Privacy Policy   PRIVACY POLICY: Quick Note: Because we're exclusive and don't want ourselves or you to be bothered with the TONS of JUNK mail; we only give our CONTACT information to MEMBERS. This policy describes the ways 'WE' collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. 'WE' may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time 'WE' post it. In addition, if the revised version includes a substantial change, 'WE' will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. OUR PAYMENT PROCESSOR: WE ONLY USE SAFE 'PAY ONCE' PAYMENT SYSTEMS... PayPal meets our needs and have aggressive Security and Dispute management Systems in place. PayPal the best way to go for ALL INTERNET PURCHASES!!! Using PayPal, you can make payments with us or anywhere on the Internet where you'll only have to supply your sensitive financial information 'ONCE!' You're then able to make online payments without ever having to reenter that information ever again. 'WE' (and all other merchants) will never get to see your financial information because PayPal handles all of the security for you. One ENTRY, ONE RESPONSIBLE ENTITY, totally eliminating worries about doing online business transaction with us or any merchant that uses PayPal. It's simply the smartest way for MERCHANTS to use the Internet for processing payments to those they KNOW and don't KNOW!!! And, yes; we can accept any of the Major Debit or Credit Cards towards making payments. WE ARE A CERTIFIED PayPal Member/Merchant. All money spent with us is SAFE. Any and all disputes are handled promptly and professionally. How 'WE' collect information about you When you visit the 'WE' website, 'WE' collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website. If you open an account, 'WE' collect the following types of information from you: Contact information - your name, address, phone, email, Video/Audio ID and other similar information. Financial information - the full bank account numbers and credit card numbers that you link to your 'WE' account. Before permitting you to use our Service, 'WE' may require you to provide additional information 'WE' can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. 'WE' may also obtain information about you from third parties such as credit bureaus and identity verification services. When you are using our Service, 'WE' collect information about your account transactions and 'WE' may collect information about your computer or other access device for fraud prevention purposes. Finally, 'WE' may collect additional information from or about you in other ways not specifically described here. For example, 'WE' may collect information related to your contact with our customer support team or store results when you respond to a survey. - How 'WE' use cookies When you access our website, 'WE', or companies 'WE' hire to track how our website is used, may place small data files called "cookies" on your computer. 'WE' send a "session cookie/tracker" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that 'WE' don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect. 'WE' also use longer-lasting cookies for other purposes such as to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account. 'WE' encode our cookies so that only 'WE' can interpret the information stored in them. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website. 'WE' may also collect information about your computer or other access device to mitigate risk and for fraud prevention purposes. - How 'WE' protect and store personal information Throughout this policy, 'WE' use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. 'WE' do not consider personal information to include information that has been anonymized so that it does not identify a specific user. 'WE' store and process your personal information on our computers in the US, and 'WE' protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. 'WE' use computer safeguards such as firewalls and data encryption, 'WE' enforce physical access controls to our buildings and files, and 'WE' authorize access to personal information only for those employees who require it to fulfill their job responsibilities. - How 'WE' use the personal information 'WE' collect Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. 'WE' may use your personal information to: - provide the services and customer support you request; - process transactions and send notices about your transactions - resolve disputes, collect fees, and troubleshoot problems; - prevent potentially prohibited or illegal activities, and enforce our User Agreement; - customize, measure, and improve our services and the content and layout of our website; - send you targeted marketing, service update notices, and promotional offers based on your communication preferences; - compare information for accuracy and verify it with third parties. - How 'WE' share personal information with our other users To process your payments, 'WE' need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from our verified users, and whether you have verified control of a bank account are provided to our other users who you transact with through us. If you are buying goods or services and pay through 'US,' 'WE' may also provide the seller with your confirmed credit card billing address to help complete your transaction with the seller. The seller is not allowed to use this information to market their services to you unless you have agreed to it. If an attempt to pay your seller fails, or is later invalidated, 'WE' may also provide your seller with details of the unsuccessful payment. To facilitate dispute resolutions, 'WE' may provide a buyer with the seller's address so that goods can be returned to the seller. 'WE' work with merchants to enable them to accept payments from you using 'OUR SERVICE'. In doing so, a merchant may share information about you with us, such as your email address, when you attempt to pay that merchant. 'WE' use this information to confirm to merchants that you are 'OUR' customer and that the merchant should enable the payment for your purchase. Also, if you request that 'WE' validate your status as our customer with a third party, 'WE' will do so. Please note that merchants you buy from and contract with have their own privacy policies, and 'WE' may not be held responsible for their operations, including, but not limited to, their information practices. Regardless, 'WE' will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through 'OUR SERVICE,' except with your express written permission or if 'WE' are required to do so to comply with a subpoena or other legal process. - How 'WE' share personal information with other parties 'WE' may share your personal information with: Members of our affiliated family of businesses through uQQn Holdings Holdings. Joint content and services will be provided (like registration, transactions and customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about products, services and communications. Members of our affiliated family will use this information to send you marketing communications only if you have requested their services. Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit. Financial institutions that 'WE' partner with may jointly share your information only as to create and offer you/your business a products or services such as a 'OUR' featured Credit Card, Debit Card or other financial offering. The shared information is only used as a tool in order to determine whether you should receive pre-approved offers. Whomever 'WE' partner with they may only use our partnership to offer/market 'OUR'-related products/services, UNLESS YOU GIVE 'OTHERS' WRITTEN consent to make other offers that doesn't involve us. Credit bureaus to report account information, as permitted by law. Banking partners as required by credit card association rules for inclusion on their list of terminated merchants (in the event that you meet their criteria which includes having 'US' close your Accounts with 'US' due to your breach of the 'OUR' User Agreement). Companies that 'WE' plan to merge with or be acquired by. (Should such a combination occur, 'WE' will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.) Law enforcement, government officials, or other third parties when 'WE' are compelled to do so by a subpoena, court order or similar legal procedure where 'WE' need to do so to comply with laws 'WE' believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement. Other third parties with your consent or direction to do so. 'WE' will not sell or rent any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described in this policy. If you open an account with 'US' on a third party website or application, any information that you enter on that website or application (and not directly on a 'WE' website) will be shared with the owner of the third party website or application and is not governed by 'US.' - How you can access or change your personal information You can review and edit your personal information at any time by logging in to your account and clicking the Profile sub-tab under the My Account tab. - How you can contact us about privacy questions If you have questions or concerns regarding our policies, contact us. Attn.: Privacy Department, P.O. Box 4095, Philadelphia, PA 19118. 'WE' belong to uQQn Holdings and in the HONORABLE TRUSTED MARKETER association. NOTE: uQQn Holdings is not beholding to other organization that grant awards, particularly those who have political or other unmentioned underpinning. uQQn Holdings make their dispute protocol subject to the current rules of engagement and dispute as implemented by our payment processor- PayPal. If after contacting 'US' and you feel that our response to your privacy concern is unsatisfactory, then you may contact OUR Payment Processor for a secondary review. Both reviews will be considered before making a determination on the dispute.