Privacy Policy

Introduction

Welcome to kooler!
As part of our mission to help make commerce better for everyone, kooler collect and process a lot of information. This Privacy Policy is intended to help you better understand how we collect, use and store your personal information—whether you are a merchant or end user that uses kooler’s products, applications or services (together, the “Services”), a customer that shops at a store using our technology, a customer that has opted into kooler, a participant in kooler “Partners” program, or whether you’re simply visiting this website. By using any of kooler’s services, or by dealing with a merchant using kooler’s services, you are agreeing to the terms of this Privacy Policy and, as applicable, the kooler Terms of Service.

We may update this Privacy Policy from time to time in order to reflect, for example, changes to our privacy practices or for other operational, legal, or regulatory reasons. If we make material changes to this Privacy Policy, we will give you notice of such changes by posting the revised policy on this Website, and where appropriate, by other means. By continuing to use this Website or the Support Service after these changes are posted, you agree to the revised policy.

Information from merchants

Privacy matters! If you are a merchant, your customers need to understand how you (and how Kooler) collects and processes their personal information as the data controller. Accordingly, if you use the Services, you agree to post an up-to-date and accurate privacy policy on your storefront that complies with the laws applicable to your business. You also agree to obtain consent from your customers for the use and access of their personal information by Kooler and other third parties. In addition, if you are collecting any sensitive personal information from your customers (including information relating to medical or health conditions, racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership or sexuality), you agree to obtain affirmative, express consent from your customers for the use and access of sensitive personal information by Kooler and other third parties. To help you get started on creating your own privacy policy, you can check out our privacy policy generator.

What information do we collect from merchants and why?

  • We collect your name, company name, address, email address, phone number(s) and payment details (for example, your credit card information).
    • We use this information to provide you with our Services; for example, to confirm your identity, contact you, provide you with advertising and marketing, and invoice you. We also use this information to make sure that we comply with legal requirements.
  • We collect data about the Kooler websites that you visit. We also collect data about how and when you access your account and the Kooler platform, including information about the device and browser you use, your network connection, your IP address, and information about how you browse through the Kooler interface.
    • We use this information to give you access to and improve our Services; for example, to make our platform interface easier to use. We also use this information to personalize the Services for you; for example, by shifting the order of apps in the Kooler app store to show you apps we believe may be of interest to you. Finally, we may use this information to provide you with advertising or marketing.
  • Upon completing the sign-up process for the Services, and depending on your location, we may create a Kooler Payments account on your behalf. If you activate a Kooler Payments account (applicable to merchants in certain jurisdictions), we collect your business address, business type, business ID number, date of birth (if you are an individual business owner), bank account information and government-issued identification information where applicable, such as your Social Security Number or your Social Insurance Number or, alternatively, if you are Canadian merchant and elect not to provide your Social Insurance Number, a copy of your government-issued identification.
    • We use this information to create a Kooler Payments account for you, to provide you with Kooler Payments services, including fraud and risk monitoring, and to comply with applicable legal and regulatory requirements.
  • We collect personal information about your customers that you share with us or that customers provide while shopping or during checkout.
    • We use this information to provide you with our Services and so that you can process orders and better serve your customers.
  • Where we need to verify your identity (for example, if there are concerns around identity theft, or if you call into support and we need to authenticate your account), we may request that you provide us with government-issued identification information.
  • We use some of the personal information you provide us to conduct some level of automated decision-making — for example, we use certain personal information to help us screen accounts for risk or fraud concerns.
  • We will also use personal information in other cases where you have given us your express permission.

When do we collect this information?

  • We collect personal information when you sign up for our Services, when you access our Services or otherwise provide us with the information.
  • We also partner with third parties who provide us information about merchants or prospective merchants, for example to help us screen out merchants associated with fraud.

When and why do we share this information with third parties?

  • Kooler works with a variety of third parties and service providers to help provide you with our Services and we may share personal information with them to support these efforts.
  • We may also share your information in the following circumstances:
    • to prevent, investigate, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Service or any other agreement related to the Services, or as otherwise required by law.
    • to help us conduct marketing and/or advertising campaigns.
    • to conform to legal requirements, or to respond to lawful court orders, subpoenas, warrants, or other requests by public authorities (including to meet national security or law enforcement requirements).
  • Personal information may also be shared with a company that acquires our business, whether through merger, acquisition, bankruptcy, dissolution, reorganization, or other similar transaction or proceeding. If this happens, we will post a notice on our home page.
  • Kooler will always ask for your consent before sharing your personal information with third parties for purposes other than those described in this Section 2.
  • Kooler is responsible for all onward transfers of personal information to third parties in accordance with the EU-U.S. Privacy Shield Framework, the Swiss-U.S. Privacy Shield Framework, and Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA).

Information From Customers

What information do we collect from our merchants’ customers and why?

  • We collect our merchants’ customers’ name, email, shipping and billing address, payment details, company name, phone number, IP address, information about orders you initiate, information about the Kooler-supported merchant stores that you visit, and information about the device and browser you use.
    • We use this information to provide our merchants with the Services, including supporting and processing orders, risk and fraud screening, authentication, and payments. We also use this information to improve our Services.
    • If you opt into Kooler Pay, we store and use this information to pre-fill your checkout information. We additionally use this information to help customize and improve your experience when you visit a merchant store by presenting to you goods and service that are more likely to be of interest to you.
  • We use some of the personal information you provide us to conduct some level of automated decision-making — for example, we use certain personal information (for example, IP addresses or payment information) to automatically block certain potentially fraudulent transactions for a short period of time.

When do we collect this information?

  • We collect this information when you use or access a store that uses our Services, such as when you visit a merchant’s site, place an order or sign up for an account on a merchant’s site.
  • We also collect this information when you opt into Kooler Pay, or use Kooler Pay to pre-fill your checkout information.
  • Additionally, we partner with third parties who provide us information about our merchants’ customers, for example to help us screen out merchants associated with fraud.

When and why do we share this information with third parties?

  • Kooler works with a variety of third parties and service providers to help provide our merchants with the Services and we may share personal information with them to support these efforts.
  • We may also share your information in the following circumstances:
    • to prevent, investigate, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Service or any other agreement related to the Services, or as otherwise required by law.
    • If the merchant whose store you visit or access directs us to transfer this information (for example, if they enable a third party app that accesses customer personal information).
    • to conform to legal requirements, or to respond to lawful court orders, subpoenas, warrants, or other requests by public authorities (including to meet national security or law enforcement requirements).
  • Personal information may also be shared with a company that acquires our business or the business of a merchant whose store you visit or access, whether through merger, acquisition, bankruptcy, dissolution, reorganization, or other similar transaction or proceeding.
  • Kooler is responsible for all onward transfers of personal information to third parties in accordance with the EU-U.S. Privacy Shield Framework, the Swiss-U.S. Privacy Shield Framework, and Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA).

Information From Partners

Partners are individuals or businesses that have agreed to the terms of the Kooler Partner Program to work with Kooler to promote the Services by (a) referring clients to Kooler; (b)developing Kooler store themes for merchant use; or (c) developing apps using the Kooler Application Interface (API) for merchant use.

What information do we collect from partners and why?

  • We collect your name, company name, website, twitter or other social media handles, phone number(s), address, business type, email address, PayPal Account, and GST/HST number.
    • We use this information to work with you, confirm your identity, contact you, pay you and to screen for risk, fraud, or other similar types of issues.
  • We collect data about the Kooler websites that you visit. We also collect data about how and when you access your account and the Kooler platform, including information about the device and browser you use, your network connection, your IP address, and information about how you browse through the Kooler interface.
    • We use this information to give you access to and improve our Services; for example, to make our platform interface easier to use. We also use this information to personalize the Services for you; for example, by shifting the order of apps in the Kooler app store to show you apps we believe may be of interest to you.
  • We collect personal information about your customers that you share with us or that they provide to us directly.
    • We use this information to work with you and to provide our Services to your customers.
  • We will also use personal information in other cases where you have given us express permission.

When do we collect this information?

  • We collect this information when you sign up for a partner account, when you sign up one of your customers for our Services, or when your customers sign up themselves. We also collect any additional information that you might provide to us.

When and why do we share this information with third parties?

  • Kooler works with a variety of third parties and service providers to help provide you with our Services and we may share personal information with them to support these efforts.
  • We may also share your information in the following circumstances:
    • to prevent, investigate, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Service or any other agreement related to the Services, or as otherwise required by law.
    • to help us conduct marketing and/or advertising campaigns.
    • to conform to legal requirements, or to respond to lawful court orders, subpoenas, warrants, or other requests by public authorities (including to meet national security or law enforcement requirements).
  • Personal information may also be shared with a company that acquires our business, whether through merger, acquisition, bankruptcy, dissolution, reorganization, or other similar transaction or proceeding. If this happens, we will post a notice on our home page.
  • Kooler will always ask for your consent before sharing your personal information with third parties for purposes other than those described in this Section 4.
  • Kooler is responsible for all onward transfers of personal information to third parties in accordance with the EU-U.S. Privacy Shield Framework, the Swiss-U.S. Privacy Shield Framework, and Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA).

Information from Cookies and Similar Tracking Technologies

What is a cookie? A cookie is a small amount of data, which may include a unique identifier. Cookies are sent to your browser from a website and stored on your device. We assign a different cookie to each device that accesses our website.

Why does Kooler use cookies and similar tracking technology?

  • We use cookies to recognize your device and provide you with a personalized experience on our websites, or otherwise through the Services. We also use cookies as part of the Services, for example to operate the shopping cart for our merchants’ stores. Read more about how we use cookies on our sites and our merchants’ sites in our Cookie Policy.
  • We also use cookies to serve targeted ads from Google, Facebook, Bing, SourceKnowledge, and other third-party vendors.
  • Our third-party advertising partners use cookies to track your prior visits to our websites and elsewhere on the Internet in order to serve you targeted ads.
  • We may also use web beacons, software development kits, and other automated tracking methods on our websites, in communications with you, and in our products and services, to measure performance and engagement.
  • Please note that because there is no consistent industry understanding of how to respond to “Do Not Track” signals, we do not alter our data collection and usage practices when we detect such a signal from your browser.

Third Party Apps

Kooler’s platform allows merchants to connect their stores with third party applications to alter or provide new functionalities in their store. Unless listed as “Made by Kooler,” Kooler is not responsible for and has no control over how these apps function. Merchants ultimately can control which apps they choose to use with their stores, and are responsible for making sure that they do so in compliance with relevant privacy and data protection requirements.

For how long do we retain your personal information?

  • In general, we keep your personal information throughout your relationship with us. For merchants, this means we will keep your information as long as you maintain a store on your platform. For partners, this means we will keep your information until you inform us that you wish to terminate your partner relationship with us. For our merchants’ customers, we generally process your information solely as a data processor on behalf of our merchants, and it is up to the merchant to determine how long they will store your information in our systems.
  • Kooler acts as a data processor on behalf of our merchants, except where personal data of merchants’ customers is used for the purposes specified for us in Section 3 ‘What do we use this data for?’ Purposes include for risk and fraud screening.
  • Once you terminate your relationship with us, we generally will continue to store archived copies of your personal information for legitimate business purposes such as to defend a contractual claim or for audit purposes and to comply with the law, except when we receive a valid erasure request, or, if you are a merchant, you terminate your account and your personal information is purged pursuant to our standard purge process.
  • If you use Kooler Pay, we keep your information as long as your Kooler Pay account remains active. If you would like to delete your Kooler Pay account, and for us to delete all of your personal information stored in connection with that account, please use the “Opt Out” toolbar at the bottom of our Kooler Pay website.
  • We will continue to store anonymous or anonymized information, such as website visits, without identifiers, in order to improve our Services.

What We Don’t Do With Your Personal Information

We do not and will never share, disclose, sell, rent, or otherwise provide personal information to other companies (other than to specific Kooler merchants you are interacting with, or to third party apps or service providers being used by the merchants you are interacting with) for the marketing of their own products or services.

How do we keep your personal information secure?

  • We follow industry standards on information security management to safeguard sensitive information, such as financial information, intellectual property, employee details and any other personal information entrusted to us. Our information security systems apply to people, processes and information technology systems on a risk management basis.
  • We perform annual audits to ensure our handling of your credit card information aligns with industry guidelines. We are certified as a PCI DSS Level 1 compliant service provider, which is the highest level of compliance available, and our platform is audited annually by a third-party qualified security assessor.
  • No method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee the absolute security of your personal information.

Automated Decision-Making

In the course of offering our services, Kooler uses a number of machine learning algorithms and forms of automated decision-making. For example, we use automated decision-making: to prevent risk and fraud by merchants; to help merchants avoid fraudulent transactions from their customers; to personalize merchants’ experience when they use our admin and app store; and to determine eligibility for certain services (like Kooler Capital).

Most of these algorithms (excluding the personalization features and a subset of customer risk/fraud screening, discussed in more detail below) are not fully automated and include some human intervention (for example, customer risk and fraud scores are provided to merchants, who must intentionally decide how to act on them). Our personalization algorithms are fully automated, but only affect display features like how apps in the app store are presented to you. Similarly, we have a small subset of fully automated fraud screening blacklists, which, if we believe a transaction was made using stolen or fraudulent payment information, may stop a customer from completing a transaction–but only for a period of between a few hours and a few days.

Control over and access to your personal information

Kooler understands that you have rights over your personal information, and takes reasonable steps to allow you to access, correct, amend, delete, port, or limit the use of your personal information. If you are a merchant or a partner, you can update many types of personal information, such as payment or contact information, directly within your account settings. If you are unable to change your personal information within your account settings, or if you are concerned about data collected as you visit Kooler’s websites or use our support services, please contact us to make the required changes. If you are a merchant’s customer and wish to exercise these rights, please contact the merchants you interacted with directly — we serve as a processor on their behalf, and can only forward your request to them to allow them to respond. It’s important to remember that if you delete or limit the use of your personal information, the Services may not function properly.

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