Privacy Policy

Privacy Policy C B Merchant Services (CBMS), has created this security and privacy statement in order to document and communicate its commitment to doing business with the highest ethical standards and appropriate internal controls. CBMS believes that maintaining the privacy and confidentiality of an individual’s personal information is important. This privacy policy describes the treatment of information provided or collected on the sites where this privacy policy is posted. It also explains the treatment of information provided or collected on applications we make available. We follow this privacy policy in accordance with local law in the State of California. The California Consumer Privacy Act provides for the right for consumers to request deletion of their information, subject to various exceptions. The information that CBMS maintains, generally falls within an exception and does not have to be deleted upon request. However, your request can be made by contacting CBMS at 1-800-399-2400 or by email to customercare@cbmerchantservices.com The California Consumer Privacy Act also provides for the right to opt out of the sale of your personal information. We do not sell personal information. The consumer has a right not to receive discriminatory treatment by us for the exercise of the privacy rights conferred by the California Consumer Privacy Act. A consumer can designate an authorized agent to make a request under the California Consumer Privacy Act. The consumer must provide either a power of attorney or written authorization. A consumer has the right to request that the business disclose the following: The categories of personal information we collect; The categories of sources the personal information is collected; The purpose for collecting the personal information; The categories of third parties with whom the business shares personal information; And The specific pieces of personal information we have collected, disclosed, or sold. What information do we collect? We typically collect the following categories of personal information about a consumer for debt collection purposes only: (a) health insurance information, which we obtain from the debtor’s creditor or the consumer, if we are collecting medical debt; (b) personal identifying information, like name, address and account number, as well as other identifying information, which we obtain from the consumer’s creditor, credit reports and other skip trace tools, and the consumer; (c) characteristics such as age, gender, etc., which we obtain from the consumer’s creditor and consumer’s credit report; (d) retail information, which we obtain from the consumer’s creditor and the consumer’s credit report; (e) internet activity regarding online payments, which we collect if the consumer visits our website or payment portal; (g) recordings, which are made when the consumer has a telephone conversation with us; (h) professional and employment related information, which we obtain from the consumer’s creditor, credit reporting agencies, and other skip trace sources; and educational information, which we obtain from the consumer’s creditor, credit reporting agencies, and other skip trace sources. (I) We collect information from you when you register on our site, subscribe to our newsletter, respond to a survey or fill out a form. When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address or phone number. You may, however, visit our site anonymously. We do not sell any personal information to third parties. We do disclose information to credit reporting agencies. What do we use your information for? Any of the information we collect from you may be used in one of the following ways: To personalize your experience (your information helps us to better respond to your individual needs and service your account) To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you) To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs) To communicate with you. The email address you provide may be used to send you information, respond to inquiries, and/or other requests or questions. How do we protect your information? We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information. Our site is protected with a variety of security measures such as change control procedures, passwords, and physical access controls. We also employ a variety of other mechanisms to ensure that data you provide is not lost, misused, or altered inappropriately. These controls include data confidentiality policies and regular database backups. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Database to be only accessed by those authorized with special access rights to our systems, and are required to keep the information confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers. Do we use cookies? Yes (Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information We sometimes use an Internet device called a cookie to store login or other information on your computer. A cookie is a small amount of information that a web site transfers to your computer’s hard drive. We use cookies to simplify your access and to tailor our services to your needs and interests. For some services, we offer users the choice of having an ID or password stored in a cookie so that you do not need to re-enter it when you return to the site. No other site can read a cookie set by C B Merchant Services, and we cannot read a cookie that another web site wrote to your computer. Most Internet browsers are set to accept cookies. We also use cookies to compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. Users can reset browsers to refuse cookies and still use our web site, although access may be slower and less convenient. If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly. However, you can still make requests over the telephone or by contacting customer service. Do we disclose any information to outside parties? We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses. When you disclose personal information to us, it may be used or disclosed in accordance with C B Merchant Services normal course of business. The only exception involves disclosure to the government according to normal business practice, for instance for the collection of taxes, and according to the orders of a court, for example responding to a subpoena or search warrant. Third party links Occasionally, at our discretion, we may include or offer third party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites. California Online Privacy Protection Act Compliance Because we value your privacy, we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent. As part of the California Online Privacy Protection Act, all users of our site may make any changes to their information at any time by logging into their control panel and going to the 'Edit Profile' page. Children’s Online Privacy Protection Act Compliance We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older. Covert Information Gathering – Our site does not covertly capture information regarding the specific activities of any particular user. Our site does, however, produce reports that permit us to view your activity on our site in anonymous or aggregated form. We do not use cookies, web bugs, or any other active content mechanism to capture or maintain information about users without their prior consent. The only personal information that we capture has been specifically submitted to us through the email information request function. We do not store any persistent information on your computer. This privacy policy applies to all information collected by C B Merchant Services, including information gathered via cbmerchantservices.com and paycbms.com Terms and Conditions Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at www.cbmerchantservices.com Your Consent Changes to our Privacy Policy If we decide to change our privacy policy, we will post those changes on this page. Contacting Us If there are any questions regarding this privacy policy you may contact us using the information below. C B Merchant Services 217 North San Joaquin Street Post Office Box 209 Stockton, CA 95201 or Email: customercare@cbmerchantservices.com Contact us (800) 399-2400 Refund Policy Refunds are given on a case by case basis. C B Merchant Services. ©2006. All rights reserved. All information found within this web site is copyright C B Merchant Services. All rights reserved C B Merchant Services and all other trademarks are the property of their respective owners.