Privacy
Policy
Any changes to the Presbyterian Church (U.S.A.)
Investment and Loan Program, (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 Presbyterian Church (U.S.A.) Investment and Loan Program,
(Inc.) (“ILP”) 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. ILP 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. ILP 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 ILP’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 ILP’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. ILP 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
ILP’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 ILP family: ·
ILP 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 ILP
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
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. |