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Privacy Statement
WHAT INFORMATION WE COLLECT AND HOW WE USE IT
• Tracking Activity on Our Web Site
• Personal Information We Collect On Our Web site
• How We Use Personal Information
• How We Use Your E-mail Address
• Setting Your Cookie Preferences
• Ads That Link to Our Web Site
• Children Under 13
• How to Opt Out of E-mail Marketing Offers
• How We Safeguard Information
• Site Security Features
• The technological requirements needed to benefit from SSL Technology
• User ID and Password
• Selected Business Partners
• Linking to Other Internet Sites
• Credit Records
• Telecommunications
• Direct Mail, Telemarketing and E-Mail Offers
• Identification Needed for Purchases
• Customer Privacy Principles
• Legal Notices
- Tracking Activity on Our Website
When you browse saftpay.com and have not registered with SaftPay, personally identifiable information—such as your name, address, phone number, and e-mail address—is not collected.
However, we track how our site is used by both visitors and our registered customers. One way we track is by using a small string of text that is sent to your browser known as a "cookie." Cookies collect information that includes the server your computer is logged onto, your browser type (for example, Netscape or Internet Explorer), and whether you responded to a SaftPay banner ad from outside our site or through an e-mail link. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your e-mail address or any other personally identifiable information.
Using cookies enables us to recognize your computer if you or someone else using your computer returns to our site, and to keep track of the pages on our site that you or another user of your computer visit, and whether or not you or another user of your computer respond to certain banner ads or special offers. We use this information to help us present more relevant offers and information.
You can adjust your computer browser settings so that you are informed when a cookie is being placed on your browser. You can also set your browser to decline or accept all cookies. However, if you choose to register on saftpay.com, you must accept cookies in order to access SaftPay site pages that enable you to view your confidential account information. These cookies are essential for site administration and security.
Another way we track site activity is by using transparent electronic images called "clear GIFs," "Web bugs," or "Web beacons" on saftpay.com Web pages. These images count the number of users who visit that page from specific banner ads outside saftpay.com or through e-mail links. A similar image, sometimes called a "Spotlight Tag," is used on saftpay.com Web pages where transactions take place. The Tag collects numeric information, such as the dollar amount of an online purchase, to help us understand usage of the site. E-mail offers we send may contain these electronic images to help us record who responds to the offer and to measure the offer's effectiveness.
Back to top - Personal Information We Collect On Our WebSite
When you become a registered user on our Web site, and enroll in online products or services provided on saftpay.com, you provide us with personal information such as your name, address, e-mail address and telephone number. Depending on the online service in which you choose to enroll, you may provide additional information such as your travel preferences; buying habits, and product selection. Becoming a registered user enables you to review confidential account information for the service(s) in which you are enrolled, and to perform other confidential transactions. After you have become a registered user on saftpay.com we may obtain additional personal information, such as information we have about you as a SaftPay customer, your usage of our site, and your usage of the SaftPay online services in which you enroll.
Whether or not you are a registered user on our site, if you purchase or apply for SaftPay products or services on saftpay.com, we may request that you provide your name, address, telephone number, e-mail address, and other personal information in order to provide the product or service to you or to process your application for the product or service. And, if you receive an e-mail offer from SaftPay, we record whether you "click through" to view or respond to the offer.
Back to top - How We Use Personal Information
We use information collected on our site to process transactions you conduct on our Web site, and to process applications and deliver the products and services you enroll in or apply for. To do this, it is often necessary to share this information with carefully selected vendors and business partners we work with, such as companies that frequent-user, and reward programs, and companies that perform marketing services and other business operations for us. We also use it, together with information we have about you as a SaftPay customer, publicly available information, and preferences you indicate, to customize your online experience and to provide you with more relevant offers and updates.
Back to top - How We Use Your E-mail Address
We may use your e-mail address to send you the following types of e-mail messages:
• Occasional updates about our products and services as well as SaftPay marketing offers.
• Regularly scheduled e-mail newsletters related to the SaftPay products or services you are enrolled in.
• Valuable offers from our business partners that we send you on their behalf.
• Service notifications related to your account(s).
You can also sign up to receive the following types of e-mail messages from us:
• Optional SaftPay e-mail newsletters. We occasionally invite visitors and customers to sign up for these newsletters via e-mail or other communications, and we also post sign up forms on the SaftPay site.
You may decline to receive e-mail offers from SaftPay at any time.
We do not share your e-mail address with other companies for them to market their products or services to you. When we hire vendors to deliver e-mails to you on our behalf, they cannot use your e-mail address for any other purpose.
To make our e-mail offers more relevant to you, we may use information you provided, in surveys, from information we have about you as a SaftPay customer — such as purchasing preferences or lifestyle — and information available from external sources such as census bureau data.
When we send e-mail to you, we may be able to identify information about your e-mail address, such as whether you can view graphic-rich HTML e-mail. If your e-mail address is HTML-enabled, we may choose to send you graphic-rich HTML e-mail messages.
You may also receive e-mail offers from another company for SaftPay products and services if you have actively requested that the company send you offers from its partners and/or advertisers. SaftPay does not provide these companies with personal information about you. To decline offers from other companies who may send offers on our behalf, follow the instructions provided by that company.
Back to top - Setting Your Cookie Preferences
How To Set Your Cookie Preferences
Newer browsers provide sophisticated controls for accepting or rejecting cookies, including the ability to notify you when your browser encounters a cookie at a Web site. Refer to your browser or ISP's help feature to find out more about how to set these controls.
You can adjust your computer browser settings so that you are informed when a cookie is being placed on your browser. You can also set your browser to decline or accept all cookies. However, you must accept cookies if you need to access SaftPay Web site pages that enable you to review or use your confidential account information. These cookies are essential for site administration and security.
Back to top - Ads That Link to Our Web Site
SaftPay may hire other companies to place our banner ads on other Web sites and to perform tracking and reporting activities ("third-party advertisement servers"). They do not collect personally identifiable information in doing this work for us, and we do not give any personally identifiable information to them.
Third-party advertisement servers are subject to their own privacy policies. If you would like more information about the privacy policies of these third-party advertisement servers, including information on how to opt out of their tracking methods, please contact us.
Back to top - Children Under 13
We do not knowingly solicit data online from or market online to children under the age of 13.
Back to top - How to Opt Out of E-mail Marketing Offers
To opt out of receiving e-mail offers or newsletters, click here. All e-mail offers and e-mail newsletters sent to you by SaftPay provide instructions on how to opt out of receiving future offers or newsletters. These instructions are located at the bottom of the e-mail message. You may receive separate newsletters pertaining to different SaftPay products and services. In that case, you must reply to and decline the newsletters individually. If you opt out, we will still send you e-mail with service updates as well as other important information related to the SaftPay online products or services for which you have signed up.
Back to top - How We Safeguard Information
• Site Security Features:
• Selected Business Partners
• Linking to Other Internet Sites
Back to top - Site Security Features
SSL Technology and how you benefit from it:
SaftPay realizes how important security is to you, so we've taken a number of steps to enhance the protection of personal or confidential information sent to or from SaftPay over the Internet.. First, we require that a "secure session" be established, using Secure Socket Layer (SSL) Technology. This is done any time you supply or access personal or confidential information in one of our secure online areas.
SSL Technology creates a private conversation that only your computer and SaftPay systems can understand. The SSL Technology encodes information as it is being sent over the Internet between your computer and SaftPay systems, helping to ensure that the transmitted information remains confidential.
The use of SSL requires two components: an SSL-compatible browser and a Web server to perform the "key-exchange" that establishes a secure connection to SaftPay Web server systems.
Back to top - The technological requirements needed to benefit from SSL
Technology
1. A Compliant Browser
In order to securely access your personal information via the Internet, you will need a browser with SSL capabilities. We recommend you use the latest browser versions available to ensure you have a browser with SSL capabilities. Examples of SSL browsers include Netscape 2.0 and above, Microsoft's Internet Explorer 2.0 and above, and the Web browser for America Online version 3.0 for Windows and above. (Note that some older versions of browsers will not support SSL sessions and some older versions of browsers are not JavaScript-enabled, which means that you may not be able to view all the features on the SaftPay Web site). If you don't already have a JavaScript-enabled browser with SSL capabilities, you can download an SSL and JavaScript-enabled browser from any of the links below.
o Netscape Navigator
o Internet Explorer
o AOL
2. A Compliant Internet Service Provider
Nearly all Internet Service Providers (ISPs) automatically enable the SSL session described above. If you use your company's internal connection to access the Internet and you find you cannot access the SaftPay secure pages with an SSL browser described above, your company may be blocking access via a "firewall." Please speak to your firm's Internet access systems administrator for further details on your network's Internet access.
3. Enabled Cookies
You also must have enabled cookies on your browser in order to access confidential information. If you have chosen to disable cookies on your browser, you will not be able to access confidential information.
Back to top - User ID and Password
Many areas of the site require the use of a User ID and Password as an additional security measure that helps protect confidential information. This allows SaftPay to verify who you are, thereby allowing you access to your account information, and preventing unauthorized access.
When you have finished using a secure area of SaftPay Online Services, make sure you always click on the red "Exit Secure Area" or "Log Out" link which appears on the left-hand side of every secure page. When you click on it, you will be given the option to end your secure session. No further secure transactions can be conducted without re-entering your User ID and Password.
You should be aware that browser software often "caches" a page as you look at it, meaning that some pages are saved in your computer's temporary memory. Therefore, you may find that clicking on your "Back" button shows you a saved version of a previously viewed page. Caching in no way affects the security of your confidential User ID or Password. If you use a computer in a public place to access your account information, simply quit/exit the browser software before leaving to minimize the possibility of anyone else viewing your confidential information.
Back to top - Selected Business Partners
In order to bring you the many online products and services offered on saftpay.com, we work with carefully selected vendors and business partners. If we have to share any information with these companies in order to provide a product or service to you, we first conduct a careful evaluation of their information and security systems and practices, and require administrative, technical, and physical safeguards to ensure the security and confidentiality of SaftPay customer information. At any time, we may audit our partners and vendors to verify the continued security of their systems and practices.
Back to top - Linking to Other Internet Sites
You should be aware that other Internet sites that you link to from the SaftPay site or an SaftPay e-mail may contain privacy provisions that differ from the provisions of our Privacy Statement. To ensure your privacy is protected, we recommend that you review the privacy statements of other Internet sites you visit.
Protecting Your Personal Information
Below is a helpful guide to the many ways you can protect your privacy. You can find out how companies collect, store, and use data related to your personal and financial history. You may also have control over how certain information is used.
• Credit Records
• Telecommunications
• Rebate, Incentive, Discount, and Warranty Programs
• Direct Mail, Telemarketing, and E-mail Offers
• Identification Needed for Purchases
Back to top - Credit Records
Credit bureaus compile records of individual consumers' credit habits to assist lenders, employers, and other businesses in assessing an applicant's creditworthiness. It is recommended that you obtain a copy of your credit report at least once a year to check for inaccuracies. Checking for inaccuracies will enable you to correct mistakes before you apply for a job, credit card, loan, or insurance.
In the United States, credit records are usually maintained by credit bureaus that generally operate on one of three national reporting systems:
Equifax, Inc.
P.O. Box 740241
Atlanta, GA 30374-0241
800-685-1111
www.equifax.com
Experian, Inc. (formerly TRW)
P.O. Box 2002
Allen, TX 75013
888-397-3742
www.experian.com
Trans Union LLC
P.O. Box 1000
Chester, PA 19022
800-888-4213
www.transunion.com
Contact these bureaus for a copy of your credit report. Some bureaus charge a small fee for a copy of your report. In certain circumstances, you may be entitled to receive a copy of your credit report free of charge. For example, if you have been denied credit within the last 60 days, the bureau that supplied the report to the creditor must provide the report to you free of charge. Also, if you suspect that you may be a victim of identity theft, or there is potential fraudulent activity associated with your account, you can contact the bureaus directly for additional information.
If you find inaccuracies or information that you want to clarify, contact the credit bureau and explain the error(s). The bureau is required to re-verify the information within 30 days or remove it from your file. If there is negative information that must remain in your file, you may provide the bureau with a brief explanation (100 words) that will be kept in your file. Negative information is generally kept for seven years; bankruptcy information for 10.
Back to top - Telecommunications
Caller ID is a service offered by telephone companies in most areas across the United States. Subscribing to Caller ID allows you to see the numbers from which incoming calls are placed before you pick up the telephone. If you don't recognize a number, you have the choice to answer or not.
If you don't want your number revealed to those who have Caller ID, your local telephone company may offer per-call or per-line blocking mechanisms to prevent it from being displayed.
Companies with 800 and 900 numbers can use a similar identification technology to record your telephone number when you call. Some firms use your number to help retrieve your records faster and improve the quality and speed of handling your call. Be aware that some firms may also match your number to your name and address to add to customer lists created for marketing or service purposes.
Cellular and cordless phone conversations are easily monitored. You may choose to avoid conducting confidential conversations on these phones, especially phone calls in which you reveal credit card numbers or other personal or confidential information.
Rebate, Incentive, Discount and Warranty Programs
Retailers that offer rebate and incentive programs often ask for your name, address, and phone number. If this concerns you, ask whether you can participate without providing this personal information.
Some retailers may provide you with a postcard or coupon offering a discount on their products or services. By redeeming the offer when you present the postcard or coupon, you may also be providing personal information to the retailer. This information may be used by the retailer to send you future marketing offers.
It is in your interest to return warranty cards to manufacturers with your contact information, so they can notify you about product warnings and recalls. You may leave blank those questions you feel are unnecessary, and request in writing to opt out of marketing programs based on the type of personal information you provide.
You may also want to contact the retailer to find out who has access to the information you are providing to them to participate in these programs. Some companies use this data to create mailing lists that are sold to marketers. Many consumers find receiving such offers a benefit; others do not.
Back to top - Direct Mail, Telemarketing and E-Mail Offers
Many companies use direct mail, telemarketing, and e-mail to reach consumers. If you do not wish to be solicited, there are some steps you can take to reduce the number of solicitations you receive:
• Write to the companies that are contacting you and ask to be removed from their lists.
• Watch for special billing inserts provided by some companies that let you exclude your name from their lists.
• Say "no" to telemarketers who want more information than you feel is necessary and to those who refuse to send follow-up explanatory materials. Under the Telephone Consumer Protection Act (a U.S. federal law), a telemarketer who calls you cannot continue this practice after you have requested that the calls stop.
• The Federal Trade Commission has instituted the "National Do Not Call Registry," where you may register your telephone number (http://www.ftc.gov/donotcall/). Also, many states have laws and regulations governing telemarketing, and maintain their own "do not call" lists that you can sign up for. Check to see if your state has a "do not call" Web site.
• Send an e-mail reply to the e-mail offers from companies or organizations you do not wish to hear from, and request to be removed from future e-mail marketing lists. Or, follow the opt-out instructions that the sender may provide in the e-mail offer.
• Look for a privacy statement or policy on Web sites you visit. The statement should explain what information is collected, how it is used and safeguarded, and how to set your e-mail marketing preferences.
• The Direct Marketing Association (DMA) maintains lists of consumers who do not wish to receive marketing offers. The DMA can be reached online at: http://www.dmaconsumers.org/consumerassistance.html
To register online:
http://www.dmaconsumers.org
Please note that the DMA charges consumers $5.00 to register online for these services.
To register by mail:
Registration for DMA Mail Preferences and Telephone Preferences Services are also available by mail. Follow this link, http://www.dmaconsumers.org, for additional information.
Back to top - Identification Needed for Purchases
When paying with a major credit or charge card:
• Do not provide your telephone number for identification when using a major credit or charge card. However, a merchant that has no electronic or telephone connection with the card company to verify your account at the time of purchase may still ask for a telephone number.
• Do not write your telephone number on credit or charge card purchase slips.
When paying by check:
• Do not put your Social Security number on your check.
• Do not allow your credit or charge card account number to be written on your personal check. A number of states forbid merchants to record credit or charge card account numbers on personal checks. Merchants are permitted to simply note whether you have a major credit or charge card as an indicator of your creditworthiness. Exceptions include emergency check cashing, where you have pre-approved the use of your card to guarantee your check. Be forewarned, however, that merchants may refuse to accept your check if you refuse to allow them to record your card number.
For More Information
If you need further guidance, you may wish to consult the consumer affairs office of the company involved, the U.S. Better Business Bureau, or your local or state consumer protection agency.
How You Can Access and Change Information
There are two ways in which you may be able to make changes to information you have provided on this Web site: changes to data you have provided to us when registering for an online service account; changes to your e-mail marketing preferences.
Depending on the online service for which you have enrolled, you may be able to make changes to certain personal information. In order to update your personal information, log in to access that online service.
You may update your e-mail marketing preferences about e-mail offers and newsletters from SaftPay, including messages about our business partners' products. Click here to make any changes to your e-mail marketing preferences.
Back to top - Customer Privacy Principles
At SaftPay:
• WE COLLECT ONLY CUSTOMER INFORMATION THAT IS NEEDED, AND WE TELL CUSTOMERS HOW WE USE IT. We limit the collection of information about our customers to what we need to know to provide customer services, to offer new products and services, and to satisfy any legal and regulatory requirements. We also tell our customers about the general uses of information we collect about them, and we will provide additional explanation if customers request it.
• WE GIVE CUSTOMERS CHOICES ABOUT HOW THEIR INFORMATION WILL BE USED. Our businesses give customers “opt out” choices about how information about the customer’s relationship with that business unit may be used to generate marketing offers. These marketing choices include product and service offers from SaftPay businesses and those made by our business partners. Of course, each of our businesses will continue to send its customers information relating to products or services they receive from that business.
• WE ENSURE INFORMATION QUALITY. We use advanced technology, documented procedures and internal monitoring practices to help ensure that customer information is processed promptly, accurately and completely. We will respond in a timely manner to customers’ requests to correct inaccurate account or transaction information. We also require high standards of quality from the consumer reporting agencies and others that provide us with information about prospective customers.
• WE USE PRUDENT INFORMATION SECURITY SAFEGUARDS. We limit access to customer information systems to those who specifically need it to conduct their business responsibilities, and to meet our customer servicing commitments. We employ safeguards designed to protect the confidentiality and security of our customer information.
• WE LIMIT THE DISCLOSURE OF CUSTOMER INFORMATION. We do not disclose customer information unless we have previously informed or been authorized by the customer, or we do so in connection with our efforts to reduce fraud or criminal activity and to comply with regulatory requirements and guidelines. When a court order or subpoena requires us to release information, we typically notify the customer to give the customer an opportunity to exercise his or her legal rights. Further, we will not disclose or use health information for marketing purposes or use it as a basis to make credit decisions.
• WE ARE RESPONSIVE TO CUSTOMERS’ REQUESTS FOR EXPLANATIONS. If we deny an application for our services or end a customer’s relationship with us, to the extent permitted by applicable law, we will provide an explanation, if requested. We state the reasons for the action taken and the information upon which the decision was based, unless the issue involves potential criminal activity.
• WE HOLD OURSELVES RESPONSIBLE FOR OUR PRIVACY PRINCIPLES. Each SaftPay employee is 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. Employees who violate these Principles are subject to disciplinary action, up to and including dismissal. Employees are expected to report violations, and may do so confidentially, to their manager, to their business unit’s compliance officer, or to the company’s Office of the Ombudsperson.
We also conduct internal assessments of our privacy practices and periodically commission outside expert reviews of our compliance with the Privacy Principles and the specific policies and practices that support these Principles.
• WE EXTEND THESE PRIVACY PRINCIPLES TO OUR BUSINESS RELATIONSHIPS. We require companies we select as our business partners to agree to keep our customer information confidential and secure, to protect the information against unauthorized access, use, or redisclosure by the recipient company, and limit its use to the purposes for which it was provided to them.
We also encourage our business partners to respect their customers’ information by adopting strong and effective privacy policies and practices, including offering “opt out” choices for marketing offers to their customers.
In addition, we participate actively in industry associations to advocate development of comprehensive privacy policies and implementation strategies.
Back to top - Legal Notices
The SaftPay Internet Privacy Statement sets out our company policy regarding our collection, use and safeguarding of customer information on this Web site. The SaftPay Internet Privacy Statement is not intended to be a legal notice for any SaftPay product or service.
Certain products and services require particular types of legal privacy notices. As a general matter, these notices provide specific details about particular personal products or services.
Back to top