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Online Bill Pay Privacy Policy
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Privacy Policy Change
Please read and acknowledge our recently revised Privacy Policy.
PRIVACY POLICY (for Bill Presentment, Bill Payment, and ZashPaySM Personal
Payments Services)
Last updated May 26, 2010
1. Introduction. The following privacy disclosures are provided by (hereinafter "we" or "us") in connection with the
Bill Payment, Bill Presentment and ZashPaySM Personal Payments Services (the "Services") offered through our
online banking site (the "Site"), and describe the types of "Personal Information" (information that is identifiable
to a particular person) that we (directly or through our service providers) collect in connection with the Services,
and how we use, share and protect that Personal Information. These disclosures supplement the disclosures that
you have already been provided in connection with our Site and the other services offered through the Site. Some
of this information is required by U.S. federal law or other law. Please read this policy carefully to understand
what we do.
2. Eligibility. We do not knowingly offer the Services to nor collect any Personal Information from or about
individuals under 18 years of age. Please do not submit such information to us, and as a parent or legal guardian,
please do not allow your children to submit personal information without your permission. By using the Services,
you represent that you meet these requirements and that you agree to the terms of this Privacy Policy.
3. Terms of Use. For more details on what your rights and obligations are when using the Services, please also refer
to the Terms of Use and other notices and disclosures regarding the Services.
4. Cookies, Browser Information and Related Issues.
a. When you use the Services, we may receive certain standard information that
your browser sends to every website you visit, such as your IP address, browser
type and language, access times and referring website addresses, and other such
information. This data may be used, among other uses, to improve the operation
of the Services and to improve the security of the Services by assisting in
"authenticating" who you are when you access the Services.
b. We may also receive additional information about your visit to the portion of the
Site that hosts the Services, including the pages you view, the links you click and
other actions you take. This data may be used among other uses to improve the
operation of the Services and the portion of the Site that hosts the Services.
c. Like most websites, the portion of the Site that hosts the Services uses "cookies,"
which are small text files placed on your computer by the web server when you
visit. Most such cookies are "session" cookies that are only used for a specific
period during which you are using the Services, but a few are "persistent"
cookies that stay on your hard drive and are read by the web server when you
return. The portion of the Site that hosts the Services uses cookies to store your
preferences and other information on your computer in order to save you time by
eliminating the need to repeatedly enter the same information and to display your
personalized content on your later visits. Cookies cannot and will not be used to
deliver or run programs on your computer. Most web browsers automatically
accept cookies, but you can modify your browser setting to decline cookies if
you prefer. However, if you choose to decline cookies, you may not be able to
sign in or use other interactive features of the Services that depend on cookies.
5. What Types of Personal Information We May Collect. In addition to the types of information described in
section 4 above, we may also collect Personal Information about you. This information can include:
a. Social Security number, date of birth, name, postal address, email address,
telephone number, and other information that we can use to contact you, verify
your identity, and manage risks, such as information maintained about you by
identity verification services and consumer reporting agencies, including credit
bureaus;
b. names of billers for bills that you would like to view and/or pay online, contact
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information for those billers, and billing account information, including billing
account numbers;
c. name, email address and telephone number that you provide us for other persons
to whom you would like to send payments;
d. bank account information (including account numbers) for accounts that you
designate for funding or receiving payments, fees, debits and credits for the
Services;
e. credit card account information (including credit card number, expiration date
and billing address for the credit card), if you decide to make payments from
those accounts through the Services;
f. usemame, password, secret questions and secret answers for resetting passwords,
and other authentication credentialing used to verify that only authorized users
access the Services;
g. payment and other transaction information, payment information and other
transaction history for payments and other transactions in which you participate
through the Services; and
h. any Personal Information that you may enter in response to surveys or into
information blocks in the Services or the portion of the Site hosting the Services,
such as "personal message blocks".
6. How We May Collect Personal Information About You. We may collect Personal Information about you from
the following sources:
a. Enrollment applications, survey responses, and other electronic or paper forms
that you fill out in connection with the Services;
b. Your use of the Services (such as when you send a payment), and your
interactions with customer care, including information you enter or speak, and
information transmitted by your computer, cell phones and other devices you use
to connect to the Services; and
c. We also collect Personal Information about you from others, such as credit
bureaus, Affiliates or other companies (such as identity verification services and
consumer reporting agencies, and companies (such as your billers) that provide
content (such as electronic bills) to the Services.
7. How We May Share Personal Information About You. We share Personal Information about you only as
permitted by law. For Personal Information that is nonpublic and that we collect in connection with a financial
service, U.S. federal law permits us to share the information only:
a. for our everyday business purposes - such as to process your transactions,
maintain your accounts, respond to court orders and legal investigations, and
report to credit bureaus;
b. for our marketing purposes - to offer our products and services to you;
c. for Joint Marketing with other financial companies;
d. for our Affiliates' everyday business purposes (information about your
transactions and experiences);
e. for our Affiliates' everyday business purposes (information about your
creditworthiness);
f. for our Affiliates to market to you; and
g. for Nonaffiliates to market to you.
Before we can lawfully share such Personal Information as described in (e), (f) or (g), we would be required to
offer you an opportunity to opt out, and we will do so if we ever intend to do that. For California residents, we
will obtain your consent prior to sharing Personal Information as described in (g) unless otherwise required or
permitted by law. We may lawfully share such Personal Information as described in (a), (b), (c) and (d) without
offering an opt -out, and we may do so.
8. How We May Use Personal Information About You. We use Personal Information about you only as permitted
by law, including but not limited to the following purposes:
a. To complete transactions and render services authorized by you;
b. Other everyday business purposes of ourselves and our Affiliates, such as to
maintain your accounts, to authenticate you when you log in, to send you
information about the Services that you have subscribed to and other Services
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offered on the Site, to perform fraud screening, to verify your identity, to
determine your credit history, to report to credit bureaus, to perform collections,
to comply with laws, regulations, court orders and lawful instructions from
government agencies, to protect the personal safety of subscribers or the public,
to defend claims, to resolve disputes, to troubleshoot problems, to enforce our
Terms of Use, to protect our rights and property, and to customize, measure, and
improve the Services and the content and layout of the Site; and
for marketing purposes - to offer products and services to you.
9. Definitions.
a. Affiliates: Companies related by common ownership or control. They can be
financial or nonfinancial companies.
b. Nonaffiliates: Companies not related by common ownership or control. They can
be financial or nonfinancial companies.
c. Joint Marketing: A formal agreement between nonaffiliated financial companies
that together market financial products or services to you.
10. Access to Information About You. You may review and update the Personal Information maintained about you
in the section of the Site at any time to ensure that it is accurate and up-to-date.
11. How We Protect Personal Information About You. To protect Personal Information about you from
unauthorized access and use, we maintain physical, electronic, and procedural safeguards, including but not
limited to security measures that comply with applicable federal law. We also require our service providers and
business partners to whom we disclose the information to do the same.
12. Protection for Former Customers. When you are no longer our customer, we continue to protect, use, and share
Personal Information about you as described in this notice and as required by law.
13. Keeping Up to Date with Our Privacy Policy. We may amend this Policy at any time by posting a revised
version on the Site, which will be effective at the time it is posted unless a delayed effective date is expressly
stated in the revision.
14. Contacting Us. If you have any questions about this Privacy Policy, you may contact us at the postal address,
email address or telephone number below:
In writing: CheckFree Services Corporation
ATTN: Privacy Management
4411 East Jones Bridge Road
Norcross, GA 30092
E-mail: privacy@customercenter.net
Telephone number: 1-877-238-7277
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❑ I have been notified of the Privacy Policy. Effective Date 06/22/2010
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