Valet Bill Center Guaranteed Privacy

Privacy Pledge Information Collected Use of Information Information Security and Protection Correcting Your Information Opt-Out Policy Sharing of Information Notification of Changes Additional Information		Privacy Pledge The privacy and security of your personal information is the foremost consideration of the Valet Bill Center service. The Valet Bill Center is password-protected – similar to the Personal Identification Number (PIN) used at an automated teller machine. Unlike normal Internet communication, all information sent to and from the Valet Bill Center is encrypted and sent through a secure communications channel. Messages cannot be redirected, read, or tampered with. Valet Bill Center also takes advantage of the maximum level of security supported by your browser, including 128-bit RC4 encryption. Finally, Valet Bill Center does not sell any of your personal information – contact, financial, bill history – to any other company, period. Unlike many billers who routinely sell their customers to direct marketing organizations, Valet Bill Center keeps all subscriber lists confidential. Valet Bill Center is completely committed to safeguarding your personal information and protecting your privacy. Information collected by Valet Bill Center Valet Bill Center collects required information that is necessary to fully service your Valet Bill Center account, optional information that you provide through voluntary registration, and tracking information derived primarily by tallying page views on our site. By providing such information, we create a client profile and a secure, personalized User ID and password for you. This provides you with access to Valet Bill Center. Required Information [These links scroll page to relevant section] Optional Information Tracking Information Required Information Required information is the data that Valet Bill Center needs in order to create your Valet Bill Center account and fulfill our service commitment to you. This is collected on the Enrollment Form and the Payment Authorization Form. The online Enrollment Form collects the necessary contact information (your name, address, telephone number and email address) to service your account. Payee information is captured in your secure Valet Bill Center. The information collected allows us to pay those payees that you ask us to pay on your behalf from your account. We store the payee's name, payment address and phone number and your account number in our database. Bank information is captured through completion of the Payment Authorization Form. This form is sent to clients via U.S. mail for completion and signature. The completed form is returned to Valet Bill Center with a voided check for each account from which you would like to pay your bills. Your bank name and account number is stored in our database. Social Security numbers may be collected from clients to assist us when interceding on your behalf with your payees. Optional Information In addition to collecting required information, we collect a small amount of optional information from our clients and visitors. This information is used to tailor our account services to most effectively serve you, and to better understand the aggregate profile of our clients. This information may also be used in developing new services. This information is outlined below. Demographic Information Like any business interested in attracting and offering the highest quality of service to clients, Valet Bill Center gathers voluntary demographic information about our clients. Questions seek to gain insight on such things as how an individual became aware of our service, the client's gender, occupation and household income. This information is collected and stored with the client's individual Valet Bill Center account information. This information is kept completely private and confidential. It is aggregated with that of all other clients to provide us with the ability to tailor our services and content to those individuals most interested in our service. Linkage to individual clients is cut after Valet Bill Center anonymizes its data (see tracking information below). Client Solicited Contact Client comments and inquiries are collected and stored for each client that submits them. This represents one of the many ways that clients can contact us regarding any inquiries that they have with the Valet Bill Center service. This information is kept for 12 months so that we can review it to improve the quality of service we provide our clients. After this time, the data is purged from our database. Surveys Valet Bill Center occasionally conducts user surveys to better target our service offering to existing as well as new clients. We sometimes share aggregated demographic information in these surveys with business partners that offer complimentary offerings to the Valet Bill Center service. This information is summarized in aggregate, and information about specific individuals is never shared with any third party. Linkage to individual clients is cut after Valet Bill Center anonymizes its data. Contests and Sweepstakes and Member Incentive Programs Valet Bill Center occasionally offers sweepstakes, contests and member incentive programs to clients, visitors to the Valet Bill Center web site (mybillcenter.paytrust.com), the general public and individuals identified through direct mail lists. These offerings are promoted on the web site, through the online enrollment process, banner ads, direct mail, web content registration, and press releases. At a minimum, required information includes name and email address; in some cases, the user must answer mandatory survey questions about other personal data or enter a prize code. The information gathered in the entry form is used to verify the entrant's identity, to send the entrant an email notification that the entry has been received, and to contact winners and/or prize recipients. Because the rules and terms of each contest can vary, all information about each contest is clearly posted during the event. All contests and sweepstakes are conducted in full accordance with United States federal and state laws. Tracking Information Valet Bill Center's web server logs information in aggregate to get a better picture of where our visitors come from and to plan for future enhancements. The following information is logged and tracked: The URL, date and time of the page requested The version of the web browser being used, and the version and type of the visitor's operating system The visitor's IP address Valet Bill Center tracks traffic patterns throughout all pages of our site. This information is stored for a period of 12 months in the event such data is necessary in the course of a fraud investigation (see Use of Information below). Valet Bill Center "anonymizes" its server log files on a regular basis, summarizing information such as browser type and referrer, and the number of visits from other domains. Server information is consolidated, with links to data about individual users destroyed. Cookies To keep track of traffic on their servers, web sites often store a small data file on your hard disk when you visit them. This file is referred to as a cookie. A cookie file can contain user specific information, such as User ID, or it can be used to maintain a connection with you during your visit (so that you can visit pages of a site without retyping the same information over and over). Valet Bill Center uses cookies to track user traffic patterns (as described above), to maintain a connection during your visit with us, to track your user preferences, and to diagnose problems on our server and administer our site. Cookies enable you to enter all parts of the Valet Bill Center site, and are used to save your User Id on the login page (we encrypt the User ID for added security). In addition, cookie files help us assist you with questions about site navigation, functionality or performance. Use of Information This privacy pledge assures you that Valet Bill Center will never divulge any of your personal information – contact, financial, bill history – to any other organization unless: It is necessary to complete a transaction. It is necessary to verify the existence and condition of your deposit account. You give us your written permission. The disclosure is required by law or by legal process. Valet Bill Center suspects fraud by a client involving Valet Bill Center , in which case Valet Bill Center may investigate and report any evidence, including personally identifiable information, to law enforcement officials and to the courts in the course of seeking remedies at law and equity. You make an inquiry, request or complaint that requires follow-up, and we share your information with others to satisfy your inquiry (for example, if you ask us to contact one of your payees to resolve a disputed charge). The disclosure is otherwise permitted by law. In addition, Valet Bill Center may use your information to: Disclose summary information to strategic and business partners. This is obtained by combining data from many individuals (never less than 500, and typically thousands or more) with the name and other identifiers removed. Create aggregate reports on user demographics and traffic patterns. This information may be used to negotiate with service providers who complement the Valet Bill Center service or assist us in our efforts to expand our client base. Valet Bill Center uses any information voluntarily provided by our users to enhance their experience in our site, provide personalized content on the site, better prepare future content, enable participation in contests, and offer member incentive programs. By providing necessary contact, financial and payee information, Valet Bill Center creates a client profile and a secure User ID and password for you. These provide you with access to the Valet Bill Center web site, and help to ensure you the highest quality service in an efficient, cost effective and friendly manner. Valet Bill Center uses client personal information in the delivery and payment of your bills. We will use commercially reasonable efforts to follow the explicit instructions you indicate either through direct contact with us, or as provided through the Valet Bill Center web site. Information Security and Protection Valet Bill Center makes every effort to ensure the privacy and integrity of client information. Transmission of Client Data [Clicking on these links scrolls page down to relevant section] Internal Security Policies and Procedures Transmission of Client Data Your account information is kept confidential and secure via a unique User Identification number and password that is issued to you. Your User ID and password should be kept confidential because it is the key to access the information held by Valet Bill Center about you. If your PC is accessible to or by others, please logout of the Valet Bill Center site before you leave it. For your protection, you are automatically logged out Valet Bill Center if your browser session has been inactive for a period of time. In these cases you are asked to sign on again to Valet Bill Center . Security is also provided through your web browser, which supports 128-bit encryption with the SSL (Secure Sockets Layer) security protocol. When you visit the Valet Bill Center web site, your personal account information is encrypted when transmitted across the Internet, using the highest degree of security applicable. Valet Bill Center is a secure site, as outlined by the VeriSign seal of approval and trademark on our home page. Versign is one of the most trusted names in Internet security. If a site has a valid certificate from VeriSign, your connection with that site is secure. The certificate is a statement guaranteeing the security of the web site. A certificate contains information that a specific web site is authentic. This ensures that no other site can assume the identity of the original site. When you enter a secure web site, browsers typically display a dialog box to notify you that you are entering a secure web site, and display a security icon (for example, Internet Explorer displays a lock in the locked position) on the status bar. When you leave a secure web site, browsers typically display a dialog box to notify you that you are no longer on a secure web site and the security icon changes (Internet Explorer displays the lock icon in an unlocked position). Valet Bill Center will facilitate the payment of your bills both electronically and by paper check. While we will always encourage and work with any and all payees to initiate and settle all bills electronically, bill payment execution and settlement varies from payee to payee. Valet Bill Center uses a variety of standard industry procedures for making payments. The information practices of organizations that use the National Automated Clearing House Association (NACHA) vary, and Valet Bill Center does not control them, but considers the standard levels of privacy and security to be adequate. In the event that a payee wishes to receive payment by paper check, Valet Bill Center checks are drawn from your account and are sent U.S. first class mail to your payee. U.S. postal standards and safeguards apply to the delivery of these payments to your payee. Similarly, your bills can be received at Valet Bill Center in electronic form or by U.S. mail, depending upon payee preferences. Again, U.S. postal standards and safeguards apply to bill delivery. Valet Bill Center sends change of address forms, sent to inform payees that mutual client bills should be sent to Valet Bill Center , are also sent through U.S. mail. Valet Bill Center can send these forms on your behalf or you can contact your payee directly. Internal Security Policies and Procedures Valet Bill Center has instituted internal safeguards to reduce the likelihood of accidental disclosures and unintended access of client information (although it is impossible to eliminate this possibility completely). All employees, contractors and other companies engaged by Valet Bill Center are contractually required, through signed, internal privacy policies or non-disclosure agreements, to keep client information confidential and not to use it in any way other than what is necessary to perform their work for Valet Bill Center . Violations of these policies can result in termination in the case of employees, the severing of contractual obligations in the case of contractors and other companies, and in civil and criminal penalties if warranted and applicable by law. If you provide personal information during an interaction with our customer service representatives (for example, an email address or telephone number), we use it only for the purpose of customer service. Client requests for new or reset passwords are accommodated through the Valet Bill Center Customer Service Center. Upon request, Valet Bill Center Customer Service representatives can retrieve a client's password. Clients can reset their password at anytime by visiting the web site. Correcting Your Information Valet Bill Center only collects information that is relevant to the purposes stated in this privacy policy. We strive to keep all personal information accurate and complete. And, as a Valet Bill Center client, you are always fully in control of the information that we maintain to service you. You can change your personal information at any time and as often as necessary. You can also request that the data be deleted (requests for deletion of certain information may require closing the account). Information about a client may be withheld or exempted from deletion if this is required by law or is part of a fraud investigation, or as otherwise as described in the Use of Information section. Valet Bill Center will comply with all appropriate requests within a reasonable time, although most requests for access to personal information can be accomplished by visiting the web site (mybillcenter.paytrust.com) directly. Some requests may take us a few days to process, and the results may be delivered by email. You can change your personal information by: Visiting the Web site at mybillcenter.paytrust.com. Sign in to Valet Bill Center and click the Profile button. Then click the Personal Information link and edit your information as needed. Contacting customer support. Sending a request via US mail to the following postal address: Valet Bill Center P.O. Box 7235 Sioux Falls, SD 57117-7235 Attn: Authorizations Applicants who enroll in the Valet Bill Center service but do not activate their account by returning their Valet Bill Center Payment Authorization form after 12 months are deleted from our database. Data belonging to clients who terminate their relationship with Valet Bill Center will be destroyed or converted into anonymous form after 12 months. Opt-out Policy Clients can contact Valet Bill Center as described in the Correcting Your Information section to opt-out of any of our services, promotions or contests. Alternatively, users can opt not to provide certain personal information when enrolling for the Valet Bill Center service or when participating in some contests and surveys. Optional information for client enrollment and participation in contests is described in the Information Valet Bill Center Collects section. Sharing of Information In an effort to expand our client base, Valet Bill Center may disclose summary information, obtained by combining information from many clients, but with the name and other individual identifiers removed. Typically, aggregate reports disclose usage and traffic patterns to affiliates or business partners. We do not share information about individual users for marketing purposes with any third party, unless requested expressly by the client or as described in the Use of Information section. Valet Bill Center may offer its services through strategic relationships with other sites where such an offering makes sense for Valet Bill Center, its clients, and its partners. Valet Bill Center may be included in conjunction with, or integrated with, other online businesses and websites. In these cases, individual client information may be shared with strategic partners to support Valet Bill Center's service offering, assist in satisfying client inquiries, or fulfill client requests for service. Valet Bill Center opposes the emailing of any junk mail, and does not sell client information to email lists or telemarketers. If any of our related sites engage in such practices, for any reason, Valet Bill Center will immediately investigate, and if appropriate, discontinue services with such parties. If you receive junk email that mentions Valet Bill Center services, please send details to us at support@mybillcenter.paytrust.com and we will investigate promptly. Notification of Changes If Valet Bill Center changes this privacy policy, updates will be posted to the privacy statement and other places we deem appropriate. Information will be used in accordance with the privacy policy under which the information was collected. If users' personally identifiable information will be used in a manner different from that stated at the time of collection, we will notify users via email. Users will have a choice as to whether or not we use their information in this different manner. If users have opted out of all communication with the site, or deleted/deactivated their account, they will not be contacted, nor will their personal information be used in this new manner. In addition, if any material changes are made to the privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our Web site notifying users of the change. In some cases when a notice is posted, we will also email users who have opted to receive communications from Valet Bill Center . Additional Information If you become a client or are just visiting the site, you can be assured that we will use the information gathered here only for the purposes stated here, and only in accordance with this policy. If you have any questions regarding this policy statement, you may click here. to contact us. This privacy pledge and security policy is part of our contract with you. Thank you for choosing Valet Bill Center!