Privacy Policy

1. Introduction

ChargeGuard ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our automated chargeback defense service.

By using ChargeGuard, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, do not use our service.

2. Information We Collect

2.1 Information You Provide

• Account information (name, email address, password)
• Payment information (credit card details, billing address)
• Business information (company name, tax ID, business address)
• Payment processor credentials (Stripe API keys, PayPal credentials)
• Customer communication data relevant to dispute resolution

2.2 Information Collected Automatically

• Transaction data from connected payment processors
• Chargeback and dispute information
• IP addresses and location data
• Device information and browser type
• Usage data and analytics
• Cookies and similar tracking technologies

3. How We Use Your Information

• To provide and maintain our chargeback defense service
• To process and submit dispute evidence on your behalf
• To analyze transaction patterns and improve win rates
• To send you service notifications and alerts
• To process payments and prevent fraud
• To comply with legal obligations and regulations
• To improve our service through analytics and research
• To communicate with you about updates and offers

4. Data Sharing and Disclosure

We may share your information with:

• Payment Processors: Stripe, PayPal (to submit disputes)
• Service Providers: Cloud hosting, analytics, email services
• Legal Authorities: When required by law or to protect rights
• Business Transfers: In case of merger, acquisition, or asset sale

We DO NOT sell your personal information to third parties for marketing purposes.

5. Data Security

We implement industry-standard security measures to protect your data:

• 256-bit SSL/TLS encryption for data in transit
• AES-256 encryption for data at rest
• Secure API credential storage with encryption
• Regular security audits and penetration testing
• Access controls and employee training
• SOC 2 Type II compliance (in progress)

6. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Transaction and dispute data is retained for 7 years to comply with financial record-keeping requirements. You may request deletion of your account and data at any time, subject to legal retention requirements.

7. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of your personal data
• Correction: Update inaccurate or incomplete data
• Deletion: Request deletion of your data (subject to legal requirements)
• Portability: Receive your data in a machine-readable format
• Opt-out: Unsubscribe from marketing communications
• Object: Object to processing of your data

To exercise these rights, contact us at privacy@automate247.space

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place, including Standard Contractual Clauses approved by the European Commission for transfers from the EU/EEA.

9. Cookies and Tracking

We use cookies and similar technologies to:

• Maintain your session and preferences
• Analyze usage patterns and improve our service
• Provide personalized content
• Measure marketing campaign effectiveness

You can control cookies through your browser settings. Note that disabling cookies may limit functionality.

10. Children's Privacy

Our service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or through a prominent notice on our service. Your continued use after changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us:

13. Jurisdiction-Specific Rights

For EU/EEA Residents (GDPR)

You have additional rights under GDPR, including the right to lodge a complaint with your local data protection authority.

For California Residents (CCPA)

You have the right to know what personal information we collect, use, and share. You can request disclosure of categories and specific pieces of information collected in the past 12 months.

For UK Residents (UK GDPR)

UK residents have rights similar to EU GDPR, including the right to lodge a complaint with the Information Commissioner's Office (ICO).