CUSTOMER PRIVACY STATEMENT
Date of original issue: February 6, 2010.
OUR COMMITMENT TO PRIVACY.
Payment-Tracker.com is committed to controlling the collection, use and disclosure of the personal information provided by its customers.
Payment-Tracker.com has adopted this policy to ensure the accuracy, confidentiality and integrity of your personal information.
A SINGLE POLICY.
WHAT IS PERSONAL INFORMATION?
"Personal information" is personally identifiable information such as your name, residential address and e-mail address and includes information about your product and service purchases and usage, credit information and billing records, service and recorded complaints.
Personal information is collected by Payment-Tracker.com only when you specifically and knowingly choose to provide it us such as registering for a Payment-Tracker.com product or service, enter a Payment-Tracker.com promotion or choose to receive information, products or services from Payment-Tracker.com. We may also receive personal information from our business partners and other third parties provided that such third parties confirm to us that they have obtained your consent to the disclosure of your personal information.
Publicly available information, such as a public directory listing of your name, address, telephone number and electronic address, is not considered personal information.
COLLECTION AND USE OF PERSONAL INFORMATION.
Payment-Tracker.com collect and use your personal information primarily for the purpose of providing you with the products and services you have requested from us, including the use of online and downloaded software or tools, or a purchase of products or services.
Your personal information is used to communicate with you about your account and to provide you with information related to other Payment-Tracker.com products and services. If you indicated that you were interested in receiving offers or information from selected Payment-Tracker.com sponsors or advertisers, your personal information would also be used to contact you or to send you e-mail materials and other mailings about products and services that might be of interest to you. You always have the option, however, to tell us not to share your personal information with Payment-Tracker.com' partners or to exclude you from offers for other products or services.
If you enter a contest or other promotion offered by Payment-Tracker.com or on a Payment-Tracker.com website, your personal information will be used to administer the promotion, including the use of your name and selected other information for the purposes of contacting, announcing and promoting the winners of the promotion.
Payment-Tracker.com may also contact you from time to time to conduct market research and surveys in an effort to continually improve our product and service offerings.
Unless you specifically authorize us to release your personal information, or release is required or permitted by law, Payment-Tracker.com will not sell, lease or trade your personal information to other third parties.
Anonymous or "non-personal" information gathered by Payment-Tracker.com through our websites may be used for technical, research and analytical purposes. Information collected through online tools or utilities, surveys, existing files and public archives may be used by Payment-Tracker.com to analyze their markets and to develop or enhance service offerings.
Payment-Tracker.com Companies will only ask for information about you that we need and will only ask for it when we need it. When we ask you for the information, we will explain to you why we need it and what we are going to do with it.
We will seek your prior consent to the collection, use and disclosure of the information as required by applicable privacy legislation. Subject to legal and contractual requirements, you can refuse to consent to our collection, use or disclosure of information about you. You may also withdraw your consent to any further collection, use or disclosure of information about you at any time by giving us reasonable notice. If our intended disclosures or uses of information change, we will notify you accordingly.
Your personal information will not be used for any other purpose without your consent.
To enable us to more efficiently provide the products and services you have requested from us, Payment-Tracker.com may share your personal information with selected third parties who are acting on our behalf as our agents, suppliers or service providers. Such third party service providers are provided only with such information as is necessary in the circumstances (i.e. your requirements and contact information is provided to a contracted service provider for the purpose of provided a service to you). Information provided to third parties may be used only for the purpose stipulated and is subject to strict terms of confidentiality.
Payment-Tracker.com use a browser feature called a "cookie" to collect information and track user patterns on Payment-Tracker.com websites. A cookie is a small text file that is placed on your hard disk by a website. "Cookies" contain a unique identification number or user identifier that identifies you to our computers each time you visit one of our websites. Cookies tell us which pages of our websites are visited and by how many people and allow us to customize how we deliver our services to you to provide you with an enhanced experience with our website.
Payment-Tracker.com Companies will try to ensure that information about you is accurate, complete and up-to-date. However, please inform the Payment-Tracker.com Company to whom you provided your information of any change of name, address or other information. In the event you have questions about the accuracy of factual information we have collected about you, you will have access to that information in order to verify and update it. If we have disclosed inaccurate information about you to a third party, we will be pleased to contact the third party in order to correct the information.
If you have any questions about the collection, use or disclosure of your personal information by Payment-Tracker.com, or if you simply want to know whether we have any of your personal information on file, you may contact your local Privacy Compliance Officer. Except in limited circumstances, as specifically provided by applicable privacy legislation, Payment-Tracker.com can tell you whether they hold personal information about you. They can tell you the source of the information, allow you access to your personal information and find an account of the use that has been made or is being made of the information and the third parties to which it has been disclosed.
Payment-Tracker.com will only refuse access to information about you in those circumstances permitted or required by applicable privacy legislation. If a Payment-Tracker.com Company refuses access to you, it will provide you with the reasons for its refusal upon request. Exceptions may include information that contains references to other individuals, information that cannot be disclosed for legal, security or commercial proprietary reasons, and information that is subject to solicitor-client or litigation privilege. Payment-Tracker.com will respond to your requests for access in accordance with applicable privacy legislation.
QUESTIONS OR CONCERNS.
Payment-Tracker.com has procedures in place to receive and respond to complaints or inquiries about its handling of personal information. They will describe the complaint procedures to anyone who makes inquiries or lodges complaints.
If you are not satisfied with the response from your local Privacy Compliance Officer after making a complaint, you may have recourse to additional remedies under applicable privacy legislation. For further information, please contact the federal Privacy Commissioner or your provincial Privacy Commissioner, as applicable. Contact information is available on our website or by contacting us through our "Contact Us" page.
TEN PRINCIPLES OF FAIR INFORMATION PRACTICES.
PRINCIPLE 2 - IDENTIFYING PURPOSE.Payment-Tracker.com will identify the purpose for which personal information is collected at or before the time the information is collected. The purposes for which information is collected, used or disclosed by Payment-Tracker.com must be those that a reasonable person would consider are appropriate in the circumstances.
PRINCIPLE 3 - CONSENT. The knowledge and consent of the individual are required for the collection, use or disclosure of personal information, except where consent is not required by privacy legislation as, for example, where the collection, use or disclosure of personal information is solely for journalistic, artistic or literary purposes.
PRINCIPLE 4 - LIMITING COLLECTION. Payment-Tracker.com shall limit the collection of personal information to that which is necessary for the purposes identified by the company. Personal information shall be collected by fair and lawful means.
PRINCIPLE 5 - LIMITING USE, DISCLOSURE AND RETENTION. Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of the purposes for which it was collected.
PRINCIPLE 6 - ACCURACY. Personal information shall be as accurate, complete and up-to-date as is necessary for the purposes for which it is to be used.
PRINCIPLE 7 - SAFEGUARDS. Personal information shall be protected by security safeguards appropriate to the sensitivity of the information.
PRINCIPLE 8 - OPENNESS. Payment-Tracker.com shall make readily available to its customers and employees specific information about its policies and practices relating to the management of personal information.
PRINCIPLE 9 - INDIVIDUAL ACCESS. Upon request, an individual shall be informed of the existence, use and disclosure of his or her personal information and shall be given access to that information except where Payment-Tracker.com is permitted or required by law not to disclose personal information to the individual customer or employee. An individual customer or employee shall be able to challenge the accuracy and completeness of the information disclosed to him or her and have it amended as appropriate.