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CNG Financial Corporation (en) - Política de Privacidad y Puerto Seguro 11-feb-2016 | 6%
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# Antigua Versión Nueva Versión
0 AXCESS FINANCIAL SERVICES, INC. PRIVACY POLICY AXCESS FINANCIAL SERVICES, INC. PRIVACY POLICY
1 EFFECTIVE: October 2015 EFFECTIVE: February 2016
2 Version 1.0 Version 1.2
3
4 This Privacy Policy ("Policy") applies to the use of the Axcess Financial Services, Inc. This Privacy Policy ("Policy") applies to the use of the Axcess Financial Services, Inc.
5 (the "Company") online sites and any Company affiliate or subsidiary sites. This Policy (the "Company") online sites and any Company affiliate or subsidiary sites. This Policy
6 describes how the Company may collect, share, and use personal information about you based on describes how the Company may collect, share, and use personal information about you based on
7 your interaction with our sites and the choices you make about how your information is collected your interaction with our sites and the choices you make about how your information is collected
8 and used. and used.
9
10 Please read this Policy carefully. Your continued use of our sites means that you understand and Please read this Policy carefully. Your continued use of our sites means that you understand and
11 consent to the terms of this Policy. consent to the terms of this Policy.
12
13 This Policy is intended to cover only our U.S. customers. If you access our online services or This Policy is intended to cover only our U.S. customers. If you access our online services or
14 visit our U.S. sites, your information may be transferred or processed in the United States. visit our U.S. sites, your information may be transferred or processed in the United States.
15
16 WHAT WE COLLECT WHAT WE COLLECT
17
18 Personal Information Personal Information
19
20 When you use the Company' online sites, we may collect and share your personal information When you use the Company' online sites, we may collect and share your personal information
21 that you provide via forms, applications, surveys, and other online fields. This information can that you provide via forms, applications, surveys, and other online fields. This information can
22 include: Name, address, and contact information; Social Security number and income information; Payment history and employment information; Financial account details and account balances; or Information from identification documentation, such as your driver's license, include: Name, address, and contact information; Social Security number and income information; Payment history and employment information; Financial account details and account balances; or Information from identification documentation, such as your driver's license,
23 passport, or utility bills. passport, or utility bills.
24
25 Non-Personal Information Non-Personal Information
26
27 In addition to the personal information that we may collect from you, we may also automatically In addition to the personal information that we may collect from you, we may also automatically
28 gather and store non-personal information about your visit including the IP address from which gather and store non-personal information about your visit including the IP address from which
29 you access our sites; browser information; computer operating system information; the date and you access our sites; browser information; computer operating system information; the date and
30 time you access our sites; the pages, files, and links you visit; and the web address from which time you access our sites; the pages, files, and links you visit; and the web address from which
31 you linked to our sites. you linked to our sites.
32
33 We may collect this information from the devices and networks that you use to visit our sites in We may collect this information from the devices and networks that you use to visit our sites in
34 order to help improve the services we provide. We may use this information to analyze trends, order to help improve the services we provide. We may use this information to analyze trends,
35 administer the site, track users' movements, and gather broad demographic information for administer the site, track users' movements, and gather broad demographic information for
36 aggregate use or for other business purposes. aggregate use or for other business purposes.
37
38 2 2
39 Cookies and Other Tracking Technology Cookies and Other Tracking Technology
40
41 Company uses cookies and other tracking technology, to monitor website performance. These Company uses cookies and other tracking technology, to monitor website performance. These
42 other tracking technologies may include some combination of web beacons, clear GIFs, or pixel other tracking technologies may include some combination of web beacons, clear GIFs, or pixel
43 tags. Cookies and other tracking technology allow us to collect information, such as your tags. Cookies and other tracking technology allow us to collect information, such as your
44 browser type, the time you spend on our sites, the pages you visited, your language preferences, browser type, the time you spend on our sites, the pages you visited, your language preferences,
45 and other anonymous visit data. We may use this information to improve the quality of our sites. and other anonymous visit data. We may use this information to improve the quality of our sites.
46
47 Company may also contract with third-party companies that use cookies, web beacons, clear Company may also contract with third-party companies that use cookies, web beacons, clear
48 GIFs, pixel tags, and other tracking technology for our sites' analytics and to advertise our GIFs, pixel tags, and other tracking technology for our sites' analytics and to advertise our
49 products and services on unaffiliated websites and mobile apps. With our approval, these products and services on unaffiliated websites and mobile apps. With our approval, these
50 companies will have access to your information as needed to perform their functions, but they companies will have access to your information as needed to perform their functions, but they
51 cannot use your information for any other purpose. These companies will not have access to cannot use your information for any other purpose. These companies will not have access to
52 information that can personally identify you. information that can personally identify you.
53
54 Most web browsers are initially set up to accept cookies. Many web browsers also allow you to Most web browsers are initially set up to accept cookies. Many web browsers also allow you to
55 refuse cookies, but doing so may degrade your experience on our sites. Please see the refuse cookies, but doing so may degrade your experience on our sites. Please see the
56 information about "Your Choices" below. information about "Your Choices" below.
57
58 Third-Party Analytics Third-Party Analytics
59
60 We have engaged Inspectlet and/or other parties to analyse the activities of visitors to this We have engaged Inspectlet and/or other parties to analyse the activities of visitors to this
61 website, and Inspectlet's authorized use of cookies and other tracking technologies enable it to website, and Inspectlet's authorized use of cookies and other tracking technologies enable it to
62 have access to Personal Information of visitors to this website. Such access to and use of have access to Personal Information of visitors to this website. Such access to and use of
63 Personal Information by Inspectlet is governed by Inspectlet's Privacy Policy Personal Information by Inspectlet is governed by Inspectlet's Privacy Policy
64 https://www.inspectlet.com/legal. https://www.inspectlet.com/legal#privacy.
65
66 HOW WE USE YOUR INFORMATION HOW WE USE YOUR INFORMATION
67
68 The information we collect is used to increase your service and experience on our sites. We may The information we collect is used to increase your service and experience on our sites. We may
69 use your information for everyday business purposes including: to process your requests, use your information for everyday business purposes including: to process your requests,
70 transactions, applications, and inquiries; to verify your identity; to allow access to your online transactions, applications, and inquiries; to verify your identity; to allow access to your online
71 accounts; to recognize you when you return to our sites; to prevent fraud and increase security of accounts; to recognize you when you return to our sites; to prevent fraud and increase security of
72 our online services; and to comply with applicable legal requirements. our online services; and to comply with applicable legal requirements.
73
74 We reserve the right to contact you regarding changes to this Policy or any other policies or We reserve the right to contact you regarding changes to this Policy or any other policies or
75 agreements relevant to your use of our sites. agreements relevant to your use of our sites.
76
77 HOW WE SHARE YOUR INFORMATION HOW WE SHARE YOUR INFORMATION
78
79 Company may share your information with our service providers, affiliates, and other third Company may share your information with our service providers, affiliates, and other third
80 parties. parties.
81
82 With regard to Social Security Numbers ("SSNs"), the Company takes all reasonable steps to With regard to Social Security Numbers ("SSNs"), the Company takes all reasonable steps to
83 protect the confidentiality of SSNs, prohibit unlawful disclosure of SSNs and limit access to protect the confidentiality of SSNs, prohibit unlawful disclosure of SSNs and limit access to
84 SSNs. SSNs.
85 3 3
86
87 Service Providers, Affiliates, or Joint Marketers Service Providers, Affiliates, or Joint Marketers
88 We may disclose certain personal and non-personal information we collect from your use of our We may disclose certain personal and non-personal information we collect from your use of our
89 sites to companies that perform services on our behalf, including those who assist us in sites to companies that perform services on our behalf, including those who assist us in
90 processing transactions, preparing, and mailing statements (if applicable), and responding to user processing transactions, preparing, and mailing statements (if applicable), and responding to user
91 inquiries. In addition, we may disclose that information to service providers that perform inquiries. In addition, we may disclose that information to service providers that perform
92 marketing services for us and to financial institutions outside our corporate family with whom marketing services for us and to financial institutions outside our corporate family with whom
93 we have joint marketing agreements. We further reserve the right to share, rent, sell, or we have joint marketing agreements. We further reserve the right to share, rent, sell, or
94 otherwise disclose the information we collect with affiliates and third parties for direct marketing otherwise disclose the information we collect with affiliates and third parties for direct marketing
95 purposes. purposes.
96 Non-Affiliated Third Parties Non-Affiliated Third Parties
97 We may disclose certain non-personal information we collect from your use of our sites to third We may disclose certain non-personal information we collect from your use of our sites to third
98 parties outside our corporate family ("Non-Affiliated Third Parties"). Non-Affiliated Third parties outside our corporate family ("Non-Affiliated Third Parties"). Non-Affiliated Third
99 Parties may include financial service providers (such as banks or other lenders), nonfinancial Parties may include financial service providers (such as banks or other lenders), nonfinancial
100 companies (such as publishers, retailers, and direct marketers), and others. We may disclose companies (such as publishers, retailers, and direct marketers), and others. We may disclose
101 your personal information to trusted third parties who assist us in operating our website, your personal information to trusted third parties who assist us in operating our website,
102 processing transactions, conducting our business, or servicing you, so long as these parties agree processing transactions, conducting our business, or servicing you, so long as these parties agree
103 to keep this information confidential, consistent with this Policy. We may also disclose to keep this information confidential, consistent with this Policy. We may also disclose
104 information about you to Non-Affiliated Third Parties as permitted by law, such as to comply information about you to Non-Affiliated Third Parties as permitted by law, such as to comply
105 with a subpoena, respond to inquiries from government authorities, or defend legal actions. with a subpoena, respond to inquiries from government authorities, or defend legal actions.
106 YOUR CHOICES YOUR CHOICES
107
108 Do Not Track Do Not Track
109
110 Some web browsers may allow you to transmit "do-not-track" or similar signals to the websites Some web browsers may allow you to transmit "do-not-track" or similar signals to the websites
111 that you visit. Our website does not respond to web browsers' do-not-track signals. that you visit. Our website does not respond to web browsers' do-not-track signals.
112 First Party Cookies First Party Cookies
113
114 We use Google Analytics, CrazyEgg and Optimizely to collect information about your use of our We use Google Analytics, CrazyEgg and Optimizely to collect information about your use of our
115 site. These analytics services store information about what pages you visit, how long you are on site. These analytics services store information about what pages you visit, how long you are on
116 the site, how you got here, and what links you visited. This data is not tied to any personal the site, how you got here, and what links you visited. This data is not tied to any personal
117 information about you. information about you.
118
119 To opt-out of this tracking, please use these link: To opt-out of this tracking, please use these link:
120 https://tools.google.com/dlpage/gaoptout https://tools.google.com/dlpage/gaoptout
121 https://www.crazyegg.com/opt-out https://www.crazyegg.com/opt-out
122 http://www.checkngo.com/?optimizely_opt_out=true. http://www.checkngo.com/?optimizely_opt_out=true.
123
124 4 4
125 Third Party Cookies Third Party Cookies
126
127 You can control how your browser accepts these cookies. Please follow the instructions in the You can control how your browser accepts these cookies. Please follow the instructions in the
128 following link: http://www.aboutcookies.org/default.aspx?page=1. following link: http://www.aboutcookies.org/default.aspx?page=1.
129
130 Company may use non-personal information we collect as described above to assist advertising Company may use non-personal information we collect as described above to assist advertising
131 companies in selecting which of our advertisements and offers may appeal to you. If you prefer companies in selecting which of our advertisements and offers may appeal to you. If you prefer
132 not to receive targeted or retargeted advertising based on your use of our sites, you can opt out at not to receive targeted or retargeted advertising based on your use of our sites, you can opt out at
133 the following addresses: the following addresses:
134 http://optout.conversantmedia.com http://optout.conversantmedia.com
135 http://assets.invitemedia.com/opt-out.html http://assets.invitemedia.com/opt-out.html
136 http://ib.adnxs.com/optout http://ib.adnxs.com/optout
137 http://www.optoutprescreen.com http://www.optoutprescreen.com
138 http://assets.invitemedia.com/opt-out.html http://assets.invitemedia.com/opt-out.html
139 https://www.dataxu.com/about-us/privacy/data-collection-platform/. https://www.dataxu.com/about-us/privacy/data-collection-platform/.
140
141 LINKS TO OTHER WEBSITES LINKS TO OTHER WEBSITES
142
143 We may provide links to third-party websites from within our sites for your convenience. This We may provide links to third-party websites from within our sites for your convenience. This
144 Policy applies solely to our sites on the www.Axcess-financial.com domain. Policy applies solely to our sites on the www.Axcess-financial.com domain.
145
146 Please be aware that we are not responsible for the privacy practices of other sites. We Please be aware that we are not responsible for the privacy practices of other sites. We
147 encourage you to be aware when leaving our sites of the privacy policies and the terms and encourage you to be aware when leaving our sites of the privacy policies and the terms and
148 conditions that apply when you visit other sites that may collect your information. conditions that apply when you visit other sites that may collect your information.
149
150 SECURITY SECURITY
151
152 Company uses security measures consistent with industry standards to protect your information Company uses security measures consistent with industry standards to protect your information
153 collected through our sites. These measures include technical, procedural, monitoring, and collected through our sites. These measures include technical, procedural, monitoring, and
154 tracking safeguards to protect your information from misuse, unauthorized access or disclosure, tracking safeguards to protect your information from misuse, unauthorized access or disclosure,
155 loss, alteration, or destruction. Please keep in mind that no data transmission over the Internet is loss, alteration, or destruction. Please keep in mind that no data transmission over the Internet is
156 ever 100% secure, and any information that you transmit to us is done at your own risk. ever 100% secure, and any information that you transmit to us is done at your own risk.
157
158 CHILDREN'S PRIVACY CHILDREN'S PRIVACY
159
160 Company does not knowingly contact or collect personal information from children under 13 Company does not knowingly contact or collect personal information from children under 13
161 years. Company' sites are not designed or directed to solicit information of any kind from years. Company' sites are not designed or directed to solicit information of any kind from
162 children under 13 years. children under 13 years.
163 EU SAFE HARBOR
164
165 CNG Financial Corporation, Axcess Financial Services, Inc., and all affiliates, comply with the
166 U.S.-EU Safe Harbor Framework as set forth by the U.S. Department of Commerce regarding
167 the collection, use, and retention of personal information from European Union member
168 countries. CNG Financial Corporation has certified that it adheres to the Safe Harbor Privacy
169 Principles of notice, choice, onward transfer, security, data integrity, access, and enforcement.
170 5
171 To learn more about the Safe Harbor program, and to view our certification, please visit:
172 http://www.export.gov/safeharbor.
173 COMPLAINTS AND CORRECTIONS COMPLAINTS AND CORRECTIONS
174
175 If you have any questions about this Policy or if you have a complaint with regard to the use of If you have any questions about this Policy or if you have a complaint with regard to the use of
176 your personal information, you may reach us at generalcomplaints@axcess-financial.com. your personal information, you may reach us at generalcomplaints@axcess-financial.com.
177
178 For any residents of the United Kingdom, customers of Cheque Centres or customers of Cash Generator with an unresolved complaint with regard to Safe Harbor commitments or the use of personal information collected in the United Kingdom, you also may contact the Information For any residents of the United Kingdom, customers of Cheque Centres or customers of Cash Generator with an unresolved complaint with regard to Safe Harbor commitments or the use of 5 personal information collected in the United Kingdom, you also may contact the Information
179 Commissioner's Office (ICO) at: https://ico.org.uk/concerns/ if we are not able to resolve your Commissioner's Office (ICO) at: https://ico.org.uk/concerns/ if we are not able to resolve your
180 complaint. complaint.
181
182 POLICY UPDATES POLICY UPDATES
183
184 This Policy is effective as of October 2015. We will notify you of any changes to this Policy by This Policy is effective as of October 2015. We will notify you of any changes to this Policy by
185 posting a notice on our homepage. Any changes will be effective as soon as they are published posting a notice on our homepage. Any changes will be effective as soon as they are published
186 on our sites. on our sites.