Date of Last Revision: November 28, 2022

About this Privacy Policy

This Privacy Policy (the “Policy”) describes and governs how Merchro (collectively, “”Merchro”, “we”, “us” or “our”) collects, uses, shares and protects information collected in the context of our website, located at www.merchro.com (the “Website”) and attendant mobile applications, web applications, and related products and services (collectively, our “Services”). This Policy only applies to the Services. The Services may contain links to other websites, platforms, or services that are not operated or controlled by Merchro (“Third-Party Sites”). This Policy does not apply to Third-Party Sites.

Please read this Policy carefully to understand our policies and practices regarding your information. This Policy may change from time to time (see Changes to this Policy). Your continued use of this Website or our other Services after we make changes is deemed acceptance of those changes, so please check the Policy periodically for updates. Your access to and use of the Services is subject to Merchro’s Terms of Service and other terms that may be made available to you in connection with your use of the Services.

In addition to this Policy, individuals residing in the United States may also refer to the Merchro U.S. Consumer Privacy Notice, which provides additional details about our collection, use, and sharing of your personal information in connection with the financial services that we provide to individuals, and associated rights you may have under federal law.

Sources of Personal Information

The categories of personal information we collect depend on how you interact with us and our Services, and the requirements of applicable law. We collect different types of information about you depending on how you interact with us and how you use our Services. As further described below, we may collect information that you provide to us and information that we obtain automatically when you use our Services, and we may additionally obtain information about you from third parties. In order to provide our Services, we partner with or otherwise use third-party companies to perform certain business-related functions on Merchro’s behalf (“Service Providers”), which may also collect personal information from or about you. In addition to the information below, please see the “Third Parties” section of this Policy for more information about our Service Providers.

A. Information that you provide to us

• Registration and contact information. If you register to open an account, we may collect your name, email address and login details, your postcode, your country, your tax identification number, your date of birth, your phone number, and any additional information you choose to provide us. If you share contact information with us, we may use that information to communicate with you or for other purposes as described in this Privacy Policy. ‍
• Information necessary to provide you with the Services. We may also collect additional information from you when you use the Services. This may include financial information such as your bank account or debit card number, through one or more of our Service Providers.‍
• Public communications and content. Certain areas and aspects of our Services may permit or require you to provide us with your username or handle for one or more social networking or video/photo content platforms. If you provide us with this information, we may collect information related to your interactions with those platforms, such as posts that you have made, or photos and videos that you have uploaded. Take care not to share personal information publicly on those platforms unless you intend to share that information with us.
• ‍Communications to Merchro. You may contact us via a contact form, email, by chat services or by other means (for example, with questions about our Services, for customer support, or to let us know your ideas for new products or modifications to existing products). You may also choose to respond to surveys that we send out. When you contact us, we collect the information you choose to provide us, such as your contact details, any images you choose to upload and the contents and nature of your message.‍
• Information relating to third parties. Certain areas and aspects of our Services may permit or require you to provide us with information relating to third parties, such as where you invite someone to sign up for Merchro (collectively, “Third-Party Data”). Please keep in mind that any such information that you provide us must be consistent with this Policy or our Terms of Use. If you use any feature of the Services that allows or requires you to provide Third-Party Data, either by submitting Third-Party Data to the Services or otherwise permitting the Services to automatically access Third-Party Data in your possession, you acknowledge, represent, and agree (a) that you have the authority of the relevant third party for us to access and use the relevant Third-Party Data, (b) that you have notified these third parties and informed them how their information is collected and used by Merchro to provide the Services, and (c) your sharing of the Third-Party Data complies with our Terms of Use and this Policy.

B. Information that is passively or automatically collected when you use our Services

We also automatically collect certain information based on your use of our Services. This data would include your activities on our Services. For example, we, or our third-party partners, may collect:

• Activity Information. This information may include details of the activities you carry out when using our Services, including visits to our Website.
• Technical Information. This information may include the Internet protocol (“IP”) address used to connect your device to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and device identification information. Some of this information, such as your IP address, may identify your geographic region, time zone, and other rough location data.
• Inferences, such as those drawn from any of the personal information we collect, to better understand your preferences.

C. Information that is passively or automatically collected when you use our Services