Privacy Policy
TAC Financial, Inc., values the privacy and security of the information that you share with us. It is important that you understand how we collect, use, and maintain your information. This Privacy Policy explains our information practices, the choices you may make about how we collect and use your information, and the ways you may contact us.
We may change this Privacy Policy from time to time. Changes to this Privacy Policy are effective upon posting. Please check back periodically for updates.
Your Privacy is Important
We are committed to providing products, services, and offers of value to you and your family. We may use information from our interactions with you and other customers, and from other parties, to help us achieve that goal.
Our employees are informed of their responsibility to protect confidential customer information and are governed by a code of conduct that includes this confidentiality obligation. Appropriate disciplinary policies are in place to help enforce employee privacy responsibilities. The proper security procedures and internal monitoring are also in place to protect our customers' privacy.
We believe that the basis of each customer relationship is trust. Because you trust us with your personal information, we are committed to respecting your privacy and safeguarding your information. In order to retain your trust, we pledge to protect your privacy by adhering to practices intended to ensure that your Personal Information is handled in a safe, secure, and responsible manner.
Definitions
"Non-Identifying Personal Information" includes information about you, including, without limitation, your Internet service provider, browser type, domain name, the website that referred you to us, the web pages you request, the date and time of those requests, and entry and exit points.
"Personal Information" includes, without limitation, your name, address, other contact information (including e-mail address), and other individually identifiable information about you.
Collection and Use of Non-Identifying Personal Information
During your use of our internet website, we will collect certain Non-Identifying Personal Information to enhance the functionality of our website and to make your access more convenient and efficient. We retain Non-Identifying Personal Information and use it to establish the website activity trends, monitor website performance, improve website design and functionality, fulfill customer requests, inform current and potential customers and affiliates about our services, and for other business purposes.
Collection of Personal Information
TAC Financial, Inc. collects, retains and uses confidential Personal Information only where it is allowed by law and we reasonably believe it is useful in administering our business and in providing products, services and other opportunities to our customers. TAC Financial, Inc. receives and retains information about its customers through multiple sources. We limit the use and collection of this information to that which is necessary to maintain and administer financial services, provide excellent service, and offer new products and services that may be of benefit to our customers.
What We Collect
We may collect the following types of Personal Information about you:
- Information we receive from you on applications or other forms.
- Information about your transactions with our affiliates or us.
- Information about your transactions with non-affiliated third parties, including information that we may receive from consumer reporting agencies.
TAC Financial, Inc. does exchange information about our customers to reputable information reporting agencies, in accordance with standard industry practice, to maximize the accuracy and security of such information and verify the existence and condition of customers' accounts. We do not share specific personal customer information with independent companies for any other purpose without the customer's consent, except when required by law, regulation, or court order, and to third party litigants when required by lawful judicial process or court order.
Use of Personal Information
TAC Financial, Inc. may not use and disclose Personal Information other than for its own use or as otherwise explained in this Privacy Policy. We restrict access to your personal information to those persons who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your Personal Information.
Agents
We disclose Personal Information to other companies and individuals to perform functions for us under confidentiality agreements. These types of agents include mailing and delivery companies, marketing service providers, database managers, customer service representatives, and other agents who perform functions for or on our behalf. These agents may perform functions including, without limitation, analyzing data, supplying marketing assistance, providing search results and links (including paid listings and links), fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, processing card payments, and providing customer service. Where we disclose Personal Information to organizations that perform services on our behalf, we will require those organizations to use such information solely for the purposes of providing services to us and to protect the Personal Information with appropriate safeguards.
Affiliates
We have confidentiality agreements with our business affiliates to further ensure your privacy. We share your Personal Information with our affiliates for reasons that include, without limitation, sending order information and resolving customer comments or complaints.
Business Transfers
As we continue to develop our business, we might buy or sell business units. Personal Information is often transferred in these transactions, but it remains subject to the promises made in any pre-existing Privacy Policy.
Protection of TAC Financial, Inc. and Others
We may use or disclose Personal Information without your consent in certain circumstances:
- If we are required by law or by an order or requirement of a court, administrative agency, or other government entity, or by court rules concerning the production of records.
- If we have reasonable grounds to believe that use or disclosure is necessary to protect the rights, privacy, property, or safety of our customers or others.
- If we have reasonable grounds to believe that the information relates to a breach of agreement or violation of the law that has been, is being, or is about to be committed.
- If it is necessary for fraud protection, risk reduction, or the establishment or collection of funds owed to us.
- If it is necessary to enforce or apply our Terms of Use and other agreements, to pursue remedies, or to limit damages to TAC Financial, Inc.
- If the information is publicly available.
- For other reasons allowed or required by law.
Consent
We will obtain your consent to the collection, use, and disclosure of that information as described in this Privacy Policy. If you do not consent to our collection, use, or disclosure of your Personal Information as described in this Privacy Policy, then do not share Personal Information with us. However, we are unable to offer some services, like processing transactions, without Personal Information.
You may withdraw your consent at any time, subject to reasonable notice and legal or contractual obligations. To withdraw your consent, simply tell us of the Personal Information that you no longer wish us to collect, use, or disclose through the contact information listed below. However, we are unable to offer some services, like processing transactions, without Personal Information.
Privacy Online and Security
TAC Financial, Inc. combines technical and physical safeguards with employee policies and procedures to protect your Personal Information. We work to protect your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts the information that you provide online thru the TAC Financial, Inc. website. We will use commercially reasonable efforts to protect your Personal Information, continue to assess new technology for protecting information, and when appropriate, upgrade our information security systems.
Links to Other Web Sites
When you click on a link on our website that takes you to a website operated by another company, this Privacy Policy will no longer apply and you will be subject to that website's privacy policies.
Inactive and Closed Accounts
TAC Financial, Inc. will continue to adhere to the privacy policies and practices described in this notice even after your account is closed or becomes inactive.
To Change Information
If you would like to change a previous decision to limit direct marketing or sharing of non-identifying personal information, please inform us at help@theamericascard.com or visit the website listed on the back of your Card.
