Right now, there are a few powerful attributes living across dozens of data sources, internal and external, structured and unstructured, that can instantly increase your ability to find and accept more consumer/small business customers, vastly reduce manual verifications and operating costs, reduce risk/fraud, and drive new top-line revenue. Working across the world's Tier 1 banks, online lenders, telcos, and insurance companies, our platform and leading libraries deliver attributes as a service in real-time.
DemystData's proprietary Attribute Platform works with more data sources than anyone else, including telco, social, ID, fraud, websites, text, news, logs, and much much more, and allows for the creation, hosting and delivery of actionable attributes that are unavailable anywhere else.
We have helped the world’s largest banks, telecommunications providers, insurers, and lenders optimize their workflows and more accurately screen over 400m customers. And we’re just getting started.
Validate address, phone, and email address individually and in combination across numerous sources.
Compare self-reported income to estimates based on jobtitle, life status, industry, and purchase behavior.
Verify an individual's self-reported employment by checking sources including business registration data, company web pages, and self-reported information.
Use email history, demographics, social profiles and more to identify customers likely to qualify and be approved for your products
Optimize marketing efforts with data useful in segmenting customers and determining suitability for various products.
WHO WE ARE AND WHAT THIS IS
Demyst Data Limited and its affiliated companies (together, “Demyst Data” or “we” and sometimes “us”) is the producer and owner of the Demyst Data software and libraries (collectively referred to here as the/our "Software" or the/our "Services"), a toolkit that allows organizations to unlock financial services through the use of better data, smarter decisions and best in class infrastructure.
We take the private nature of your (and your customers’) Personally Identifiable Information (defined below) very seriously, and are committed to protecting it. To do that, we've set up procedures to ensure that such information is handled responsibly and in accordance with applicable data protection and privacy laws. Your trust is paramount to us, and we act accordingly.
"Personally Identifiable Information" is any information that we could use to identify an individual, including, for example, their name, address, geographic location of their computer or mobile device, telephone number, credit card number, email address and bank account information. It does not include Personally Identifiable Information that is encoded or anonymized (such as through encryption or hashing), or publicly available information that has not been combined with non-public information.
IF YOU’RE OUTSIDE OF THE UNITED STATES
If you are outside the United States, any Personally Identifiable Information you enter into the Software or otherwise share with us may be transferred out of your country and into the United States, and possibly to other countries (unless expressly otherwise agreed to in writing by you and us). By using the Services, you consent to such transfer and are representing that you and we have the right to transfer such information outside your country.
IF YOU’RE IN THE EUROPEAN ECONOMIC AREA (EEA)
Demyst Data complies with the EU Data Protection Directive (Directive 95/46/EC) on the protection of individuals with regard to the processing of personal data and on the free movement of such data. Demyst Data makes our Model Clause Addendum available to all customers looking to or currently transferring personal data out of the EEA, so that they may transfer personal data outside of the EEA, including to the US, in compliance with EU law. Please contact firstname.lastname@example.org for more information.
A NOTE ABOUT CHILDREN
We do not collect any Personally Identifiable Information from children under the age of 13. If you know or believe that such information has been provided to us without the consent of the child’s parent or guardian, please contact us at email@example.com. If we become aware that we have collected Personally Identifiable Information about a child under the age of 13, we’ll delete it.
HOW WE COLLECT INFORMATION
We collect information in three different ways: Information we get from and in connection with your use of our Software and/or Services, information you provide to us directly, and information we receive about you from third parties.
Personally Identifiable Information You Provide To Us.
We collect Personally Identifiable Information from you when you register to use the Software and Services. If you provide us feedback or contact us regarding your use of the Software and/or Services, we will collect your name and email address, as well as other content included in the email, in order to address your outreach and send you a reply. In connection with your use of our Software and Services, you may also opt to share private customer information, including Personally Identifiable Information, with us, and we will retain this information on your behalf.
Personally Identifiable Information Collected By Third Parties.
We may also collect information about you and/or your customers from companies that provide services in connection with our Software and Services, including but not limited to third-party verification services, credit bureaus, mailing list providers, and publicly available sources. Such companies may supply us with Personally Identifiable Information such as an individual’s name and email, mailing address, or phone number. We may add this information to the information we already have collected from you via our Software in order to perform and improve our Services.
Personally Identifiable Information Collected Via Technology.
When you visit our website, and use our Software, our goal is to make the experience simple and useful. To that end, we use industry standard identifiers, such as cookies, to track information about your use of the website. A cookie is a small piece of data that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. As you navigate through and interact with our website, we may automatically collect certain information about your equipment, browsing actions and patterns using common internet technologies. This may include details of your visits to our website, including information about your connectivity, such as your IP address and browser information, location data, logs and other communication data, and the resources that you access and use on the website. The information we collect automatically helps us to improve our website and to deliver better and more personalized content and services enabling us to estimate our audience size and usage patterns and recognize when you return to our website.
Most web browsers automatically accept cookies, but, if you prefer, you can change your browser settings to prevent that or to notify you each time a cookie is set. Please note however that by blocking or deleting cookies, you may not be able to take full advantage of our website or Software.
HOW WE USE INFORMATION WE COLLECT
Choice. Choice is all about making sure you have the ability to control how we use your Personally Identifiable Information, and when and with whom we can share it.
We won't share your Personally Identifiable Information with third parties (other than vendors or contractors who process such information pursuant to our agreement with you and at our discretion) unless we are required to do so by law, or if we believe in good faith that disclosure is reasonably necessary to protect our property, rights or those of third parties or the public at large.
It is possible that we may, on occasion, buy or sell assets from or to other companies. If that should occur, user information is likely to be one of the assets transferred and we reserve our right to do so.
Other than in these rare circumstances, we will not rent or sell Personally Identifiable Information to anyone.
If you are a registered user of our Software and Services and have supplied your email address, we may occasionally send you an email to tell you about new features, solicit your feedback, or keep you up to date with other developments at Demyst Data. We expect to keep this type of communication to a minimum. If we do send you information that you did not expressly request, we will provide you with a way to request that you don't get any similar notices.
Onward Transfer. Onward transfer refers to us sharing your Personally Identifiable Information with third party vendors or contractors.
Security and Data Integrity. Security of your Personally Identifiable Information is a cornerstone of our business and we are the utmost dedicated to defending that information from unauthorized access, use, disclosure, disruption, modification, or destruction. In addition to assuring you that we will protect your Personally Identifiable Information, we also take reasonable precautions to make sure that any such information in our possession is reliable for its intended use, accurate, complete and up-to-date.
All records containing Personally Identifiable Information are afforded confidential treatment at all times. All such electronic information is stored on restricted database servers, and is generally kept until such time as you may ask us to edit or delete it, as described below. We only disclose such information to our employees, contractors or affiliates that (i) need to know that information in order to process it for us or to provide our Software or Services, and (ii) have agreed in writing to afford it the requisite confidential treatment. We have a separate policy for the purpose of explicitly outlining our commitment to information security. For more information, please email firstname.lastname@example.org for a copy of our Information Security Policy.
Access. We do not store and retain personally identifiable information to which we might have access during your use of the Software or Services within a contributory database without your explicit written consent; instead, any Personally Identifiable Information that we collect typically resides on servers maintained with our hosting provider, Amazon Web Services (“AWS”) unless otherwise agreed to by you and us. Any Personally Identifiable Information hosted in our cloud solution is segregated on a client-by-client basis, and encrypted at rest. We retain such information with AWS as long as your account with us is active, but will comply with all reasonable instructions from you to correct, amend or delete your information, or to provide you access to your information. Please note that some information may remain in our records even after you request deletion of your information as permitted by applicable privacy laws and any separate contractual agreements in place between you and us. Additionally, there may be limits to the amount of information we can practically provide. For example, we may limit an individual's access to Personally Identifiable Information where the burden or expense of providing access would be disproportionate to the risks to the individual's privacy or where doing so would violate others' rights.
Questions? If you have any concerns or complaints about how you think we've handled your Personally Identifiable Information, please contact email@example.com or our legal department at the address below. We will work hard to investigate and resolve any complaints.
HOW TO CONTACT US
Written Inquiries can be sent to:
Demyst Data Ltd.
1261 Broadway, Suite 408
New York, NY 10001
EMPLOYEES' & PROSPECTIVE EMPLOYEES' INFORMATION
This section covers any ways in which Personally Identifiable Information we collect from employees or applicants might be treated differently than user information. If you are not an employee or interested in applying for a job with DemystData, no need to read on. Then again, who wouldn't want to work with an amazingly talented team dedicated to unlocking the next tier of financial services for customers by leveraging the world’s best data and most innovative tools at the intersection of big data, technology and banking. Want to know more? Check out our careers page. And if you do, be sure to review the following non-exclusive list of ways that we may use information provided to us by employees or applicants:
ACCEPTANCE OF TERMS & CONDITIONS
Demyst Data Limited and its affiliated companies (together, “Demyst Data” or “we” and sometimes “us”) provide the websites www.demyst.com and demystdata.com (collectively, the “Website”) and the Demyst Data software and libraries (collectively referred to herein as the/our “Software” or the/our “Services”), subject to your agreement to and compliance with these Terms and Conditions (the “Terms”).
If you are using the Software and Services on behalf of any entity, you represent and warrant that you are authorized to accept these Terms on such entity’s behalf and that such entity agrees to indemnify you and Demyst Data for violations of these Terms. Nothing in these Terms will be deemed to confer any third-party rights or benefits. PLEASE READ THESE TERMS CAREFULLY BEFORE ACCESSING OR USING THE WEBSITE OR ANY CONTENT ON THE SITE. BY ACCESSING THE WEBSITE OR ANY CONTENT ON THE WEBSITE, YOU AGREE TO BECOME BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO ALL THE TERMS, THEN YOU MAY NOT ACCESS THE WEBSITE OR USE THE CONTENT OR ANY SOFTWARE OR SERVICES IN THE WEBSITE. OUR ACCEPTANCE IS EXPRESSLY CONDITIONED UPON YOUR ASSENT TO ALL OF THESE TERMS; IF THESE TERMS ARE CONSIDERED AN OFFER BY US, ACCEPTANCE IS EXPRESSLY LIMITED TO THESE TERMS.
THIS MIGHT NOT BE THE ONLY AGREEMENT YOU HAVE WITH US
These Terms do not alter the terms or conditions of any other agreement you may have with us for specific Software or Services. It is likely that you have entered into a separate licensing, pilot or services agreement with us. We refer to each of these as a “Separate Agreement.” The Separate Agreement shall take precedence if there is a conflict between those terms and these Terms, to the extent of such conflict and with respect to the particular subject matter of that Separate Agreement.
We reserve the right, at our sole discretion, to modify or replace the Terms at any time. If the alterations constitute a material change to the Terms, we will notify you by posting an announcement on the Website. What constitutes a “material change” will be determined at our sole discretion, in good faith and using common sense and reasonable judgment. You are responsible for reviewing and becoming familiar with any such modifications. Use of our Website by you following such notification constitutes your acceptance of the Terms as modified.
We use industry standard security measures and take reasonable system, process and administrative precautions to protect the security and integrity of email and other electronic communications that you may send to us. Despite all these precautions, no method of transmission over the Internet is entirely secure and we cannot guarantee the confidentiality or security of the electronic communications or its contents, even if there is a special note that a particular transmission is encrypted. You transmit such information at your own risk and you should decide very carefully which information you want to send us via any electronic communication.
In order to use our Website, you must have a valid account. To acquire an account for the Website, you must provide us with an electronic mail address and other information. You are responsible for maintaining the confidentiality of the access data for your account, and are fully responsible for all activities that occur under your account. You agree to (a) immediately notify us of any unauthorized use of your account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. We cannot and will not be liable for any loss or damage arising from your failure to comply with this section. In consideration of use of the Website, you agree to: (a) provide true, accurate, current and complete information about yourself as prompted by our registration form, and (b) maintain and promptly update the registration information to keep it true, accurate, current and complete.
If you provide any information that is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Website (or any portion thereof). We may, at our sole discretion, refuse to offer the Website to any person or entity and change its eligibility criteria at any time.
You are solely responsible for ensuring that these Terms are in compliance with all laws, rules and regulations applicable to you and the right to access the Website is revoked where these Terms are prohibited or to the extent offering, sale or provision of the Software or Services conflicts with any applicable law, rule or regulation.
As part of our Services, we may offer training, support and professional services to help you install, configure, optimize, tune and run computer programs, including for large scale data processing and analysis. We also develop, distribute and maintain proprietary software products for our customers. The Services may be provided by us or third-party service providers. We reserve the right to change any and all content contained in the Software or Services and to modify, suspend or discontinue the Software, Services or any features or functionality of the Services at any time without notice and without obligation or liability to you.
You will not violate any law, contract, intellectual property or other third-party right or commit a tort, and you are solely responsible for your conduct while on the Website. You will not do, and will not allow or authorize any third party to do, any of the following:
YOUR OBLIGATIONS TO US
CHILDREN UNDER THE AGE OF 13
By using the Website (and registering an account on the Website), you represent and warrant that you are at least 13 years of age, and no one under the age of 13 may use the Website.
CONTENT OWNERSHIP AND USAGE RIGHTS
We shall retain all worldwide rights in the intellectual property of the Software and Services and any content on the Website, including, but not limited to, trademarks, the “look and feel” of the Website, its color combinations, layout, and all other graphical elements, and the copyright in and to its original content. You should assume that everything you read or see on the Website is copyrighted or otherwise protected and owned by us, or a third party who licensed the right to use such content to us. Unless otherwise expressly noted, nothing that you read or see on the Website or other site content, or any of the source code or HTML code that we use to generate the Website may be copied, reproduced, modified, distributed, transmitted, republished, displayed, or performed for commercial use without our prior written consent, except as provided in the Terms, without prior written consent or otherwise permitted by relevant law.
USE OF SOFTWARE
Our Software is protected by our applicable copyright, patent or other intellectual property rights or the third-party licensor. You are permitted to use the Software for your legitimate internal business objectives related to your role as a contractor, partner, or current or prospective customer of ours.
You own and retain all rights, title and interest in and to all intellectual property rights embodied in or associated with your data, your client’s or customer’s data, and any and all your products and services.
We own and retain all rights, title and interest in and to all intellectual property rights embodied in or associated with the Software and all modifications, enhancements and derivative works thereof including, without limitation, the Software, and all related inventions, know-how, scores, attributes, data delivery technology, modeling techniques, testing processes, designs, methodologies, software, flow charts, documentation, reports, specifications and all intellectual property rights relating to any of the foregoing, subject to your intellectual property ownership rights in and to any of your data included therein.
LIMITED LICENSE AND RESTRICTIONS
We grant to use, subject to all of the terms and conditions of any other Separate Agreement, a limited, revocable, non-exclusive, non-sublicensable, non-transferable license. You shall not (a) reproduce or modify the Software or Services, (b) rent, sell, lease or otherwise transfer the Software or Services to, or use the Software or Services for the benefit of any third party (c) reverse assemble, reverse compile or reverse engineer the Software or Services, or otherwise attempt to discover any of the source code or our underlying intellectual property.
REMEDIES FOR MISUSE
You agree that any unauthorized use of our Website or its contents or any breach of these Terms may cause immediate and irreparable harm for which money damages may not constitute an adequate remedy. You agree that we may, with or without cause, without prior notice, without liability to you and at our discretion, immediately terminate your access to this Website. You further agree that injunctive relief, in addition to any other remedies available, may be warranted in order to enforce these Terms. You further understand that unauthorized use of this Website may expose you to civil and criminal liability and that we may report violations of these Terms and to and cooperate fully with the appropriate law enforcement authorities concerning any violations hereof.
THIRD PARTY CONTENT
You may gain access through the Website to third party sites or data on the Internet. Third party sites are not within our supervision or control. Unless explicitly otherwise provided, we do not make any representation or warranty whatsoever about any third party site or data that is linked to our Website. We disclaim: (a) all responsibility and liability for content on third party websites and (b) any representations or warranties as to the security of any information (including, without limitation, credit card and other personal information) you might be requested to give any third party, and you hereby irrevocably waive any claim against us with respect to such sites and third party content.
Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable user content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.
You will indemnify and hold harmless Demyst Data, its parents, subsidiaries, affiliates, customers, vendors, officers and employees from any liability, damage or cost (including reasonable attorney’s fees and costs) from any claim or demand made by any third party due to or arising out of your access to or use of the Website or any content on the Website, violation of the Terms by you, or the infringement by you of any intellectual property or other right of any person or entity.
In no event shall we, our directors, officers, shareholders, employees, members, agents, consultants, contractors, partners, vendors or service providers (including, without limitation, hosting and telecommunications providers) be liable with respect to the Website for (a) any indirect, incidental, punitive, or consequential damages of any kind whatsoever; (b) damages for loss of use, profits, data, images or other intangibles; (c) damages for unauthorized use, non-performance of the Website, errors or omissions; or (d) damages related to downloading content. Our collective liability under this agreement shall be limited to five hundred United States Dollars. Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations and exclusions may not apply.
Diligent care has been taken in acquiring and providing the information included and posted on the Website. Nonetheless, we make no guarantee or warranty, express or implied, as to the reliability, accuracy, timeliness or completeness of that information and assume no responsibility for any errors or omissions therein. USER ACCESSES THIS WEBSITE AT HIS OR HER OWN RISK. THE WEBSITE AND ALL CONTENT ON THE WEBSITE IS PROVIDED ON AN “AS IS, AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND AND ANY AND ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSEOR NON-INFRINGEMENT ARE SPECIFICALLY DISCLAIMED. IN ADDITION, WE DO NOT REPRESENT OR WARRANT OR GUARANTEE THAT THE UNDERLYING DATABASES USED TO PROVIDE THE SOFTWARE OR SERVICES ARE COMPLETE, ACCURATE OR CORRECT AND, ACCORDINGLY, WE DO NOT REPRESENT OR WARRANT OR GUARANTEE THAT ANY INFORMATION PROVIDED BY US IS COMPLETE, ACCURATE OR CORRECT. WE NOR OUR, AGENTS OR THIRD PARTY CONTENT PROVIDERS SHALL BE LIABLE FOR ANY LOSS RESULTING FROM USE OR UNAVAILABILITY OF INFORMATION OR CONTENT ON THIS WEBSITE, INCLUDING BUT NOT LIMITED TO ANY LOST PROFITS, LOSS OR DAMAGE TO DATA, OR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, COMPENSATORY OR INCIDENTAL DAMAGES, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS DISCLAIMER IS APPLICABLE TO ANY DAMAGE OR INJURY RESULTING FROM OUR NEGLIGENCE OR OMISSION, COMPUTER VIRUS OR OTHER SIMILAR ITEM, TELECOMMUNICATIONS ERRORS, OR UNAUTHORIZED ACCESS TO OR USE OF USER INFORMATION THROUGH THEFT OR ANY OTHER MEANS. WE ARE NOT LIABLE FOR CRIMINAL, TORTIOUS, OR NEGLIGENT ACTIONS OR OMISSIONS OF THIRD PARTIES THAT AFFECT THIS WEBSITE. IN NO EVENT WILL WE OR OUR AGENTS, ASSIGNS OR THIRD PARTY CONTENT PROVIDERS BE HELD LIABLE FOR ANY TORTIOUS OR ILLEGAL CONDUCT OF OTHER USERS. IN NO EVENT WILL WE OR ANY OF OUR AFFILIATES, AGENTS, OR ASSIGNS BE HELD LIABLE FOR ANY DAMAGE TO EQUIPMENT, HARDWARE OR OTHER PROPERTY OF USER OR PERSONAL INJURY THAT ARISES IN CONNECTION WITH USE OF THE WEBSITE.
TRADEMARKS AND TRADE NAMES
The company name, graphics, logos, designs, page headers, button icons, scripts, and other product and service names are the trademarks and trade names of Demyst Data. Demyst Data trademarks and trade names may not be used, including as part of trademarks and/or as part of domain names, in connection with any product or service in any manner that is likely to cause confusion.
UNITED STATES GOVERNMENT RIGHTS
The Software is a “commercial item” as defined at 48 C.F.R. 2.101, consisting of “commercial computer software”, “commercial computer software documentation” and “commercial services.” If you are a U.S. governmental entity, then you acknowledge and agree that (i) use, duplication, reproduction, release, modification, disclosure, or transfer of the Software and any related documentation of any kind, including, without limitation, technical data and manuals, will be restricted in accordance with Federal Acquisition Regulation 12.212 for civilian purposes and Defense Federal Acquisition Regulation Supplement 227.7202 for military purposes, (ii) the Software were developed fully at private expense and (iii) all other use of the Software except in accordance with the license grant provided above is strictly prohibited.
DMCA NOTICE OF INFRINGEMENT
We respect the intellectual property rights of others, and we expect users of our Website do the same.
If you believe that the use or display of any Content on the Website infringes any copyright that you own or control, please contact our designated agent for copyright claims at:
When providing notification of alleged infringement of a copyright that you own or control (“DMCA Notice”), please provide our designated agent the following information:
Terms and the relationship between you and Demyst Data (including any dispute) shall be governed in all respects by the laws of the State of New York, United States of America, without regard to its conflict of law provisions.
If any provision of these Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect.
These Terms constitute the entire agreement between users of the Website and Demyst Data, and regarding the subject matter hereof. If you breach any term of the Terms, we may pursue any legal or equitable remedy available, including but not limited to, direct, consequential, and punitive damages and injunctive relief. Our remedies are cumulative and not exclusive. Our failure to exercise any remedy or enforce any portion of the Terms at any time shall not operate as a waiver of any remedy or of the right to enforce any portion of the Agreement at any time thereafter. Users of this Website are responsible for compliance with all applicable regulations and laws.
Questions or comments about the Website may be directed to Demyst Data at the email address firstname.lastname@example.org. If you believe there is a violation of these Terms and you would like to report it to us, please direct the information to email@example.com. Any reports of violations you submit to us, including your identity, may not be kept confidential. In response to your report, we may take actions in accordance with these Terms or other applicable agreements between us and the alleged violator of the Terms, and may pursue other remedies available under all applicable local, state, federal or international laws, regulations, rules, orders and other requirements, now or hereafter in effect. However, we are under no obligation to respond to any reports we receive. Please note that a personal reply to reports you submit to us may not always be possible.