Privacy Policy – Global, other than UK and Europe

Last Updated: May 2024

Splitit is committed to your right to privacy. Reference to “Splitit” “we,” “us” or the “Company” is a reference to Splitit Ltd. and the relevant affiliates or subsidiaries involved in the data processing activity, including the collection, holding, use and disclosure of Personal Data. This Privacy Policy (“Privacy Policy”), is an integral part of our terms and conditions applicable to you, and governs the data collection, processing, use, transfer and disclosure made by us (or by anyone on behalf of us) in connection with:

(i) visitors to our website: https://www.splitit.com/ (respectively, “Visitor” and “Website”);

(ii) the services provided by Splitit, including a payment solution offered by Splitit to its customers (e.g., merchants and retailers of e-commerce platforms that host or embed Splitit solution) (respectively, “Splitit Solution” “Merchant”); and

(iii)  transactions made by Merchant’s consumers via Splitit Solution; and

(iv) other related services and applications (collectively, “Services”).

We also process Personal Data on behalf of Merchants with respect to transactions made by Merchant’s individual customers via the Splitit Solution (“Consumer”).  If you are a Consumer, we are a data processor of your Personal Data on behalf of the Merchant, who is the data controller.  Each of the Visitors, Merchant and Consumer shall also be referred to herein as “you” or “User”.   If you choose to use the Services, interact with the Website, or provide data to us otherwise, you explicitly agree to the use of such data in accordance with this Privacy Policy. You may not use the Website and/or Services or submit any data through them if you do not agree to any of the terms hereunder. This Privacy Policy shall not be construed in any manner to derogate from the terms and conditions of the Website, or any other agreement or understanding between Splitit and you.

The English language version of this Privacy Policy shall be controlling in all respects and shall prevail in case of any inconsistencies or discrepancies with translated versions of this Privacy Policy (including any related documents). THE HIGHLIGHTS:

• Our Website and Services are intended for Users over the age of 16, or equivalent minimum age for either providing consent to processing of Personal Data or using the Services in the relevant jurisdiction. Users under such age are not permitted to use the Services. In certain jurisdictions using the Services may be restricted for Users under the age of 21. 
• In certain jurisdictions, you will be entitled under applicable law to request; review access; amendment, correction, erasure; restriction; or the portability of the Personal Data processed by us. Please note that in case you request to erase, or restrict the processing, or withdraw consent to the processing of your Personal Data, your use of the Services may be restricted or disabled. You may be entitled to exercise additional rights under the CCPA, please refer to our User Rights Policy.

• We do not sell, trade, or rent Users’ Personal Data to third parties. We only share Personal Data with third parties in connection with the provision of the Services to our Users, or other limited circumstances as specified herein. 

• If you have any questions or requests regarding your Personal Data, or would otherwise like to contact us in connection with this Privacy Policy, please send us an email to:  [email protected]. 

1. What is Personal Data, and what data is collected about me by Splitit?

“Personal Data” or “Personal Information” (will be referred together as “Personal Data”), means any information about an identifiable individual or that identifies or can be used to identify a natural person, directly or indirectly, including, but not limited to, first and last name, phone number, email address, online identifiers, IP address or other online identifiers, billing information, information concerning households, devices etc. “Non-Personal Data”, means non-identifiable aggregated data or anonymized data that falls outside the definition of Personal Data. This data is not used to identify individuals.

2. For what purposes and based on which legal bases do we process your Personal Data?

In general, we may process certain of the Personal Data mentioned herein for the scenarios described below.

Type of user and type of Data	Purposes for which we may collect, use or disclose this Personal Data
Merchants onboarding If you register as a Merchant to our Services, we will collect, use and disclose your information during the registration process. Such information includes, but is not limited to, your name, position, region, company, email address, contact details of your contact person, financial information (e.g., bank account details), etc. This information is collected from you directly when you engage with us (for instance when executing an agreement with us or signing a purchase order).  We collect this information directly from you when you ask for a demo or when you engage with Splitit in a merchant agreement.	To onboard you to our Services and/or implement the Splitit Solution within your platform; To provide you with the Services; To identify authorized Users to access the Services; To resolve any disputes, communicate with you regarding customer service and support issues, and to respond to questions or comments and help resolve any problems.
Technical Information, Geolocation and Online Identifiers We collect technical information transmitted by your device when using the Website and/or Services, this information includes: type of the operating system and device used to access the Website and/or Services, date and time stamp, language preferences, approximate geolocation (i.e., country/state), and your actions such as page views, search queries, etc.  In addition, when you access the Services, we collect your IP address (“Online Identifiers”). Note that, while the Online Identifiers are considered Personal Data in many jurisdictions (such as the EEA, Canada and in California), there are some jurisdictions in which such data sets is not considered as Personal Data. We treat the Online Identifiers as Personal Data, in accordance with applicable laws.  This information is collected automatically  from you when you are using the Website and Services.  In case you are using the Services as a Consumer, we may receive this information directly from the Merchant from whom you purchased a product using the Splitit Solution.	To identify authorized users of the Services; To access and use the Services. To resolve any disputes, communicate with you regarding customer service and support issues, and to respond to questions or comments and help resolve any problems.
Consumers Using the Splitit Solution When you use the Services, namely the Splitit Solution to pay for purchases you made through the Merchant’s platform (e.g., monthly installments), we collect use and disclose certain information about you. Such information includes, your full name, address, email, phone number, billing information (such as billing address, credit card number, expiration date, etc.). In your first use of the Services we will create for you a user account in Splitit. For this purpose you will receive an email with your account details. ~by using your account details you can view your purchases made through the Splitit Solution, change your credit card details, pay the balance of your account, etc. We will collect use and disclose additional information about you when you pay via the Splitit Solution, such information includes, your shopping history, products and services purchased from the Merchant, purchase details (e.g., payment schedule and name of the Merchant), in each case limited to purchases made via the Splitit Solution. The above mentioned information may be collected directly from you when you pay with the Splitit Solution, or transferred to us by the Merchant you are making the purchase from, depending on the process of implementation of the Splitit Solution in the merchant’s payment process.	To provide you with the Services, and enable you to pay for goods and services offered by the Merchants in installments (via the Splitit Solution). To provide Merchants (our clients) with the Services, therefore we will share with our Merchants information we collected from you. To resolve any disputes, communicate with you regarding customer service and support issues and to respond to questions or comments and help resolve any problems.
Surveys and Service Review We may collect, use and disclose information when you participate and respond to surveys, provide your feedback to service review forms, rate or review the Services (“Survey”). For this purpose we will collect and use your email address.  We also collect, use and disclose the information provided during the Surveys, such as your experience while using the Services, including your feedback on the process and customer support. Information regarding your age, range, gender, payment preferences, income, etc.  We may link the information collected in the survey to information we already have about you, such as which type of payment card you used with the Splitit Solution, the Merchant you were purchasing from, Merchant location, your location, etc. We will link the above-mentioned information to the information we have on you (only to the extent we have) in order to analyze and get insights regarding transactions made with our Services and in order to improve our Services. This information may be requested by us directly or by our service providers who provide us with third party Survey services.	We will use your email to send you Surveys, and if applicable to send your any vouchers or coupons.  We will use this information in order to improve our Services and products, understand if there are any difficulties or failures in the process, analyzing the Services, enhancing your experience, improving our customer service and your user experience. We also collect this information for our statistics and analytics purposes and make the Services customized for our Consumers.
Contact Us Information  If you contact us via the “Contact Us” feature available through the Website our otherwise, we may collect certain information regarding you, such as your full name, your email, your phone number, your position (e.g., Consumer or Merchant) your company (if applicable to you), country, the content of your massage, etc. We collect this information directly from you when you contact us.	To answer your queries and provide you with the services you requested from us.
Newsletter Subscription If you voluntarily subscribe to our newsletter through the Website, you will be requested to provide us with your email address. You can unsubscribe at any time using the unsubscribe option within the body of the applicable email or by contacting us directly. Please note that we may send you newsletters in case we are allowed based on other legal bases.	We use this information solely to provide you with the content you have requested.

In addition, we may use certain of the above-mentioned Personal Data in order to prevent potentially prohibited or illegal activities, fraud, misappropriation, infringements, identity theft and any other misuse of the Services and to enforce our rights against you, as well as to protect the security or integrity of our databases and Services. Such use and disclosure is based on our legitimate interests or based on legal obligation.  We do not knowingly collect or use or disclose any Personal Data included in Special Categories of Personal Data. In the event you become aware that such data has been posted to the Website or collected by us, please inform us immediately.

Non-Personal Data

Non-Personal Data is used mainly for click stream analysis in order to constantly improve and maintain our Website and Services, including among others, in order to measure and understand the level of engagement to our Services, for general business analytics and in order to provide a more personalized experience and tailored content, for ensuring the technical functioning of our network, to help prevent fraudulent use of our Services and for developing new services and features.

3. Does Splitit use cookies? 

Yes, we use data files such as cookies, pixel tags, “Flash cookies” or other local storage files provided by your browser or associated applications. We use these technologies for different purposes such as in order to recognize you as a user; customize our Site and Services, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across our Website and Services. These cookies also help us track how visitors use the Site and our Services. Please read our Cookie Policy for more information about the cookies we use. You can allow all cookies or manage them individually by adjusting your preferences.

4. Will Splitit Share My Personal Data With Others?

WE DO NOT SELL OR RENT ANY OF YOUR PERSONAL DATA TO NON-AFFILIATED THIRD PARTIES FOR THEIR MARKETING PURPOSES. 

4.1 Non-Personal Data, aggregate and statistical or otherwise anonymized data may be shared without limitation with third parties at our discretion. This information does not contain Personal Data and is used to develop content and Services for our Users and Merchants.

4.2 We share Personal Data only under the following limited circumstances:

4.2.1 With partners who are an integral part of our Services, such as the Merchant you placed a purchase with, credit card processors, acquirers, banking institutions, payment gateway, lenders etc.

4.2.2 With trusted third parties who assist us in operating the Services and conducting our business. Such as service providers who provide us with fraud prevention services, customer support call center services, debt collection agencies, account maintenance, marketing services, survey services and platforms, and technology services.

4.2.3 With our affiliates and connected companies, such as subsidiaries to provide you with information about products and services that we or they believe may be of interest to you where you have consented to such sharing.

4.2.4 As necessary to help detect and prevent potentially illegal acts and fraud, and to guide decisions about the products, services and communications, based on our legitimate interest in avoiding illegal and fraudulent actions.

4.2.5 To comply with a legal requirement, for the administration of justice, to protect your vital interests or the vital interests of others, to protect the security or integrity of our databases or the Services, to take precautions against legal liability, or in the event of a corporate sale, merger, reorganization, dissolution or similar event.

4.2.6 Other third parties with your consent or direction to do so.

5. Will Splitit transfer my Personal Data internationally? 

Personal Data may be disclosed to an entity in the Splitit corporate group that is incorporated in Israel (“Splitit Israel”). Personal Data will be held on servers located in the U.S. Therefore, your Personal Data may be stored or processed in countries in which the privacy laws provide for a different level of protection for your Personal Data than that which exists in your country of residence. If you would like to receive more information about our practices and policies with respect to our use of service providers and the jurisdictions in which they are located, by the contact information provided below.

6. Will I receive promotional materials from Splitit? 

If you (e.g., a website user) provided us with your consent, we may send information on new products, features, activities, services and periodic announcements or newsletters. You may opt-out any time from such communications by either: (i) using an “unsubscribe” feature available within the message; or (ii) sending us an email to: [email protected] asking to opt-out.

7. Persons under 16 

Our Website is a general audience Website, which is not directed to persons under 16 years old. If a parent or guardian becomes aware that his/her child has provided us with Personal Data without their consent, he/she should contact us immediately. We do not knowingly collect or solicit Personal Data from people under 16 years old. If we become aware that a person under 16 years old has provided us with Personal Data, we will delete such data from our databases. Please note, in certain jurisdictions you may be banned from using the Splitit Solution unless you are 21 years old.

8. Users rights with respect to Personal Data

Subject to applicable law requirements, we will provide individuals with the opportunity to exercise their rights regarding their Personal Data. Individuals’ rights under data protection and privacy laws, including:

• the right to confirm whether or not we hold your Personal Data;
• the right to access your Personal Data and being provided with a copy of the Personal Data that we hold, and the right to rectification of your Personal Data;
• The right to request access to the Personal Data that we hold about you and correct it if it is inaccurate, incomplete or out of date. If we do not give you access to your Personal Data or we do not agree to your request for correction, we will provide you with reasons why. If you are not satisfied with our decision or reasons, please see Section 11 below. If we agree to grant you access or to correct your Personal Data, usually we will do this as soon as reasonably practicable following receipt of your request and in any event within the deadline established in applicable laws;
• the right to erasure of your Personal Data;
• the right to restrict the use and disclosure of your Personal Data;
• the right to object to collection, use or disclosure of your Personal Data;
• the right to data portability; and
• the right to withdraw consent.

For California residents, please review our User Rights Policy regarding your rights under applicable law.  You may exercise any or all of your above rights in relation to your Personal Data (including to request access to and/or correct your Personal Data held by us) by filling out the Data Subject Request Form (“DSR”) and send it to our privacy team at: [email protected].    We may request additional information from you when you contact us with a DSR in order to:

(i) verify your identity;

(ii) determine the applicable laws apply to you;

(iii) and locate your data. It may take time to process requests in a way that is consistent with applicable privacy law.

9. How does Splitit protect my data?

Splitit implements measures to reduce the risks of loss of information and unauthorized access or use of information. We adopt appropriate and generally accepted data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your Personal Data. In particular, your payment information is secured in accordance with the PCI-DSS standard. However, these measures are unable to provide absolute information security. Therefore, although efforts are made to secure your personal information, it is not guaranteed and you cannot reasonably expect that the Service and its related databases will be immune from any wrongdoings, malfunctions, unauthorized interceptions or access, or other kinds of abuse and misuse.

10. Data Retention

Unless you instruct us otherwise and subject to applicable laws, we retain the information we collect for as long as needed to provide our services and to comply with our legal obligations, resolve disputes and enforce our agreements if applicable.

11. Applicable Laws

The provisions included in this Privacy Policy relating to matters that may be regulated under the Canadian privacy laws or the CCPA and therefore will apply only to the processing of Personal Data (or Personal Information) which is subject to the Canadian privacy laws or the CCPA in accordance with the applicability provisions contained therein. Additionally, collection and processing of certain Personal Data by Splitit may be regulated under Federal laws or other applicable laws, in such case this data may be exempted from CCPA requirements.

12. Questions or concerns regarding privacy 

If you have any questions or concerns regarding privacy issues, please send us a detailed message to [email protected] and we will make every effort to resolve your concerns without delay.  For Australian residents, if you feel that your complaint has not been adequately resolved, you are able to contact the Office of the Australian Information Commissioner on the details below:

• Online: www.oaic.gov.au/privacy
• Phone: 1300 363 992
• Email: [email protected]

Splitit may, at any time and from time to time, modify this Privacy Policy. Modifications to this Privacy Policy will be posted on the Website, you will be informed about them and shall be effective as of the date in which they are posted on the Website. If you require a copy of this Privacy Policy in a different format, such as a PDF or hard copy, please contact us at [email protected] and we will take reasonable steps to comply with your request.

13. PRIVACY NOTICE FOR CALIFORNIA RESIDENTS UNDER THE CALIFORNIA CONSUMER PRIVACY ACT 

This section for California Residents under the California Consumer Privacy Act of 2018 (respectively,  “Privacy Notice” and “CCPA”) supplements the information contained in our general Privacy Policy and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”), as defined under the CCPA. Any terms defined in the CCPA have the same meaning when used in this Privacy Policy. Further, this Privacy Notice is an integral part of our Privacy Policy and thus, definitions used herein but not defined herein shall have the meaning ascribed to them in our Privacy Policy.

As required under the CCPA, we will update this Privacy Notice every 12 months. The last revision date will be reflected in the “Recently Updated” heading located at the top of the Privacy Policy.

TYPES OF PERSONAL INFORMATION WE COLLECT 

Under the CCPA, “Personal Information” is defined as any information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household or device. The categories of Personal Information that we collect (and has collected within the last 12 months), are detailed in the table below.  Please note that, under the CCPA Personal Information does not include: publicly available information from government records and de-identified or aggregated consumer information, information excluded from the CCPA’s scope (e.g., health or medical information covered by applicable laws such as the Health Insurance Portability and Accountability Act of 1996 (HIPAA)); and information covered by certain sector-specific privacy laws (e.g., the California Financial Information Privacy Act (FIPA)).

Category	Examples	Collected
A. Identifiers.	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers.	Yes
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.	Yes
C. Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	No
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	Yes
E. Biometric information.	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	No
F. Internet or other similar network activity.	Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.	Yes
G. Geolocation data.	Physical location or movements.	Yes
H. Sensory data.	Audio, electronic, visual, thermal, olfactory, or similar information.	No
I. Professional or employment-related information.	Current or past job history or performance evaluations.	Yes
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	No
K. Inferences drawn from other personal information.	Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	No

HOW WE COLLECT INFORMATION Depending on the nature of your interaction with us, we may collect the above detailed information from you, as follows: (i) directly from you, for example, when you place an order via Splitit Solution on Merchant’s platform; (ii) automatically when you visit our Website; (iii) from third-party business partners such as analytics providers.   USE OF PERSONAL INFORMATION We may use, or disclose the Personal Information we collect for one or more of the following business purposes:

• To fulfill or meet the reason you provided the information. For example, if you contact us with an inquiry and share your name and contact information, we will use that Personal Information to respond to your inquiry.
• To provide, support, personalize, and develop our Website and Services, as well as improve our Website and Services.
• For security and fraud detection purposes, and to maintain the safety, security, and integrity of our Site Services.
• For testing, research, analysis, and product development, including to develop and improve our Website and Services.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your Personal Information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding.

We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you notice. SHARING AND SELLING DATA  We may disclose your Personal Information to a third party for a business purpose. When we disclose Personal Information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that Personal Information confidential and not use it for any purpose except performing the contract. We share your Personal Information with the following categories of third parties:

1. We share your Personal Information with our service providers (such as AWS our cloud storage services and our customer support call center service provider)
2. We share your Personal Information data aggregators (such as Google Analytics)
3. We share your Personal Information to our business partners (such as when you purchase through Merchant’s platform via Splitit Solution we share information with the Merchant).

DISCLOSURES OF PERSONAL INFORMATION FOR A BUSINESS PURPOSE OR FOR SELLING PURPOSES In the preceding twelve (12) months, the Company has disclosed the following categories of Personal Information for a business purpose: Category A: Identifiers. Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). Category D: Commercial information: Commercial Information  Category F: Internet or other similar network activity.  Category G: Geolocation data.

SALES OF PERSONAL INFORMATION In the preceding twelve (12) months, Company has not sold Personal Information.

YOUR RIGHTS REGARDING YOUR PERSONAL INFORMATION The CCPA provides consumers with specific rights regarding their Personal Information. Please review our User Rights Policy regarding your rights under applicable law.

You may exercise any or all of your above rights in relation to your Personal Information by filling out the DSR Form and send it to our privacy team at: [email protected].

CONTACT US

If you have any questions about this Privacy Policy, you may contact us as follows: By sending us an email at: [email protected].   By regular mail at: Splitit USA Inc. 5901 Peachtree Dunwoody Road, Suite C-480, Atlanta, GA 30328.