Skip to main content
Category

Merchant

Pipeline Gardening: Nurture, Prune, and Harvest

Sales pipeline management is essential because sales pipelines require consistent care to remain productive. Much like a garden, a pipeline grows stronger when it is maintained regularly. Sales pipeline management helps reps nurture promising opportunities, remove stagnant leads, and focus on quality prospects, often resulting in more closed deals over time.

Nurture the Opportunities That Show Potential

Not every lead is ready to move forward immediately. Some prospects need additional information, follow-up conversations, or time to evaluate their options. This is where nurturing becomes important; effective sales pipeline management ensures these prospects are given the attention they require.

Checking in periodically, answering questions, and providing helpful insights can help move these opportunities forward naturally. Small actions like sending a helpful resource or scheduling a follow-up conversation can keep a deal alive while building trust with potential clients.

Prune the Pipeline When Necessary

One of the most common mistakes reps make is holding onto deals that are no longer realistic. Just like trimming dead branches helps a plant grow healthier, removing stalled opportunities helps clarify your pipeline. Furthermore, sales pipeline management also involves periodically pruning these opportunities for optimal results.

If a prospect has gone silent for an extended period or repeatedly postpones conversations, it may be time to move the opportunity out of your active pipeline. Doing this allows you to focus your time and energy on prospects who are truly interested.

Harvest the Deals That Are Ready

A well-maintained pipeline allows you to identify opportunities that are approaching the finish line. When deals are ready, quick action and clear communication can help move them across the closing stage.

Reps who stay organized often recognize these moments earlier and can respond quickly when a prospect is ready to proceed.

Consistency Is the Key to Growth

The strongest pipelines are not built in a single day. They grow through consistent effort and regular attention. Taking a few minutes each week to review your pipeline, schedule follow-ups, and update opportunity stages can make a significant difference over time. Moreover, implementing sales pipeline management processes ensures a pipeline grows steadily.

Just like tending a garden, the results come from steady care and patience.

By nurturing the right opportunities, pruning outdated leads, and harvesting deals at the right moment, sales professionals can maintain a healthy pipeline that continues to grow month after month. In conclusion, sales pipeline management is the foundation for sustained sales success.

How to Stay Energized During Shorter Days: A Complete Guide

stay energized during shorter days

As the days grow shorter and winter sets in, many people notice a drop in energy, motivation, and mood. Reduced daylight and colder temperatures can disrupt your body’s natural circadian rhythms, leading to fatigue, brain fog, and even seasonal affective disorder (SAD). But staying energized during shorter days is possible — and it starts with understanding how your body responds to light, nutrition, movement, and routine.

1. Leverage Natural Light for Energy and Mood

Sunlight is the most powerful cue for your circadian rhythm. Even a short 10–20 minute exposure in the morning can help reset your body clock, increase alertness, and elevate mood. If mornings are dark, consider a light therapy box with 10,000 lux intensity for 20–30 minutes. Position it at an angle that doesn’t glare directly into your eyes.

SEO Tip: Include keywords like “winter energy tips,” “stay energized in winter,” and “short days fatigue.”

2. Prioritize Consistent Sleep

Shorter days often lead to longer sleep periods, but inconsistent sleep schedules can backfire. Aim to wake up and go to bed at the same time daily, even on weekends. Quality sleep boosts energy, concentration, and immunity. Try incorporating melatonin-friendly habits, like dimming lights an hour before bed and avoiding screens to signal to your brain that it’s time to rest.

3. Optimize Nutrition for Sustained Energy

Winter cravings often skew toward heavy carbs and comfort foods, which can lead to mid-day crashes. Instead:

  • Protein: Lean meats, eggs, legumes, or dairy stabilize blood sugar and prevent fatigue.

  • Complex Carbs: Whole grains, root vegetables, and oats provide steady energy release.

  • Healthy Fats: Avocado, nuts, seeds, and olive oil support brain function.

  • Micronutrients: Vitamin D, magnesium, and B vitamins are critical in winter for mood and energy. Consider a winter supplement if needed.

Pro Tip: Eat smaller, more frequent meals rather than two or three large meals to prevent energy dips.

4. Stay Physically Active

Even short bouts of movement increase circulation, improve oxygen flow to the brain, and release endorphins — all natural energy boosters. Recommended strategies include:

  • 5–10 minute micro-breaks at work for stretching or walking.

  • Morning or lunchtime walks for sunlight exposure.

  • Winter-friendly indoor exercises like yoga, resistance training, or treadmill sessions.

Advanced Tip: Combining light exposure with exercise in the morning can amplify circadian alignment, improving sleep and energy throughout the day.

5. Hydration Matters More Than You Think

Cold weather reduces your perception of thirst, but dehydration still impacts cognitive function and energy. Aim for at least 2–3 liters of water daily. Warm teas and broths also count toward hydration and help maintain body temperature.

6. Incorporate Strategic Caffeine Use

Caffeine is useful for boosting alertness, but timing is key. Consume coffee or tea in the morning or early afternoon to avoid disrupting sleep. Pair caffeine with protein or complex carbs to extend its energy benefits without spikes and crashes.

7. Use Environmental and Behavioral Tricks

  • Bright, warm lighting indoors: Mimics daylight, helping fight drowsiness.

  • Standing desks or adjustable workstations: Reduce fatigue from prolonged sitting.

  • Temperature regulation: Cooler rooms (around 68–70°F) can increase alertness, while overly warm rooms induce sleepiness.

  • Background movement or music: Light activity or stimulating music can improve focus.

8. Mental Energy Matters Too

Shorter days can affect mental clarity. Combat this by:

  • Breaking large tasks into smaller chunks.

  • Scheduling high-focus work during peak energy hours (usually mid-morning).

  • Practicing mindfulness, breathing exercises, or a 5-minute “reset break” to recharge your mental energy.

9. Supplementary Support for Winter Energy

  • Vitamin D3: Many people are deficient during winter; supplementation supports mood and immunity.

  • Omega-3 Fatty Acids: Found in fish or algae oil, supports brain function.

  • Adaptogens (optional): Ashwagandha or Rhodiola may improve fatigue and stress resilience.

10. Create a Personalized Energy Routine

Everyone’s response to light, food, sleep, and activity is slightly different. Track your energy patterns for a week: note sleep quality, diet, exposure to daylight, and exercise. Use this data to optimize your daily routine, prioritize what works, and eliminate what drains you.

Upselling and Cross-Selling Strategies That Actually Work

Upselling and Cross-Selling Strategies

Upselling and cross-selling strategies are essential sales strategies that go beyond increasing revenue—they enhance customer satisfaction, provide real value, and strengthen long-term relationships. Implemented effectively, these techniques can significantly boost sales performance and customer lifetime value.

What is Upselling?

Upselling encourages customers to purchase a higher-end version of a product or service they’re already considering. The key is to focus on value, not cost. Highlight features and benefits that solve problems or improve outcomes. For example, a customer choosing a basic software plan may benefit from a premium plan that offers additional tools, analytics, or support. Consultative upselling positions you as a problem solver rather than a salesperson pushing a pricier option.

What is Cross-Selling?

Cross-selling involves recommending complementary products or services that enhance the customer’s original purchase. Understanding the customer’s goals and pain points is critical. For instance, a client buying a laptop may also need accessories, warranties, or software tailored to their needs. Effective cross-selling strategies feel like a natural solution extension rather than an added cost.

Best Practices for Upselling and Cross-Selling Strategies

  1. Personalize Recommendations: Use CRM data, purchase history, and preferences to tailor suggestions for upselling and cross-selling.

  2. Educate, Don’t Pressure: Explain how the upgrade or add-on creates real value. Knowledge-based selling builds trust.

  3. Time Strategically: Offer upsells or cross-sells at logical points, such as product selection, checkout, or post-purchase follow-up, applying both strategies to boost results.

  4. Bundle Solutions: Package related products or services to create compelling offers using upselling and cross-selling strategies.

  5. Use Social Proof: Customer testimonials, case studies, and usage examples validate your upselling and cross-selling strategies suggestions.

  6. Track Results: Monitor which strategies convert best and refine your approach with data insights.

Advanced Tips

these strategies aren’t limited to products—they work for services, subscriptions, support packages, or educational offerings. For example, offering premium onboarding for software increases adoption and satisfaction while driving additional revenue.

When applied thoughtfully, upselling and cross-selling strategies create win-win scenarios: customers receive tailored solutions that meet their needs, and businesses grow revenue without aggressive selling. Strategic, personalized, and value-driven recommendations are the key to mastering these sales techniques.

What to Do When Sales Slow Down: 4 Smart Ways Reps Can Build Momentum

what to do when sales slow down

Sales can be unpredictable. Some months are packed with meetings and deals. Others? Crickets. Knowing what to do when sales slow down can help manage these fluctuations effectively.

If you’re a rep experiencing a lull — fewer calls, fewer replies, prospects saying they’re too busy — it doesn’t mean you’ve lost momentum. It means it’s time to shift your approach.

The best sales reps don’t waste slow weeks — they turn them into fuel for future success.

Here’s how you can do exactly that:

1. Clean and Optimize Your Sales Pipeline

Now is the perfect time to take a deep dive into your CRM and revisit every open lead. Look for:

  • Prospects who ghosted after a proposal

  • Contacts who said “check back in a few months”

  • Old leads that got lost in the shuffle

Send a light-touch message like:
“Just checking in — are you still considering payment solutions, or did your plans change?”

These re-engagement emails often bring quiet leads back to life.

Quick pipeline tips:

  • Tag and sort leads by priority or industry

  • Remove cold or unresponsive contacts to stay focused

  • Set new follow-up dates for warm leads so they don’t go cold again

A clean, well-organized pipeline helps you move faster when business picks back up.

2. Use Downtime to Refine Your Sales Pitch

Busy weeks don’t leave room for improvement — quiet ones do.

Use the extra time to review and tighten your pitch. Focus on:

  • Your opening line — does it grab attention fast?

  • Your product explanation — is it clear and benefits-focused?

  • Objection handling — are you prepared for the common roadblocks?

Tip: Build pitch variations for different industries.

Selling to salons? Mention booking and tipping features.
Selling to restaurants? Focus on speed, mobile payments, and offline mode.
Tailored messaging builds trust and shortens the sales cycle.

3. Build Relationships, Not Just Leads

Business owners might not be ready to buy right now — but they’ll remember who checked in.

Reach out without pitching. Ask how things are going. Touch base with past clients or referral partners. Try:
“Hey, no sales talk — just checking in. Hope your summer’s going well. Still busy in the shop?”

This builds loyalty and keeps you top of mind for when they are ready.

And remember: relationship-based reps get referrals — even from prospects who never closed.

4. Plant Seeds Now to Harvest Later

Even if your calendar is light now, every small action you take builds momentum for next month.

Use this time to:

  • Schedule follow-up calls or demos for next quarter

  • Write scripts or cold email templates for better outreach

  • Learn new details about your product, pricing, or target industries

  • Study competitors to sharpen your edge

You don’t need to close deals to move forward.
You just need to keep moving.

Final Thoughts

Sales slowdowns aren’t setbacks — they’re strategic openings.

This is when you do the work that average reps skip.
Clean your system. Strengthen your message. Build relationships.
And above all, prepare yourself for the wave to return — because it always does.

PCI DSS: A Critical Part of Fraud Protection

PCI DSS

In today’s landscape of increasing fraud, the Payment Card Industry Data Security Standard (PCI DSS) is more important than ever for business security. Educating customers about PCI DSS can strengthen relationships and improve retention.

What is PCI DSS?

PCI DSS encompasses technical and operational requirements for security management, policies, procedures, network architecture, software design, and other protective measures. These are crucial for preventing credit card fraud, hacking, and other security threats.

Why Educate Customers?

Educating customers about PCI DSS helps them understand the value of these standards in maintaining secure payment environments. For self-education, refer to the PCI Compliance and Validation QRG. Share this resource with customers new to the topic. For those with a basic understanding, recommend the Merchant Resources page on the PCI Security Council website for deeper insights.

Importance of PCI DSS Annual Validation

PCI DSS validation is a snapshot in time. As businesses evolve, their security measures must adapt. Encourage customers to conduct periodic reviews and revalidate their compliance regularly to stay protected.

Customer Tips for Securing Payment Devices

With increased foot traffic in warmer weather, remind customers to secure their point-of-sale terminals:

  • Location Matters – Place payment devices in easily monitored and controlled areas.
  • Secure Devices – Use cable trays and securing mechanisms.
  • Alarm Systems – Physically secure and alarm all remote or self-service payment environments.
  • Routine Inspections – Maintain a list of all payment devices and inspect them regularly for tampering or substitution.
  • Secure Storage – Store devices securely when not in use, such as in a locked cabinet or under surveillance.
  • Record Attributes – Document the serial number, model, operating system, and authorized user information for each device.

Reporting Lost or Stolen Devices

If a payment device is lost or stolen, customers should:

  • Contact Law Enforcement – File a police report and retain it for further instructions.
  • Notify Premier Services – Report the incident and request the Terminal ID (TID) be deleted from the host to prevent transactions.
  • Replace the Device – Submit an Add Equipment Services (AES) request to replace the missing device.

Benefits of Reporting Security Events

Reporting incidents allows Elavon to evaluate the impact and take necessary actions, such as account notifications or closures, to protect personal information. Failure to report can expose businesses to reputational risks, negative press, and dissatisfied customers.

Educating customers about PCI DSS and the importance of securing their payment devices is essential in today’s fraud-prone environment. By promoting regular validation and security measures, businesses can maintain strong, secure relationships with their customers.

Reasons to use Integrated Payments

Integration graphic

An integration software

Reasons to use integrated payments most people open their businesses because they are passionate about specific services or products. However, accepting payments is one of the most significant pieces to operating a business, and one of the most cost-effective ways is to take advantage of integrated payments.

Here are a few reasons to consider using integrated payments for your business.

Reduced Human Error

When data input becomes repetitive, the chance of human error increases; it takes one number difference when keying in a transaction. Using an integrated payment option eliminates the risk for you.

Safe and Secure Software

Having EMV, tokenization, and end-to-end encryption provides a higher standard of security. Tokenization takes the place of sensitive cardholder information that the issuing bank can only unencrypt during authorizations. To maintain customers’ trust, you must ensure that privacy and security are constantly updated. An integrated payment option provides customers with just that while creating loyalty to your business.

Real-Time Updates

Gone are the days of spending hours on accounting and extra trips to the bank. An integrated payment means your money will go to the correct account and update the balance within minutes unless you like waiting for checks to clear.

Cash Flow

An integrated software payments speed up cash flow meaning more money in your account is streamlined.
More ways to pay means more transactions and better cash flow. Adding online payments increases the opportunity to process transactions 24/7 whether the office is closed or customers need to make installment payments. In addition, having a more stable cash flow allows you to earn cash flow-dependent decisions such as maintenance.

Schedule with a Payment Professional by calling 866-921-2982 and find even more reasons to use integrated payments!

Check out our affiliate partner program for more information on implementing an integrated payment system combined with your software for increased revenue and growth potential.

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.