Privacy Statement for Retail Choice

Retail Choice is an electronic transaction processor that specializes in Stored Value processing. Organizations and financial institutions, through a direct contractual relationship, use our platform to offer a wide variety of stored value products to consumers and employees (hereafter “consumer” or “you”).

Retail Choice complies at all times with all applicable Federal and state laws, rules or regulations. Retail Choice takes privacy and data protection issues seriously. We have designed this Privacy Policy to explain how we handle personally identifiable information collected from consumers who register for services and submit information to Retail Choice through the Internet. Currently, this Online Privacy Policy Statement is only applicable to customers and visitors in the United States who visit our site.

As the Retail Choice services evolve, we may revise this policy from time to time.

If you have questions about Retail Choice privacy practices please contact us at sales@retailchoicecard.

Scope of this Privacy Policy

• Information Collection and Use
• Information Sharing and Disclosure
• Information Security
• Account Information and Preferences
• Notice for non-United States Users
• Changes to this Privacy Policy
• Tips for Consumers

This Privacy Policy covers Retail Choice's treatment of personally identifiable information collected from consumers who use the Retail Choice payment gateway services, as well as consumer information that we acquire in the course of our business. This Policy also covers the treatment of personally identifiable information that Retail Choice's business partners may share with it.

This Policy does not apply to the practices of companies that Retail Choice does not own or control, or to people that Retail Choice does not employ or manage.

Information Collection and Use

Retail Choice collects personally identifiable information when you register for an Retail Choice account, and when you use certain Retail Choice products and services. Retail Choice may also receive personally identifiable information from its resellers and other business partners.

When you register with Retail Choice, we ask for your contact information (such as your name, street address and e-mail address), as well as certain information pertaining to your business, along with billing information such as a bank account and/or credit card number.

In the course of processing a payment transaction, we typically receive from the marketer or financial institution information related to the transaction. This normally includes information about the payment that a consumer has furnished the marketer or financial institution in placing the order. We do not acquire any information directly from consumers through the www.retailchoicecard.com Web site.

The personally identifiable information we acquire in processing stored value and payment transactions varies according to the nature of the transaction and the way in which consumers or financial institutions are using our stored value and payment services. It may include, for example, the amount of the transaction, the consumer's name, credit card number and expiration date, checking account number, billing address, and shipping address.

Retail Choice uses the information collected to fulfill your requests for certain products and services, to process payment transactions, to facilitate billing, and otherwise deliver the payment gateway services. We may also send consumers service announcements, newsletters, and periodic notices about specials and new products. Personally identifiable consumer information is used to process stored value and payment transactions and for no other purpose.

Retail Choice does not offer services or sell products to children. Retail Choice does not request or knowingly collect personally identifiable contact information from anyone under the age of 13.

Use of Cookies

A “cookie” is a small text file placed on your computer’s hard drive by a Web server and which is acknowledged by your web browser. We use cookies for a variety of purposes, including, but not limited to the following:

• To assist us in providing our services to you
• To allow you to change pages during your visit to our website without repeatedly having to re-enter your password
• To track activity on our web site
• To determine whether you came to our site from a banner ad or an affiliate website

You can usually set pppolicy.htmlarameters on your computer that allow you to elect to accept cookies or to have your browser notify you each time a cookie is offered. You can also usually delete cookies from your hard drive. Instructions on how to accept cookies, on how to be notified that a cookie is being offered and on how to delete cookies are available through your Internet Browser.

Information Sharing and Disclosure

Protecting personally identifiable information about consumers is an important part of our business. We share and disclose such information only as described below.

Retail Choice will send personally identifiable information about you to other companies or people when we:

1. have your consent to share the information;
2. need to share your information to provide the product or service you have requested;
3. need to send the information to companies who work on behalf of Retail Choice to provide a product or service to you (unless we tell you differently these companies do not have any right to use the personally identifiable information we provide them beyond what is necessary to assist us).

Personally identifiable consumer information is shared with third parties (such as banks and credit card processors) to the extent necessary for Retail Choice to deliver stored value and payment processing services.

We also may release personally identifiable information when we believe release is appropriate to comply with law; enforce or apply our agreements; or protect the rights, property, or safety of Retail Choice, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and risk reduction.

In the event that Retail Choice is acquired, distributor account information may be one of the transferred assets.

Information Security

Information security is critical to our business. We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input. We store information gathered on secure computers located in a locked data center. The number of employees involved in the management of the data center that have physical access to these computers is limited. We use firewalls and other security technology to prevent our computers from being accessed by unauthorized persons.

We also require that any personally identifiable consumer information sent to us by you be encrypted using SSL encryption. To learn more about SSL, go to: http://webopedia.internet.com/TERM/S/SSL.html.

It is important for you to protect against unauthorized access to your Login ID/password and to your computer. Be sure to sign off when finished using a shared computer and otherwise protect the password used to access the Retail Choice services.

Account Information and Preferences

Retail Choice gives you the ability to edit your Retail Choice User Profile at any time by using the Consumer Interface’s Change User Profile option of the Services section or by emailing us at support@retailchoicecard.com.

Notice for non-United States Users

Retail Choice is located in the United States. Any information that you provide to Retail Choice will be transferred out of your country to the United States. By providing personal information to us, you are consenting to its storage and use as described herein.

Changes to this Privacy Policy

Retail Choice reserves the right to modify or amend this Privacy Policy at any time and for any reason. If there are material changes to this statement or in how Retail Choice will use personally identifiable information, Retail Choice will post notice on the Retail Choice home page at www.retailchoicecard.com prior to implementing the change. If you have additional questions about this Policy, please contact us at support@retailchoicecard.com.

Tips to Protect Your Information

Retail Choice works hard to keep your information secure. You can help by following these tips to protect your information:

• Store personal information in a safe place and tear up or shred old receipts and account statements before throwing them away.
• Protect your Personal Identification Numbers (PINs) and other passwords. Do not share them with anyone unless it's for a service or transaction you request and you are confident the other party will protect the information as you would.
• Carry only the minimum amount of identifying information you require.
• Pay attention to billing cycles and statements. Inquire if you do not receive a bill.
• Check account statements carefully to ensure all charges, checks, or withdrawals are authorized.
• Guard your mail from theft. Do not leave bill payment envelopes in your mailbox with the flag up. Instead, deposit them in a post office collection box or at the local post office. Promptly remove incoming mail.
• Order copies of your credit report from each of the three major credit bureaus once a year to ensure they are accurate.
• If you believe you are a victim of identity theft take immediate action and keep records of your conversations and correspondence. While the steps you must take will vary with your individual circumstances, three basic actions are appropriate in almost every case:

• Contact the creditors for any accounts that have been tampered with or opened fraudulently.
• Contact the fraud departments of each of the three major credit bureaus:
  
  • Equifax: 1-800-525-6285 / P.O. Box 740241, Atlanta, GA 30374-024
  • Experian: 1-888-397-3742 /P.O. Box 9532, Allen, Texas 75013
  • Trans Union: 1-800-680-7289 / P.O. Box 6790, Fullerton, CA 92834
    
• File a report with your local police or the police in the community where the identity theft took place and get a copy of the police report.

From “ID Theft: When Bad Things Happen to Your Good Name”, Federal Trade Commission, November 2003