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Merchant

Jodi Goddard
In Business Services, Merchant

To Host, or Not To Host?

To Host, or Not To Host?

Hosted payment gateway

What happens when you click “Buy Now”?

Hosted payment gateway: Either you listen to your bank account, close the browser and move on, or you pull out another credit card and buy the thing you didn’t know you needed until that moment. While that is going on, you are also most likely leaving the merchant’s website and are then redirected to a third-party processor. Now that you’ve landed safely on a secure payment page you can enter the needed information to complete the transaction and get back to checking for shipping updates. 

 

From a business owner standpoint, the data never passes through their website directly – the entire transaction is processed by our external servers, so essentially we are taking care of the backend payment and data processing so Mr. Merchant doesn’t have to –  Ahem, less liability for the win!

 

Still not convinced? 

 

According to a 2020 Global Consumer Insights Survey done by PWC, 86% of consumers are likely to continue to shop online/by phone when social distancing measures are removed. If you are looking to add online payment options, now is the time! Trying to catch up with trends gets harder the further behind you get.

 

We have the solutions for you to better care for your customers,

are you ready to get off the fence?

 

 

What Are the Benefits of a Hosted Pay Page?

 

  • Compatibility – Can be integrated with a wide range of various solutions.

  • Easy To Use – The entire set-up process is as simple as copy and pasting one line or two of code.

  • Simple checkout process:  The simple checkout ensures that customers won’t bail on the purchase because of a long and confusing checkout process.

  • Multiple Functions – The ability to offer various supported methods and currencies. Most people prefer to use digital wallets like Google Pay, by not offering that you will have higher shopping cart abandonment rates.

  • Cost-Effective – It is expensive to obtain their own PCI certifications. Hosted payment pages can save the merchant upwards of $50,000-$100,00.

  • Security – Customers’ credit card information is submitted and processed securely through the hosted payment page.

  • Customization – The page can be customized to your wildest dreams-ish. Having the payment page match your webpage helps customers will see it as being trustworthy and inline with your brand.

  • Simple checkout process:  Easy checkout safeguards you from customers bailing because of a long and confusing checkout process.

 

Now that we have established your need for a Platinum Payments hosted gateway, go ahead and call to schedule a time to meet with a Payment Professional and make that a reality. Not only will they help you streamline and enhance your business, but they will also make sure that you are PCI compliant all while giving you a rate guarantee!

 

Hosted payment gateway

 

Did you like this blog? click here for more of this amazing stuff!

 

Have questions?

Give us a call – 866-921-2982 or schedule an appointment here. 

 

Jodi Goddard
In Merchant, Payment Processing Industry, Retail

2021 Payment Trends

Hindsight is 2020… but since we have PTSD from that’s 2021 Payment Trends!

 

Let’s focus on some 2021 vision instead. 

 

Before we hit the 2021 Payment Trends. First things first, we need to address the big stupid elephant in the room that is the dumpster fire of 2020 and how COVID disrupted many things, but the largest economic impact was obviously ‘quarantine’ or ‘the shut down’. We had to adapt to our surroundings and power through,  digging deep trying to understand and accept a new normal. One of the obstacles a majority of small to medium business owners experienced was finding a way to adapt. They needed a quick solution for a safer and more sanitary way to accept payments. Getting back to that 2021 vision, here are a few things we are expecting to trend for 2021. 

 

  • Contactless Payments Dominate 

Contactless payments was already a trending payment change but one day it was then blasted to the forefront due to COVID.  51% of Americas are using contactless payments, whether it’s tap-and-go, Apple Pay, Samsung Wallet. Many consumers in various reports state they are changing the places they frequent to a business that had proper payment methods.  That same 51% of the US population reported cutting back on using cash down to only when necessary or not at all. In addition to this scenario, there was also a nationwide coin shortage so customers needed exact change, forfeit their change, or pay with a credit card. 

  • Online Ordering Skyrockets

The curbside pick-up was considered a ‘thing’ at some of the larger franchised restaurants. While pick-up was always a good option, it became a way of life for so many of us. Online ordering and curbside pick up was, and most likely will continue to be the preferred and most used method of payment. 

  • Improving Security

Rising fraud is always trying to hold hands with eCommerce, then it ruins the relationship for the rest of us. Rest assured, we are always looking for ways to add to the security and making sure that everything is up to date with the latest technology. 

 

Schedule a time with a Payment Professional to help you with Online Ordering. It will only become more prevalent and business owners need it to stay relevant.

 

Curious as to how this compares to last year’s predictions? Read that post here.

Jodi Goddard
In Business Services, Finance, Merchant, Payment Processing Industry, Retail, Technology & Equipment

ACH Defined

Any business owner wants to improve their bottom line. One way to do this is by improving your credit card processing fees. Depending on your industry, one avenue is ACH or Automated Clearing House. ACH is a network for electronic payments from one bank to another, favored especially by those who need recurring payments.

What are ACH payments?

Customers allow the business to access their account information to automatically withdraw funds at a predetermined time. ACH payments are generally used for revolving things like mortgage and car loan payments, utility bill payments, and phone bill payments, or subscription services.

Benefits of ACH payments


Improved cash flow – No longer waiting for payments to come in or chase down past due accounts. 

Convenience – Improving the consumers’ experience by lessening the hassle of customers needing to authorize or initiate each payment.

Improved Accounting – Gone are the days where you would struggle managing paper invoices. Each electronic invoice is created automatically, making the reconciliation of invoices a breeze.

Better Processing Fees – ACH Payment Processing is less costly than a credit card. There are a few options on ACH set up but businesses can expect to pay a small monthly fee with a per-transaction fee OR a set percentage with a per-transaction fee.

Easy Set-Up – Super easy to set up with the customers’ banking information. By adding their information, customers can pay invoices at any interval. The payment will be automatically taken from their account ensuring the payment is made on time. Customers no longer need to deal with invoices and manual payments.

No More Expired Credit Cards – Credit cards expire and usually, people are going to forget each account that is tied to that specific card, or maybe the card was stolen so new card numbers would need to be generated. By going the AHC route, there won’t be a need to track down updated information saving you time and money.

How Can ACH Payment Processing Help My Business?

When payment comes due, your bank will send a request to the customers’ bank to being the transfer the funds with automatic invoicing.  ACH is great for recurring bills or setting up autopay, however, it can be used for one-time purchases as well. ACH not only saves your business money, but it also saves on time. 

How Do I Get ACH Payment Processing?

Schedule with a payment professional to review your merchant account and find out where we can help your business be more efficient and profitable. We assist you from setting up to troubleshooting, we will make sure that everything is on point. The software will allow you to set up payments via online website, email, in person, or over the phone with ease. More payment options mean happier customers. 

Jodi Goddard
In Business Services, Compliance, Merchant, Retail, Technology & Equipment

What Square’s Recent Changes Mean For You

What Exactly Went Down

 

In June 2020, Square made recent changes in its rolling policy regarding the handling and processing of customer transactions. They can now hold up to 30% of the money a customer pays for as long as four months before crediting it to merchants. That’s more than a whole financial quarter’s worth of time. Even worse, Square enforces the holding period on a select number of sellers, but does not specify who or on what condition would justify the holding besides vague descriptions of “risky” transactions and the selling of “goods or services more prone to disputes.” 

 

 

How Square’s Policy Change is Impacting Small Business Owners

 

The policy change comes as a surprise for many small business merchants. Contractors, plumbers, and even local legal firms felt significant impacts on the customer fund holdings. Enacted with little warning, Square’s move is disappointing, to say the least, and flies in the face of previous measures that the company promised to help small merchant consumers during the onslaught of the pandemic. Square claims it began the policy changes earlier last year. But with this recent change in transactional holdings, small business owners are concerned that the transactional holdings will usher more local businesses to close down their doors for good. Square claims that only 0.3% of merchants were impacted by the change, but over 2,715 individuals have already composed and signed a petition on Change.org, calling out Square’s policy change as an “unethical business practice.” The number of signatures continues to climb at the time of this writing. 

 

Transparency in Changes, Advocacy for Small Businesses

 

At Platinum Payments, we are transparent with our products and services to our customers. There are no term fees attached, there are no margin increases, and we never change our policies without warning. Small business owners can rest assured that they’re getting the service they expect and deserve to keep focusing on their own customers.  

There are also no term contracts with Platinum Payments, so merchants can pay for the equipment and services they need, and skip what they don’t. We also provide COVID safe transactional options and a customer support staff that’s open 24 hours a day, 7 days a week. 

Small businesses are the backbone of America, and we’re here to support them every step of the way. Don’t be square, be more well rounded. 

Contact our staff today to see how we can help your business get back on your feet. We offer afree analysis service to help get you started.

 

 

Jodi Goddard
In Compliance, Merchant

Considering Venmo For Business?

Once upon a time, Venmo could not legally be used for business transactions. In its terms of service, it states, “Business, commercial, or merchant transactions may not be conducted using personal accounts.” Things have since changed.  Venmo will allow limited business use with explicit permission after completing the application process. 

Is Venmo Safe? 

Pre-2015 scammers were using Venmo to defraud people out of thousands of dollars. If it was considered a “business transaction”, the user had no recourse. The security page of Venmo’s website currently states:

“Venmo is designed for payments between friends and people who trust each other. Avoid payments to people you don’t know, especially if it involves a sale for goods and services (like event tickets and Craigslist items). These payments are potentially high risk, and you could lose your money without getting what you paid for. Venmo does not offer buyer or seller protection. Business usage of Venmo requires an application and explicit authorization.”

Venmo and its users have experienced:

  • Payments reversed without authorization
  • Frozen accounts
  • Money is withdrawn from their banking account. 

Venmo’s terms now allow for business transactions BUT, there is no protection for buyers and sellers which is alarming. Unfortunately, that is par for the course when you use a service provider as opposed to a true merchant account. 

Venmo + Small Businesses: How to Make a Decision

If you complete the application process and if you are approved, here’s what you need to know before you make a decision with such potential repercussions. 

  • PayPal itself is PCI Compliant, the disclaimer on their website states that they are NOT responsible for PCI in YOUR store.
  • PayPal is not responsible for PCI compliance if you store, transmit, or process payment card information. Its PCI compliance can be validated at http://www.visa.com/cisp
  • It’s not a matter of IF, but WHEN. 67% of Business owners have no security in place. Fraud was already on the daily rise, now with COVID, the huge shift to a more cloud-based and online presence has just added fuel to the fire. 
  • Venmo has a prohibited list, like everyone else in the industry. By using its payment service for prohibited items, you are going against the terms and conditions. The prohibited list is long, but you can view the complete list here. * (FYI there are 49 categories that are not allowed). If they won’t acknowledge PCI for those they allow to use their services, what do you think they will do for those who went against their rules? It’s a scary thought. Next in line is the Fraud Maintenance Tools — an optional fraudulent transaction management tool made by Braintree Payment Services. If you want to activate or inactivate the Fraud Maintenance Tools, it is your responsibility to determine which settings you need and which filters to apply. If you were to select the wrong one, you lose out on volume since they decline payments on your behalf. Let’s hope you know what you’re doing. 

“It is your sole responsibility to provide any necessary notices and disclosures, obtain any required consents, on the use of the Fraud Maintenance Tools to your Customers on your website or mobile application”. 

“You acknowledge and agree that PayPal does not represent or warrant that the Fraud Maintenance Tools are error-free or that they will identify all fraudulent transaction activity. In addition, PayPal shall not be liable whether a Transaction is accepted or rejected using the Fraud Maintenance Tools. You are responsible for your optional use of the Fraud Maintenance Tools, including any filters or settings you enable.*

*Edited/Shortened for length. 

I Don’t Have Explicit Permission, What Can Happen? 

If BrainTree/PayPal/Venmo believe you may have engaged in any violation of their terms and conditions, they could (with or without notice to you) take whatever actions that go against the agreement. This could include:

  1. Blocking the settlement or completion of one or more payments;
  2. Suspending, restricting or terminating your access to and use of the Payment Services
  3. Terminating our business relationship with you, including termination without liability to Braintree of any payment service agreement between you and Braintree.
  4. Taking legal action against you
  5. Contacting and disclosing information related to such violations to (i) persons who have purchased goods or services from you, (ii) any banks or Card Networks involved with your business or transactions, (iii) law enforcement or regulatory agencies, and (iv) other third parties that may have been impacted by such violations
  6. Assessing against you any fees, penalties, assessments, or expenses (including reasonable attorneys’ fees) that we may incur as a result of such violations, which you agree to pay promptly upon notice.

What Are My Other Options? 

If anything above concerns you, we can skip all of that to help you process with Platinum Payments. Have the peace of mind that all of your PCI issues are handled, you have liability protection, plus everything else in our Platinum Core. 

Our Payment Professionals can help you navigate the process and make everything seamless, all while providing you with white-glove treatment. 

Let’s get started today with a free audit. 

Jodi Goddard
In Banking, Business Services, Merchant, Retail

Banking Services vs Platinum Payments

Banking Services vs Platinum Payments: Rates, Flat Rate, Funding and Pricing!

Banking Services vs Platinum Payments: Rates, Flat Rate, Funding and Pricing! We get that having everything all in one place makes things easier, however, easier is not always better. Banks that offer merchant services may not be in your best interest. Here are just a few of the differences between banks and Platinum Payments.

Banks

Rates Are Not Competitive

Companies are advertising set rates, and low rates but you need to do your homework. Flat rate pricing may not be your best option, thinking you are getting a low advertised rate but the added fees and assessments may not be fully disclosed. You may be told you are getting a rate as low as 1.5%, which may be true, for the first month or two of processing, then it will slowly increase and most business owners are unaware of the upped prices. If you are aware, you will then need to babysit your account for the rest of time.

Having A Middle-Man

When comparing merchant services between a bank and a credit union, the credit union will often have better rates and fees for those who want to have their services at the same place they do their banking. Banks tend to re-sell the merchant services with an intense mark-up, and then lock you into a contract or equipment lease. Banks typically do not make their money from business services, so they need to increase the fees paid so they can be profitable.

Funding

A lot of banks will promote next or same-day funding to entice merchants.

No Industry Experience

Tellers and managers are not typically versed in the ins and outs of how merchant accounts and credit card processing. They may unknowingly give you bad advice and lead you down a path that may result in a disaster. They will not be able to provide you any customer service or help with your account whatsoever should any problems arise.

Contracts

No one wants a contract, but when there is the potential of added margin twice a year, they will definitely take advantage of that. Banks are in the business of making money and will do whatever it takes to lock you in with them to have the security of revenue off your business.

Platinum Payments

Rates ARE Competitive

We have many different pricing structures, the use of Interchange Optimization, and some of the lowest rates available.

NO Middle-Man

There is no middle man, no extra mark up, you are dealing directly with your processor. Cutting out the extra hands in the cookie jar ensures things will be more cost-effective and much more simple.

Funding

Any merchant can get the same features and usually more options and it is cheaper than the bank.

A Lot of Industry Experience

We have Payment Professionals who are trained weekly to stay with current trends and technology. Our headquarters office alone has over 50 years of combined experience in the industry. Why not work with the best?

No Contracts

We don’t do them, we don’t want to be in one, so we don’t force our clients into one either. We don’t raise our rates. This is one small part of our Platinum Guarantee, read more about that here.

This is just a sample of the differences.

Get with a Payment Professional today to learn more about our other products and services.

We want to use our expertise to help you with all of your processing needs.

Jodi Goddard
In Humanitarian, Merchant, Partnerships, Retail, Technology & Equipment

#TogetherStrong

Merchant services are one way to cut out a chunk of monthly expenses.

Even though we all know what’s going on and what steps to take, sometimes it’s hard to know exactly what to do. Sometimes we space things off because we’re too busy to take the time. Merchant services are one way to cut out a chunk of monthly expenses.

Sometimes you just need someone to remind you of the available resources and how to survive this. It has taken me these few weeks to begin to wrap my head around it all, and some days I struggle more than others.

As we are reevaluating many things in our lives, whether to have earthquake insurance or not, deciding how much we either:

  • A. We really like social distancing, especially from family.
  • B. We really like being outside.

But for real, people are now looking to buy earthquake insurance, panic shopping, all while getting our houses in order and looking for ways to cut back and decrease costs as much as possible at home and at the office.

Businesses WANT to keep their employees, but during financial strain, it is an expense that can be minimized. In all reality, we have to look at our bottom line and get creative. Why not try a new approach, shake things up (pun totally intended), step outside the box. The ideas and opportunities are endless.

Where can we cut back?

Business financials should also be delved into, so that when things go back to normal, or we adapt to our new normal, we are ready to roll out of the gate.

Merchant services are one way to cut out a chunk of monthly expenses.

How we can help:

  • For a limited time, we have our inventory marked down a considerable amount, if not free.
  • Talech Premium FREE for the next 6 months [ $700 value !! ]
  • Platinum Guarantee — Never raise your rates — No contracts — No termination fees
  • First Aid Kit — For existing customers who need a quick solution to keep accepting payments
  • Converge is great for setting up customers on payment plans (includes billing & invoicing)
  • All monthly fees will be suspended until further notice.
  • Surcharging — never pay a fee again

Other places to cut back:

  • Discretionary spending — non-essential maintenance.
  • Rent — having open communication may get you further into available options/payment plans.
  • Capital costs — delay equipment purchases.
  • Printing costs — Switch to more digital options
  • Payroll — maybe look into pay cuts or decreased hours as a possibility before layoffs.
  • Cancel subscriptions — Consolidate to one option VS many (Zoom, Slack, Microsoft Teams, Social Pilot, etc)
  • Reevaluate all other lease agreements.
  • Cut back on workplace perks.
  • Cut the workweek. Switching to a four day work week saves 20% of payroll.

In the midst of a whole new experience with an Extreme learning curve, we know we need to keep going, we need to stay in business, we need to uphold our economy to the best of our abilities.

Things aren’t over, or on ‘pause’. We just need to adapt, take a step back, breathe a bit deeper and since we now have the time, do some reevaluation. Primarily we focus on our own immediate families but secondarily we need to look at our economy and businesses.

Is there more we can do? Is there a new way to approach things? Let’s take this time to include these things into our soul searching or whatever this quarantine has you doing.

Things have shifted from dine-in restaurants to take out with curbside pickup, so maybe you could benefit from a Poynt (now integrates with QuickBooks Online!!) because the customer has their own side and screen, you would have yours. Not having to touch anything, easy to clean.

Our New Normal?

People are still buying, it just happens to be in smaller quantities to save on cash reserves and for quicker store trips to get back home. We have shifted to more things being online, or accessible online. We can have everything we need to be delivered to our front door.

Does your business have that capability?

I have groceries delivered, we subscribe to monthly artsy things to have delivered — with kids doing more online learning I have to step it up and order the things that they need as well. At this point, we don’t have any reason to need to leave the house. Everything. Is. Deliverable.

People are ordering online out of necessity which will convert to habit and convenience. Stay ahead of the game, don’t play catch up later. Platinum Payments can help you navigate such uncharted waters and help you get into the best position we can muster.

If you could see your product online and have some type of delivery, shipping or pick up options and ensure that your doors stay open, would you ??

Of course, you would, so take advantage of these deals and our price cuts and work with our partners to have everything taken care of for you, for a quarter of the cost of competitors.

Platinum can get you set up and processing on one of the top pieces of equipment out there with waived fees and very minimal or no cost.

We are doing this because we genuinely care. This means that our own employees and reps are giving up their commissions to get you in a better place. If that doesn’t scream integrity and that we’re here for the long haul, I don’t know what will. We do not want to see others struggling or closing their doors, we want to provide a service to keep everyone running.

From the bottom of our hearts, we thank each and every person who has supported us during this time. We are all in this together, and together we will overcome this while coming out a better and stronger society. Thank you, please do what you can to stay safe and healthy.

Here is a link that has many business resources. I loved this because it made things simple!

Paycheck Protection Program — www.coronavirus.gov and www.sba.gov

Here is a link to our lender if you need help securing a loan, way you will have a lower interest rate and quicker funding, not to mention a heck of a lot easier than going through the banks.

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.