ChoicePay Privacy Policy

Our Commitment to Privacy

Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used.

In order to operate the ChoicePay Bill Payment service and to reduce the risk of fraud, e-Money Systems, Inc. dba ChoicePay ("ChoicePay" or "we" or "us") must ask you to provide us with information about yourself and your credit card and/or bank account. This Privacy Policy describes the personal information we collect and how we use that information. ChoicePay takes the privacy of your personal information very seriously and will use your personally identifiable information only in accordance with the terms of this Privacy Policy. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties under strict restrictions, so it is important for you to review this Policy. This Privacy Policy applies to all services that are offered through the choicepay.com web site.

By accepting this Privacy Policy and the ChoicePay Terms & Conditions, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the ChoicePay Terms & Conditions. The following discloses our web site information gathering and use practices and is limited to the protection and use of personal information collected by us in the online environment. Your access to and use of our web site are subject to this Privacy Policy and any other terms of use or policies posted by us. All references to "ChoicePay" throughout this policy statement include, unless otherwise stated, e-Money Systems, Inc., its successors and assigns.

What Kinds of Information Does ChoicePay Collect and Use?

The personally identifiable information we collect about visitors to our web site is provided voluntarily by you. In general, you can visit our website without telling us who you are or revealing any personal information about yourself. However, some portions of our website may be accessible only to users who have registered with us (and who may be asked to provide certain information as part of the registration or login process). When you register or access your account information or make a payment on-line, we collect information about you, your bill payment (including amount and designated payee), your credit or debit card or bank account numbers and other information about you that your provide to us at that time.

In addition, our web servers may use "cookies" (described below) to collect information about visitors such as domain names, but not your e-mail addresses. This information may be aggregated to measure such things as the number of visits, average time spent on the site, number of pages viewed, time and date of visits, and methods by which our site was found. ChoicePay uses such information to evaluate the use of our site and to continuously improve the content and services being provided.

At times we may ask you for contact information or conduct on-line surveys in order to better understand your needs so that we can provide you with a customized experience. If we wish to use this information other than as set forth in this Policy, we will let you know at the time of collection. When you access your account information, make a payment on-line, or send us e-mail, we may ask you to provide personally identifiable information to us. Except as otherwise provided below under the heading "How do we use your information?", when you supply information about yourself for a specific purpose, we use the information only for that purpose and to manage the internal operations and security of our web site.

How do we use your information?

Internal Uses

We collect, store and process your personally identifiable information on servers located in the United States. We use the information we collect about you in order to provide our services, process your transactions, and provide customer service. We provide access to personally identifiable information about our customers only to those employees who require it to provide our services, process customer payments and provide customer service.

Disclosure to Third Parties

ChoicePay does not sell or rent any of your personally identifiable information to affiliates or unaffiliated third parties. ChoicePay will not share any of your personally identifiable information with third parties except in the circumstances described below or with your permission.

We share personally identifiable information with third parties that help us process the transactions you request.
We disclose personally identifiable information with third parties that we in good faith believe is appropriate to cooperate in investigations of suspected fraud or other illegal activity, situations involving potential threats to the physical safety of any person, or to conduct investigations of violations of ChoicePay's Terms of Use, or as otherwise required by law.
Certain federal, state and local laws or government regulations may require us to disclose non-public personal information about you. In these circumstances, we will use reasonable efforts to disclose only the information required by law, subpoena or court order to be disclosed.
We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).
As with any other business, it is possible that in the future ChoicePay could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to personally identifiable information maintained by ChoicePay, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended.
As otherwise permitted by federal or state law.

ChoicePay may also disclose personally identifiable information to other financial service providers with which it has joint marketing agreements.

In no circumstance, will ChoicePay disclose customer bank account numbers, credit card numbers or access codes to third parties for telemarketing or direct marketing purposes.

Changes to Personally Identifiable Information

If your registration information changes, you may make changes using our Edit Profile page or by notifying us on the feedback form by clicking on "Contact Us" on this web site.

Cookies

Our site may make use of cookies (or a similar technology) to better manage our web site and to assist us in providing you with tailored information and services. A cookie is a tiny element of data that our web site can send to your browser, which is then stored on your hard drive so that we can do things such as better serve you as you navigate through our site or when you return. You may set your browser to notify you or decline the receipt of a cookie; however, certain features of our sites may not function properly or be available if your browser is configured to disable cookies.

E-Mail

ChoicePay's policy is not to disclose private e-mail communications that are transmitted using ChoicePay services except to respond, if directed to us, or as required to provide the service.

Children

ChoicePay recognizes the importance of children's safety and privacy on the Internet. For this reason and to comply with certain laws, we do not intentionally collect personal, individually identifiable information from children under the age of 13, nor do we offer content targeted to children under 13.

Security

ChoicePay maintains physical, electronic and procedural safeguards designed to protect the confidentiality of information provided by you at our website. For example, unique passwords are required to access your ChoicePay account online. In addition to requiring the use of a unique password, all payments processed through our Web site require personal transactional information provided by you to be sent in a "Secure Session" using Secure Socket Layer encryption technology. This technology encrypts - or scrambles - your financial or credit card account information to help prevent unauthorized parties from reading it. We take commercially reasonable steps to protect the personal information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially reasonable means to protect your personal information, we cannot guarantee its absolute security. When doing business with others, such as advertisers to whom you can link from our site, you should consider the separate security and privacy policies of those other sites.

If you have any questions about security on our website, please complete a feedback form on this website by clicking on the "Contact Us" link; e-mail us at security@choicepay.com or write us at: ChoicePay, Attn: Security Officer; 2448 E. 81st Street, Suite 3700, Tulsa, Oklahoma, 74137.

Links to Other Sites

For the convenience of our visitors and customers, this website may contain links to other sites. While we generally try to link only to sites that share similar high standards and respect for privacy, we are not responsible for the content, products or services offered or the privacy and security practices employed by these other sites. We encourage you to be aware when you leave our site and to read the privacy statements of each and every website that collects personally identifiable information.

This Privacy Policy applies only to information collected by this website.

How does ChoicePay Combat Phishing?

ChoicePay will not ask you to disclose personal information in an e-mail. Before you access your ChoicePay account online and are asked to disclose such information to us, you will be asked to enter your login name and password for authentication purposes. Our normal practice is to send you an email confirming significant changes made to your account online, such as updates to the email address registered with us, payments on an account, or new services added. We also send an e-mail receipt to you when you make a payment on our web site. ChoicePay observes the following security practices with regard to e-mails we send:

ChoicePay will not send links in e-mail messages for you to click. You must type www.choicepay.com into your browser to access the ChoicePay web site.
ChoicePay will never ask you in an e-mail message for your financial account information. You can protect yourself by regularly logging into your online account to ensure that all transactions are legitimate. Other tips on how you can protect yourself can be found at http://www.antiphishing.org/consumer_recs.html.

Revisions

We reserve the right to change or supplement this Privacy Policy at any time by posting the changes on this web site. By using this web site, you accept the terms and conditions of this Privacy Policy and you agree to review this Privacy Policy from time to time to stay informed of changes that may occur. This Privacy Policy also applies to personal information that we maintain on former customers.

Contact Us

If you have any questions regarding our privacy policy, please complete a feedback form on this website by clicking on the "Contact Us" link; e-mail us at privacy@choicepay.com or write us at: ChoicePay, Attn: Privacy Officer; 2448 E. 81st Street, Suite 3700, Tulsa, Oklahoma, 74137.