Paymenex™ mission is to continue to provide you with quality products and services, together with the peace of mind knowing that the confidentiality and security of your personal information is our top priority. Paymenex™ understand your concerns about protecting and securing the information about you and your account and we want to assure you that we have taken necessary and required steps, and will continue to take steps to safeguard that information.
1. What personal information do Paymenex™ collect?
It is important that Paymenex™ collect and maintain accurate personal information about you to serve you better and manage our business. We obtain this information from applications and other forms you submit to us, our Acquirers, Agents, Partners and other third parties that we work with either through manual or electronic communication.
We may obtain information such as your name, address, date and place of birth, biometric information about you, identification documents details such as international passport.
We may obtain information such as Account balances, payment history, your use of your card account and the types of services you prefer from your transactions with Paymenex™ or Paymenex™ partners.
We may obtain information such as the balances of your loans with other lenders and your payment history with others from consumer reporting agencies.
We may obtain information such as your Internet service provider, your e-mail address, your computer’s operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites.
2. Is my personal information shared with others?
Paymenex™ limit the sharing of information with others. We control the information used to make the offer from third parties, we do not share the list or any information about our customers with organisations. However, we may choose to send offers from our partners which we think may be interesting to some of our customers based on their preferences and characteristics, please understand that if you do receive this type of offer from us and choose to take advantage of it, the retailer may then learn information about you directly and all your further business dealings with this organisation is not at our approval or liability.
There are, however, circumstances in which we may share the information we collect about you, as described in Section 1, with other companies in order to provide you with access to products and services and to service your Card Account effectively, as detailed below. We require these companies to adhere to our privacy standards and to use this information only for the limited purpose for which it was shared. We do not allow them to disclose it to others without our prior approval.
a. Sharing Personal Information with Our Partners.
Our Partners may offer a variety of products and services that can help you manage your finances. In order to provide you with access to these products and services, we may share the information we collect about you, as described in Section 1, with such Partner,these partners include financial service providers that offer insurance and travel services, credit protection, card servicing and payment processing services.
b. Sharing Personal Information with Non-Affiliated Parties for Marketing Purposes
We may share the information we collect about you, as described in Section 1, with non-affiliated third parties, including those that accept the Paymenex™ Cards or D-Vouchers in order to provide you with access to products and services offered directly by these companies that may be of value to you. These companies include Paymenex members, financial service providers, such as insurance companies, and non-financial companies, such as retailers.
c. Sharing Personal Information with Others
We may share the information we collect about you, as described in Section 1, with companies that perform support or marketing services on our behalf, such as mailing, market research and data processing; other financial institutions with which we have joint marketing agreements, or companies that are our partners for cobrand Card programs or Reward programs. We may also share such information as permitted by law.
3. How Do We Protect the Confidentiality, Security and Integrity of Information about You?
We maintain physical, electronic and procedural safeguards to protect the information we collect about you. Access to such information is restricted to individuals who need it in order to service your account or provide products and services to you, and who are trained in the proper handling of such information. Employees who violate these confidentiality requirements are subject to our disciplinary process. It is important that the information we maintain about you is accurate and complete. If you see information elsewhere which suggests that our information is incomplete or inaccurate, please contact us so that we can update this information.
4. How Can You Limit Sharing of Information About You?
We respect your privacy and offer you choices as to whether we may share information about you with others. You have the option to tell us not to share the information we collect about you, as described in Section 1, with non - affiliated third parties. You also have the option to tell us not to share certain information we collect about you, as described in Section 1, with our partners. However, this option is limited to information about your eligibility and credibility as may be required to provide a Paymenex™ service to you. If you indicate a preference for either of these options, please understand that you may not receive offers for products and services provided by other Partners that could help you lower your costs, maximize your financial resources or manage your finances. To indicate your preferences, please contact us. If you have previously notified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences.Your written request should include your name, address, telephone number and card serial number(s) and should not be sent with any other correspondence. In order to process your request, we require that the request be provided by you directly and not through a third party. You will need to provide us with your preferences for each Paymenex™ card account you have.
You may notify us about your preferences at any time. Your request will remain in effect until you notify us otherwise. We will honor your request and not share this information except as permitted by law. For example, federal law permits us to share information about you with consumer reporting agencies, service providers and financial institutions with which we have joint marketing agreements. It also permits us to share information about our experiences and transactions with you, such as your account balance and payment history with our Partners.
Updated: April, 10th 2013
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