Fractal Inc. ("Fractal," "we," "us," or "our"), a provider of payment processing services, is committed
to protecting the privacy, security, and confidentiality of your personal information in compliance with
applicable data protection and privacy laws. This Privacy Policy details our data collection, usage,
disclosure, and safeguarding practices pursuant to industry standards and legal requirements. This
policy aligns with, and shall be interpreted under, the applicable laws and regulations, including but
not limited to:
By accessing and utilizing our Services, you acknowledge that you have read, understood, and
agree to the terms set forth in this Privacy Policy. If you do not agree with our policies and practices,
you should discontinue the use of our Services.
For inquiries regarding this Privacy Policy, please contact us at privacy@fractalpay.com
This Privacy Policy governs all personal data collected, processed, and stored by Fractal Inc. in relation to its payment processing services. The following terms apply:
3.1 Personal Information
Fractal Inc. collects and processes personal information necessary for the provision of its services, including:
3.2 Categories of Personal Information We Collect
We have collected in the previous twelve (12) months, and can be expected to collect the following
categories of personal information:
Category
Examples
Collected
A. Identifiers
Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name
Yes
B. Personal information as defined in the California Customer Records statute
Name, contact information, education, employment, employment history, and financial information
Yes
C. Protected classification characteristics under state or federal law
Gender, age, date of birth, race and ethnicity, national origin, marital status, and other demographic data
Yes
D. Commercial information
Transaction information, purchase history, financial details, and payment information
No
E. Biometric information
Fingerprints and voiceprints
Yes
F. Internet or other similar network activity
Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements
No
G. Geolocation data
Device location
Yes
H. Audio, electronic, sensory, or similar information
Images and audio, video or call recordings created in connection with our business activities
No
I. Professional or employment-related information
Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us
Yes
J. Education Information
Student records and directory information
No
K. Inferences drawn from collected personal information
Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics
No
L. Sensitive personal Information
Biometric data, debit or credit card numbers, drivers' licenses, financial information including account access details, social
security numbers and state id card numbers
Yes
M. Transactional data — Payment authorization, settlement, and fraud monitoring — Yes
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N. Technical and Usage Data — Device and browser information including IP address, device type, browser type, operating system, and access logs. Cookies and online tracking to enhance security and optimize service functionality — Yes
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We only collect sensitive personal information, as defined by applicable privacy laws or the purposes
allowed by law or with your consent. Sensitive personal information may be used, or disclosed to a
service provider or contractor, for additional, specified purposes. You may have the right to limit the
use or disclosure of your sensitive personal information. We do not collect or process sensitive
personal information for the purpose of inferring characteristics about you.
We may also collect other personal information outside of these categories through instances where
you interact with us in person, online, or by phone or mail in the context of:
We will use and retain the collected personal information as needed to provide the Services in Categories A-Js for so long as the user has an account with us, and additionally for a reasonable period of time as may be required by statute and regulation for the maintenance and production of any such records pursuant to a subpoena or other legal request. Upon termination or closure of an account and termination of such period of time, all information will be erased securely pursuant to industry standard data destruction practices, including overwriting and appropriately shredding all data designated for destruction.
3.3 How we Collect Your Personal Information
3.4 How we Use Your Information
We use your data to:
3.5 How We Share Your Information
We don’t sell your personal information, but we may share it with:
Under Article 6 of the GDPR, Fractal Inc. lawfully processes personal data based on the following legal grounds:
Fractal Inc. implements industry-standard safeguards, including:
Fractal Inc. retains personal data only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, tax, accounting, or reporting requirements. The retention period is determined based on the following criteria:
Once the retention period expires, Fractal Inc. will securely delete or anonymize personal data in
accordance with our data destruction policy. This includes:
If you have any questions about our data retention and destruction practices, please contact us at privacy@fractalpay.com
Fractal Inc. is committed to ensuring that individuals have control over their personal data. In accordance with applicable data protection laws, including the GDPR and CCPA, individuals have the following rights:
To exercise any of these rights, please contact us at privacy@fractalpay.com
Fractal Inc. is committed to protecting the personal data of our users and takes data breaches very seriously. In the event of a data breach, we will take the following steps:
If you have any questions or concerns about our data breach notification practices, please contact
us at privacy@fractalpay.com
Fractal Inc. may transfer personal data to countries outside of the European Economic Area (EEA) and other regions with comprehensive data protection laws. When we transfer personal data internationally, we ensure that appropriate safeguards are in place to protect your data in accordance with applicable data protection laws. These safeguards may include:
If you have any questions about our international data transfer practices, please contact us at privacy@fractalpay.com
Fractal Inc. adheres to the principles of data minimization and proportionality to ensure that we only collect, process, and retain personal data that is necessary for the purposes for which it is collected. Our data minimization practices include:
By adhering to these principles, Fractal Inc. ensures that personal data is handled responsibly and in compliance with applicable data protection laws.
If you have any questions about our data minimization practices, please contact us at privacy@fractalpay.com
For complaints, contact us at:
Fractal, Inc.
Cincinnati, OH, USA
Email: privacy@fractalpay.com