Check Savers ("we") is dedicated to being your bill payment or merchant account provider. As such, we understand the importance of safeguarding your personal information. We are providing this statement to inform you about the types of information we may collect from you, and how we may use or disclose that information in connection with your business relationship with Check Savers. This privacy statement applies to consumers who are our clients or former clients. This privacy statement applies to personal information, which is non-public information about our clients that we may obtain while providing a financial product or service.

How we protect your personal information
We restrict access to information about you to those employees who need to know the information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your personal information.

How you can help protect your personal information
You should not share your account information or passwords with others. We encourage you to notify us promptly if you suspect the confidentiality of your personal information has been compromised or if you believe your personal information needs to be corrected or updated.

Our Privacy Policy and Practices recognize the trust you have placed in us. We are committed to preserving that trust and we will work hard to safeguard the confidentiality of your personal information. Of course, we reserve the right to modify this policy to reflect any changes or enhancements that we make to those protections. If we do make modifications, we will let you know promptly.

How and why we collect personal information
You provide personal information to us so that we may help you try to meet your payment or acquiring goals. Such information allows us to process your requests and transactions, keep you apprised of products and services that may be of interest to you and enhance customer service by better understanding your needs.

Information We Collect
We may collect information about you from the following categories and sources:

• Information you provide to us on applications or other forms (examples include name, address, social security number, assets and income).

• Information about your transactions with us, our affiliates or others (examples include your account balances, payment history, debit card usage).

• Information collected from your browser when you visit our websites and your browser interacts with them.

• Information we receive from consumer reporting agencies (examples include your credit worthiness and credit history).

As required by the USA PATRIOT Act, we also collect information and take actions necessary to verify your identification.

Persons Under Age 18
Because of the financial nature of the services we provide, we do not market our Website to persons under the age of 18. 

Sharing information within the Check Savers Partner Companies
In an effort to better serve your needs and to inform you about the products and services Check Savers offers, we may share personal information, such as the information described above, within our partner companies. You have the option to limit our sharing of certain information with our affiliates and our affiliates' right to market to you based on certain information we share with them.

Affiliate Sharing Opt-Out: The Fair Credit Reporting Act allows you the opportunity to limit the sharing of "nonexperience" information with our partner companies. Such information includes information that is used, expected to be used or collected for the purpose of establishing your eligibility for merchant services, bill payment and related products and services, and is not related solely to your transactions or other communications with us. If you would prefer that we not share nonexperience information, you may direct us not to share this information by calling us at 1-813-384-2300 or write us at Check Savers, Attn: Privacy Officer, 206 Apollo Beach Blvd., Apollo Beach, FL 33572.

If you opt out of our sharing of "nonexperience" information, we may still share information relating solely to your transactions or other communications with us with our affiliates.

Affiliate Marketing Opt-Out: Federal law gives you the right to limit some but not all marketing from our affiliates. You may limit our partner companies, from marketing their products and services to you based on certain information that we collect and share with them. This includes both "experience" and "nonexperience" information that we have, including your income or financial status, your account history with us and your credit history. If you do not want our partner companies to market to you based on this information you may opt-out of this marketing at any time by calling us at 1-813-384-2300 or write us at Check Savers, Attn: Privacy Officer, 206 Apollo Beach Blvd., Apollo Beach, FL 33572. Your choice to limit marketing offers from our affiliates will apply indefinitely unless you notify us otherwise.

Regardless of these opt out elections, we may still share information in other ways that are permitted by law, for example, as needed to service your relationship with us.

Sharing information outside Check Savers Partner Companies
We may share your personal information as described above with certain nonaffiliated third parties such as:

To the extent that we share your personal information as described above with service providers or joint marketers, such disclosures will be subject to an appropriate, contractual confidentiality pledge, and solely for the purpose and only to the extent necessary to carry out the contractual purposes, or as otherwise permitted or required by law.

Furnishing Negative Information
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Changes to Our Privacy Statement
This Privacy Statement and our practices are subject to change. If we make a material change to this Privacy Statement, including a material change in the way we use your personal information, we will notify you by using one of the following methods at least thirty (30) days prior to the effective date of such change: (1) we will post a notice on our Web site describing the change; or (2) we will hand deliver or send you regular or electronic mail notifying you of the change. As required by law, Check Savers will provide notice of our Privacy Commitment annually, as long as you maintain an ongoing relationship with us. To receive the most up to date Privacy Commitment, you may visit our Web site at www.checksavers.com or call us on 813-384-2300