Privacy Policy

Our Services may be accessed by individuals without an E-Textile Consulting account. We will collect Personal Information from you even if you are a non-account holder when you use our Services, such as when you use our Pay Without an E-Textile Consulting account. If you Pay Without an E-Textile Consulting account, we may link your transaction information with your E-Textile Consulting account, if you have one at the time you use the Service without logging in, or if you create an E-Textile Consulting account later.

We may process your Personal Information for a variety of reasons, including to provide our Services, for security and fraud prevention and to comply with law. We may also use personal data with your consent to participate in certain features, that while not necessary for use of the Services, may be of interest to you, such as syncing your contact list to your account, personalize content and offers, targeted advertising, or connecting to a third-party platform.

• Manage and improve our Services: for example, to develop new products and features, for customer analysis, to administer our Services, and for internal operations, for example troubleshooting, data analysis, testing, research, and statistical purposes.

• Manage fraud and risk: We conduct risk analysis, fraud prevention and risk management to protect our customers and business, including fraud that involves our Partners and Merchants and strategic ventures.

• Communicate with you: We may contact you when you need us, such as answering a question you sent to our customer service team.

• Comply with Pennsylvania State Laws: to comply with applicable laws and rules and enforce our agreements with you and other people who use our Services functionality or offers, ads and search results. We do not sell Personal Information to third parties for money or share your Personal Information for cross context behavioral advertising, including any Sensitive Personal Information.

• Authorities, when accompanied by a subpoena or other legal documentation that requires E-Textile Consulting to respond. Such authorities include courts, governments, law enforcement, and regulators. We may also be required to provide other third parties information about your use of our Services, for example to comply with card association rules, to investigate or enforce violations of our user agreement or to prevent physical harm or illegal activity.

We retain Personal Information for as long as needed or permitted in context of the purpose for which it was collected and consistent with applicable law.

The criteria used to determine our retention period is as follows:

• Personal Information used for the ongoing relationship between you and E-Textile Consulting is stored for the duration of the relationship plus a period of 10 years, unless we need to keep it longer, such as:

• a legal obligation or compliance with Pennsylvania State law (Consumer Data Protection Act (March 27, 2023) to which we are subject is retained consistent with the applicable law, such as under applicable bankruptcy laws and AML obligations, litigation, investigations, audit and compliance practices, or to protect against legal claims.

When you interact with our Services, open email we send you, or visit a third-party website for which we provide Services, we and our partners use cookies and other tracking technologies such as pixel tags, web beacons, and widgets (collectively, “Cookies”) to recognize you as a user, customize your online experiences and online content, including to serve you interest-based advertising, perform analytics; mitigate risk and prevent potential fraud, and promote trust and safety across our Services.

We use Cookies to collect your device information, internet activity information, and inferences as described above.

You can disable or decline some cookies for our Services. But, since some parts of our service rely on cookies to work, those services could become difficult or impossible to use.

Your rights to access, correction, deletion, and restriction to use or share your Personal Information.

Under applicable data protection law, you have certain rights to how your Personal Information is collected, stored, used and shared.

We recognize the importance of your ability to control the use of your Personal Information and provide several ways for you to exercise your rights to access (right to know), correction, deletion (erasure), and to restrict certain information (right to opt out of sharing and right to limit use and disclosure of sensitive personal information).

We will not deny you services, charge you different prices, or provide you with a different level of service solely for exercising your privacy rights.