BILLING
SOUTIONS, INC. d/b/a BankVOD (“BankVOD”) PRIVACY POLICY
BankVOD takes privacy seriously. Please read the
following to learn about our privacy policy.
This policy covers how BankVOD
treats personal information that BankVOD collects and receives through the BankVOD
Services as BankVOD Services is defined in the BankVOD Terms and Conditions
located at https://www.bankvod.com/terms_and_conditions.htm, or such other location as we may designate.
Important Definitions:
Only businesses are BankVOD
users. Consumers are NOT BankVOD users. In this policy “user” means a user (which is
business, not a consumer) who enrolls with and uses BankVOD Services. A “visitor” is someone who is casually on a
BankVOD website, but does not enroll and use BankVOD Services.
Personal information is
information about our user’s or our user’s customers/clients, or visitors that
is personally identifiable, and that may not otherwise publicly available, like
a name, address, email address, phone number, financial institution account
numbers, and employers (“Personal Information”).
This privacy policy only applies to BankVOD.
This policy only applies
to BankVOD, and not to any other person or entity, including, but not limited
to any government entity, financial institutions, employers, and/or other third
parties found on or through the BankVOD Services. Please go to the website of that particular
person or entity to view their privacy policy.
INFORMATION
COLLECTION AND USE
General
BankVOD receives
Personal Information when a business user enrolls with BankVOD and uses BankVOD
Services, and sometimes when a visitor or a user is causally on a BankVOD website.
As part of BankVOD
Services, BankVOD may also receive or pass through Personal Information about a
BankVOD user’s customers/clients from government entities, financial institutions,
employers, and/or other third parties who participate in BankVOD Services. BankVOD
may combine information about a BankVOD user’s customer/client that it has with
information about a user’s customer/client it obtains from government entities,
financial institutions, employers, and/or other third parties who participate
in BankVOD Services. BankVOD strives to receive Personal Information from established,
reputable sources in the government and private sectors. In support of this, BankVOD
takes reasonable steps to assess the reputation and reliability of its private
sector data sources before incorporating Personal Information from the source
into its products and services. BankVOD also strives to obtain assurances from
its data suppliers that they have the legal right to license or provide the
data to BankVOD.\BankVOD maintains
information about a user’s transactions with us and if applicable, a user’s customer’s
/ client’s, dealings with government entities, financial institutions,
employers, and/or other third parties who participate in BankVOD Services or
pass through information through BankVOD.
BankVOD automatically
receives and records information from a user’s or visitor’s computer and
browser, including IP address, BankVOD cookie information, software and
hardware attributes, and the page(s) a user or visitor requested.
BankVOD uses information
it receives for the following general purposes: to customize the content a user
or visitor sees, to fulfill a user’s requests for BankVOD Services, improve BankVOD
Services, to contact a user, conduct research, and provide reporting for
internal and external clients. BankVOD may also possess and deliver a user’s
customer/client information, and information a user provides and/or requests,
to fulfill requests and requirements of a user, a user’s customer/client,
and/or requestors, persons or entities authorized by a user or a user’s customer/clients,
including, without limitation informing a user of, and putting information in a
user’s account with BankVOD. Such foregoing persons or entities may include,
but not be limited to, lenders, employers and/or mortgage processors.
INFORMATION
SHARING AND DISCLOSURE
BankVOD does not share
Personal Information with other people or non-affiliated companies except (i)
to provide products or services a user and a user’s customers/clients have
requested, (ii) as noted above, to facilitate the sharing of information to
persons or entities a user and a user’s customers/clients have authorized,
and/or (iii) under the following circumstances:
· We provide information to trusted partners who work on behalf of
or with BankVOD under confidentiality agreements. These partners may use information
to help BankVOD communicate with users or visitors. 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/statutory/regulatory 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 BankVOD’s Terms and Conditions, or as
otherwise required by law.
· We transfer information about users, users’ customers/clients, and
visitors, if BankVOD is acquired by or merged with another company.
CALIFORNIA CONSUMERS PROTECTION ACT (CCPA) AND
SIMILAR LAWS/RULES.
The California Consumers
Protection Act (CCPA) requires under certain circumstances consumers to receive
notification as to where their information resides and that it be deleted. BankVOD is not subject to the California
Consumers Protection Act (CCPA).
Notwithstanding, if required by the CCPA or similar law, rule or
regulation, a user shall be in compliance with the CCPA and any other similar
law, rule or regulation, including, without limitation, if required by law,
permitting consumers to receive notification as to where their information
resides and that it be deleted. If it is
necessary in this regard, in relation to the CCPA or any similar law, rule or
regulation, for a user to contact BankVOD, a user should do so at [email protected], and BankVOD shall respond as required by
law.
If
you are a consumer or customer or client of a user of BankVOD Services, and
feel you have rights under the CCPA or similar laws, rules, or regulation, please
contact that user of BankVOD directly.
BankVOD has no consumer customers.
COOKIES
A cookie is a small
amount of data, which often includes an anonymous unique identifier, that is
sent to a user or visitor’s browser from a web site's computers and stored on a
user’s or visitor’s computer's hard drive.
BankVOD may set and
access BankVOD cookies on a user’s or visitor’s computer. BankVOD uses its own
cookies for a number of purposes, including, but not limited to: (i) providing a
user or visitor with customized content
or to remember the last page visited, (ii) accessing a user’s information when a user
"signs in", (iii) keeping
track of preferences a user specified while using BankVOD Services, (iv)
provide general internal and customer analytics, (iv) conducting research to
improve BankVOD Services, (vi) supporting security measures such as requiring
re-logging into a BankVOD Service after a certain amount of time has elapsed,
and (vii) assisting in identifying possible fraudulent activities.
BankVOD lets government
entities, financial institutions, employers, and/or other third parties who
participate in BankVOD Services, or pass information through BankVOD, to set
and access their cookies on a user’s computer. Other companies' use of their cookies is
subject to their own privacy policies, not this one, and their privacy policies
should be consulted. Other companies do not have access to BankVOD's cookies.
As a user or visitor,
you can configure your browser to accept all cookies, reject all cookies, or be
notified 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 a user rejects all
cookies, a user may not be able to use BankVOD Services and a user may not be
able to take full advantage of all offerings. However, many BankVOD Services do
not require that a user accept cookies. BankVOD refreshes cookie information
for a registered BankVOD user each and every time a registered BankVOD user
logs into BankVOD on whichever computer or device a user is using at that time.
Accordingly, a user previously deleting cookies may not be effective. Instead, a user should contact BankVOD at [email protected] to implement this.
WEB BEACONS
Web pages may contain an
electronic file called a web beacon, that allows a web site to count visitors
or users, who have visited that page or to access certain cookies. BankVOD uses
web beacons in the following ways:
· to count visitors and users and to recognize visitors and users by
accessing BankVOD cookies.
· to personalize visitor and visitor experience when BankVOD web
sites are accessed.
· 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 BankVOD Services to our partners. Aggregate information may include
demographic and usage information. No personally identifiable information about
users is shared with partners from this research. When conducting research that
collects personal information, BankVOD'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. A user may choose to prospectively opt-out of BankVOD using
this information by emailing BankVOD at [email protected]. (Note: This
opt-out applies to a specific browser rather than a specific user. Therefore a user
will have to opt-out separately from each computer or browser that a user uses).
· to include web beacons in HTML-formatted email messages (messages
that include graphics) that BankVOD, 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. BankVOD may also include
web beacons from third parties’ and affiliates’ pages served by BankVOD so that
BankVOD’s partners may receive auditing, research and reporting.
GENERAL
A user can opt out of
receiving marketing communications from BankVOD by following instructions
contained in the messages you receive.
We reserve the right to
send users certain communications relating to the BankVOD Services, such as
service announcements, administrative messages, changes in terms, and the BankVOD
Newsletter, if any, that are considered part of the BankVOD Services users
receive, without offering users the opportunity to opt out of receiving them.
In order to provide BankVOD
Services, BankVOD collects and stores information from user account
registration and site usage. BankVOD’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 a user registers with BankVOD or submits information to BankVOD,
a temporary copy of that information is routinely made to prevent accidental
loss of that user’s information through a computer malfunction or human error.
· BankVOD keeps a user’s account information active in our user
registration databases in order to provide immediate access to that user of their
personalization preferences each time a user uses BankVOD Services.
· If a user asks BankVOD at
[email protected] to delete their BankVOD account, in most cases the
account will be deactivated and then deleted from BankVOD’s 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 BankVOD has
copied may remain in back-up storage for some period of time after a user’s
deletion request. This may be the case even though no account information
remains in our active user databases.
Also,
· The BankVOD computers that send web pages, and 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, a user’s BankVOD ID may remain in BankVOD’s active
server log files.
· BankVOD uses a multi-step process to replace, truncate, or delete
identifiers in order to de-identify data. However, BankVOD stores this data in
an identifiable form for up to 90 days for most log file data. There are
certain exceptions to this policy. BankVOD will store a limited amount of log
file data in identifiable form for up to 6 months for select log file systems
involved in products/services and for financial fraud detection and abuse
management. There are also exceptions for legal obligations.
CONFIDENTIALITY
AND SECURITY
Except as to what is
otherwise set forth in this Privacy Policy, we limit access to personal
information about you to employees or contractors of BankVOD who we believe
reasonably need to come into contact with that information to provide BankVOD
products or services to users or in order to do their jobs.
We have safeguards that
protect personal information about you.
NO CHILDREN / MINORS
BankVOD Services are not for children / minors, and any person under the
age of 18 is prohibited from accessing or using BankVOD Services.
ADDITIONAL CALIFORNIA
PROTECTION
If you are a California resident you may have certain rights under
California Civil Code Section 1798.83 that permits applicable individuals to request
information regarding disclosure, if any, of their personal information to
third parties for the third parties’ direct marketing purposes. BankVOD does not disclose personal
information for marketing purposes, whether to third parties or otherwise.
BANKVOD SERVICES ARE
LIMITED TO THE UNITED STATES
BankVOD Services are limited to the United States and to residents of the
United States. BankVOD servers and all
BANKVOD operations are located in the United States.
CHANGES TO THIS PRIVACY POLICY
BankVOD 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 or by updating
this Privacy Policy. On a regular basis, please check this Privacy
Policy.
If you have questions or
suggestions, please contact us at: [email protected].
This Privacy Policy
was last
updated October 17, 2023.