Introduction

This Privacy Statement deals with information that a user may provide on the Wholesale Payments Direct’s websites.

For the purposes of this Statement, Wholesale Payments Direct definition of ‘user’ encompasses merchants, affiliate members, partners, sales agents, sponsors, customers and cardholders and any other visitor who discloses information to the company. Wholesale Payments Direct is committed to respecting the privacy of your personal information and wants to promote trust and confidence on the Internet. To that end, Wholesale Payments Direct hereby outlines the type of information that is collected and tracked on this website and how Wholesale Payments Direct uses this information in its business operations.

This Privacy Statement describes:

1. The personally identifiable information Wholesale Payments Direct collects.
2. How Wholesale Payments Direct uses the information.
3. With whom Wholesale Payments Direct may share the information.
4. The safeguards that are in place to prevent loss and/or misuse of the information and to maintain its integrity.
5. How users can update or correct personal information.
6. The notification of changes to our Privacy Policy.

Collection of Information

Wholesale Payments Direct collects information from its users in the following methods.

• Registration
• Wholesale Payments Direct collects personally identifiable information on its users through the registration process (merchant account applications, affiliate program application, partners’ program application and customer’s purchase information) where the applicant is required to give some of the following contact information: company information, product information, technical information, credit card information, account executive name, telephone number, email address, address.
• Ordering
• In order to complete an application form or a customer information request, the user is required to provide  Wholesale Payments Direct with the following information: name, mailing address, shipping address, email address, phone number and credit card information. This information is used to complete the account application process, to complete the customer’s information request and to verify the validity of a request.
• Tracking
• Users’ Internet Protocol (IP) address is automatically received and collected when they visit some Wholesale Payments Direct websites. Wholesale Payments Direct also tracks information such as the domain name from which a user visits us, the pages a user requests, and the amount of time that a user spends on the site. From the IP address, Wholesale Payments Direct can only determine the Internet Service Provider and the geographic location of user’s point of connectivity. This information is used in the aggregate for statistical purposes.

Use of Information

• Information Collected Through Tracking
• The information that Wholesale Payments Direct collects is used in the aggregate to obtain demographic information about the entire Wholesale Payments Direct audience in order to improve service to its customers and merchants, to perform statistical analysis of the collective characteristics and behavior of its users. From this information, Wholesale Payments Direct can measure overall patron demographics and interests regarding specific areas of the Wholesale Payments Direct domain and to analyze how and where to apply its resources. Wholesale Payments Direct also uses the collected aggregate data to inform its sponsors of the number of visitors who have seen and “clicked” on their advertisements. Cookies are used to determine what particular content (e.g. advertising) users view, how long they view it, which content or sites that users link to, and which services members and visitors tend to use.
• Information Collected Through Registration
• Merchants’ personal information is used to set up the merchant’s account, to send the merchants updates, or changes to Wholesale Payments Direct services. Wholesale Payments Direct uses credit card information to fulfill the merchant account application process. Customers’ personal and payment information is used to confirm the customer’s identity and to provide information concerning the customer’s online order. All queries are initiated by the customer, through his/her entering of personally identifiable data on websites operated by Wholesale Payments Direct; serving as a customer service site.

Sharing of Information

Wholesale Payments Direct uses commercially reasonable precautions to keep all disclosed personal information secure. Information collected through tracking and registration will not be shared or sold to third parties for any purpose except as provided in this Privacy Policy, any contract between Wholesale Payments Direct and the user and/or without the user’s expressed permission.

• Financial Institutions
• Wholesale Payments Direct credit card transactions are handled by third-party financial institutions that receive the credit card number and other personal information in order to verify the validity of the credit card numbers and process the transactions.
• Law Enforcement Investigations
• Wholesale Payments Direct may be required to disclose personal information when required by law wherein it believes that such disclosure is necessary to comply with legal proceedings. Wholesale Payments Direct responds to subpoenas, warrants, or other court orders regarding information that is contained within our access logs concerning any merchant, user, customer or visitor. Wholesale Payments Direct reserves the right to release information concerning any user who is believed to be in violation of contract, regulations, laws or guidelines, even without a subpoena, warrant, or other court order. Wholesale Payments Direct cooperates with law enforcement agencies in identifying those who use its services for illegal activities. Wholesale Payments Direct also reserves the right to report any deemed illegal activity by its users to law enforcement agencies.
• Clients
• In the event of an inquiry or a dispute by a customer, Wholesale Payments Direct releases to customers information about the merchant, such as Customer Service Phone Line (if provided by the merchant), merchant’s administrative contact information, and merchant’s website.
• Third Party
• Wholesale Payments Direct discloses information only to third parties who are business partners that provide intrinsic services (i.e. credit card companies) and who are required to treat the information with the same degree of care. Please note that Wholesale Payments Direct‘s website links to a wide variety of other websites, and Wholesale Payments Direct is not accountable for their privacy policies or how they treat information about their users. Please note that Wholesale Payments Direct does not control the acts of its users, merchants, suppliers, etc. All users should be aware that, when they disclose personal information to third parties on or off the Wholesale Payments Direct websites, the information may be collected and used to send that user unsolicited email. In the event that a customer encounters a Wholesale Payments Direct merchant who is improperly collecting or using personal information, please contact Wholesale Payments Direct immediately.

Security

Wholesale Payments Direct uses commercially reasonable precautions, such as security software, physical security features and strict policy guidelines to safeguard the privacy of its users’ personal information; it is also committed to constantly improving its security measures as new technology is made available. Wholesale Payments Direct works diligently to protect the safety of customers’ online purchases and merchants’ sensitive information by using authentication technology (certificates) and encryption technology (SSL). Our secure server software encrypts all personal information, including credit card information and/or social security number, which is transmitted over the Internet to and from Wholesale Payments Direct websites.

Updating and Correcting Information

If you would like to view the information Wholesale Payments Direct has collected about you, correct your information or opt not to consent to certain uses of your personal information, please contact your assigned account executive, who will assist you in this process. If you have questions or suggestions, we can be reached at:

Changes to the Privacy Statement

This Statement is subject to change as Wholesale Payments Direct enhances its services and products, as well as being amended to maintain compliance with the applicable laws and regulations. Users who have a contract with Wholesale Payments Direct will be notified of any changes and other users will be notified prior to collecting such information, as well as of changes to any other part of the business that Wholesale Payments Direct deems appropriate for disclosure.

If Wholesale Payments Direct intends to use personal information in a manner other than is stated at the time of collection, users will be notified and given the opportunity to consent to such a use.

Note

Users of Wholesale Payments Direct websites must abide by the regulations and laws of their country of origin.