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International Processing & Fulfillment, Inc. the marketer of the Spend Plus
Respects Your Privacy
At Spend Plus, we recognize that the trust of our customers is one of our most important assets. As such, our primary goal is to deliver innovative payment products and world-class service while ensuring the integrity and sanctity of our customer's privacy. The following outlines some of the steps that we take on a daily basis to ensure that our customer's information is secure, private, and used only in a manner consistent with our customer's wishes.
We will safeguard, according to our strict standards of security and confidentiality, any and all information our customers share with us. We use advanced security techniques and processes designed to protect the integrity and privacy of our customer's information, particularly when this information is used by our employees and partners to provide customer service.
We collect nonpublic personal information about you from the following sources: (i) Information we receive from you on applications or other forms, (ii) Information about your transactions with us, or others such as your account balance, transaction history, parties to transactions and Card usage, and (iii) Information we received from third parties, including government agencies, consumer-reporting agencies such as your tax identification number and credit worthiness and credit history. We advise our customers about the general uses of the information we collect about them, and we will gladly and promptly provide additional explanation if our customers request it.
We may disclose aggregate information about our customers and former customers to third parties with whom we may have a joint marketing agreement, or those companies who perform marketing services on our behalf. This includes all information we may collect directly or indirectly from you.
We will permit only authorized employees, who are properly trained in the appropriate handling of sensitive customer information, to have access to that information, and only if required by their business responsibilities. Employees who violate our Privacy Policy are subject to our disciplinary process, up to and including termination.
We give our customers choices as to how their information is used, if at all. We provide our customers with the opportunity to remove their names used for mail, telephone or online marketing upon initial customer contact and subsequently on an annual basis. This opt out choice includes products and services offered by Spend Plus and our affiliate marketing partners, and customers may easily opt out by contacting us via U.S. mail or telephone.
Except as outlined above, we limit the release of customer information. In addition to providing our customers with the opportunity to opt out of marketing offers, we release information only with the customer's consent or request, or when we are required to do so by law or other regulatory authority. When a court order or subpoena requires us to release customer information, we notify the customer promptly in order to provide the customer with the opportunity to exercise their legal rights. The only exception to this policy is when we are prohibited from notifying the customer by law or due to a court order, or in cases in which fraud, money laundering and/or criminal or illegal activity is suspected.
We quickly respond to our customer's requests for explanation. In the event that we deny service or choose to end a customer's relationship, and to the extent permitted by applicable laws, we will provide a prompt and detailed explanation if requested.
We will notify our customers in the event that our privacy policy changes. If our privacy policy is modified, we will attempt to notify our customers of these changes via email, U.S. mail or via telephone. As customers do now, they will continue to have a choice as to whether or not they allow us to use their information in this different manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our web site (www.spendplus.com) notifying users of said change(s). In some cases where we post the notice we will also email users, who have opted to receive communications from us, notifying them of the changes in our privacy practices.
Updating customer information. Should customers need to update any information they have previously supplied to us, they may contact Spend Plus Customer Service at 1-866-766-4514 or 1-480-282-9546 from 8 AM to 4 PM PST, Monday through Friday, excluding Holidays.
If you wish to opt out of our, and our partner's, marketing offers, please contact us via U.S. mail at the following address:
Card Services, SPC
Attn: Customer Service, PMB 271,
14700 N. Frank Lloyd Wright Blvd., #157,
Scottsdale, AZ 85260
1-866-766-4514 or 1-480-282-9546
The information above applies to all of our customers, including those that transact primarily on the Internet.
Our website requires the use of cookies, pieces of information that a website places in a file associated with our customer's browser, that may be used to deliver content specific to their interests and for other purposes, such as security and other account administrative functions. For example, cookies are used to store customer preferences for certain types of information so that they do not have to input it every time they visit our site. Spend Plus cookies are encrypted and do not contain nor track personal identifying information; none will contain information that will enable anyone to contact our customers via telephone, e-mail or any other means.
Please note that Spend Plus can serve as a gateway for shopping at merchant sites, most of which also use cookies to deliver content specific to our customer's interests and for other purposes, such as security, promotional preferences and administrative functions such as shopping cart functionality. Spend Plus cannot control merchant sites use of cookies or be held responsible for those merchant's policies regarding the use of cookies.
Spend Plus Corporation also participates in the Council of Better Business Bureaus' BBBOnLine Reliability Program. For more information about BBBOnLine® Reliability Program, please see: BBBOnLine (http://www.bbbonline.org).
Spend Plus collects "referrers" information, IP addresses, and various environmental variables.
- A "referrer" is information the Web browser passes along to Spend Plus's Web server that references the URL from which the customer came.
- The "IP address" is a number used by computers on the network to identify the customer's computer so that data can be transmitted to them.
- "Environmental variables" include, among other things, the domain from which customers access the Internet, the time they accessed our Web site, type of Web browsers and operating system or platform used, the Internet address of the Web site they left to visit Spend Plus, the names of the pages they visit while at our Web site, and the Internet address of the Web site they subsequently visit.
This information is collected to enhance web site security and to detect broad member trends.
Security
The Spend Plus website has security measures in place to protect the loss, misuse and alteration of the information under its control. All personal and account activity information collected on and used by the spendplus.com web site is not accessible by the public or via the Internet. All accesses to our databases wherein personal information is kept are logged for security purposes and access is limited to key personnel. All personal information, account activity and purchasing activities are protected via user names and passwords. All user-specific activities (those that are accessed during and after a user logs-in with their user name and password) are protected using a secure communications encryption technology called SSL.
SSL (Secure Socket Layer) is a security feature that creates an encrypted connection between the client (your computer) and our server (spendplus.com), which prevents the interception and inappropriate use of this critical data. Transactions through a server using SSL are far safer than using a credit card at other retail establishments. It is much easier for credit card thieves to sift through trashcans at banks or retailers than to harness the genius and super computing power necessary to decrypt the small bits of secure data transmitted during an SSL connection. The point is that our customer's greatest risk for exposure of personal or financial information and transactions is NOT the use of properly secured sites such as spendplus.com, but rather from information made available by their everyday activities.
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