Black Ridge Customs
Customizing and Accessorizing Your Cars  Since 1998

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Identity Theft

 
Today identity theft is big business. Stealing an identity means big money and avoiding responsibility for that money and for your actions.

So where is the risk for identity theft? We hear on the news now and then about some hacker gaining access to some company database and stealing credit card numbers. While this makes the news it doesn't even make it to 1% of cases of real identity theft.

Most cases are friends of a friend, house burglaries, car breakins or anything resulting in a stolen purse or wallet.

Anytime you give a credit card number to a person you are at risk. You don't know if that person is an honest person or not. Most are very honest but some aren't. Any person that has a photographic memory can memorize a card number and the three digit security number on the back. Also any supposed "security camera's" in a store can also see and record numbers. While this isn't likely to be a problem in the states it was how at least one card number was stolen and used to purchase *$4,000 worth of merchandise from this site. Another tactic is for a employee to use the old slide card impression machines and then keep the carbon copy and just memorize the 3 digit security code and write it down later.

As you can see the biggest risk is anywhere someone else has access to your card.

What we have done to enhance security of your credit card purchases is to automate the process so that no humans have access to your credit card information. While any business does their best to find honest employees, we don't even have to think about that in terms of customer credit card security. Customers come first and their credit card security is the securest they will find anywhere.

There is only one exception to the card number access rule. Card numbers have to be accessed to issue a refund. Only the company president can issue a refund. If you wonder how he has time for that consider this. As of this writing only 8 refunds** were issued last year and only 2 this year. Customer satisfaction is very important as well as making sure that customer is a well informed customer.

 

 

 
*In this case we never shipped the merchandise due to suspicion and eventually we contacted the card holder and arranged a refund and then we had to fight the credit card company (visa) to get our fees refunded. Merchant accounts charge a fee for every transaction to merchants. This includes refunds and is why every refund is a $$ loss for merchants.

 

**We never refuse a refund request BUT refund requests must be within the bounds of our refund policies. Please read our policies and shipping terms. We also will always ask why so we can improve our service. A no questions asked policy is a stupid policy that doesn't allow a business to grow to serve its community better.