Billing Soutions, Inc. (“BSI”) PRIVACY POLICY
BSI takes your privacy seriously. Please read the following to learn more about
our privacy policy.
This policy covers how BSI treats personal information that BSI collects and
receives through the BSI Services as defined in the BSI Terms and Conditions.
Personal information is information about you that is personally identifiable,
like your name, address, email address, or phone number, and that is not
otherwise publicly available.
This privacy policy only applies to BSI
This policy only applies to BSI, and not to any other person or entity,
including, but not limited to any financial institutions, employers, and/or
other third parties found on or through the BSI Services.
INFORMATION COLLECTION AND USE
General
Personal information is information about you that is personally identifiable,
like your name, address, email address, or phone number, and that is not
otherwise publicly available. BSI receives your personal information when you
register with BSI, when you use BSI Services, and sometimes when you visit BSI
Services. As part of BSI Services, BSI
may also receive personal information about you from financial institutions,
employers, and/or other third parties who participate in BSI Services. BSI may combine information about you that
it has with information it obtains from financial institutions, employers,
and/or other third parties who participate in BSI Services.
When you register with BSI and use the BSI Services, you are not anonymous to
BSI. BSI maintains information about your transactions with us and with
financial institutions, employers, and/or other third parties who participate in
BSI Services. BSI automatically receives
and records information from your computer and browser, including your IP
address, BSI cookie information, software and hardware attributes, and the page
you request.
BSI uses information for the following general purposes: to customize the
content you see, fulfill your requests for BSI Services, improve BSI Services,
contact you, conduct research, and provide anonymous reporting for internal and
external clients. BSI may also possess and deliver your information to fulfill
requests and requirements of requestors or persons or entities authorized by
you. Such persons may include, but not be
limited to, lenders, employers and/or mortgage
processors.
INFORMATION SHARING
AND DISCLOSURE
BSI does not rent, sell, or share personal information about you with other
people or non-affiliated companies except (i) to provide products or services
you've requested, (ii) as noted above, to facilitate the sharing of information
to persons or entities you have authorized, and/or (iii) under the following
circumstances:
·
We provide the information to trusted partners who work on behalf of or with BSI
under confidentiality agreements. These partners may use your personal
information to help BSI communicate with you. However, these partners do not
have any independent right to share this information.
·
We use the information to respond to subpoenas, court orders, or legal process,
or to establish or exercise our legal rights or defend against legal claims.
·
We believe it is necessary to share information in order to investigate,
prevent, or take action regarding illegal activities, suspected fraud,
situations involving potential threats to property and/or the physical safety of
any person, violations of BSI’s Terms and Conditions, or as otherwise required
by law.
·
We transfer information about you if BSI is acquired by or merged with another
company.
A cookie is a small amount of data, which often
includes an anonymous unique identifier, that is sent
to your browser from a web site's computers and stored on your computer's hard
drive.
BSI may set and access BSI
cookies
on your computer.
BSI uses its own cookies for a number of purposes, including, but not limited
to: (i) access your information when you
"sign in" so we can provide you with customized content or remember the last
page you visited, (ii) keep track of preferences you specify while you are using
BSI Services, (iii) provide general internal and customer analytics, (iv)
conduct research to improve BSI Services, (v) support security measures such as
requiring re-logging into a BSI Service after a certain amount of time has
elapsed, and (vi) assist in identifying possible fraudulent activities.
BSI lets financial institutions, employers, and/or other third parties who
participate in BSI Services set and access their cookies on your computer. Other
companies' use of their cookies is subject to their own privacy policies, not
this one. Other companies do not have access to BSI's cookies.
You can configure your browser to accept all cookies, reject all cookies, or
notify you when a cookie is set. (Each browser is different, so check the "Help"
menu of your browser to learn how to change your cookie preferences.). If you
reject all cookies, you will not be able to use BSI Services that require you to
"sign in," and you may not be able to take full advantage of all offerings.
However, many BSI Services do not require that you accept cookies. BSI refreshes cookie information for a
registered BSI user each and every time a registered BSI User log into BSI on
whichever computer or device you are using at that time. Accordingly, previously
deleting your cookies may not be effective. Instead, you should contact BSI at
clientservices@bankvod.com to implement this.
WEB BEACONS
Web pages may contain an electronic file called a web
beacon, that allows a web site to count users who have visited that page
or to access certain cookies. BSI uses web beacons in the following ways:
·
to
count users and to recognize users by accessing BSI cookies.
·
to
personalize your experience when you visit BSI web sites.
·
to
conduct research on behalf of certain partners on their web sites and also for
auditing purposes.
·
to
report anonymous individual and/or aggregate information about users of BSI
Services to our partners. Aggregate information may include demographic and
usage information. No personally identifiable information about you is shared
with partners from this research. When conducting research that collects
personal information, BSI's practice is to require partners to disclose the
presence of web beacons in their privacy policies and state what choices are
available to users regarding the collection and use of this information. You may
choose to
opt-out of BSI using this information by emailing BSI at
clientservices@bankvod.com. (Note: This opt-out applies to a specific
browser rather than a specific user. Therefore you will have to opt-out
separately from each computer or browser that you use).
·
to
include web beacons in HTML-formatted email messages (messages that include
graphics) that BSI, or its agents, send in order to determine which email
messages were opened and to note whether a message was acted upon.
In general, any file served as part of a web page can act as a web beacon. BSI
may also include web beacons from third parties’ and affiliates’ pages served by
BSI so that BSI’s partners may receive auditing, research and reporting.
GENERAL
You can opt out of receiving marketing communications from BSI by following
instructions contained in the messages you receive.
We reserve the right to send you certain communications relating to the BSI
Services, such as service announcements, administrative messages and the BSI
Newsletter, if any, that are considered part of the BSI Services you receive,
without offering you the opportunity to opt out of receiving them.
In order to provide BSI Services, BSI collects and stores information from user
account registration and site usage. BSI’s policy is to de-identify user log
file data within 90 days of collection, with limited exceptions to fight fraud,
secure systems, and meet legal obligations.
In addition,
·
When you register with BSI or submit information to BSI, a temporary copy of
that information is routinely made to prevent accidental loss of your
information through a computer malfunction or human error.
·
BSI keeps your account information active in our user registration databases in
order to provide immediate access to your personalization preferences each time
you visit BSI.
·
If you ask BSI at clientservices@bankvod.com to delete your BSI account, in most
cases your account will be deactivated and then deleted from our user
registration database in approximately 90 days. This delay is necessary to
discourage users from engaging in fraudulent activity.
·
Please note that any information that we have copied may remain in back-up
storage for some period of time after your deletion request. This may be the
case even though no account information remains in our
active user databases.
Also,
·
The BSI computers that send your web pages process and store information every
day create records called “log files”. Log files are used for analysis,
research, auditing, and other purposes. After this information has been used, it
is stored and is inaccessible. Until the information is stored, your BSI ID may
remain in our active server log files.
·
BSI uses a multi-step process to replace, truncate, or delete identifiers in
order to de-identify data. However, BSI
stores this data in an identifiable form for up to 90 days for most log file
data. There are certain exceptions to this policy. BSI will store a limited
amount of log file data in identifiable form for up to 6 months for select log
file systems involved in product/service and financial fraud detection and abuse
management. There are also exceptions for legal obligations.
Except as to what is otherwise set forth in this Privacy Policy, we limit access
to personal information about you to employees or contractors who we believe
reasonably need to come into contact with that information to provide products
or services to you or in order to do their jobs.
We have safeguards that protect personal information about you.
CHANGES TO THIS PRIVACY POLICY
BSI may update this policy. We will notify you about significant changes in the
way we treat personal information by placing a prominent notice on our site.
If you have questions or suggestions, please contact us at:
clientservices@bankvod.com.