of future directions, “white papers” or other technical or marketing materials (collectively, “Information”) is intended for informational purposes only and is subject to change or withdrawal by Precognitive, Inc at any time without notice. Precognitive, Inc assumes no responsibility for the accuracy or completeness of the Information. THE INFORMATION IS PROVIDED “AS IS”, WITHOUT WARRANTY OF ANY KIND, INCLUDING (WITHOUT LIMITATION) ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. PRECOGNITIVE, INC FURTHER DISCLAIMS ANY LIABILITY IN CONNECTION WITH THE SITE OR THE INFORMATION PROVIDED HEREIN. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. IN NO EVENT WILL PRECOGNITIVE, INC BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF THE SITES, THE INFORMATION, OR ON ANY OTHER HYPERLINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF PRECOGNITIVE, INC IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Copyright Information

All text, graphics, video, source code, and editorial content on this web site are proprietary to Precognitive, Inc. These materials are protected by U.S. copyright and may not be used, copied, transmitted, or reproduced in whole or in part without the express written consent of Precognitive, Inc. Use of any of Precognitive, Inc text, graphics, video, source code, and editorial content (that is hyperlinked to or affiliated with the web site in any way) for any reason or purpose is strictly prohibited. Unauthorized use of the text, graphics, video, source code, and editorial content may violate trademark, copyright, civil and criminal statutes, and privacy and publicity laws. Precognitive, Inc reserves all rights.

Feedback

Unless expressly provided otherwise by Precognitive, Inc all comments, feedback, information or materials submitted to Precognitive, Inc through or in association with the site shall be considered non-confidential and Precognitive, Inc’s property. By submitting such comments, feedback, information or materials to Precognitive, Inc, you agree to a no-charge assignment to Precognitive, Inc of all worldwide rights, title and interest in copyrights and other intellectual property rights to the comments, feedback, information or materials. Precognitive, Inc shall be free to use, copy or distribute such comments, feedback, information or materials on an unrestricted basis without accounting to you.

Links to Third Party Sites

The Sites may contain hyperlinks to other Web sites controlled by parties other than Precognitive, Inc. Precognitive, Inc is not responsible for and does not endorse the contents or use of these Web sites.

Governing Law and Jurisdiction

Precognitive, Inc controls the Sites from its offices in Chicago, Illinois, United States of America. You agree that any legal action, proceeding or other matters relating to your access to, or use of, the Information or the Sites shall be governed by U.S. federal law or the laws of the State of Illinois. You may not access, download, use or export the Information in violation of U.S. export laws or regulations, or in violation of any applicable local laws or regulations.

Contact Us

For additional questions about our privacy policy, please contact us at privacy@precognitive.io, or contact us at:

Attention: Privacy Officer

Precognitive, Inc

444 North Wabash Avenue, 5th floor‬

Chicago, IL 60611
Last modified August 24, 2016.