The Digital Disbursements Payment Service is provided by CheckFreePay Corporation and CheckFreePay Corporation of New York, each a wholly owned subsidiary of Fiserv, Inc.
4. Cookies, Browser Information and Related Issues.
a. When you visit the Site, we may receive certain standard information that your browser sends to every website you visit, such as the originating 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 Site and to improve the security of the Site and Service by assisting in “authenticating” who you are when you access the Site or Service, particularly if you register for the Service and are issued or create a username and password. We may also receive additional technical data about the device being used to access the Site (“Device Data”) (such as device IDs, device models, operating system version, application types and versions, browser type, language, and plug-ins, originating IP address, and time zone and geolocation information). Device Data may be used as part of Fiserv’s security controls to uniquely identify the device, authenticate the user when accessing the Site, and shared (along with information about any fraudulent transactions using the device) with one or more third party service providers, which will compare and add the Device Data and fraud data to a database of similar device and fraud information in order to identify and block access to the Site by devices associated with fraudulent or abusive activity. We will not share with service providers any information that personally identifies the user of the device.
b. We may also receive additional information about your visit to the Site, including the pages you view, the links you click and other actions you take in connection with the Site and the Service. This data may be used, among other uses, to improve the operation of the Site and the Service.
d. You may encounter our cookies or pixel tags on websites that we do not control. For example, if you view a web page created by a third party or use an application developed by a third party, there may be a cookie or pixel tag placed by the web page or application.
e. Web beacons: Our Web pages contain electronic images known as Web beacons (sometimes called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our site is used and may be used in some of our emails to let us know which emails and links have been opened by recipients. This allows us to gauge the effectiveness of our customer communications and marketing campaigns.
h. Tracking: With respect to personally identifiable information about an individual consumer’s online activities over time and across different Web sites or online services when a consumer uses this Site, except as required by law: (1) parties other than the operator of this Site are not permitted to collect such information, and (2) the operator of this Site does not collect such information (except any such information that is reasonably necessary to process and document user transactions, such as payment history). Therefore, this Site has no need to respond and does not respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of such information.
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 may 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. bank account information (checking, money market or other direct deposit account, credit card account, or debit card account, including any required routing information), including account numbers and transaction history, for accounts that you designate for sending or receiving payments, fees, debits and credits for the Service;
c. name, email address and telephone number that you provide us for other persons to whom you would like to send payments;
d. username, password, secret questions and secret answers for resetting passwords, and other authentication credentialing used to verify that only authorized users access the Service;
e. payment and other transaction information; and
f. any Personal Information that you may enter in response to surveys or into information blocks on the Site 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 Service;
b. Your use of the Site and the Service (such as when you initiate a Payment Instruction), 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 Site or the Service; and
c. We also collect Personal Information about you from others, such as individuals and financial institutions using the Service, credit bureaus, Affiliates or other companies (such as identity verification services and consumer reporting agencies).
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 for the purposes shown in the following table:
|Reasons we can share your Personal Information||Does CheckFree Pay share?||Can you limit this sharing?|
|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||Yes||No|
For our marketing purposes – to offer our products and services to you;
For Joint Marketing with other financial companies;
|No||We Do Not Share|
For our Affiliates’ everyday business purposes (information about your transactions and experiences);
For our Affiliates’ everyday business purposes (information about your creditworthiness);
|No||We Do Not Share|
For our Affiliates to market to you;
|No||We Do Not Share|
For Nonaffiliates to market to you
|No||We Do Not Share|
In order to process your transactions, we may share a small amount of Personal Information about you to an entity identified in your Payment Instructions, including your name, email address, telephone number and anything you type into the “message” field.
We may share certain Personal Information about you (including with a third party service providers, which will compare and add the Device Data and fraud data to a database of similar device and fraud information in order to identify and block access to the Site by devices associated with fraudulent or abusive activity. We will not share with service providers any information that personally identifies the user of the device.
Identity and Location Verification: You authorize CheckFreePay to share your mobile subscriber details with a third party provider which will request your mobile carrier to use your mobile subscriber details for verifying your identity. Those details may include name, billing address, email, and phone number. This information may also include location information, if available.
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;
c. For marketing purposes – to offer products and services to you, although you may opt-out of receiving commercial email marketing messages from us by following the opt-out processes described in those messages.
9. Other Important Information.
Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our Affiliates, unless the law allows. We will not share information about your creditworthiness with our Affiliates except with your consent, but we may share information about our transactions or experiences with you with our Affiliates without your consent.
Under California law, we will not share information we collect about you with Nonaffiliates, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our Affiliates to the extent required by California law.
a. Affiliates: Companies related by common ownership or control. They can be financial or nonfinancial companies. Our Affiliates include members of the Fiserv, Inc. corporate family including, CashEdge, Inc. and Fiserv Solutions, Inc.
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.
11. Access to Information About You. You may review and update the Personal Information maintained about you in the “Settings” section of the Site at any time to ensure that it is accurate and up-to-date.
12. 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 and state laws. We also require our service providers and business partners to whom we disclose the information to do the same.
14. Protection for Former Customers. When you are no longer our customer or using the Service, we continue to protect, use, and share Personal Information about you as described in this notice and as required by law, including but not limited to for risk management, regulatory compliance, and audit purposes.
15. Links to Other Web Sites. Our Site includes links to other Web sites whose privacy practices may differ from ours. If you submit Personal Information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.
In writing: CheckFreePay Corporation
ATTN: Privacy Management
2900 Westside Parkway
Alpharetta, GA 30004