Optimum Payment Solutions, Inc. d/b/a Optimum Payments ("OPS") - Privacy PolicyYour privacy is very important to us. We want you to fully understand our privacy practices…so please review this Privacy Policy in total to learn about the ways we use and protect your personal information. We will not sell or rent your personal information to third parties for their marketing purposes without your explicit approval. The privacy practices of our Privacy Policy apply to the services available under the domain www.optimumpayments.com (the "Site"), and any sub-domains of the Site. By visiting the Site you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree with this policy, please do not use or access our Site. As part of the normal operation of our services, this Privacy Policy describes the information we collect from you and what may happen to that information. We have prepared a detailed policy because we believe you should know as much as possible about our practices so that you can make informed decisions about using the Site and our services. By accepting our Privacy Policy and any other agreement presented to you on the Site, you consent to our use and disclosure of your personal information in accordance with this Privacy Policy. This Privacy Policy is effective upon acceptance in registration for new users, and is otherwise effective on August 1, 2011 for all users. Collecting Information Overall, you can browse the Site without revealing any personal information about yourself or your business. However, once you do provide your personal information, you are no longer anonymous to us. If you choose to use our services, we may require you to provide contact and identity information, billing information and other personal information as indicated on the forms throughout the Site. Under some circumstances we may require some additional financial information as well. Where possible, we indicate which fields are required and which fields are optional. You always have the option of refusing to provide the requested information. For marketing purposes, we automatically track certain information based upon your behavior on the Site. We use this information to do internal research on our users' demographics, interests, and behavior to better understand, protect and serve our user’s needs. This information may include the URL that you just came from (whether this URL is on the Site or not), which URL you go to next (whether that URL is on the Site or not), your computer browser information and your IP address. We also use data collection devices such as "cookies" on certain pages of the Site to help analyze our web page flow, measure promotional effectiveness and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services to you more efficiently. We offer certain features that are only available through the use of "cookies" and cookies also allow you to enter your password less frequently during a session. You are always free to decline our cookies if your browser permits, although in that case you may not be able to use certain features on the Site and you may be required to reenter your password more frequently during a session. Additionally, you may encounter "cookies" or other similar devices on certain pages of the Site that are placed there by third parties. For example, if you view a web page created by a user, there may be a "cookie" placed within that web page. We do not control the use of cookies by third parties. If you send us personal correspondences, such as emails or letters, or if other users or third parties send us correspondences about your activities on the Site, we may collect such information into a file specific to you. Communications from the Site We communicate with users on a regular basis to provide requested services and with regards to issues relating to their account we reply via email or phone, in accordance with the user's requests. Sharing Information OPS shares Site usage information about users with reputable advertisers for the purpose of targeting our Internet banner advertisements on this Site and other sites. For example, we use cookies and clear GIFs on this Site, which allow advertisers to recognize a user's cookie when a user visits this Site. The information they collect and share through this technology is not personally identifiable. Other Corporate Entities: We share much of our data, including personal information about you, with our subsidiaries and joint ventures that are committed to serving you throughout the world. To the extent that these entities have access to your information, they will protect it in the same manner as they treat information they obtain directly from you or their other users. Our subsidiaries and joint ventures follow privacy practices no less protective of all users than our practices described herein to the extent allowable by applicable law. In the event OPS goes through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, users' personal information will, in most instances, be part of the assets transferred. Choice/Opt-out Upon our request for information, users are given the opportunity to 'opt-out' of having their personal information used for purposes not directly related to our Site. If the user does not opt-out at that point, the user may opt-out of having their information shared at any time thereafter by contacting us by written request via US postal or email or they can call our Customer Support department. Refer to contact information listed below. Links This Site also contains links to other sites. Please be aware that OPS is not responsible for the privacy practices of other sites. We encourage our users to be aware that when they leave our Site to read the Privacy Policy of each and every website that collects personally identifiable information. Security When our registration/order forms asks users to enter sensitive information (such as credit card number and/or social security number), that information is encrypted and is protected with the best encryption software in the industry – SSL. While on a secure page, such as our order form, the lock icon on the bottom of your Web browser, i.e. Netscape Navigator, Microsoft Explorer, etc., is in locked mode…as opposed to open or un-locked when users are just 'surfing'. In addition to using SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our users' information, not just the sensitive information, is restricted in our offices. Only employees who need the information to perform a specific job (for example, a customer service representative) are granted access to personally identifiable information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Lastly, all of our servers that store personally identifiable information are in a secure environment. Correcting/Updating/Deleting/Deactivating Personal Information Notification of Changes If, however, we are going to use users' personally identifiable information in a manner different from that stated at the time of collection we will notify users by posting a notice on our Site for 30 days. Contact Information Phone: (212) 279.2400 |