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Privacy Policy |
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PayCheck Direct's Privacy Policy
At Innovative Processing Solutions, LLC (“IPS”), protecting your privacy is important
to us. We hope the following statement will help you understand how IPS collects,
uses and safeguards the personal information you provide to us on our website and
as a customer of IPS.
Security - When confidential personal account data is sent to IPS through the Internet,
we require that a "secure session" first be established using Secure Socket Layer
(SSL), or Secure Electronic Transaction (SET) protocol when that is fully available.
IPS’ internal security standards safeguard your information submitted by computer
in several ways. Encryption helps protect your data from interception by a third
party. Except for access to data by IPS Personnel or the sponsor of your card program
required to conduct business, you will be the only person accessing your data. We
use security techniques designed to protect our customer data – especially when
certain data is used by employees and business partners to fulfill customer services.
Information Collection - When you browse any IPS website, you do so anonymously.
Personal information -- including your E-mail address -- is not collected. Some
of our websites, however, may request that you voluntarily supply us with personal
information, including your E-mail address and account number (if you are a IPS
Merchant, Cardholder or Client user), for purposes such as correspondence, account
maintenance, checking your bill, making a purchase, or participating in online surveys.
We limit the collection of information about our customers to what we need to know
to administer their accounts, to provide customer services, to offer new products
and services, and to fulfill any legal and regulatory requirements. IPS uses advanced
technology and well-defined employee practices to help ensure that customer data
is processed promptly, accurately and completely. IPS employees are permitted access
to only the information they need to perform their jobs. IPS maintains strict internal
policies against unauthorized disclosure or use of your information. Each IPS employee
is personally responsible for maintaining consumer confidence in the company. We
provide training and communications programs designed to educate employees about
the meaning and requirements of these Customer Privacy Principles. We conduct reviews
of our compliance with the privacy principles and the specific policies and practices
that support the principles. Employees who violate these principles or other company
policies and practices are subject to disciplinary action, up to and including dismissal.
Employees are expected to report violations – and may do so confidentially – to
their managers.
Information Use - If you provide us with your E-mail address, or have done so in
the past, we may upon occasion send you information by E-mail. We may use information
you have given us to, for example, provide a service, ensure proper billing and
inform you about products and services. These offers may be based on information
you provided in your initial transaction with us, in surveys, as well as information
available from your card program sponsor. Primarily, these E-mail offers will come
from IPS. The lists used to send you information will be developed and managed under
strict conditions designed to safeguard the security and privacy of customer information.
IPS Incorporated maintains your transaction history according to various federal
and state laws and regulations concerning record retention.
Company Commitment to Privacy – In keeping with our strong interest in consumer
privacy protection, IPS keeps abreast of current industry initiatives to preserve
individual privacy rights on the Internet and in all aspects of electronic commerce.
IPS extends these privacy principles to our business relationships. We expect the
companies we select as our business partners to honor our privacy principles in
the handling of customer information. These include companies that assist us in
providing services to our customers. In selecting business partners, how they respond
to consumer complaints and whether or not they provide opt-out choices fro those
whose information they process. In working with our partners and vendors to compile
and use lists of customers and prospective customers for marketing purposes, we
require strict contractual obligations regarding security, allowing us to audit
those who are involved I the process. If you have any questions about this statement,
you can reach us at 1-800-831-2273, or you may send us E-mail.
Linked Internet Sites – User should be aware that other Internet sites to which
User hyperlinks from the Site may contain privacy provisions that differ from the
provisions provided herein. IPS is not responsible for such provisions, and expressly
disclaims any and all liability related to such provisions. IPS is a national developer
and provider of value-added telecommunications services which include, but are not
limited to, long distance services, voice mail, fuel authorization, cash advance
services, electronic payment, cash dispensing, card issuing and e-commerce services.
IPS processes transactions initiated by credit and debit cards, checks and electronic
benefits transfer (EBT) cards from merchant point-of-sale terminals and via the
Internet. Similarly, IPS processes transactions initiated by cards in automated
teller machines (ATMs). We have relationships with merchants, customers and cardholders
– individuals who are potential or existing customers and clients. We collect information
necessary to enroll them as customers, to provide the services they have selected,
to administer their accounts and to offer them additional or related IPS products
and services. Because we strongly advocate the protection of customer information,
we believe that the adoption and implementation of the IPS Customer Privacy Principles,
above, are good business practices, and will serve the interests of our customers
in effective privacy protection. These Customer Privacy Principles guide our conduct
in the collection, use, release and security of customer information, as well as
the responsibilities we assume as employees, including our dealings with business
partners. These principles define our commitment to protect the privacy of our various
customers. Each IPS business unit maintains its own additional rules and practices,
which are fully consistent with these principles, and which they may modify as needed
for particular products and services, or to conform to local laws or customs around
the world.
If you have questions or comments about the IPS Customer Privacy Principles, please
contact the Innovative Processing Solutions, LLC, P.O. Box 23886, Chattanooga, Tennessee,
37422.
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