Privacy Policy
Vivid Commerce, Inc. (“Vivid,” “we,” “us,” or “our”) provides websites, merchant applications, payment-processing and merchant-services relationships, portals, communications, and other products and services (collectively, the “Services”). This Privacy Policy describes how we collect, use, disclose, and retain information in connection with the Services. It applies to information we receive directly from you and from merchants, business owners and control persons, payment processors, financial institutions, service providers, business partners, public sources, and other sources permitted by law. A third party's own processing may also be governed by that party's privacy notice.
We will not use or share your information with anyone except as described in this Privacy Policy.
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We use and disclose information as described in this Privacy Policy and any additional notices presented in connection with a particular product or service. Where required, we will provide additional notice or obtain consent. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at www.hellovivid.com
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Information Collection And Use
Depending on how you interact with us and the products or services involved, we may collect information such as business identity, registration, ownership, management, tax, and contact information; information about beneficial owners, control persons, and authorized representatives; payment-processing, transaction, sales, chargeback, refund, and settlement information; merchant identification numbers; settlement and linked bank-account information; application, eligibility, underwriting-support, enrollment, and product-usage information; device, portal, communication, fraud-prevention, compliance, and servicing information; and other information reasonably necessary to provide merchant services or a product you request.
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We may collect, use, analyze, and disclose information to provide and support merchant services; identify and present products or features that may be available to you; prepopulate and prepare applications or enrollment experiences; verify business, ownership, identity, and bank-account information; support eligibility assessment and underwriting; administer payment processing and settlement; facilitate repayment or recoupment authorized under applicable product terms; monitor transactions, settlement activity, performance, fraud, risk, and compliance; service active products; reconcile activity; communicate with you; improve services; and satisfy legal, regulatory, audit, recordkeeping, and risk-management obligations.
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Log Data
We may also collect information that your browser sends whenever you visit our Service (“Log Data”). This Log Data may include information such as your computer's Internet Protocol (“IP”) address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.
In addition, we may use third party services such as Google Analytics that collect, monitor and analyze this type of information in order to increase our Service's functionality. These third party service providers have their own privacy policies addressing how they use such information.
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Cookies
Cookies are files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and transferred to your device. We use cookies to collect information in order to improve our services for you.
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You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. The Help feature on most browsers provide information on how to accept cookies, disable cookies or to notify you when receiving a new cookie.
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If you do not accept cookies, you may not be able to use some features of our Service and we recommend that you leave them turned on.
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Behavioral Remarketing
Vivid Commerce, Inc. may use remarketing services to advertise on third party web sites to you after you visited our Service. We, and our third party vendors, use cookies to inform, optimize and serve ads based on your past visits to our Service.
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Google
Google AdWords remarketing service is provided by Google Inc.
You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads
Google also recommends installing the Google Analytics Opt-out Browser Add-on - https://tools.google.com/dlpage/gaoptout - for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: http://www.google.com/intl/en/policies/privacy/
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Facebook
Facebook remarketing service is provided by Facebook Inc.
You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950
To opt-out from Facebook's interest-based ads follow these instructions from Facebook: https://www.facebook.com/about/ads/#568137493302217
Facebook adheres the Self-Regulatory Principles for Online Behavioral Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.
For more information on the privacy practices of Facebook, please visit Facebook's Data Policy: https://www.facebook.com/privacy/explanation
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Do Not Track Disclosure
We support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.
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You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
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Service Providers
We may disclose information to service providers, bank partners, processors, payment networks, settlement partners, identity-verification and fraud-prevention providers, professional advisers, auditors, regulators, and other parties that provide or support the Services and the purposes described in this Policy. Some recipients process information on our behalf and are subject to contractual restrictions. Other recipients, including financial institutions and providers of integrated products, may process information under their own legal obligations, terms, and privacy notices.
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Jaris-Powered Features
Vivid may make features powered by Jaris, Inc. and its affiliates available to merchants, including business financing, Instant Payout, settlement management, and related services. Jaris provides technology, program-management, settlement-administration, monitoring, and servicing or servicing-support services. First Internet Bank of Indiana, Member FDIC, may provide applicable banking services or business credit products.
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When we prepare, present, or support a Jaris-powered feature, we may disclose relevant information to Jaris, First Internet Bank of Indiana, payment processors, settlement partners, identity-verification and fraud-prevention providers, and other service providers involved in the feature. The information may include business and contact information; information about owners, control persons, and authorized representatives; payment-processing and transaction activity; settlement history and flows; linked bank-account information; application or enrollment information; and related fraud, compliance, risk, and servicing information.
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Information may be used to identify potential eligibility, prepopulate and prepare application or enrollment experiences, verify information, support underwriting and fraud prevention, present and deliver selected products, administer settlement and product-authorized payment or recoupment instructions, monitor activity, service active products, reconcile activity, and satisfy legal, regulatory, audit, and recordkeeping obligations. Sharing information for preparation or potential eligibility does not submit an application, activate a product, or establish a managed settlement arrangement. If you elect a Jaris-powered feature, the applicable Jaris, bank, and product terms and notices will be presented through the relevant application or enrollment flow.
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Ongoing Access and Monitoring
Vivid and the recipients described in this Policy may receive, access, monitor, and analyze relevant processing, transaction, settlement, account, and product information on an ongoing basis for eligibility, underwriting support, servicing, settlement administration, repayment facilitation, fraud prevention, risk management, compliance, audit, reconciliation, reporting, and program integrity. This access may continue while a product is available or active and afterward to the extent reasonably necessary to complete servicing, repayment, reconciliation, dispute resolution, audit, legal, regulatory, or recordkeeping obligations.
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Retention
We retain information for as long as reasonably necessary to provide services, administer the merchant relationship, service active or outstanding products, reconcile activity, prevent fraud, resolve disputes, enforce agreements, conduct audits, and satisfy legal, regulatory, tax, accounting, and recordkeeping requirements. Jaris, First Internet Bank of Indiana, and other recipients may retain information under their own retention policies and applicable banking, lending, servicing, and regulatory requirements, including after the Vivid relationship ends.
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Communications
We may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send.
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Compliance With Laws
We will disclose your Personal Information where required to do so by law or subpoena or if we believe that such action is necessary to comply with the law and the reasonable requests of law enforcement or to protect the security or integrity of our Service.
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Business Transaction
If Vivid Commerce, Inc. is involved in a merger, acquisition or asset sale, your Personal Information may be transferred as a business asset. In such cases, we will provide notice before your Personal Information is transferred and/or becomes subject to a different Privacy Policy.
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Security
The security of your Personal Information is important to us, and we strive to implement and maintain reasonable, commercially acceptable security procedures and practices appropriate to the nature of the information we store, in order to protect it from unauthorized access, destruction, use, modification, or disclosure.
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However, please be aware that no method of transmission over the internet, or method of electronic storage is 100% secure and we are unable to guarantee the absolute security of the Personal Information we have collected from you.
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International Transfer
Your information, including Personal Information, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.
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If you are located outside United States and choose to provide information to us, please note that we transfer the information, including Personal Information, to United States and process it there.
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Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
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Links To Other Sites
Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.
We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services. This link disclaimer does not describe integrated products or services for which Vivid intentionally discloses information as described in this Policy. When you access a Jaris-powered feature, information may also be processed under Jaris's Privacy Policy and, where applicable, First Internet Bank of Indiana's privacy notice. You may be required to review those notices and applicable terms before accessing or activating a feature.
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Children's Privacy
Only persons age 18 or older have permission to access our Service. Our Service does not address anyone under the age of 13 (“Children”).
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We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you learn that your Children have provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from a children under age 13 without verification of parental consent, we take steps to remove that information from our servers.
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Changes To This Privacy Policy
Effective Date: 1/1/2026. We may update this Privacy Policy from time to time. The effective date above will identify when a revised Policy applies. If a change materially affects how we use or disclose information previously collected, we will provide notice and obtain consent where required by applicable law or our agreements.
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If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.
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Contact Us
If you have any questions about this Privacy Policy, please contact us.