Any changes to the SCVCS 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
SCVCS 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. SCVCS 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. SCVCS
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
SCVCS 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 02/08/2008, and may be amended from time
to time.
SCVCS’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
SCVCS’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. SCVCS
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
SCVCS’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 SCVCS
family:
·
SCVCS 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 SCVCS 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.