Credit Card Privacy Policy and Terms and Conditions

1. Credit Card Privacy Policy
At Harborview Investigations, we are committed to safeguarding the privacy and security of your credit card information. This Credit Card Privacy Policy outlines how we collect, use, store, and protect your payment information when you engage our services through our website.

1.1 Collection of Credit Card Information
We collect credit card information (e.g., cardholder name, card number, expiration date, and CVV code) solely for the purpose of processing payments for services rendered. This information is collected through secure, encrypted payment forms hosted by our trusted third-party payment processor, which complies with Payment Card Industry Data Security Standards (PCI DSS).

1.2 Use of Credit Card Information
Your credit card information is used exclusively to process transactions related to your purchase of our investigative services. We do not use this information for marketing purposes or share it with third parties except as necessary to complete the payment process (e.g., with our payment processor or financial institutions).

1.3 Storage and Security
We do not store your full credit card details on our servers. Payment information is securely transmitted to and processed by our PCI DSS-compliant payment processor. We employ industry-standard encryption technologies (e.g., SSL/TLS) to protect data during transmission. Any retained payment data (e.g., transaction IDs) is stored securely and accessible only to authorized personnel for record-keeping and dispute resolution.

1.4 Third-Party Sharing
We share credit card information only with our trusted payment processor and financial institutions to facilitate transactions. These entities are contractually obligated to maintain PCI DSS compliance and protect your data. We do not sell, lease, or disclose your credit card information to any other third parties unless required by law or with your explicit consent.

1.5 Data Retention
We retain limited transaction-related data (e.g., transaction date, amount, and partial card details) for accounting, auditing, and legal compliance purposes, typically for a period of seven years or as required by applicable law. Full credit card details are not retained after transaction processing is complete.

1.6 Your Rights
You have the right to request information about how your payment data is handled. If you have concerns or wish to access, correct, or delete any personal data related to your transactions, please contact us at [insert contact email]. We will respond promptly in accordance with applicable data protection laws.

1.7 Updates to This Policy
We may update this Credit Card Privacy Policy periodically to reflect changes in legal requirements or our practices. Any updates will be posted on our website with an effective date, and we encourage you to review this policy regularly.

2. Terms and Conditions for Credit Card Transactions
By using a credit card to purchase services from Harborview Investigations through our website, you agree to the following terms and conditions:

2.1 Payment Authorization
You authorize Harborview Investigations and its payment processor to charge your credit card for the agreed-upon amount for services purchased. You confirm that you are the authorized cardholder or have permission from the cardholder to use the card for payment.

2.2 Transaction Processing
All payments are processed in U.S. dollars (USD) unless otherwise specified. Transactions are subject to approval by your card issuer. If a payment is declined, we will notify you to provide an alternative payment method. Harborview Investigations is not responsible for any fees (e.g., overdraft or foreign transaction fees) charged by your financial institution.

2.3 Refunds and Disputes
All sales are final and non-refundable. If you believe there is an error in a transaction, please contact us within 10 days of the transaction date at [email protected]. 

2.4 Fraud Prevention
To protect against fraud, we may verify your identity or request additional information before processing your payment. We reserve the right to decline transactions suspected of being fraudulent or unauthorized.

2.5 Billing Errors
If you identify a billing error, please notify us immediately at [email protected]. We will investigate and correct any errors in accordance with applicable laws. You agree to provide accurate billing information and to update us promptly if your credit card details change.

2.6 Limitation of Liability
Harborview Investigations is not liable for any damages arising from the use of our payment processing system, except as required by law. Our liability is limited to the amount of the transaction in question. We are not responsible for unauthorized access to your credit card information resulting from your failure to secure your account or device.

2.7 Governing Law
These terms and conditions are governed by the laws of State of Florida, USA. Any disputes arising from credit card transactions will be resolved in accordance with applicable laws and through the appropriate legal channels.

Contact Us
For questions or concerns regarding this Credit Card Privacy Policy or Terms and Conditions, please contact us at [email protected].

Last Updated: June 11, 2025