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POLICY EXAMPLES FOR ALL WEBSITES (required by Cardholder Associations)
PRIVACY POLICY:
This statement should tell the consumer how the merchant will be using the personal data they have collected.
“We respect and are committed to protecting your privacy. We may collect
personally identifiable information when you visit our site. We also automatically
receive and record information on our server logs from your browser including
your IP address, cookie information and the page(s) you visited. We will not sell
your personally identifiable information to anyone.” (And so on...)
Or, if they do pass along personal information for whatever reasons, they would
state this instead. This policy should be tailored to how the merchant intends to
use the information they are given.
SECURITY POLICY
This statement should tell the consumer how their personal information is kept
secure during the transmission of payment.
“Your payment and personal information is always safe. Our Secure Sockets
Layer (SSL) software is the industry standard and among the best software
available today for secure commerce transactions. It encrypts all of your personal
information, including credit card number, name, and address, so that it cannot
be read over the internet.” (Etc.)
REFUND POLICY
This policy should be clearly and specifically spelled out to avoid disputes with
cardholders.
“We offer 15 Money Back Guarantee on almost every product we offer. Please
call customer service at 239-440-3124, in advance to obtain an RMA number
(Return Merchandise Authorization) within 15 days of purchase date.”
Another example:
“All refunds will be provided as a credit to the credit card used at the time of
purchase within five (5) business days upon receipt of the returned
merchandise.”
Note - It could be that all sales are final or No Refunds. If this is the
merchant’s policy, it should be stated on the website and should also be
noted on the footer of the merchant receipt or invoice