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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.

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!

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.

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!

Boost Your Business on St. Patrick’s Day: Top Tips for Success

St. Patrick's Day business tips

Hey there, Lucky Charms! Ready to Sham-rock Your Business this St. Patrick’s Day?

With St. Patrick’s Day just around the corner, businesses have a golden opportunity to tap into the festive spirit and boost their bottom line. Whether you run a restaurant, retail shop, or service-based business, there are plenty of ways to capitalize on this vibrant St. Patrick’s Day celebration. So, grab your green garb and let’s dive into these top St. Patrick’s Day business tips for turning your business into a pot of gold this St. Paddy’s Day!

1. Embrace the St. Patrick’s Day Theme:

Let’s start by infusing some St. Patrick’s Day flair into your business! Deck out your storefront with green colors, shamrocks, leprechauns, and other Irish symbols. Trust me, creating a festive atmosphere will catch the eye of passersby and draw them in faster than a four-leaf clover!

2. Offer Lucky St. Patrick’s Day Promotions:

Who can resist a good deal, especially on St. Patrick’s Day? Treat your customers to some lucky discounts and exclusive offers. Think “lucky” promotions like 17% off or buy-one-get-one-free deals on green-themed products. After all, a little extra luck never hurt anyone!

3. Host Sham-rockin’ St. Patrick’s Day Events:

Let’s get the party started with some sham-rockin’ events! Whether it’s live music performances, themed happy hours, or family-friendly activities, creating a buzz around your business is key to attracting crowds. So, dust off your dancing shoes and get ready to show your customers a good time!

4. Create Limited-Time St. Patrick’s Day Menu Items:

If you’re in the food and beverage industry, why not whip up some Irish-inspired dishes or drinks? From corned beef and cabbage to Guinness-infused desserts, tantalize your customers’ taste buds with some St. Paddy’s Day delights. Trust me, they’ll be lining up for a taste of Ireland!

5. Collaborate with Others to Spread the St. Patrick’s Day Cheer:

Partnering with local businesses is a great way to amplify your St. Patrick’s Day offerings. Joint promotions, co-hosted events, or collaborations on themed products, joining forces can help you reach new customers and spread the St. Paddy’s Day cheer far and wide!

6. Engage on Social Media with St. Patrick’s Day Excitement:

Get ready to sham-rock social media with some St. Patrick’s Day excitement! Share behind-the-scenes peeks, run contests or giveaways, and encourage user-generated content with hashtags like #StPatricksDay or #LuckOfTheIrish. Trust me, engaging with your audience online will help boost your brand visibility and drive foot traffic to your business!

7. Offer Green-themed Products or Services:

Introduce some St. Patrick’s Day goodies tailored to the holiday! Whether it’s green-themed merchandise, Irish-inspired spa treatments, or DIY kits for at-home celebrations, get creative and give your customers something special to celebrate with. After all, who doesn’t love a little green magic?

8. Extend Hours or Offer Delivery to Cater to St. Patrick’s Day Celebrations:

With St. Patrick’s Day revelers out and about, consider extending your business hours or offering delivery options. After all, many people will be celebrating late into the evening, so staying open later can help you capture additional sales. And offering delivery or takeout options? Well, that’s just a pot of gold at the end of the rainbow!

9. Show Appreciation to Employees for Their Hard Work on St. Patrick’s Day:

Last but not least, don’t forget to show some love to your hardworking staff! Consider giving them themed uniforms or accessories to wear on the day. And why not offer incentives or bonuses for employees working during the holiday? After all, a little appreciation goes a long way!

By embracing these strategies, you’ll be well on your way to turning your business into a pot of gold this St. Patrick’s Day hope that this business tips help. So, dust off your greenest attire, raise a glass of Guinness, and get ready to celebrate a successful St. Paddy’s Day for your business! Cheers to that, my lucky friend!

Improve Your Company’s Performance

Ideas To Improve Your Company's Performance

1. Be a leader and a role model

As a business owner or a manager, you must set a standard for a strong work ethic and productivity for your colleagues and employees in the office through your efforts.

Even if you don’t notice it, you are your colleagues’ team leader and role model.

They look up to you, and if you don’t work hard daily and show results for the effort, why should they?

Actionable tips:

  • Always take accountability & responsibility for projects.
  • Display a strong and organized work ethic.
  • Support all of your employees and guide them accordingly.

2. Communicate with your employees

Communicating clearly and effectively with your employees is the most important key to maximizing their overall performance.

In other words, if you feel like an employee is struggling, offer your help, communicate, and ask questions until a solution is found.

The idea is to create a working environment where the employees are not afraid to communicate and ask for your help.

Actionable tips:

  • Update your employees weekly with what is happening in the business, as that will help in tough times of uncertainty.
  • Have coffee breaks or chat meetings with your employees, where you can talk about problems, help them out when needed, or answer any random questions that they may have.
  • Create an environment where your employees feel comfortable asking for your feedback, review, or whatever.
  • Be genuinely interested in them as professionals on a personal level. This will increase the level of loyalty, work performance, and trust.

3. Provide constructive feedback

Providing regular feedback to your employees based on their performance at the workplace is an essential part of your professional and business relationship.

Without it, your employee won’t know what they are good at or what they need to work on to be better at their job.

One of the best opportunities you will have as a manager or a business owner to provide more in-depth constructive feedback is during progress-related meetings. Your employee will not only take it seriously but will also know exactly what direction to take to be better at their job.

Actionable tips:

  • Provide feedback on as many pieces of work as possible, regardless of how large or small a project is.
  • Discuss what could have been done better and if there is a faster and more efficient way to do a task.

4. Organize and optimize tasks

Typically, if you are in the service industry, your employees will work with you for around 8 hours a day, five days a week. Those 40 hours a week might seem like a lot, but they aren’t.

You’d be surprised to know that over 5 hours on average get wasted by employees waiting for meetings or on other employees every single week.

So, optimizing teamwork processes and removing or improving meetings that are a waste of time can lead to more extraordinary overall performance from your employees.

Actionable tips:

  • If meetings are useless or take up too much time, you can optimize them or remove them.
  • Establish meetings and collaborations between the different departments. This way, employees that don’t typically work together can benefit from each other.
  • Only set up sessions or meetings that are necessary and cannot be done through an e-mail or a phone call.

5. Provide good judgment

At times, we all express our biased opinion or judgment on a particular topic, which can often cause conflict.

As a business manager, you should always be right in the middle and provide a good and fair judgment in every situation.

Other employees around you will see that you are reasonable with your judgment which will make them feel confident in their decision to come to you for advice if something is bothering them.

Actionable tips:

  • Always see both sides of every story. This will help you to make a fair judgment in every situation.
  • Listen more and allow yourself some time to think about your final decision.

6. Let employees learn even from mistakes

Whether it is in the workplace or at home, everyone makes mistakes. It is the most standard human trait. What is vital for you to do as a manager or business owner is to help your employees learn from their mistakes.

Your employee in question will not only appreciate your help but will also work extra hard to ensure that the same mistake doesn’t happen again.

Actionable tips:

  • Give your employees proper guidance for their mistakes if you find it necessary. This way, they will learn from them moving forward.
  • Boost their confidence by encouraging them. This will very quickly restore the smile on their face so that they can get on with their work.
  • Judge each mistake individually and always set a line for what is restricted and where they can have their freedom in making mistakes.

7. Ask questions

If you see an employee struggling or not performing to the level they usually do, go over and ask them if you can help.

Make them feel like they are not alone and that they can trust you. We are not robots, and we all have emotions and problems that could affect our work performance.

Showing care and sympathy is the least you can do to brighten someone’s mood and bring them back to their optimal work ethic.

Actionable tips:

  • Always ask questions when one of your employees is struggling or not performing well. Usually, all they need is a quick chat.

8. Compliment your employees

As people, we love being admired and complimented.

It is simply in our nature and is something employees appreciate. It doesn’t take much to tell your employees that they have done a great job after a big project.

As a business owner or a manager, it is your responsibility to keep your workforce happy and satisfied.

Without them, your business will not exist.

Actionable tips:

  • Give credit where deserved. After a long project, going over to your team and individually congratulating them for their hard work is the least you can do. It will have a massive impact on their confidence and performance moving forward.

9. Provide an enjoyable working environment

No one enjoys working in a messy and outdated environment.

It will indirectly affect your employee performance as the only thing they would want at times is just to leave and go home.

So, providing an enjoyable working environment that your employees get excited to go to in the morning will have a significant effect on their mood and, ultimately, their performance at work.

Actionable tips:

  • Purchase a pool or table tennis table for the office where your employees can relax their minds and engage in activities with colleagues during their break.When making such an investment, you should take into consideration where you will place the activity within your office, as you don’t want your employees on a break to be distracting everyone else.
  • Ensure that all working stations are modern and look great. Usually, you can hire a designer to take care of organizing your office space in accordance with the current trends for optimal employee performance.
  • Ensure that there are plenty of plans and enough daylight in the office. It is proven that sunlight and plans can better work performance and sharpen focus.

If you like this check out 11 tips to improve workplace communication Or check the our other blogs below!

Card Declines

A few things can cause checkout anxiety, but I say the top two are not being able to put your change away fast enough before the next customer and being greeted with a significant fat decline across the receipt. Most of us have had it happen for tons of various reasons at one point or another. credit card declines

No one likes a decline message, so customers must be shown some discretion while finding an alternative. Business owners need to be prepared to handle such situations; luckily, most declines are resolved efficiently. Losing a sale may be a disappointment but having that customer ditch your business for another based on poor handling of a crappy situation is a worse fate.

Visa and Mastercard report an average of 15% of recurring payments are declined, but the rate can be double that for some industries. In addition, there is a wide array of reasons why a card may be denied. When a card is declined, it is by the issuing bank, processor, or the payment gateway.

Types of Card Declines

Hard decline

This happens when the bank doesn’t approve the transaction. Reasons could be related to a maxed-out credit card, data entry error, or fraud. This situation calls for a new payment method; trying to rerun it will yield nothing.

Hard declines typically need the payment card information to be updated regardless of the number of retries attempted.

Soft decline

A soft decline happened when the bank authorized the payment, but the transaction failed elsewhere. Think of it as a relay race rat race if the last person doesn’t complete their leg, the team is disqualified and doesn’t cross the finish line. The steps that occur at each transaction can fail with no fault of the consumer or the issuing bank. Soft declines are usually resolved by trying the traction again. Just remember trying more than three times is not a good practice.

Types of soft declines

Insufficient Funds

This happens when the customer does not have sufficient funds in their account to cover the transaction. This is the most common and most embarrassing for the customer to experience.

Unusual Purchase
Sometimes when a purchase is made out of your home state or doesn’t align with past buying behavior, the banking institution will flag and block the transaction to negate fraud. Then, a quick phone call or visit to the app (if they have one) can verify the purchase or travel notice allowing the customer to continue as usual.

AVS or Billing Address Issue
For card-not-present transactions, online payment gateways require extra validation to prove that the transaction is a legitimate credit or debit card used. Banks will typically block transactions outside of that card’s billing address.

Types of hard declines

Stolen or fraudulent card
The bank will mark a card as stolen or fraudulent, so it will be blocked when a purchase is attempted, whether for in-person sales or online transactions.

Invalid card
Usually, the result of a typo, invalid card declines, concerns about incorrect card numbers, CVV verification numbers, or other card details.

Reasons behind a credit card decline

The user met the credit limit.

If there isn’t enough available credit, the card will be declined.

Large purchases
An account can get flagged for a large purchase. If it seems outside of the customer’s normal spending behavior, it can trigger fraud and freeze the account, which declines the transaction.

Expired Card

An expired card will always end in a failed transaction. This is because the card network cannot process a card that has expired.

Missed payments
If you have a less than stellar credit history and are a few days past due on your bill, any attempted transaction would be declined. Not only does the missed payment hurt your credit score, but it also can prevent you from using the card.

Check the customer’s information.
Sometimes if the numbers were keyed in, they could have been transposed or off just a little. Confirm with the customer that the billing and zip code and the CVV code are correct.

Confirm the card is valid
Check the information on the card to make sure it lines up correctly. We use the same card for years, so it can expire without us even realizing it. If the information is correct, the customer must contact their bank and use an alternative payment method.

Should you try the transaction again?
A declined card will not go through no matter how many times you swipe it. The best solution is to have the customer call the card issuer to find the potential issue. Once that has been resolved, you can rerun the card.

Widen your payment options
Offering multiple payment options such as digital wallets can help expand your customer base.


In a survey conducted by CompareCards.com, one in five American consumers has declined a credit card at least once in the past 12 months. That is more than 40 million people!

Treating customers with discretion and being gentle with the situation regardless of the decline will help customers feel at ease. Approximately 15% of shoppers will go to a different retailer after experiencing a decline, causing merchants to lose out on a sale. By being as respectful and helpful to find a resolution as quickly as possible will help your customers feel that they are in a safe and judgment-free environment. 

Is A Cash Advance Right For You?

Cash Advance Request

I don’t want to find a new way to grow your business, stay up to date with software and tech, or hop on the latest marketing trend. – Said No One. Ever.

Have you ever thought about utilizing a merchant cash advance to slingshot your business forward? It will give you the ability to have the cash flow you need to make all the changes you’ve dreamed of. Instead of stressing about how to get working capital, you could just opt for a merchant cash advance instead.

Perks of a Merchant Cash Advance


1. Quick Funding


We understand that time is money so our turnaround time is 2-3 days maximum but trending with same-day approvals. Timing is critical and the improved cash flow can make all the difference for your business.

Think of it like this, 1 in 5 small businesses get approved for business loans, however, they had to wait 3-4 weeks for that loan to process, then were restricted from certain purchases. That won’t help you if you are an auto shop that needs to buy parts or a doctor’s office that needs to order supplies. A cash advance takes that entire risk out of the equation when you wait a maximum of 2-3 days to get the funding there are no more missed opportunities and the flexibility to fit the needs of your business.

2. Subpar Credit Is A’OK

The odds of getting a merchant cash advance VS trying to obtain a traditional business loan are in your favor. The application is simple to do and we’re not worried if your credit score is a bit under the weather, you could still qualify. All you need to do is prove your credit card sales match the loan amount, this way we know you can pay the advance back.

3. There’s No Set Payment Amount

Since this isn’t a loan there isn’t a set monthly payment or payment terms. Basically, you are agreeing to trade part of your future credit card sales for a chunk of cash now. Repayment is so easy you will hardly notice it’s there with daily payments made off a percentage of revenue for the day or paying monthly with the benefits of sliding scale payments based on your revenue.

4. Use the Money However You’d Like

Business loans come with restrictions attached when it comes to how the money is spent. For example, the Small Business Administration’s 504 loan program can’t be used for inventory while the microloans cannot fund paying off debt or buying real estate. When you’re limited to what you can buy it makes it difficult to be able to meet the business’s needs. If you want to pay off $20,000 in debt and spend another $100,000 on building renovations we can help you make that a reality. The ability to be flexible is a huge advantage.


Let’s talk and see if a merchant cash advance can help you reach that next level.

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.