American Payment Systems (APS) is committed to safeguarding your privacy online. Any personal information or e-mail addresses collected on our online application form are both secure and confidential. We will initiate contact only to provide you with requested information or to follow up on an application that was submitted.

Payments made by credit cards are always secure. APS uses a highly secure encryption protocol assuring your card information is safely processed.

Overview

APS is committed to providing you with excellent service for all of our products. Because we respect your right to privacy, we have developed this Privacy Statement to inform you about our privacy practices for the entire APS site (which covers americanpaymentsystems.com).

Privacy is of great concern to most users of the Internet, and is a critical part of an enjoyable and satisfactory user experience. We at APS are acutely aware of and sensitive to the privacy concerns of our subscribers and other visitors to our Web site. Whether you are a customer of our various products and services or a visitor to our site, we assure you that we do not collect personal information from you unless you provide it to us.

Personal Information

We do not collect any personal information from a visitor to our site unless that visitor explicitly and intentionally provides it. Under no circumstances do we collect any personal data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, health, or sex life. If you are simply browsing our site, we do not gather any personal information about you.

There are two ways in which you may explicitly and intentionally provide us with and consent to our collection of certain personal information:

E-mail Request for Information or Registrations for Guides or Seminars - We use links throughout our site to provide you with the opportunity to contact us via e-mail to ask questions, request information and materials, register or sign up for guides or seminars, or provide comments and suggestions. You may also be offered the opportunity to have one of our representatives contact you personally to provide additional information about our products or services. To do so, we may request additional personal information from you, such as your name and telephone number, to help us satisfy your request.

Enrollment - If you choose to enroll for one of our products or services, we will request certain information from you. Depending on the type of product or service that you request, you may be asked to provide different personal information. For certain products and services, we may require your name, address, telephone number, e-mail address, credit card number, bank account information, IP address, and/or social security number. Other products and services may require different or supplemental information from you in order to apply. For a detailed listing of the type of personal information requested for our various products, please refer to the enrollment page for the particular product or service.

Statistical Information About Your Visit

When you visit our site, our computers may automatically collect statistics about your visit. This information does not identify you personally, but rather about a visit to our site. We may monitor statistics such as how many people visit our site, the user's IP address, which pages people visit, from which domains our visitors come and which browsers people use. We use these statistics about your visit for aggregation purposes only. These statistics are used to help us improve the performance of our Web site.

Sending you responses and updates

We generally respond to any e-mail questions, requests for product or service information, and other inquiries that we receive. We may also retain this correspondence to improve our products, services, and Web site, and for other disclosed purposes. Frequently we retain contact information so that we can send individuals updates or other important information about our services and products. Occasionally these updates or other important information may be sent out by third parties on our behalf. Please be assured that any third party who contacts you in this capacity has executed a confidentiality agreement with us that contains a provision ensuring the privacy and security of any transferred information and limits the third party's use of the shared information to sending updates or providing services on our behalf. In situations where you have supplied your information in connection with a question or request for information about a product or service offered by a APS business partner, we may also send the information you have supplied to the APS business partners that offer such products or services. Please be assured that these APS business partners have agreed to ensure the privacy and security of any transferred information and may only use the shared information to send you information about products or services about which you asked.

Processing payments

If you use the APS payment gateway for online transactions, we may provide your personal information to appropriate financial institutions, processors, and third parties under contract with APS or our Affiliates for providing a subset of the payment services (for example, credit authorization and fraud screening). For financial institutions and processors, the use of personally identifiable consumer information is governed by federal and state privacy laws. For other third parties under contract with APS, the use and distribution of your personal information will be used by such entity for its internal use related to fulfilling the transaction services for APS, will be treated as confidential by this entity, and will be transferred between APS and this entity only via encrypted means. We may also permit the merchant through which you placed your order to review the personal information you provide. The merchant's use of your personal information should be governed by your agreement with the merchant.

If we are required to disclose by law

If we are required by law to disclose certain information to local, state, federal, national or international government or law enforcement authorities, we will do so (for example, we may disclose the identity of purchasers of certain software products to the U.S. Department of Commerce, Bureau of Export Administration, as required under the terms of our export licenses).