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This is the Privacy Policy of One Paycheck at a Time, INC. ("One Paycheck at a Time," "we," "us," or "our"). This Privacy Policy addresses only our privacy practices with respect to information collected or submitted online via our One Paycheck at a Time website (our "website") and information collected in connection with your registration or subscription to any of the products and services we make available on this website from time to time, including features tools or resources (collectively, our "Online Products"). This policy explains how we collect, use and safeguard the personal information we collect or that you provide to us on our website or through the Online Products, and the choices you have concerning our use of such information. Please read this Privacy Policy carefully.
By using our website or any of our Online Products, you agree to the terms of this Privacy Policy. We may amend this Privacy Policy from time to time. The provisions of this Privacy Policy will apply to our former customers as well as our current customers. We will post any changes to this Privacy Policy here so that you will always know what information we gather, how we might use that information, and whether we will disclose that information to anyone. Please refer back to this Privacy Policy on a regular basis. Where required by law, we will also provide you with a notice by postal mail or email of any changes to this Privacy Policy.
This Privacy Policy was created in the United States and complies with local United States laws Users who are not resident to the United States should not submit their personal information to this site unless they agree that their personal information will be treated in accordance with United States laws and the terms of this Privacy Policy.
This Privacy Policy applies only to information collected by our website or that you enter as a registered user or subscriber to certain of our Online Products. We do not protect and are not responsible for the privacy of any information you reveal or post in any public forum (e.g., message board or chat room) or through the "Public Profile" feature available on our website. We are not responsible for the privacy practices of websites that are operated or owned by third parties.
If you have questions regarding this Privacy Policy, you should first contact our Privacy Coordinator at privacy@onepaycheckatatime.com.
WHAT INFORMATION ABOUT ME IS COLLECTED ON OUR WEBSITE OR THROUGH YOUR ONLINE PRODUCTS?
When you visit our website or purchase or use our Online Products, you may provide us with two types of information: personal information you knowingly choose to disclose to us, and site-use information collected about you as you browse and use our website and Online Products.
Personal Information
When you register on our website, subscribe to or use certain of our Online Products, or request information though our website or by email to us, you may be asked to enter personal information into forms or applications. For example, you may be asked to enter your name, address, email address, telephone number, billing and credit card information, or other personal information (i.e., your password). We may also collect information about your transactions with us, such as Online Products that you purchase or use, and payment history. When you register, subscribe, use or request information on this website or via email, we may collect the personal information that you provide in such communication.
You do not have to provide us with any personal information to visit our website. However, certain portions of this website, such as our money management tools, are available only to registered users or subscribers that choose to provide personal information about themselves.
website-Use Information
Like many other commercial websites, our website uses the following technologies to collect information about how our website is used
Cookies and Action Tags.
"Cookies" are small text files that are placed on your computer in order to identify (i) your web browser (ii) the activities of your computer on our website and (iii) your activity in connection with our advertisements and other marketing and promotional efforts. Cookies may be used to:
- personalize your experience on our website (e.g., to dynamically generate content on web pages specifically designed for you),
- assist you in using our Online Products (e.g., to save you time by not having to reenter your name upon each visit to our website), and
- allow us to statistically monitor how you are using our website for purposes of improving our online offerings.
We also may use cookies to conduct marketing and promotional efforts, tailor certain advertisements to your browser that we think may be of interest to you, or to determine the popularity of certain content.
In addition to cookies that we place on your computer, cookies may also be placed on your computer by third parties that we use to display or serve advertisements or to collect website use information in order to provide advertising-related services. In the course of serving advertisements, our third-party advertiser may place or recognize a unique "cookie" on your browser.
You do not have to accept cookies to use our website, however, you may not be able to use certain of our Online Products if you do not accept cookies. Although most browsers are initially set to accept cookies, you may reset your browser to notify you when you receive a cookie or to reject cookies generally. Most browsers offer instructions on how to do so in the "Help" section of the toolbar.
"Action tags," also known as web beacons or GIF tags, are an online technology used to help track anonymous website usage information, such as how many times a specific page has been viewed. Action tags are invisible to you, and any portion of our website, including advertisements, or e-mail sent on our behalf, may contain cookies that are associated with action tags that are located on our website. Unlike cookies, action tags are not placed on your computer.
By using cookies and action tags together, we are able to gain valuable information to improve our website and our Online Products and measure the effectiveness of our advertising and marketing campaigns.
Finally, please note that advertisers and other third parties may also use their own cookies or action tags when you click on their advertisement or link to their websites or services, on or from our website. This Privacy Policy does not govern the use by such third-party websites or providers of third-party advertising.
Log Files.
We also collect anonymous information through our Internet log files, which record data such as user IP addresses, browser types, domain names, and other anonymous statistical data involving the use of our website. This information may be used to analyze trends, to administer the website, to monitor our website's use, and to gather general demographic information. We may link this information to your personal information for these and other purposes such as personalizing your experience on our website and evaluating our Online Products in general.
Information from Other Sources
We may also supplement the information we collect with information from other sources, such as information about your transaction with others. We may receive such information through programs such as the referral programs described below. We may use this information to assist us in evaluating and improving our website and Online Products, determine your preferences so that we can tailor our website and Online Products to your needs, and/or to study money management and debt behavior questions in general.
Referral Programs.
Through third party referral program operators and others, we offer referral programs whereby referral websites can earn commissions through the referral of subscribers or other purchasers to our website. To track the earning of such commissions, and to determine the effectiveness of the referral programs, the users who become subscribers to our Online Products or purchasers through such referral websites are tracked using technologies that do not include personal information (such as cookies and/or action tags). Our program operators and the referral websites themselves can only access non-personal information such as data relating to the number of impressions served, the number of transactions completed, and their resulting earnings. They cannot access our customers' personal data.
If you choose to apply to be a referral website, we use the data you provide strictly for conducting business with you. We have entered into certain agreements with third party program operators for the purpose of administering our referral programs. Should you become a referral website of ours through one of our third party program operators, any information you provide to them is subject to their privacy policies.
Public Forums and the Public Profile Feature.
We feature public forums such as chat rooms, message boards, bulletin boards, or similar activities where you and other users of our website can communicate with one another. In addition, we offer the "Public Profile" feature of our website to permit you to share information about yourself (including, if you elect, personal information) with others. THIS PRIVACY POLICY DOES NOT PROTECT YOU WHEN YOU USE OUR PUBLIC FORUMS OR PROVIDE INFORMATION (INCLUDING PERSONAL INFORMATION ABOUT YOURSELF) THROUGH THE PUBLIC FORUMS OR PUBLIC PROFILE FEATURE AVAILABLE ON OUR WEBSITE. You should be aware that any information shared in a public forum such as a chat room, message board, bulletin board or through our Public Profile feature is public information and may be seen or collected by third parties that do not adhere to our Privacy Policy. You should think carefully before disclosing any information in any public forum, or through the Public Profile feature, on our website.
WHAT DO WE DO WITH THE INFORMATION WE COLLECT?
In general, we use the information collected on our website and through our Online Products to help us understand who uses our website and Online Products, how they are used, to personalize your experience, to assist you in using our Online Products, to improve our website and Online Products, and for subscription billing purposes, if applicable. If you become a registered user of our website or subscribe to one of our Online Products, we may use all of the information we collect about you to send you a welcoming email that may confirm your user name and password; or if you "opt-in," send you electronic newsletters, contact you about products or services we think may be of interest to you, send you information and news that may be of interest to you, and provide you with targeted feedback. If you no longer desire to receive these communications, we will provide you with an option to change your preferences. In addition, if you identify yourself to us by sending us an email with questions or comments, we may use your information (including personal information ) to respond to your questions or comments, and we may file your questions or comments for future reference. We may also use the information collected to send you important service announcements and updates regarding our website or Online Products or, if you are a subscriber, about your billing account status. You will not be able to unsubscribe from these service announcements and updates as they contain important information relevant to your use of our website and/or our Online Products.
We may also use the information gathered on our website and through our Online Products to perform statistical analysis of user behavior, to analyze and evaluate issues relating to financial matters and debt behavior, or to evaluate and improve our Online Products. We may link some of this information to personal information for internal purposes only or to assist you in your personal money management efforts.
DO WE COLLECT INFORMATION FROM CHILDREN UNDER 18 YEARS OF AGE?
Our website and Online Products are not designed for or directed to children under the age of 18. We do not collect personally information from any person we actually know is under the age of 18. We urge all parents or guardians to participate in their children's exploration of the Internet, and to teach their children about protecting their personal information while online.
WHEN DO WE DISCLOSE INFORMATION TO THIRD PARTIES?
We will not disclose any personal information we gather from you on our website, except as set forth in this Privacy Policy, as specifically agreed to by you, or as otherwise permitted or required by law.
Affiliates
We reserve the right to share all of the information we collect about you (including your personal information) with our affiliates. Where required by law, we will provide you with an opportunity to opt-out of such sharing.
Joint Marketing
We reserve the right to share all of the information we collect about you (including your personal information) with reputable companies that provide other financial products and services, such as financial planners, with whom we have joint marketing agreements. Where required by law, we will provide you with an opportunity to opt-out of such sharing.
Laws and Legal Rights
We may also disclose your information (including personal information) if we believe in good faith that we are required to do so in order to comply with an applicable statute, regulation, rule or law, a subpoena, a search warrant, a court or regulatory order, or other valid legal process. We may disclose personal information in special circumstances when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms & Conditions, or to protect the safety and/or security of our users, our website or the general public.
Third Parties Generally
We may provide to third parties information about you that does not allow you to be identified or contacted, including where such information is combined with similar information of other users of our website. For example, we might inform third parties regarding the number of unique users who visit our website, the demographic breakdown of the registered users of our website, or the activities that visitors to our website engage in while on our website. The third parties to which we may provide this information may include potential or actual advertisers, providers of advertising services (including website tracking services), commercial partners, sponsors, licensees, researchers and other similar parties.
Outside Contractors
We may employ independent contractors, vendors and suppliers (collectively, "Outside Contractors") to provide specific services and products related to our website or Online Products, such as hosting and maintaining our chat rooms, providing credit card processing and fraud screening, and developing applications for our website and e-mail services. These Outside Contractors may sometimes have limited access to information collected on our website, including your personal information, in the course of providing products or services to us. Access to your personal information by these contractors is limited to the information reasonably necessary in order for the Outside Contractors to perform their limited function for us. We also contractually require that these contractors (i) maintain procedures to protect the privacy of your personal information, and (ii) not use or disclose your personal information for any purpose other than providing us with products or services for which we contracted.
Third Party Sellers
In addition, through our website, you may be given the opportunity to purchase (or to obtain more information regarding) certain content, products or services which are sold through an unaffiliated person or company (collectively, "Third Party Sellers"). We will attempt to make it clear to you when you are dealing with a Third Party Seller by opening a new browser or otherwise notifying you that you are leaving our website. For example, if you see a phrase such as "powered by" or "brought to you by" followed by the name of a person or company other than One Paycheck at a Time, then you are likely on, or about to enter, a website hosted or operated by a person or company other than us. Third Party Sellers may request that you submit certain information to them in order to purchase their products or services or to obtain additional information from them. You do not need to submit this information or purchase any products or services from Third Party Sellers to access our website. By submitting the requested information, you affirmatively consent to have that information shared with the Third Party Seller. This information is used by the Third Party Seller and may be subject to a different privacy policy.
DOES THIS PRIVACY POLICY APPLY WHEN I LINK TO OTHER WEBSITES?
Our website contains links to other websites not owned or operated by One Paycheck at a Time (for example, if you "click" on a banner advertisement, you will likely be taken off our website). We will attempt to make it obvious to you when you leave our website and enter these websites by opening a new browser or otherwise notifying you that you are leaving our website. However, please be aware that we are not responsible for the privacy practices of such websites. We encourage you to be aware when our website links to other websites and to read the privacy policies or statements of each and every website. This Privacy Policy applies solely to information collected by our website.
HOW DO WE SECURE AND PROTECT THE INFORMATION WE COLLECT?
We know that security is a concern for our customers and we have developed and implemented administrative, technical and procedural safeguards to protect the confidentiality of your personal information and the security of our website.
To help ensure the integrity and privacy of personal information you provide to us via the Internet at the time you elect to become a registered user or subscribe to our Online Products, we use Secured Socket Layer (SSL) encryption technology in transmitting such Personally Identifiable Information over the Internet to our servers. We secure the personal information you provide on servers located in controlled, secure environments, protected from unauthorized access, use, or alteration.
Email that you sent to us may not be secure unless we advise you that security measures will be in place prior to your transmitting the information. For that reason, we ask that you do not send confidential information, such as account numbers to us through an unsecured email.
Only employees who need access to your information to perform a specific task or function are granted access to such information. In addition, all One Paycheck at a Time employees must abide by this Privacy Policy and are kept up-to-date on security practices.
Notwithstanding the above commitments to protect your information (including personal information) from loss, misuse or alteration by third parties, you should be aware that there is always some risk involved in transmitting information over the Internet. There is also some risk that others could find a way to thwart our security systems. As a result, while we strive to protect your information, we cannot ensure or warrant the security and privacy of any information you transmit to us, and you do so at your own risk.
CAN I UPDATE OR CORRECT MY PERSONALLY IDENTIFIABLE INFORMATION?
You may request access to all your personally identifiable information that we collect online and maintain in our database by accessing My Profile or by contacting our Privacy Coordinator via email at privacy@onepaycheckatatime.com. Your request will likely take 72 hours to process. Such updates, corrections, changes and deletions will not have an effect on other information that we maintain, or information that we have provided to third -parties in accordance with this Privacy Policy prior to such update, correction, change or deletion.
We may retain in our files information you have requested be removed from our databases in some circumstances, such as to resolve disputes, troubleshoot problems, enforce our Terms & Conditions, or are required by applicable law, rule or regulation. Further, such information is never completely removed from our databases due to technical constraints and the fact that we back up our systems. Therefore, you should not expect that all of your information will be completely removed fro our databases in response to your requests.
WHAT CHOICES DO I HAVE REGARDING THE COLLECTION, DISCLOSURE AND DISTRIBUTION OF PERSONALLY IDENTIFIABLE INFORMATION?
We will use your personal information only for the purposes described in this Privacy Policy, as authorized by you, or as otherwise permitted by law. If you no longer wish to receive communications from us via email or postal mail, you may change your preferences and "opt-out" of receiving communications by changing that option in the My Profile feature of our website, follow the directions provided in association with the communication, or by contacting our Privacy Coordinator at the address set out below
HOW WILL I KNOW IF THERE ARE ANY CHANGES TO THIS PRIVACY POLICY?
If we decide to change this Privacy Policy, we will post those changes on our website so you are always aware of what information we collect, how we use it, and under what circumstances, we disclose it. If required by applicable law, we will also notify you by mail of such changes, and you will have a choice as to whether or not we use your personal information in the new manner.
WHO DO I CONTACT IF I HAVE ANY PRIVACY QUESTIONS?
If you have any questions about our Privacy Policy or feel that we are not abiding by the terms of our posted Privacy Policy, please contact our Privacy Coordinator in any of the following ways:
Email our Privacy Coordinator at:
privacy@OnePaycheckataTime.com
Or, write to our Privacy Coordinator at:
Attn: Privacy Coordinator
One Paycheck at a Time, Inc.
17128 Westmill Lane
Charlotte, NC 28277
Phone: 704-839-1280
BY USING OUR WEBSITE, YOU SIGNIFY YOUR ACCEPTANCE OF THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, YOU SHOULD NOT USE OUR WEBSITE. YOUR CONTINUED USE OF OUR WEBSITE FOLLOWING THE POSTING OF CHANGES TO THIS PRIVACY POLICY WILL MEAN THAT YOU ACCEPT THOSE CHANGES.
Effective Date: September 25, 2005
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