Curbstone Privacy Policy
We are committed to protecting your personal information, as outlined in the below Data Privacy Notice and Online Privacy Notice.
Data Privacy Notice
Includes California Consumer Privacy Act of 2018 (CCPA) Compliance
Curbstone facilitates credit card processing by linking merchants with whom you do business, and credit card authorization networks. Curbstone therefore collects, processes, and/or stores the following categories of consumer personal information:
- Identifiers such as your name and address, email address, and account name
- Commercial information, specifically, credit card transaction data, including your credit card number, CVV number, and specific transaction details such as transaction amount, transaction date, and transaction merchant. It obtains this data from merchants.
This data is collected, processed, and stored for the specific purpose of facilitating credit card processing between merchants and credit card authorization networks and settlements between them and their bank/acquirers. This data is only shared with merchants, credit card authorization networks, and bank/acquirers, and only in accordance with Payment Card Industry-Data Security Standards (PCI-DSS), and applicable laws and regulations.
Residents of certain states have the right to request that their specific personal information that has been collected be disclosed to them by providing a request containing authenticating information. Residents of certain states may also request that such personal information be deleted. In order to safeguard your personal information, requests for disclosure or deletion must be properly authenticated before we are obligated to honor such request. Moreover, any disclosure or deletion of personal information in response to an authenticated request is subject to, and will be made in accordance with, all applicable laws and regulations as well as Payment Card Industry Data Security Standards (“PCI-DSS”). In certain circumstances, the applicable laws and regulations and PCI-DSS standards prohibit us from disclosing or deleting certain personal information. In other cases, we are not required to comply with a deletion request if such deletion would prevent us from completing a transaction for which the personal information was collected, to provide goods or services you’ve requested, or to fulfill any contractual obligations between us and merchants, authorizing networks, or bank/acquirers in response to a transaction you’ve initiated.
California Residents Only – Effective only after January 1, 2020
California consumers have the following rights, subject to certain limitations and exclusions pursuant to the California Consumer Privacy Act (CCPA), Cal.Civ.Code § 1798.100 et.seq.:
- the right to request disclosure of all personal information collected, sold, or disclosed for a business purpose
- the right to request deletion of collected personal information, subject to certain limitations
- the right to request that a business not sell their information (i.e. opt-out); and if the consumer does exercise their right to opt-out, Curbstone may not discriminate against that consumer as a result of their opting-out
To exercise these rights, a California consumer should submit a verified request at the following link
or call our toll-free number at
888-844-8533
Curbstone will ask for certain personal information in order to verify your identity before making any disclosure, or complying with any deletion or opt-out request in accordance with the CCPA. As noted above, any request for deletion is subject to Curbstone’s compliance with applicable laws and regulations. As shown in Table 1 below, Curbstone does not sell your personal information, so the CCPA’s opt-out mechanism does not apply to Curbstone. Moreover, your request to opt-out could effectively negate your ability to complete any credit card transaction processed by Curbstone.
Curbstone’s disclosures regarding personal information pursuant to Cal.Civ.Code § 1798.115 are summarized in Table 1 below:
| Category of personal information Has Curbstone in the last 12 months done the following with consumer personal information: | Collected it? | Sold it? | Disclosed it for a business purpose? |
|---|---|---|---|
| Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers. | Yes | No | Yes |
| Any categories of personal information described in subdivision (e) of Section 1798.80, i.e. any information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her 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. “Personal information” does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records | Yes | No | Yes |
| Characteristics of protected classifications under California or federal law. | No | No | No |
| Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies | Yes | No | Yes |
| Biometric information | No | No | No |
| Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement | No | No | No |
| Geolocation data | No | No | No |
| Audio, electronic, visual, thermal, olfactory, or similar information | No | No | No |
| Professional or employment-related information | No | No | No |
| Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99) | No | No | No |
| Inferences drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes | No | No | No |
