Any changes to the M&S MEDIA, INC. Electronic Bill
Payment and Presentment Website Customer Information Privacy Policy and the
Electronic Bill Payment and Presentment Consumer Information Privacy Principles,
will be posted on or before the effective date of such changes. You will be
able to determine the date of the last change by noting the effective date of
the policies.
Electronic Bill Payment and Presentment
Website Customer Information Privacy Policy
M&S MEDIA, INC. respects the privacy of our customers
and are committed to protecting their information on our Web sites with the
same care we utilize for our own transactions.
Our Electronic Bill Payment and Presentment (EBPP) system
does not automatically collect personal information from visitors to its Web
sites. It is possible that the EBPP system will use tools, such as cookies or
click stream auditing, for our own internal uses, such as recommending products
and services and gathering Web analytics. Cookies are small pieces of
information that a Web site stores on a visitor's Web browser to remind the
site about the visitor the next time they visit the site. We will not store
confidential or sensitive information in cookies. M&S MEDIA, INC. will use
cookies to enhance our customers' online bill payment session by making
navigation easier and providing important security features. For certain
applications, cookies are a requirement because they help protect the privacy
of a customer's transactions by, for example, automatically terminating the
online session if the customer forgets to log out.
Cookies cannot be used to capture your e-mail address,
obtain data from your hard drive or gain confidential or sensitive information
about you. Additionally, cookies cannot be read by a Web site other than the
one that set the cookie. Some Web sites, however, use cookies to obtain
information from your browser. In order to prevent this, you can set your
browser to notify you before accepting a cookie, so that you can control
whether you accept or reject a cookie.
Click stream auditing includes information such as a web
surfer's IP address, web pages which have been viewed or acted upon by a web
surfer, date and time, domain type, and when a web surfer has responded to an
advertisement. M&S MEDIA, INC. may occasionally combine this information
with individual information on an aggregate level to determine the
effectiveness of our advertising.
This version of the Electronic Bill Payment and
Presentment Website Customer Information Privacy Policy is effective
02/08/2008.
Electronic Bill Payment and Presentment Consumer
Information Privacy Principles
Introduction
M&S
MEDIA, INC. is committed to treating and using personal financial information
about you responsibly. These Privacy Principles explain what personal
information we collect, why we collect it, how we protect personal information,
and how and why in certain cases we may share such information with select
other parties. These principles are
effective 01/20/2017, and may be amended from time to time.
M&S MEDIA, INC.’s Electronic Bill Payment and
Presentment Consumer Information Privacy Principles apply to personal
information collected or used when you use our online bill payment system.
We Collect Information As Needed to Identify
You and Serve You as a Customer
We collect
information from and about you in order to identify you as our customer,
establish and manage customer accounts, complete customer transactions, and to
comply with legal and regulatory requirements.
Information we receive from you:
Contact Information (such as name,
address, e-mail address, and telephone number). We use contact information, for
example, to identify you, send you information about our products and services,
and to contact you about your accounts.
Account Information (such as bank account
numbers, bank routing numbers, and credit card numbers). We use the account information you provide us
in order to complete your payment requests.
Policies and Procedures
M&S MEDIA,
INC.’s EBPP service utilizes advanced technology and information management
techniques to implement security, audit and control programs designed to
protect the confidentiality and security of the information we collect. M&S
MEDIA, INC. limits employee access to customer information provided on our EBPP
site to those employees we believe have a legitimate business need for the
information.
We May Share Information With Other Companies
It is our
policy not to sell, rent or otherwise provide customer information collected on
M&S MEDIA, INC.’s EBPP site to outside companies so they can market their
non-financial products or services.
The section below describe the types of companies and third
parties with whom, and the situations when, we may share customer information
outside the M&S MEDIA, INC. family:
·
M&S MEDIA, INC. will share personally identifiable information
that you provide us on our EBPP site with third parties that help us process
the transactions you request;
·
When we respond to your service requests;
· When we share information with consumer reporting agencies;
·
When we offer account benefits;
·
When we transfer information in connection
with a proposed or actual sale of accounts, or a proposed or actual sale of all
or part of a business unit;
·
When we suspect fraud or for risk management
purposes;
·
When we are required by a federal, state, or
local law or regulation to do so;
·
When we receive a subpoena or are ordered by
a court to do so;
·
As otherwise permitted by federal or state law.
We may also disclose personally identifiable information to other
financial service providers with which we have marketing agreements. Generally, we provide market researchers only
with customer contact information, such as name, address, and telephone
number. Under no circumstances, will
M&S MEDIA, INC. disclose bank account numbers, credit card numbers or
access codes provided to us via our EBPP website to third parties for
telemarketing or direct marketing purposes.
Before we disclose customer information to any of our
service providers or suppliers, we require them to agree to keep our customer
information confidential and secure and to use it only as authorized by us.
Former Customers
We do
not disclose information about former customers to outside companies except as
may be permitted or required by law.
Some examples of when we may share information about former customers,
such as when we receive a subpoena, are listed above.
State Privacy Laws
We will also
comply with state privacy laws to the extent they apply.
Online Information Policies
We respect the
privacy of our customers and are committed to protecting their information on
our websites with the same care we utilize for our own transactions.