Privacy Policy

Your privacy is important to us. This Privacy Policy explains how we collect, share, use, and protect information when you visit or use this service and any other online site that links to or references this policy (collectively, our "Services").

As you review this Privacy Policy, here are a few general principles to keep in mind:

  • Our services are provided online and are intended for a U.S. audience. If you visit or use one of our Services, your information may be transferred or processed in the United States. Our Services are not intended for children under 16. We do not knowingly collect personal information from children under 16 without parental consent.
  • If you use our Services, we will use and share any information that we collect from or about you in accordance with our U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.
  • We may have additional terms from this policy about the privacy of your information. Please review the privacy policy for the specific Service you are using. Information We Collect

Personal Information

When you visit or use our Services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example, a zip code), user name and password. We may also collect payment card information, when you provide such information while using our Services and where we believe it is reasonably required for ordinary business purposes.

Usage and Other Information

In addition to the personal information described above, we may collect certain information about your use of our Services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our Services you access, and the site you visit next. We may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our Services. In addition, we may later associate the usage and other information we collect online with personal information about you.

Additional Sources of Information

We may also collect information about you from additional online and offline sources including from partner sites or commercially available third-party sources. We may combine this information with the personal and other information we have collected about you under this Privacy Policy.

Use of Information

We use the information discussed above in a number of ways, such as:

  • Processing applications and transactions;
  • Verifying your identity (such as when you access your information);
  • Preventing fraud and enhancing the security of your account or our Services;
  • Responding to your requests and communicating with you;
  • Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and
  • For any other purposes that we may specifically disclose at the time you provide or we collect your information.
  • We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.

Disclosure of Information

We may disclose your information to third parties if we determine that such disclosure is reasonably necessary to (a) comply with the law; (b) protect any person from death or serious bodily injury; (c) prevent fraud or abuse of our Services or our users; or (d) protect Polancoware Systems' property rights.

Understanding Cookies, Web Beacons and Other Tracking Technologies

We and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our Services.

  • "Cookies" are small amounts of data a website can send to a visitor's web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our Services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our Services.
  • Clear GIFs, pixel tags or web beacons which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our site and in some of our digital communications (such as email or other messages). These are principally used to help recognize users, assess traffic patterns and measure site engagement.
  • Local Shared Objects, sometimes referred to as "flash cookies" may be stored on your hard drive using a media player or other software installed on your device. Local Shared Objects are similar to cookies in terms of their operation, but may not be managed in your browser in the same way.

Linking to Third-Party Websites

We may provide links to websites that are owned or operated by other companies ("third-party websites"). When you use a link online to visit a third-party website, you will be subject to that website's privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.

Security

We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information. This includes device safeguards and secured files and buildings.

Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your Social Security number) to us.

Updating your Information

Keeping your account information up-to-date is very important. You may review, or update certain account information by contacting us

Changes to this Privacy Policy

We may change this Privacy Policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page. Any changes to this Privacy Policy will become effective when posted unless indicated otherwise.