This Privacy Statement explains how National Discount Merchant Services, a trade name of Eichner Group, Inc., a California corporation ("ndms," "we," "us" or "our") collects, uses, shares and protects personal information when you visit ndmscorp.com and our related websites (the "Sites"), apply for a merchant account, use our payment processing products and services (the "Services"), or otherwise interact with us.
ndms provides payment processing and related services to businesses. We do not offer products or services to consumers for personal, family or household purposes.
Information we collect
We collect the following categories of information:
- Contact information, such as name, title, business name, mailing address, email address and phone number.
- Business information, such as legal name, DBA, entity type, tax identification number, ownership structure, products sold, processing volumes, processing statements and bank statements.
- Owner, officer and guarantor information, such as name, home address, date of birth, Social Security number, government-issued identification and ownership percentage, which we are required to collect to verify identity and evaluate applications.
- Financial information, such as the bank account used for deposits and fees, and credit history obtained from consumer and commercial credit reporting agencies.
- Transaction information, such as payment amounts, dates, card or bank account details, and dispute and chargeback records, processed on behalf of our merchants.
- Device and usage information, such as IP address, browser type, pages viewed, referring pages and the dates and times of visits, collected automatically through cookies and similar technologies.
- Communications, such as the content of emails, chats, calls and support requests, which may be recorded for quality, training and security purposes.
How we collect information
- Directly from you, when you complete an application, contact us, request support or use the Services.
- From third parties, including consumer and commercial credit reporting agencies, identity verification and fraud prevention services, our sponsor banks, the card networks and their risk databases, public records, and the referral partners, agents and software providers who introduce you to us.
- Automatically, through cookies, pixels and similar technologies when you use the Sites.
How we use information
We use personal information to:
- Evaluate applications, verify identity and determine eligibility for a merchant account;
- Comply with applicable law, including anti-money laundering, "know your customer" and sanctions screening requirements, and with card network and sponsor bank rules;
- Provide, maintain and support the Services, including authorization, settlement, funding, reporting and chargeback processing;
- Monitor accounts and transactions for fraud, credit and other risks;
- Respond to inquiries and provide customer support;
- Send service-related notices and, where permitted, information about our products and services;
- Operate, secure and improve the Sites and Services; and
- Establish, exercise or defend legal claims and enforce our agreements.
How we share information
We do not sell personal information. We share personal information only as described below:
- Sponsor banks, card networks and payment processors involved in processing, settling or screening transactions, as required to provide the Services.
- Service providers that perform services on our behalf, such as hosting, identity verification, customer support, analytics and communications, under contracts that limit their use of the information.
- Credit reporting agencies and fraud prevention databases, as part of underwriting and risk management.
- Referral partners who introduced you to ndms, limited to information about the status of your application and account as needed to administer our partner programs.
- Affiliates, including other trade names of Eichner Group, Inc., such as Embank Financial, to provide related services you request.
- Legal and regulatory recipients, when required by law, subpoena or court order, or when we believe disclosure is necessary to protect our rights, our merchants or others, or to investigate fraud.
- Business transfers, in connection with a merger, acquisition, financing or sale of assets, subject to standard confidentiality protections.
- With your consent or at your direction.
Cardholder data
When we process payments for our merchants, we receive information about their customers, such as card numbers and transaction details. We process this information on behalf of our merchants and in accordance with the Payment Card Industry Data Security Standard (PCI DSS) and card network rules. Merchants are responsible for providing any required privacy notices to their own customers. Consumers with questions about a purchase should contact the merchant directly.
Cookies and similar technologies
We use cookies, pixels and similar technologies to operate the Sites, remember preferences, understand how visitors use the Sites and measure the effectiveness of our marketing. Some of these technologies are provided by third parties, such as analytics and advertising providers.
Most browsers let you block or delete cookies. If you do, some features of the Sites may not work as intended. Where required by law, we honor Global Privacy Control (GPC) signals as a request to opt out of the use of personal information for targeted advertising.
Data security
We use administrative, technical and physical safeguards designed to protect personal information, including encryption in transit, tokenization of card data, access controls and PCI DSS-aligned practices. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
Data retention
We keep personal information for as long as needed to provide the Services and for the periods required by law, card network rules and our sponsor banks, including record-keeping requirements under anti-money laundering laws. When information is no longer needed, we delete or de-identify it.
Your choices
- Marketing. You can opt out of marketing emails by using the unsubscribe link in any message or by contacting us. We will still send service-related messages.
- Account information. Merchants can update business and contact information by contacting our support team.
- Cookies. You can manage cookies through your browser settings.
California privacy rights
If you are a California resident, the California Consumer Privacy Act, as amended (CCPA), may give you the right to:
- Know the categories and specific pieces of personal information we have collected about you, the sources, the purposes, and the categories of third parties with whom we share it;
- Request deletion of your personal information, subject to legal exceptions, such as information we must retain to comply with law or card network rules;
- Correct inaccurate personal information;
- Opt out of the sale or sharing of personal information for cross-context behavioral advertising (we do not sell personal information);
- Limit the use of sensitive personal information to purposes permitted by law; and
- Not be discriminated against for exercising these rights.
To make a request, email support@ndmscorp.com or call 310.997.0100. We will verify your identity before responding, which may require you to provide information that matches our records. You may use an authorized agent to submit a request on your behalf, and we may ask for proof of the agent's authority.
In the preceding 12 months, we have collected the categories of personal information described in "Information we collect," for the purposes described in "How we use information," and disclosed them to the categories of recipients described in "How we share information."
Children's privacy
The Sites and Services are intended for businesses and are not directed to individuals under 18. We do not knowingly collect personal information from children.
Third-party websites
The Sites may link to websites and services operated by third parties, such as payment gateways and software partners. We are not responsible for their content or privacy practices. Please review their privacy policies before providing information to them.
Changes to this Privacy Statement
We may update this Privacy Statement from time to time. When we do, we will revise the "Last updated" date above and, where appropriate, provide additional notice. Your continued use of the Sites or Services after an update means you accept the revised statement.
Contact us
If you have questions about this Privacy Statement or our privacy practices, contact us at:
National Discount Merchant Services
525 S. Douglas St
El Segundo, CA 90245
Phone: 310.997.0100
Email: support@ndmscorp.com