- Our Privacy Commitment
- What Information does America Payments Collect?
- How is Your Personal Information Used?
- Your Consent
- Information America Payments Collects Directly from You
- Information America Payments Collects Automatically
- Data on Returned Product
- Supplementing Information
- Does America Payments Share Your Information?
- How does America Payments Protect Your Information?
- How Can You Verify Your Information?
- When is Your Information Removed?
- Contacting America Payments
- Who is America Payments?
- OUR PRIVACY COMMITMENT
This Policy applies to our retail stores, our Web Sites, and all other channels in which America Payments collects and uses your personal information.
- WHAT INFORMATION DOES AMERICA PAYMENTS COLLECT?
At America Payments, we collect two types of information: personal information and non-personal information. The types of information we collect depend on the nature of your interaction with us.
Personal information is information that can identify an individual or information about an identifiable individual. We may collect personal information such as:
- your contact information – e.g., name, postal address, telephone number, and email address;
- your personal preferences – e.g., product wish lists, language preferences, and marketing consent; and
- your transaction information – e.g., products purchased, method of payment, amount paid, and credit or debit card number.
Non-personal information does not identify you as an individual. For example:
- we may ask you for your postal code to assist us with planning our flyer distribution;
- we may collect certain non-personal data when you visit our Web Sites, such as the type of browser you are using or the referring URL; or
- we may collect and summarize customer information in a non-personal, aggregate format for statistical and research purposes. We may, for example, summarize our data to determine that a certain percentage of contest entrants are male, aged 18 to 25.
You may choose not to provide us with your personal information. However, if you make this choice we may not be able to provide you with the product, service, or information that you requested. For example, we can only offer you a America Payments credit card if you have provided us with certain financial information.
- HOW IS YOUR PERSONAL INFORMATION — USED?
America Payments may use your personal information for a number of different business purposes, for example to:
- fulfill your specific requests for products, services or information;
- provide customer support to assist you with your questions or complaints;
- conduct surveys in order to improve our services;
- measure and improve the effectiveness of our Web Sites or our marketing endeavours;
- detect and protect against fraud and error;
- track and analyze your purchases and preferences to better understand your product and service needs and eligibility;
- tailor our online content or in-store offerings based on your preferences;
- if you ask us, to offer and promote additional products and services we offer; and
- YOUR CONSENT
- Sometimes you will be asked to give your express consent, such as by checking a box to indicate your consent to receive marketing communications, or by providing your signature to indicate your acceptance of the use and disclosure terms presented on an application form.
- Other times, we may obtain your consent implicitly when we can reasonably conclude that you’ve given consent by some action you have taken or an action you have decided not to take. Generally, this occurs where the purpose for use of your personal information would be reasonably apparent to you.
Withdrawing Your Consent
- You may notify us at any time that you wish to withdraw or change your consent to our use and disclosure or your information. We will accommodate your request subject to legal and contractual restrictions related to your transactions.
- If you have “opted in” or subscribed to one of our newsletters or mailing lists, we will always provide you the opportunity to “opt out” or unsubscribe. For example, each e-newsletter we send to you will include a link or other method to unsubscribe or decline further e-newsletters.
- INFORMATION AMERICA PAYMENTS COLLECTS DIRECLY FROM YOU
Listed here are some further examples of the ways that we collect personal information directly from you and how we use it.
When you purchase America Payments product or service, you may need to provide us with contact and payment information (such as credit card information) so that we can process your request or complete your transaction. Examples where we need contact information include delivery services, product servicing, in-home installations, and extended warranty coverage. If we also wish to use this information to send you promotional information we will ask for your express consent.
Returns and Exchanges
Our goal is to ensure that you are completely satisfied with your purchase and to this end, America Payments offers a Return Policy. For America Payments to continue to offer our Return Policy, we ask for personal information such as your name, address, and telephone number for the purposes of detecting and preventing fraud. You may also be asked to produce photo ID for verification purposes only.
Purchase Follow-Up and Surveys
Following a purchase from some of our departments we may send you a follow-up letter to thank you for your business, or we may contact you to ensure that you are completely satisfied with the delivery, setup, or installation of your new product.
We may use contact information collected in-store, online, or via our call centres to conduct occasional surveys and other customer research. These surveys are entirely voluntary and you may easily decline to participate.
Our Web Sites
Our Web Sites can be browsed anonymously. However, to engage in certain special features or functions of our Web Sites, or to order products and services from our Web Sites, you may be asked to provide certain personal information, such as your name, email address, postal address, telephone number, or credit card information. We use this information to create your account, contact and correspond with you about your order, respond to your inquiries, and monitor functions of our Web Sites that you choose to use, such as online forums.
If you choose to ship an order to a third party, you represent and warrant that you have obtained all necessary consents from the third party to permit America Payments to collect, use, and disclose the third party’s personal information for the purposes of fraud prevention and processing and shipping the order.
Online Forums and Customer Reviews
Certain pages of our Web Sites, such as “Community Forum”, facilitate interactive discussions between users and America Payments staff or agents acting on our behalf regarding products and services available for purchase through the Web Sites. The Customer Review functionality is provided as a rating system that offers you the chance to share your thoughts on a product. These public forums and reviews are accessible to all Web Site visitors so please use discretion when posting information to them and do not post personal information.
Sign-Up for Newsletters or Updates
America Payments also offers a variety of newsletters and promotional communications. Should you choose to enroll we will collect your contact information, such as name and email address. This information will only be used to send you the newsletter and promotional announcements that you have requested. You may “unsubscribe” at any time by using the unsubscribe link included in the footer of the newsletter or by using the unsubscribe link included below under the heading “Unsubscribe”. Our subscriber list is never sold or rented to other parties.
Participate in a Contest or Promotions
Email a Friend
While visiting our Web Sites you may choose to use the “Email a Friend” tool which allows you to inform a friend about products of interest to you. The information you provide will be used to send a one-time email to your friend, inviting them to our Web Sites. We will not add your friend to a mailing list and will not send them further email unless they choose to receive such communications from us. When using the “Email a Friend” tool you are contacting your friend directly and as such you acknowledge that you are responsible for this correspondence and not America Payments. If you provide us with personal information concerning another individual (e.g., email address), you represent and warrant that you have obtained all necessary consents from that individual to enable us to use that personal information for the identified purpose.
Subscription Services and Activations
America Payments may offer activation of certain products and services like cellular plans, satellite services, or Internet services. These activations may require that certain contact and financial information be collected and provided to the respective service providers as part of the activation process. For example, a cellular carrier may need to perform a credit check prior to activation so a government-issued ID number and your credit card number may be provided to the carrier for that purpose.
America Payments operates customer support call centres to accept and address your questions, concerns, or complaints. When you contact our call centres, we may ask for personal information to help us respond to your inquiry or to verify your identity. For example if you have a question about the status of a recent online order, we will ask for personal information to verify that you are the account holder. We may also monitor or record your telephone discussions with our customer support representatives for training purposes and to ensure service quality.
- INFORMATION AMERICA PAYMENTS COLLECTS AUTOMATICALLY
In some cases, we automatically collect certain information.
Our Web Sites
When using our Web Sites, we may collect the Internet Protocol (IP) address of your computer, the IP address of your Internet Service Provider, the date and time you access our Web Sites, the Internet address of the Web site from which you linked directly to our Web Site, the operating system you are using, the sections of the Web Site you visit, the Web Site pages read and images viewed, and the content you download from the Web Site. This information is used for Web Site and system administration purposes and to improve the Web Sites.
The Web Site uses “cookies”, a technology that installs a small amount of information on a Web Site user’s computer to permit the Web Site to recognize future visits using that computer. Cookies enhance the convenience and use of the Web Site. For example, the information provided through cookies is used to recognize you as a previous user of the Web Site (so you do not have to enter your language preference every time), to offer personalized Web page content and information for your use, to track your activity at the Web Site, to respond to your needs, and to otherwise facilitate your Web Site experience. You may choose to decline cookies if your browser permits, but doing so may affect your use of the Web Site and your ability to access certain features of the Web Site or engage in transactions through the Web Site.
Web Site Tracking Information
Links to Other Web Sites
Our Web Site may contain links to other Web sites or Internet resources, which are provided solely for your convenience and information. When you click on one of those links you are contacting another Web site or Internet resource. America Payments has no responsibility or liability for, or control over, those other Web sites or Internet resources or their collection, use and disclosure of your personal information. We encourage you to read the privacy policies of those other Web sites to learn how they collect and use your personal information.
- DATA ON RETURNED PRODUCT
When returning products which may contain stored or recorded personal information, like computers, PDAs, digital cameras, etc., you are responsible for deleting or removing all personal information and media from your product before you return it. America Payments is not responsible for any use by a third party of personal data or media left behind on a returned item.
- SUPPLEMENTING INFORMATION
From time to time we may supplement information you give us with information from other sources, such as information validating your address or other available information you have provided us. This is to help us maintain the accuracy of the information we collect and to help us provide better service.
- DOES AMERICA PAYMENTS SHARE YOUR INFORMATION
America Payments does not sell or rent our customers’ personal information to any other party. However, in the normal course of business we may share some of your personal information within our corporate family and with third parties acting on our behalf or as permitted or required by law.
Some of these operations may result in personal information collected by America Payments being stored or processed outside of Canada and, as a result, your personal information may be accessible to law enforcement and regulatory authorities in accordance with the law of these foreign jurisdictions.
For example, we may share personal information with third parties to perform services on our behalf such as: fulfilling online orders, processing non-cash payments, sending marketing communications, servicing products, conducting research surveys, verifying and validating information that you have provided to us, delivering products, and providing customer support services.
America Payments has taken precautions to prevent the fraudulent use of your information on our Web Sites. America Payments has adopted industry standard authentication procedures to ensure your protection while shopping with us online. This includes, but is not limited to, contacting financial institutions or credit reporting agencies to ensure the authenticity of your credit card and to validate your credit card billing information.
Information Shared Amongst America Payments, its Corporate Parents, Affiliates, Subsidiaries and Divisions
Product Safety Recalls
In the event we receive notice from a manufacturer of a product safety recall, we may provide your contact information, limited to name, address, and telephone number, to the manufacturer so that they may notify you of the recall and supply details of any replacement or repair programs. This transfer or your contact information will occur only for recalls that may impact your personal safety or impair the functionality of the product you purchased from us.
Sale or Transfer of all or part of America Payments
America Payments may disclose your information as permitted or required by law. For example, we may be compelled to release information by a court of law or other person or entity with jurisdiction to compel production of such information. If we have reasonable grounds to believe information could be useful in the investigation of improper or unlawful activity, we may disclose information to law enforcement agencies or other appropriate investigative bodies.
- HOW DOES AMERICA PAYMENTS PROTECT YOUR INFORMATION
The security of your personal information is a high priority for America Payments. We maintain appropriate safeguards and current security standards to protect your personal information, whether recorded on paper or captured electronically, against unauthorized access, disclosure, or misuse. For example, electronic records are stored in secure, limited-access servers; we employ technological tools like firewalls and passwords; and we ensure our employees are trained on the importance of maintaining the security and confidentiality of personal information.
Our Web Sites use encryption technology, such as Secure Sockets Layer (“SSL”), to protect your personal information during data transport. SSL encrypts ordering information such as your name, address, and credit card number.
Our Web Sites have received a Cybertrust certificate to confirm that we have met with industry standard security protocols. For your online security, always verify you are on an authentic OptimizationMedia.com Web Site by clicking on the Cybertrust logo located in the lower right footer of our homepage or by using the certificate validation tools provided in your Web browser.
Choosing a Password
When you create an online account on our Web Sites, you need to select a personal password. To maximize your level of protection, you should choose at least 6 characters including a combination of both letters and numbers. You are solely responsible for maintaining the secrecy of your password and any account information. America Payments will never send an unsolicited communication asking you for your password or requesting that you update your account credentials. To learn more about email fraud, please click here.
- HOW CAN YOU VERIFY YOUR INFORMATION
You may check your information to verify, update, or correct it. If you created an account on one of our Web Sites, you can access and change your online account profile yourself. You can also ask to review any of the information that we have retained, how we have used it, and to whom we have disclosed it at any time by contacting us as indicated below under the heading “Contacting America Payments ”. Subject to certain exceptions prescribed by law, and provided we can authenticate your identity, you will be given reasonable access to your personal information, and will be entitled to challenge the accuracy and completeness of the information and to have it amended as appropriate.
- WHEN IS YOUR INFORMATION REMOVED?
We keep your information only as long as we need it for legitimate business purposes and to meet any legal requirements. We have retention standards that meet these parameters. We destroy your information when it is no longer needed, or we remove your personally identifiable information to render it anonymous.
- CONTACTING AMERICA PAYMENTS
America Payments is responsible for all personal information under its control. Our Privacy Manager is accountable for America Payments compliance with the principles described here. If you have any questions, concerns or complaints about the privacy practices of our organization please contact us at the following:
|Email:||Click here (please read the Important Reminder below)|
|Mail:||America Payments 1200 Bay Street Toronto, Ontario, Canada|
We will respond to your request or investigate your concern as quickly as we can, but no later than 30 days from the date of receipt of your query.
Important Reminder about email communications:
Please remember that email sent over the public Internet is not secure. If you send an email directly to us from your own email account the contents will not be encrypted. We strongly recommend that you do not send sensitive information (like a credit card number) to us via unencrypted email. America Payments is not responsible for any transmission by you of any personal information over the public Internet.
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- WHO IS AMERICA PAYMENTS?
America Payments eCommerce Credit Card Processing Company.
Last Update: April 4, 2018