PRIVACY POLICY

This Privacy Policy and our Terms and Conditions govern your use or access of the website with the domain name www.fasterpaymentscouncil.org (the “Site” or “Website”) of the U.S. Faster Payments Council, Inc. (“FPC”, “we,” “us” or “our”) and any services provided through the website (collectively, the “Service”). The Terms and Conditions and the Privacy Policy apply both before and after you register for an account with us, if you choose to so register. By accessing or using our Site or Service, you represent that you are eighteen years of age or older, that you have read our Terms and Conditions and our Privacy Policy, that you understand them, and that you agree to be bound by and comply with them. If you do not agree to be bound by them, you may not access or use the Site or any part of the Service.

Your acceptance of this privacy policy constitutes your consent to us emailing you in accordance with the terms of this Privacy Policy and our Terms and Conditions.

This Privacy Policy describes how information about you is collected, used, and disclosed by us when you access or use our Site or Service. FPC reserves the right to change or modify this Privacy Policy at any time and in our sole discretion. If we make changes to this Privacy Policy, we will provide notice of such changes, such as by sending an email notification, providing notice through the Service or updating the “Last Updated” date at the end of this Privacy Policy. We encourage you to review this Privacy Policy frequently and whenever you use or access the Service or otherwise interact with us to stay informed about our information practices and the ways you can help protect your privacy.

Collection of Information:

Information You Provide to Us.

We collect information you provide directly to us. For example, we collect information when you register for an account with our Service, participate in a survey, communicate with us via third party social media service, request customer support, sign up for our newsletter, submit an application via the Site or by email, or otherwise communicate with us. The type of information we may collect from you includes: (A) For our Service: (i) your first and last names, (ii) your state of residence, (iii) your zipcode, (iv) your email address, (v) your company’s name and address, (vi) your title with the company, and (vii) any other information you may provide to us in an application, and (B) Other information you choose to provide, such as when you participate in a survey or interactive area of the Service, or when you request technical or customer support.

Information We Collect Automatically. When you access or use the Site or Service, the types of information we may automatically collect about you include:

  1. Log Information: When you use or access our Site, our servers automatically record your Internet Protocol (“IP”) address.
  2. Information Collected by Cookies and Other Tracking Technologies: We and our service providers may use various tracking technologies, including cookies and web beacons, to collect information about you when you interact with our Service, including information about your browsing behavior. Cookies are small data files stored on your hard drive or in device memory that help us improve the Service and your experience, see which areas and features of the Service are popular, and count visits. Web beacons are electronic images that may be used in the Service or emails and help deliver cookies, count visits and understand usage and campaign effectiveness.

Use of Information: We, including our employees, service providers, and contractors, may use information about you for various purposes, including to:

  1. Provide, maintain, and improve the Service;
  2. Respond to your comments, questions, and requests;
  3. Provide customer service, including to contact you if there is a problem with your registration, for feedback on our services, about changes to our Service or any products or services we offer or provide through our Service;
  4. Monitor and analyze trends, usage, and activities in connection with the Service;
  5. Detect, investigate, and prevent fraudulent transactions and other illegal activities and protect the rights and property of FPC and others; and
  6. For our internal marketing purposes.

If you provide us with your information and request that we contact you about our Service, you may receive periodic emails or other marketing communications.  If at any point in time you do not wish to receive such emails or other communications please let us know by sending an email to the address below or click “unsubscribe” or do as instructed in any email or other communication from us.

Sharing of Information: We may share information about you with third parties as follows or as otherwise described in this Privacy Policy:

  1. With third-party service providers or contractors for non-marketing purposes to enable us to provide services to you through the Service, including to help manage and maintain our website and databases and with third parties who assist us with direct mailing, email communications, and other business operations;
  2. If we believe your actions are inconsistent with our Terms and Conditions or other policies, or to protect the rights, property or safety of FPC or others;
  3. In connection with, or during negotiations of, any merger, acquisition, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of FPC’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceedings; the recipient of your information may subsequently use your information under the terms of their own privacy policies, which may differ from this Privacy Policy, but you will receive the opportunity to opt-out of such use if the recipient’s privacy policy allows a more expansive sharing of your information than this Privacy Policy;
  4. Between and among FPC and any current or future parent, subsidiary and/or affiliated organization; and
  5. In response to a request for information if we believe disclosure is in accordance with, or required by, any applicable law, rule, regulation or legal process; and
  6. In any other manner with your consent or at your direction.

We strive to ensure that any third parties with whom we share your information will provide at least the same level of protection as this Privacy Policy offers.

We also may share with third parties aggregated or de-identified information, which cannot reasonably be used to identify you, but which may be used for marketing purposes. WE DO NOT SHARE YOUR PERSONAL INFORMATION WITH UNAFFILIATED THIRD PARTIES FOR DIRECT MARKETING PURPOSES, with the exception of the use of cookies with respect to our website.

Advertising and Analytics Services Provided by Others: We may allow others to serve advertisements on our behalf across the Internet and to provide analytics services. These entities may use cookies, web beacons and other technologies to collect information about your use of the Service and other websites, including your IP address, web browser, pages viewed, time spent on pages, links clicked and conversion information. This information may be used by us and others to, among other things, analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on the Service and other websites and better understand your online activity. For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit www.aboutads.info/choices.

We use Google Analytics, which is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Links to Other Sites: Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Credit Card Information: We do not receive or store any credit card information. Any credit card information you provide for registration for an account with the Service or to make a purchase is collected and processed by a third-party processor and is subject to that third-party processor’s own privacy policy. You should read that third-party’s privacy policy before you provide any credit card information.

Security: The security of your personal information is important to us. FPC takes reasonable measures to help protect information about you from loss, theft, misuse and unauthorized access, disclosure, alteration and destruction. Please understand, however, that no security system is impenetrable. Like other organizations, FPC cannot guarantee 100% the security or confidentiality of the information you provide to us. Consequently, while we endeavor to safeguard your personal information against unauthorized access and disclosure, we do not warrant or guarantee the absolute security of any personal information you transmit to, from or through the Service. In particular, email sent to or from the Service may not be secure, and you should therefore take special care in deciding what information you send to us via email. If you share your computer or mobile device or use a computer that is accessed by the general public, remember to sign off and close your browser window when you have finished your session. This will help to ensure that others cannot access your personally identifiable information. In the event of a breach of the confidentiality or security of your personally identifiable information, we will notify you as required by law, if reasonably possible and as reasonably necessary so that you can take appropriate protective steps. We may notify you under such circumstances using the e-mail address(es) we have on record for you or through alternative means, or as otherwise required by law. You should also take care with how you handle and disclose your personally identifiable information. Please refer to the Federal Trade Commission’s Web Site at http://www.consumer.ftc.gov/ for information about how to protect yourself against identity theft. Please note that once you leave the Service during your browsing activity, whether independently or via links from the Service, the privacy policies of the site to which you migrate will apply. This Privacy Policy applies to your interactions with our Service only.

Your Choices:

Account Information. Individuals with a registered account may correct or update the personal information within the Service by logging into their account. Others who may want to correct or update their personal information may do so by contacting us by email, mail or phone using the contact information below.  If we use any of your personal information in a manner that you believe is inconsistent with this Privacy Policy, please contact us so that we may correct such inconsistency. If you wish to deactivate your account, please email us at info@fasterpaymentscouncil.org. We may continue after deactivation to store the limited information collected about you in connection with your account as required by law or for legitimate business purposes as stated in this Privacy Policy.

Cookies. Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject cookies, but note that doing so does not necessarily affect third party flash cookies used in connection with our Service. For more information about disabling flash cookies, see http://www.adobe.com/products/flashplayer/security. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of the Site or Service – the Site or Service may not be accessible. In addition, many web browsers support Do Not Track technology. If you enable Do Not Track, FPC will not use information about your web viewing activities to tailor your online experience on other Service operated by FPC. Note, however, that our third party advertising providers may continue to use information about your web viewing activities to tailor advertising to your interests across different aspects of the Service even when you have Do Not Track enabled in your browser.

Children. We do not knowingly collect any personal information from children under the age of 13. We do not intend that our Service be used by children. We request that children under the age of 13 not use or access any functionality of the Service or submit any personal information through the Service. If we are advised in writing that we have inadvertently received or collected personal information from a child under 13 years of age, we will remove such information from our database.

Your California Privacy Rights. In addition to the other rights described in this Privacy Policy, California law permits residents of California to request certain details about how their information is shared with third parties for direct marketing purposes. Under the law, a business must either provide this information or permit California residents to opt in to, or opt out of, this type of sharing. You have the right to submit a request to FPC and receive the following information within 30 days of its receipt of that request: (1) the types of personal information disclosed to third parties during the immediately preceding calendar year, (2) the names and addresses of third parties that received the personal information, and (3) if the nature of a third party’s business cannot be reasonably determined from the third party’s name, examples of its products or services. You are entitled to receive a copy of this information in a standardized format. Information provided will not be specific to you individually. All such requests must be in writing and sent to us at info@fasterpaymentscouncil.org. FPC permits California residents to opt out of having their information shared with third parties for direct marketing purposes. If you are a California resident, you may request this information once per calendar year by writing to us at info@fasterpaymentscouncil.org. In addition, please see the section on “Cookies” above for information regarding our “Do Not Track” policies.

International Users. OUR OPERATIONS ARE CONDUCTED WITHIN THE UNITED STATES. OUR SITE AND SERVICES ARE INTENDED FOR USE BY RESIDENTS OF, OR VISITORS IN, THE UNITED STATES ONLY. OUR SITE AND SERVICES ARE NOT INTENDED FOR USE OR ACCESS OUTSIDE OF THE UNITED STATES, ALTHOUGH WE DO NOT GENERALLY PROHIBIT USE OF THE WEBSITE BY OR PROVISIONING OF ANY OF THE SERVICES TO ANYONE OUTSIDE OF THE UNITED STATES. If you access the Website from outside of the United States, your connection may be through and to servers located in your country or in the United States, or even in other countries where our service providers may process data. Any personal information you provide may be processed and maintained in the United States on servers and/or other network systems operated by or for our benefit. Regardless of where you live, your use of the website constitutes your affirmative consent to have your personal information transferred, processed and stored in the United States, and to allow us to use and collect your personal information in accordance with this Privacy Policy. IF THE JURISDICTION IN WHICH YOU ARE LOCATED OR YOUR COUNTRY OF ORIGIN HAS LAWS OR REGULATIONS WHICH REQUIRE THAT YOUR PERSONAL INFORMATION BE RECEIVED USED, SAVED, TRANSFERRED AND/OR OTHERWISE HANDLED IN A MANNER DIFFERENT THAN AS STATED IN THIS PRIVACY POLICY, THEN YOU ARE NOT AUTHORIZED TO UTILIZE THE WEBSITE AND ANY SERVICES WE MAY PROVIDE. IF YOU ACCESS THE SITE OR SERVICE FROM AND/OR RESIDE OUTSIDE OF THE UNITED STATES, YOUR INFORMATION MAY BE STORED, TRANSMITTED AND SHARED IN ACCORDANCE WITH U.S. PRIVACY AND DATA PROTECTION LAWS WHICH MAY NOT BE EQUIVALENT TO THOSE IN EFFECT IN YOUR COUNTRY. YOU EXPRESSLY AGREE THAT YOU WILL NOT USE THE WEBSITE OR ANY OF OUR SERVICES WITH ANY EXPECTATION OF GREATER PRIVACY RIGHTS THAN THOSE TO WHICH YOU HAVE EXPRESSLY AGREED AS STATED HEREIN AND IN THIS PRIVACY POLICY.

Governing Law: This Privacy Policy shall be governed by laws of the state of Delaware. Jurisdiction for any claims arising under this Privacy Policy shall lie exclusively with the state or federal courts within the state of Delaware.

Contact Us: If you have any questions about this Privacy Policy, the practices of the Service, or your dealings with the Service, you can contact us by mail, email or phone at:  info@fasterpaymentscouncil.org.