[Last updated on January 21, 2008]

This privacy statement covers the domain PAYBYCASH.COM. This statement demonstrates our commitment to our users' privacy. This statement covers the following topics, generally considered the most sensitive to users concerned about their privacy:

1. What personally identifiable information Internet Payment Solutions collects.
2. What personally identifiable information third parties collect through the Web site.
3. What organization collects the information.
4. How Internet Payment Solutions, Inc., uses the information.
5. With whom Internet Payment Solutions, Inc., may share user information.
6. What choices are available to users regarding collection, use and distribution of the information.
7. What types of security procedures are in place to protect the loss, misuse or alteration of information under Internet Payment Solutions, Inc. control.
8. How users can correct any inaccuracies in the information.

PayByCash.com is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to build users’ trust and confidence in the Internet by promoting the use of fair information practices. Because this web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If users have questions or concerns regarding this statement, they should first use the Contact Form to reach PayByCash Customer Service.

If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe at:

http://truste.org/consumers/watchdog_complaint.php.

TRUSTe will then serve as a liaison with the Web site to resolve your concerns.

 

Information Collection and Use:

Information Collection
Internet Payment Solutions, Inc., is the sole owner of the information collected on PayByCash.com. Internet Payment Solutions, Inc., collects information from our users at several different points on our Web site.

Registration
In order to register for our service, to use an alternate (non-credit card) payment method to gain access to the content provided by one of the content providers we've partnered with, a user must first complete the registration form. During registration a user is required to give contact information (such as name and email address).

Order
We request information from the user on our order form. A user must provide contact information (such as name, email, and home address) and financial information (such as checking account information) if they wish to make their payments to us using electronic check processing (Virtual Check). This information is used for billing purposes and to fill customer’s orders. If we have trouble processing an order, the information is used to contact the user.

Information Use
The information provided to us by the user is used only to secure that user's account on the merchant's site that user is using PayByCash® to purchase goods or services. The information is used only to ensure we can collect payment from the customer, and to contact the customer in the event there is a problem with their account, or to respond to customer inquiries.

Cookies
A cookie is a piece of data stored on the user’s computer tied to information about the user. PayByCash.com uses cookies on this site. We do link the information we store in cookies to any personally identifiable information you submit while on our site.

We use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close you browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.

We set a persistent cookie to enable us to track and target the interests of our users to enhance the experience on our site. If you reject cookies, you may still use our site, but your some of your preferences may not be maintained from one visit to the next.

Profile
We do not store information collected through third parties to create a profile of our users. A "profile" is stored information kept on individual users that details their viewing preferences. PayByCash.com does not use persistent cookies nor in any way store information on the user's computer that could be used to build a customer profile. Internet Payment Solutions, Inc., uses log files only to track web site usage. These log files do not contain information that is tied to unique users or their use of our site.

Third Party Advertising
PayByCash.com does not serve ads on its Web site and so no information about users or their behavior is developed or maintained by third-party advertisers.

This privacy statement covers the use of cookies by PayByCash.com only and does not cover the use of cookies on sites operated by any of the business partners (content providers or merchant clients) with whom we've established relationships for purposes of providing alternate payment options to customers.

Log Files
Like most standard Web site servers we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user’s movement in the aggregate, and gather broad demographic information for aggregate use.

 

Communications from the Site:

Service Announcements
On rare occasions it is necessary to send out a strictly service-related announcement. For instance, if our service is temporarily suspended for maintenance we might send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account, which will effectively remove them from the list of users to whom these communications are sent. However, these communications are not promotional in nature.

Customer Service
We communicate with users on a regular basis to provide requested services and in regards to issues relating to their account. We reply via email or phone, in accordance with the users wishes.

Legal Disclaimer
Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.

Third Party Advertisers
Internet Payment Solutions, Inc., does not share Web site usage information about users with any third party for the purpose of targeting our Internet banner advertisements on this site and other sites.
These are the instances in which we will share users’ personal information:

We share users' personal information only with the business partner whose products or content the user is purchasing by using Internet Payment Solutions, Inc, us as their alternate payment option. This information may consist of email address, name, address, or phone number. This is all information that the user has already agreed to provide to that business partner as part of that business partner's subscription registration process or the Terms of Service that governs the user's use of that business partner's service.

Service Providers
We partner with other third parties to provide specific products or services. When the user signs up for one of these particular services, we share names, or other contact information like email address, name, address, and phone number, as well as other accounts that user has on that particular third party's service, that is necessary for the third party to provide these services. These third parties' use of that personally identifiable information is subject to their own privacy policies.

Business Transitions
In the event Internet Payment Solutions, Inc., 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. Users will be notified via email and prominent notice on our Web site for 30 days prior to a change of ownership or control of their personal information. If as a result of the business transition, the users’ personally identifiable information will be used in a manner different from that stated at the time of collection they will be given choice consistent with our notification of changes section.

Choice/Opt-out
Out of respect for our users we do not send any promotional or marketing materials.
Users of our site will always be notified when their information is being collected by any outside parties. We do this so our users can make an informed choice as to whether or not they should proceed with services that require an outside party.

Links
This Web site contains links to other sites. Please be aware that we, Internet Payment Solutions, inc., are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

Security
This Web site takes every precaution to protect our users’ information. When users submit sensitive information via the Web site, their information is protected both online and off-line.

When our registration/order form asks users to enter sensitive information (such as financial (checking account) information, 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 Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when users are just ‘surfing’. [To learn more about SSL, follow this link: How SSL Works. (Use your browser's "back" button to return to this page)

While we use 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 mentioned above, is restricted in our offices. Only employees or contractors who need the information to perform a specific job (for example, our account management service representatives are granted access to personally identifiable information. Our employees or contractors must use password-protected screen-savers when they leave their desk unattended. When they return, they must re-enter their password to re-gain access to user information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. At the time of hire and every quarter, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our users’ information is protected. Finally, the servers that store personally identifiable information are in a secure environment, in a locked facility.

Supplementation of Information
In order for this Web site to properly fulfill its obligation to users it is necessary for us to supplement the information we receive with information from 3rd party sources (see "Bank Account Verification").

Bank Account Verification
To determine if users have provided valid bank account information and have funds available in their checking account, we will use the information they provide to contact their financial institution before processing their order. This is analogous to a credit card validation and authorization, and a corresponding check for available credit.

Correcting/Updating Personal Information
If a user’s personally identifiable information changes (such as zip code, phone, email or postal address), we provide a way to correct or update users’ personally identifiable information. This can be done by emailing our Customer Service

Notification of Changes
If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected.

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 via email. Users will have a choice as to whether or not we use their information in this different manner.

Contact Information
If users have any questions or suggestions regarding our privacy policy, please contact us at:

Fax: 1-434-296-3187

Email: Contact Customer Service

Postal Address:
Internet Payment Solutions, Inc.
2020 Avon Court, Suite 25
Charlottesville, VA 22902
USA

Via contact information found on our Web site at: http://www.paybycash.com/company/contact_us.php