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Bussness Sales Tips

Lincoln Jalandoni
In Bussness Sales Tips

Top seller tip: Introducing the concept of Credit Card Surcharge

Top seller tip: Introducing the concept of Credit Card Surcharge

The Elavon Credit Card Surcharge solution allows merchants to collect a surcharge when they charge credit card-paying customers—essentially lowering their costs of card acceptance.

We tapped into the experience of some of our salespeople who are most successful at selling this solution to glean tips that we’ll be sharing over the next three weeks.

This week’s question: When and how do you introduce the concept of Credit Card Surcharge to customers?   

Answer: Any time is fine time to approach customers about Credit Card Surcharge, but account reviews are an especially good opportunity—because it’s when customers may voice concerns about their card acceptance fees. 

To start a conversation about the solution, ask questions to identify their pain points and goals. These might include:

  • What are your main objectives with your card processing?
  • What do you want to accomplish?
  • If you could save money on card acceptance, how would you allocate those funds toward other things in your business?

Once you’ve identified their priorities, explain how surcharging can help them lower their credit card acceptance fees. You can build trust with your customer by establishing that you want to help them increase their profit margin.

For new customers, you can point out that Elavon offers flexibility in our processing fee structure—and surcharging is part of that. 

As you have this conversation, recognize that fees are an important issue for customers, and you’ve got a helpful solution to offer.

You can find Credit Card Surcharge sales support materials in the Partner Marketing Portal. Check back next week to find out what industries our top sellers advise for overcoming objections.

Certain state or local laws may restrict or limit the amount of the surcharge percentage. Although we offer surcharging in most states, Merchants are responsible for determining the legality of surcharging in their states, and merchants are liable if their activities are found to be unlawful. Credit card surcharge applies to credit card only, not available on debit cards.
Lincoln Jalandoni
In Bussness Sales Tips, Technology & Equipment

RTP network to raise transaction limit

RTP network to raise transaction limit

Funding even on bank holidays with True Daily Funding

With a calendar full of holidays ahead, now is a great time to remind your customers that they no longer have to work around bank holidays to access their cash when they need it.

Powered by the Real-Time Payments (RTP) network, Elavon’s True Daily Funding solution allows businesses to receive their funds within hours of a batch submission, seven days a week – even when banks are closed.

Beginning later this month, RTP will raise its transaction limit to $10 million – a tenfold jump from the current $1 million cap.

As long as the merchant’s bank is a participating institution, they can get access to their funds faster. At a time when more control over cash flow is critical to small- and medium-sized businesses trying to stay afloat, fast funding can help with making payroll, paying utilities, attending to unexpected emergencies or establishing more efficient business management practices.

Unlike some providers that offer a same-day funding option but charge a transfer fee of 1.75% of the batch each time the service is used, Elavon’s True Daily Funding solution has a competitive monthly fee instead of a hefty per-occurrence percentage fee.

Lincoln Jalandoni
In Bussness Sales Tips, Finance

Building your U.S. Bank Avvance elevator pitch

U.S. Bank Avvance

Are you ready to effectively communicate the benefits of U.S. Bank Avvance™ to merchants in just 60 seconds? Here’s a concise, impactful breakdown to help you showcase this point-of-sale lending solution.

Key Benefits of U.S. Bank Avvance™

  1. Boosts Buying Power:
    • Increases order size by 30-40%.
    • Improves checkout conversion rates by 30%.
  2. Customizable and Transparent Loan Offers:
    • Customers choose tailored loan options that fit their financial needs at checkout.
  3. Fast Payments for Merchants:
    • Receive full payment within 48 hours of the transaction.
    • No need to manage repayment plans—U.S. Bank handles it for you.
  4. Seamless Integration:
    • Works with existing checkout or invoicing solutions—no extra equipment needed.
  5. Consumer Appeal:
    • 45% of customers prefer financing to buy what they want without compromise.

How U.S. Bank Avvance™ Works

  1. Simple Invoicing:
    • Send customers an invoice at checkout.
  2. Fast Application Process:
    • Customers access a link to apply online and get a real-time credit decision.
  3. Smooth Completion:
    • Once approved, the customer selects a loan, and the sale is finalized.
    • Monthly installment payments are managed by U.S. Bank Avvance.
Lincoln Jalandoni
In Bussness Sales Tips, Partnerships, Technology & Equipment

How to report a problem with a terminal

How to report a problem with a terminal

When a customer experiences a problem with an Elavon payment terminal, we want to diagnose and fix the issue as quickly as possible. Reporting terminal issues promptly is critical, as they may prevent the customer from processing payments—significantly disrupting their business.

Here are the key steps involved in reporting a terminal problem:

1. Call Elavon
Customers experiencing a terminal problem can call our Customer Care team directly at 1-800-725-1243 and get help around-the-clock, 365 days a year. If you (a partner) want to contact us on the customer’s behalf, you can call the applicable number:

U.S. MSPs: 1-800-819-6019 (Option 1)
Canada MSPs: 1-866-849-3808

Whoever calls should know the merchant ID and be ready to describe the problem. Standard caller validation applies.

2. Be ready with the error message.
The most important information to provide when calling Elavon is the error message displayed on the terminal, as well as any additional details about the problem. The error message helps our team more quickly and accurately diagnose the issue and work to resolve it.

3. Expect prompt resolution.
Elavon’s team works as fast as possible to troubleshoot any terminal issues. If the problem can’t be resolved over the phone, Customer Care or Premier Service may arrange to ship the customer replacement equipment for next-day arrival to limit any disruption to their payment processing.

We want to ensure customers have a smooth, rewarding experience, so promptly resolving any terminal issues is very important to us.

Lincoln Jalandoni
In Business Services, Bussness Sales Tips, Finance

Boost your Cash Discounting sales adoption rate!

Cash Discounting program

It’s been a year since we launched Elavon’s Cash Discounting program, and we’ve learned what works best for merchants. If you’re looking for a simple solution to cut costs and enhance customer loyalty, cash discounting may be the right fit for your business.

Understanding Cash Discounting

Cash discounting is a pricing strategy where businesses offer a discount to customers who pay with cash. With Elavon’s fully compliant program, you can provide a 5% discount for customers who pay with cash, check, or store gift cards. This process is seamless, as your POS system will handle both cash and credit card pricing automatically.

Why Cash Discounts Are Growing in Popularity

According to CNBC, cash discounts have surged by 60% in the last decade. This trend shows that businesses are embracing the opportunity to save on credit card processing fees while passing these savings on to customers.

How to Introduce Cash Discounting to Your Customers

1. Lower Costs with Cash Discounts

For business owners aiming to reduce credit card processing fees, offering a discount for cash payments is an effective solution. You’ll save on fees while your customers appreciate the opportunity to save on their purchases.

2. A Compliant Alternative to Surcharging

In states with restrictions on credit card surcharges, cash discounting offers a legal and effective way to recoup some of those costs. Since cash discounts are allowed nationwide, it’s a great alternative for businesses in restricted areas.

3. Create a Flexible Payment Experience

Offering cash discounts doesn’t just help your business; it enhances the customer experience. Consumers love having options, and the ability to save with cash payments gives them the flexibility they desire.

Key Features of Elavon’s Cash Discounting Program

  • Compatible with Ingenico Tetra POS devices
  • Supports EMV Chip and PIN
  • Integrates with Commercial Card Optimization
  • Works with On Demand Funding

Save on transaction fees and provide more value to your customers with Elavon’s Cash Discounting program today!

Lincoln Jalandoni
In Bussness Sales Tips, Finance, Partnerships

Customer Loyalty Programs That Work with Platinum Payments Gift Card

Platinum Payments Gift Card

In today’s competitive marketplace, retaining customers is crucial. A well-designed loyalty program can help you build lasting relationships and encourage repeat business. With Platinum Payments Gift Card, you have a powerful tool to enhance your loyalty program and engage your customers more deeply. Here’s how to create a loyalty program that truly works:

1.Understand Your Customers’ Needs

The foundation of any effective loyalty program is understanding your customers. Analyze their purchasing habits, preferences, and feedback. This insight will help you design a program that offers rewards and incentives they’ll love. For example, if convenience is a priority for your customers, offer points for online purchases or exclusive access to new products through the Platinum Payments Gift Card.

2. Offer Meaningful Rewards

Rewards should be valuable enough to motivate participation. With Platinum Payments Gift Card, you can offer flexible rewards like discounts, free products, or special perks such as early access to sales. The key is ensuring the rewards enhance the customer experience and align with what your customers find most appealing.

3. Keep It Simple

Your loyalty program should be easy for customers to understand and use. Complicated rules or hard-to-redeem rewards can discourage participation. A straightforward points system, where customers earn points with every purchase and can easily redeem them via their Platinum Payments Gift Card, increases engagement and satisfaction.

4. Personalize the Experience

Personalization can elevate your loyalty program. Use customer data to offer personalized rewards, such as birthday discounts or tailored offers based on past purchases, which can be seamlessly delivered through their Platinum Payments Gift Card. This approach makes customers feel valued and encourages them to return.

5. Promote Your Program Effectively

Even the best loyalty program needs promotion. Use all your marketing channels—website, social media, email newsletters, and in-store signage—to highlight the benefits of your loyalty program and the convenience of the Platinum Payments Gift Card. Make it easy for customers to sign up and use their rewards.

6. Monitor and Adapt

Regularly monitor your loyalty program’s performance by tracking metrics like customer retention rates, average order value, and customer feedback. Use the flexibility of the Platinum Payments Gift Card to adapt and improve the program based on these insights, ensuring it continues to meet your customers’ needs.

By integrating the Platinum Payments Gift Card into a meaningful, simple, and personalized loyalty program, you can turn one-time buyers into loyal, repeat customers who will advocate for your brand.

Lincoln Jalandoni
In Bussness Sales Tips

Adapting to Changing Consumer Preferences

In today’s fast-paced world, keeping up with changing consumer preferences is exciting! Embrace the challenge and stay agile with these fun and actionable insights:

– Unleash the Power of Data

Data is like a treasure map to your customers’ hearts! Dive into analytics from social media, sales, and feedback to discover what they love. It’s your secret weapon for staying ahead of the game.
– Make Customers Your BFFs

Put your customers at the center of everything you do. Chat with them through surveys, focus groups, and direct interactions. Their feedback is pure gold for refining your products and services.

– Ride the Tech Wave

Stay cool by adopting the latest tech. Use AI and machine learning to predict trends and personalize experiences. Innovate your offerings to keep them fresh and exciting.

– Go Agile, Stay Nimble

Think of product development as a fun experiment. Use an agile approach to quickly prototype, test, and improve. Release MVPs (Minimum Viable Products) and let your customers help you make them extraordinary.
– Trendspotting

Keep your finger on the pulse of industry trends and competitor moves. Attend cool conferences, read the latest news, and follow influencers. Knowing what’s hot helps you stay ahead.
– Mix Up Your Marketing

Reach your audience in all the right places! Use social media, email, content marketing, and influencer partnerships to spread your message. Customize your approach to connect with different segments.
– Flexible Supply Chain

Keep your supply chain nimble and ready to adapt. Partner with suppliers who can quickly scale production and use intelligent inventory management to keep everything flowing smoothly.
– Go Green and Shine

Consumers love brands that care about the planet. Adopt eco-friendly practices and shout about them in your marketing. Being green makes your brand shine and attracts eco-conscious fans.
– Reward Loyalty

Create loyalty programs that make customers feel special. Offer personalized perks, exclusive product previews, and fantastic customer service. Loyal customers are your biggest cheerleaders.
– Never Stop Learning

Foster a culture of continuous learning. Stay updated on the latest consumer research and business strategies. Review and tweak your practices regularly to keep up with changing preferences.
By staying agile, proactive, and playful, you can adapt to changing consumer preferences and keep your business thriving in a dynamic market. Let’s make this journey exciting and fun!

Lincoln Jalandoni
In Bussness Sales Tips

I study and train mentally strong people for a living: Here are 7 things they never do

mentally strong people

Many experts consider emotional intelligence a predictor of success and satisfaction. I see it as just one important component of something more substantial and even more empowering: mental strength.

Mental strength is the ability to productively regulate your emotions as well as your thoughts and behaviors, especially in the face of adversity. I believe it is the success and leadership superpower of our times — the next EQ, only bigger.

I’ve studied and trained mentally strong leaders for decades and written my recent book on the subject. From my research and experience, I can tell you that mental strength is about what you must have the discipline to say and do, and to not say and do.

Mentally strong people never do these seven things:

1. They don’t wilt in the face of setbacks

Mentally strong people understand that we’re defined not by what knocks us down, but by how we get back up.

They treat mistakes as missteps, not “mis-leaps” — meaning they‘re careful not to exaggerate the negative impact of a setback.

Instead, they look for opportunities to learn and grow when facing adversity, and stay focused on the best way forward.

2. They don’t get caught in the ‘Static Trap’

The Static Trap is:

  • Failing to admit a problem exists, i.e., being static about it, ignoring signs of trouble, and doing nothing
  • Making excuses and pointing fingers to blame others when the issue is eventually acknowledged, like by creating static, or distortion, around what’s really happening
  • Continuing to be complacent or moving too slowly to address the real issue, remaining static even once it’s obvious something’s gone wrong

Tackling real problems is hard work. But mentally strong people aren’t daunted. They recognize the consequences of letting an issue fester. They don’t deny problems exist or bury their heads in the sand; they move quickly into problem-solving mode.

3. They avoid mistakes of motive

Being mentally strong doesn’t mean never making mistakes. It means acknowledging your mistakes, learning and growing from them, and not repeating them.

However, mentally strong people never make a mistake of motive. That means they don’t take ill-intentioned actions, like claiming credit for someone else’s work.

To avoid this, when you feel motivated to act from an unhelpful place or solely out of self-interest, pause and ask yourself, “Does my intent have integrity?” If not, change course.

4. They never get too wrapped up in getting respect — they just earn it

Focusing too much on whether you’re getting the respect you believe you deserve can lead you down an unproductive path. You can spend too much time trying to right how you were wronged, for example, or stewing about how much credit you get.

Instead, mentally strong people use the Give-Resist-Exude framework to focus on the actions that will ultimately earn them respect. Periodically ask yourself:

  • What can I give? It’s wise to focus on giving more than you get. Share praise, credit, and knowledge freely. Always put in that extra 10% effort. Give your word and keep it. And don’t expect respect if you don’t give it to others.
  • What should I resist? For example, credit-grabbing, gossip, negativity, and blaming.
  • What should I exude? Try professionalism, accountability, mastery, transparency, and authenticity.

Make your own list of what you want to give, resist, and exude, and the respect will roll in.

5. They don’t over- or underestimate their skills

Being mentally strong doesn’t mean you believe you’re great at everything you know a little bit about. Or, inversely, that you tamp down your belief in yourself in areas where you actually excel.

Inaccurate self-assessments in either direction can cause real problems. Overestimating your skills might mean going into an event underprepared and overconfident while underestimating your ability to succeed might mean shying away from career-enhancing projects and risks.

Mentally strong people are thoughtful and honest about assessing how good or bad they are at something before they do it, so they can seek out and get the support or confidence boost they need.

6. They‘re not wildly inconsistent

When your behavior and decisions fluctuate without rhyme or reason, it creates uncertainty. People become confused about what to expect from you and they might start to see you as unfair. Inconsistency can erode trust in relationships and create a “learned inertia” where people avoid interactions with you altogether.

Mentally strong people don’t act on unhelpful impulses. They manage their emotions so that their feelings don’t translate immediately into words and actions.

They‘re clear about their priorities and what they expect from others, and have a high say/do ratio — as in, they always (or almost always) follow through on doing the things they said they were going to do.

7. They don’t try to please everyone all the time

Constantly trying to please everyone around you can cause you to put up false fronts, hold back, and bury the authentic you. All of that can quickly lead to burnout.

Instead, do like mentally strong people do, and don’t try to be everything to everyone in your world.

Start with you. Ensure you’ve set healthy boundaries that allow you to take care of your needs. You’ll find better balance, feel more confident, and be able to help others more authentically.

Lincoln Jalandoni
In Business Services, Bussness Sales Tips

Create a Daily Action Plan: Maximize Efficiency and Minimize Burnout

Create a Daily Action Plan

In the fast-paced sales world, making cold calls is a crucial but often daunting task. Spending hours on the phone trying to connect with potential clients can be exhausting, leading to burnout and reduced productivity. To avoid this pitfall, it’s essential to create a daily action plan that balances cold calling with other important tasks. This strategic approach will not only help you conserve energy but also ensure you remain effective and enthusiastic during each call.

Why a Daily Action Plan is Essential

Let’s be honest: making cold calls for eight hours straight is unsustainable. The monotony and repetitive nature of this task can quickly lead to fatigue, diminishing your performance and motivation. Moreover, as a busy professional, you have various other responsibilities that require your attention. Without a structured plan, you might find yourself overwhelmed, struggling to juggle multiple tasks while maintaining the quality of your outreach efforts.

Benefits of a Structured Action Plan

1. Energy Conservation By breaking your day into manageable segments, you can avoid the dreaded burnout. Allocating specific times for cold calling ensures that you can approach each call with a fresh and positive mindset, which is crucial for making a good impression and increasing your chances of success.

2. Improved Focus A well-thought-out action plan allows you to focus intensely on one task at a time. When it’s time to make cold calls, you can concentrate solely on that activity without the distraction of other pending tasks. This focused approach can significantly enhance your efficiency and effectiveness.

3. Balanced Workload Integrating cold calling into a broader daily plan helps you balance your workload. You can allocate time slots for administrative tasks, follow-ups, meetings, and other critical activities. This balance ensures that no aspect of your work is neglected, leading to overall better performance and job satisfaction.

Creating Your Daily Action Plan

1. Identify Peak Energy Times Recognize when you feel most energetic and alert during the day. For many people, this might be in the morning, shortly after starting work, or after a short break. Schedule your cold calling sessions during these peak times to maximize your effectiveness.

2. Research Optimal Calling Times Understand your target audience’s schedule and determine when they are most likely to answer their phones. For example, if you’re targeting business owners, mid-morning or late afternoon might be ideal times to reach them. Align your calling schedule with these insights to improve your contact rates.

3. Set Realistic Goals Define clear and achievable goals for your cold calling sessions. Instead of aiming to make calls for an indefinite period, set a specific number of calls or a set duration, such as one to two hours per session. This approach makes the task less daunting and more manageable.

4. Include Breaks Incorporate short breaks between your calling sessions to recharge. These breaks can help you maintain high energy levels throughout the day and prevent mental fatigue.

5. Diversify Your Tasks Plan your day to include a mix of different activities. After a cold calling session, switch to a different task that requires a different skill set or less intense concentration. This variety can keep your day interesting and prevent monotony.

Actionable Tip

Set aside specific hours dedicated to cold calling, choosing times when you have the most energy and when your prospects are most likely to answer. For instance, you might schedule cold calls from 10 a.m. to 12 p.m. and then again from 3 p.m. to 4 p.m. During these periods, focus solely on making calls, and avoid multitasking. Outside of these hours, shift your attention to other tasks, ensuring a well-rounded and productive day.

Creating a daily action plan is a powerful strategy to enhance your productivity and maintain your well-being as a sales professional. By structuring your day and balancing cold calling with other responsibilities, you can perform at your best, avoid burnout, and achieve your sales goals more effectively. Remember, the key to success lies in working smarter, not harder.

Lincoln Jalandoni
In Bussness Sales Tips, Finance

Thriving Through Inflation: A Guide for Business Owners

Thriving Through Inflation

The change of seasons can often bring unexpected weather events. Inflation comes and goes—temporary and manageable with the right strategies. Here’s a practical guide to help you navigate inflation with confidence.

Embrace Cost Efficiency

  • Stay Proactive Regularly review your operational costs with enthusiasm. Now is your opportunity to refine operations and find ways to boost your bottom line.
  • Build Strong Relationships Strengthen ties with suppliers—it’s like building a business family. Negotiate smart deals to secure stable pricing.

Strategic Pricing

  • Highlight Value When adjusting prices, emphasize the value your products or services offer. Customers appreciate transparency and quality.
  • Offer Bundles Introduce bundled packages or premium options that give customers more value for their money.

Boosting Efficiency

  • Streamline Operations Look for ways to improve productivity and reduce costs. Embrace automation to free up time for creative projects and better customer service.
  • Go Green Invest in energy-saving solutions. They save money and show your commitment to sustainability.

Managing Cash Flow

  • Plan Ahead Keep cash flow forecasts updated to anticipate market changes. Be prepared for unexpected ups and downs.
  • Innovative Financing Explore refinancing options to secure favorable rates and stabilize finances.

Customer Relationships

  • Reward Loyalty Develop loyalty programs and special perks to show customers they are valued partners.
  • Highlight Uniqueness Showcase what makes your business stand out—excellent service, unique products, or community involvement.

Innovation and Growth

  • Explore New Opportunities Consider entering new markets or introducing innovative products that align with your brand.
  • Invest in Innovation Stay ahead by investing in new ideas and technologies that set you apart in any economic climate.

Staying Informed

  • Keep Up Stay updated on economic trends and regulations with a positive outlook. Remember, inflationary periods are temporary challenges.

Team Collaboration

  • Inspire Your Team Share your vision and encourage teamwork to enhance efficiency and workplace satisfaction.
  • Support Growth Invest in training and development to empower your team and foster long-term success.

Navigating Changes

  • Adapt Gracefully Embrace regulatory changes as opportunities to demonstrate your commitment to ethical business practices.
  • Plan Strategically Balance short-term adjustments with long-term goals to ensure sustainable growth and resilience.

Inflation is a passing phase, not a permanent obstacle. With optimism, innovation, and proactive strategies, you can thrive and emerge more robust than ever through inflationary periods. Embrace opportunities, cultivate strong relationships with customers and your team, and let your business shine through every challenge. Here’s to navigating inflation with confidence and achieving continued success!

Data Privacy Policy Agreement.

Applicant Privacy Policy
English


Legal Disclaimer
Effective Date: January 1, 2021
This Applicant Privacy Policy (the “Policy”) describes the practices of Platinum Operating Company, LLC d/b/a Platinum Payments (“Company”) regarding the information that is solely collected through the Platinum Workforce Now portal (“Careers Site”) in connection with your application for a job or internship with us.


1. CATEGORIES OF INFORMATION WE COLLECT THAT YOU PROVIDE
We may collect the following information from you in connection with your application through the Careers Site: Name, e-mail address, mobile number, work authorization status, resume, profile information (e.g. work experience, education, skills, licenses & certifications, and memberships), professional and other work-related licenses, permits and certifications, references, and any other information you elect to provide to us (e.g., employment preferences, willingness to relocate, current salary, desired salary, awards, or professional memberships).
If you do not provide sufficient information, we may be unable to consider your employment application.
However, please avoid submitting the following information that may qualify as sensitive information under applicable law, except where such information is legally required: information on race, religion, ethnicity, nationality or national origin, age, gender identity, sex life or practices or sexual orientation, marital status, medical or health information (including disability status), genetic or biometric information, biometric templates, political or philosophical beliefs, political party or trade union membership, background check information, judicial data such as criminal records or information on other judicial or administrative proceedings, and veteran status.
If the personal information you provide contains details of the information referenced in the preceding paragraph or your job evaluations or educational records, you authorize us to handle such details for the purposes of your job application.
Any information you submit through the Careers Site must be true, complete and not misleading. It is your responsibility to ensure that information you submit does not violate any third party’s rights.
If you provide us with personal information of a reference or any other individual as part of your application, it is your responsibility to obtain consent from that individual prior to providing the information to us.


2. USE OF INFORMATION / LEGAL BASIS
We collect and process information about you for the following reasons:
a) Because you voluntarily provide this information;
b) Because this information is necessary to take steps at your request prior to entering into an employment or internship;
c) Because this information is of particular importance to us and we have a specific legitimate interest under law to process it;
d) To comply with a legal obligation; or
e) Where necessary to protect the vital interests of any person.
The information that you submit on the Careers Site will be used for our personnel recruitment, management, and planning purposes, as permitted by local law, including:
• To process your application;
• To assess your capabilities and qualifications for a job;
• To conduct reference checks;
• To respond to your inquiries and communicate with you about your application, and to send you information regarding the Careers Site and changes to our terms and policies;
• To comply with or monitor compliance with any applicable law or regulation;
• To conduct background checks if we offer you a position; and
• To preserve our other legitimate interests, for example, for our administrative purposes, aggregate management reporting, internal training, and as generally required to conduct our business.
The information about you will be added to our candidate database. If you do not wish us to do this, please contactwendy.clawson@ptpay.us.
If we hire you, personal information we collect in connection with your application may be incorporated into our human resources system and may be used to manage the new-hire process; any such information may become part of your employee file and may be used for other employment-related purposes.
We may also use the information as we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to protect our legal rights and operations or the rights, privacy, safety or property, and/or of us, you, or others; and (e) to allow us to pursue available remedies or limit the damages that we may sustain.


3. DISCLOSURE OF PERSONAL INFORMATION
We may share personal information with affiliates and/or partners that are involved in and/or for performing pre-employment, post employment processes in compliance with state and federal law, evaluating candidates for a given position and to track employee and/or contractor performance and progress. We will make the information available to personnel with a business need to know the information, including personnel in the recruiting, human resources, and information technology departments, and in the department responsible for the position for which you are applying and for which you, if hired on an employee or contract basis, hold.
We may share personal information with third-party service providers who provide services such as hosting and operating the Careers Site, recruiting assistance, background check processing, Work Opportunity Tax Credit, eVerify, Equal Employment Opportunity Commission, and any other governmental programs the business elects for voluntary or compliance purposes and similar services.
We also may share personal information as we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to protect our legal rights and operations or the rights, privacy, safety or property, and/or of us, you, or others; and (e) to allow us to pursue available remedies or limit the damages that we may sustain.
We may transfer information in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings).
Disclosing your personal information may include transferring personal information to other countries (including countries other than where you are based that have a different data protection regime than is found in the country where you are based). If you are located in the European Economic Area (the “EEA”), this may include countries outside of the EEA.


4. DATA RETENTION
We keep your personal information for as long as needed or permitted in light of the purpose(s) for which it was obtained. The criteria used to determine our retention periods include (i) for as long as we have an ongoing relationship with you (such as an application process); as required by a legal obligation to which we are subject; or as advisable in light of our legal position (such as in regard of applicable statutes of limitations, litigation, or regulatory investigations).
We may remove personal information for inactive accounts, subject to any applicable legal or regulatory obligations. Furthermore, we may delete personal information about you (including your CV/résumé) from our database at any time and without providing any reason. Therefore, please retain your own copy of the personal information provided to us.


5. PASSIVE INFORMATION COLLECTION: COOKIES AND TRACKING TECHNOLOGY
When you visit the Careers Site, we collect certain information by automated means. Cookies are small text files that websites send to your computer or other internet-connected device to uniquely identify your browser or to store information or settings in your browser. Cookies allow us to recognize you when you return. They also help us provide a customized experience and enable us to detect certain kinds of fraud. In many cases, you can manage cookie preferences and opt-out of having cookies and other data collection technologies used by adjusting the settings on your browser. All browsers are different, so visit the “help” section of your browser to learn about cookie preferences and other privacy settings that may be available.
We also use Flash Cookies (also known as Local Stored Objects) and similar technologies to personalize and enhance your online experience. The Adobe Flash Player is an application that allows rapid development of dynamic content, such as video clips and animation. We use Flash Cookies for security

purposes and to help remember settings and preferences similar to browser cookies, but these are managed through a different interface than the one provided by your web browser. To manage Flash Cookies, please see Adobe’s website at http://kb2.adobe.com/cps/526/52697ee8.html or visit www.adobe.com. We do not use Flash Cookies or similar technologies for behavioural or interest based advertising purposes.
Pixel tags and web beacons are tiny graphic images placed on website pages or in our emails that allow us to determine whether you have performed a specific action. When you access these pages or open or click an email, the pixel tags and/or web beacons generate a notice of that action. These tools allow us to measure response to our communications and improve our web pages and promotions.
We collect different types of information. For example, we collect information from the device you use to access the Careers Site, your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. Our server logs also record the Internet Protocol (“IP”) address assigned to the device you use to connect to the Internet. An IP address is a unique number that devices use to identify and communicate with each other on the internet. We may also collect information about the website you were visiting before you came to us and the website you visit after you leave the Careers Site.
In many cases, the information we collect is only used in a non-identifiable way, without reference to personal information. For example, we use information we collect about website users to optimize the Careers Site and to understand website traffic patterns. In some cases, we associate the information we collect with your personal information. This Policy applies to the information when we associate it with your personal information.

Although the Careers Site currently does not have a mechanism to recognize the various web browser Do Not Track signals, we do offer individuals choices to manage their preferences that are provided in the previous sections above. The Careers Site does not collect personal information about an individual’s online activities over time and across different websites when a consumer uses the Careers Site. To learn more about browser tracking signals and Do Not Track please visit http://www.allaboutdnt.org/. We use Google Analytics as a third-party vendor. For information on how Google Analytics uses data, please visit “How Google uses data when you use our partners sites or apps”, located at http://bit.ly/2jXZ13Y. We also use Pendo as a third-party vendor. For information on how Pendo uses data, please visit https://www.pendo.io/privacypolicy/.

 

6. ACCESS AND CORRECTION
If you register on the Careers Site, you may access, review, and change your personal information stored therein by logging into the Careers Site and updating your account information. However, if you have authenticated your login via a mobile number or email address, such information cannot be updated in the same login session.
We encourage you to promptly update your personal information if it changes or is inaccurate.
Apart from information contained in your profile, where permitted by applicable law, you may request (i) access to personal information we collect, (ii) its modification or suppression, (iii) that we restrict its processing, (iv) that we cease using it (objection right); (v) that we transfer personal information to you or another organization in a structured, commonly used and machine-readable format (right to data portability), and/or (vi) that we not sell any such information. Please email us at wendy.clawson@ptpay.us
or contact us at 1483 Wall Ave, Ogden, UT 84404 with any such requests.
For your protection, we may only implement requests with respect to the information associated with the particular email address that you use to send us your request, and we may need to verify your identity before implementing your request. We will try to comply with your request as soon as reasonably practicable. Please note that certain personal information may be exempt from such access, correction, or suppression rights pursuant to local data protection laws.


7. SECURITY
We use reasonable organizational, technical and administrative measures to protect personal information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the “Contact Us” section below.
We hereby disclaim, as far as permitted by local laws, any liability for us and our affiliates and contractors for any personal information we collect in connection with your application that is lost, misused, illegally accessed, disclosed, altered or destroyed or not timely delivered to our Careers Site.

 

8. LINKS TO THIRD-PARTY WEBSITES
The Careers Site may contain links to other websites. This Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any website or service to which the Careers Site links. The inclusion of a link on the Careers Site does not imply endorsement of the linked site or service by us. We encourage you to read the legal notices posted on those sites, including their privacy policies.


9. LAW APPLICABLE TO JOB APPLICATION
This Careers Site is operated from ADP Workforce Now in Dallas, TX. Accordingly, any personal information you submit to the Careers Site will be collected in ADP Workforce Now in Dallas, TX and will be subject to state of Texas laws.
The Careers Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.


10. ABOUT CHILDREN
The Careers Site is not intended for individuals under the age of 18.


11. CHANGES TO THE POLICY
We reserve the right to amend this Policy at any time in order to address future developments, the Careers Site, or changes in industry or legal trends. We will post the revised Policy on the Careers Site or announce the change on the homepage of the Careers Site.
You can determine when the Policy was revised by referring to the “Last Updated” legend on the top of this Policy.
Any changes will become effective upon the posting of the revised Policy on the Careers Site. By continuing to use the Careers Site following such changes, you will be deemed to have agreed to such changes.
If you do not agree with the terms of this Policy, in whole or part, you can choose to not continue to use the Careers Site.

 

12. CONTACT US
If you have questions or requests, please feel free to contact us at info@ptpay.us or USPS address at 1483 Wall Ave, Ogden, UT 84404.