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Retail

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

Converge

 

Converge is a very robust payment gateway for processing payments accessible from any secure browser. Converge gets it done quickly, safely, whether in-person, online or while out and about. It has a full range of payment types such as debit/credit cards, electronic checks, mobile wallets, gift cards, and recurring payments.

Converge is great for any environment. You can take advantage of the mobile app and have the option to use NFC and EMV. Adding a “Buy Button” will allow for adding payments on existing websites, new websites, and integration with over 50 popular shopping carts.

This software is fully encrypted with add-ons to help manage customer information easily. Each transaction is encrypted during every stage of the process. There will not be any sensitive data stored in the app or the card reader. If you were to lose your device or misplace it somewhere you can be assured that all payment information is secure.

One major security option is Tokenization, which allows you to manage customer credit cards and billing information (card on file) in the Card Manager and process transactions manually at a later time, such as something subscription-based, or payment plans.

Converge has billing and invoicing capabilities so you are able to increase your cash flow. You can save time and resources by using Converge to create invoices, email to customers and accept your payments online, or set it up to do recurring billing that will work with credit, ACH, and eChecks and can be customized to whatever time frame you need. Another big benefit is the auto-population that will allow for Level 3 processing, which results in lower fees.

 

Features

 

  • Account Updater — Converge updates automatically to ensure the latest information is used to reduce authorization declines and will streamline payments.

  • Dynamic Currency Conversion (DCC) — Visa and MasterCard credit card purchases are converted instantly at the time of checkout to the cardholder’s home currency. DCC is a great option that gives the cardholder who is aborad the option to process in their native currency or the local currency. Rates are updated daily to have the most up-to-date exchange rates in the market.

  • Multi-Currency Conversion (MCC) — This allows merchants to sell products and services in various currencies and receive funding in their home currency.

  • Multiple-User — Allows merchants to set up a user structure for increased security.

  • Customizable Payment — Allows for online payment and Virtual Terminal payment forms to be configured for unique business needs.

  • Auto Settlement –Allows for programs to automatically settle un-pended transactions.

  • Custom Decline Messages — This Allows for non-approved authorization responses to be customized for consumer-initiated transactions.

  • User-Defined Fields — Supports additional user-defined transaction prompts on all payment forms.

  • Dynamic DBA — This Allows you to customize the information on the customer’s credit card statements, this way you can specify wording that is more recognizable to the customer.

Security Features

Various security features are built into Converge and include:

  • System timeouts after inactivity
  • Restricted system logins
  • Enhanced Logins with IP Recognition
  • Password requirements

With how diverse converge is, it’s no wonder it is one of the top-rated options in the market, in addition to being one of the least expensive, paired with our interchange optimization and Platinum Guarantee, and top it off with one of our Payment Professionals who will make sure you don’t just process with Platinum, you get to experience it.

To read more about Converge click here.

Jodi Goddard
In Merchant, Retail

Fast Track Funding and Why You Want It

Speed, Efficiency + Happier Customers

With electronic payments taking the place of checks, small businesses can receive their funds quickly, which helps their business process become more efficient. When businesses are able to receive payments quickly it brings many benefits such as easier and improved cash flow, predictable budgeting, spending, and investing. Faster verification lowers the chances of customers making overdrafts and helps them avoid associated fees, which leads to happier customers.

How Does Next Day Funding Work?

Usually, funding takes one to two business days. With Next Day Funding, payments hit your bank account at the end of the next business day. When you opt for Next Day, your funds are put into the fast lane with the Federal Reserve which speeds up the normal funding process.

For example, if you submitted your batch out before 6 AM EST with a balance up to $25,000 you would receive the funds by 5 PM that same day. This means that with Fast Funding you could batch out late Monday night after closing and the funds would be deposited into your account by 5 p.m. on Tuesday rather than having to wait until Wednesday.

Same-Day ACH transfers can be flagged as needing to be processed quickly and made available to customers accounts the same business day which is a huge benefit for businesses who don’t bank at the same bank that processes their ACH payments

Time is Valuable

Time is money, and managing your business is time-consuming. Fast Funding leaves you feeling calm and less stressed because the funds are guaranteed to be there when you need them. We’ll take care of the timing so you can focus on running your business.

Fast funding is just one of the many options that our team can help you with to enhance your business and bank account. To learn more about the options for regular, next day and fast-track funding contact us and schedule a time via phone or to have a Payment Professional come to you!

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

What You Need To Know About Cash vs Card

We have gone over some of the top 8 reasons to take cards. Here are even MORE reasons why taking a card and being a small business is beneficial.

When you are not taking cards, you are losing out on a big piece of revenue from the loss of potential customers. Consumers want the quickest and easiest way to pay. having multiple payment types should go without saying. But in case you need a little nudge to help see the benefit we can break it down into some stats.

We have talked about cash and checks being a dying breed, so therefore we already know that most people are not carrying cash at all, or nothing more than a few dollars for a soda run.

Bankrate did a really cool study on how much cash American’s are carrying on the daily. Here are the results of that study

More than two-thirds of consumers carry $50 or less on a regular basis.

  • About 9 percent of those surveyed say they don’t carry any cash at all.
  • Six percent of those making $75,000 or more carry more than $250 in cash, compared with 2 percent of the overall population.
  • The amount of cash people carry with them is fairly consistent across different age groups.
  • Women tend to carry less than men. Seventy-seven percent of women carry $50 or less on a daily basis, compared with 61 percent of men.
  • Who carries large amounts of cash anymore or wants to pay a $3-$5 ATM fee?
  • It may come at an expense to your business, but some customers will not want to shop at your business if you do not accept credit cards. Either they’ll completely avoid your business, or they’ll spend far less money.

When taking these stats into count, in addition to the 8 Top Reasons To Take Cards it should help you see the bigger picture and the benefits of having multiple payment options. Combine that with more information on consumer trends and there shouldn’t be a doubt in your mind that taking cards is a smart move, so why not do it with one of the best in the industry!

Contact us today to speak with a Payment Professional.

Jodi Goddard
In Merchant, Retail

Top 8 Reasons To Take Credit Cards

Electronic payments are going to keep driving the upward trends for ways consumers will make their purchases. Most of us pay our bills with ACH, a debit card, or a credit card it’s what we carry in our wallets, it is how society has progressed with phasing out older payment methods.

For business owners, while not wanting to incur the fees and added costs of taking cards, it is far better to do so because you are no longer limiting yourself to your business’ full potential. The fees that merchants will pay are far less than the added sales and growing business clientele that cards will bring in.

Reasons Credit Cards Are Profitable

  • Cards make you a legit business. — Customers feel safer and more secure
  • Impulse Shopping — Trends show people spend more when using a credit card
  • Convenience — Customers want to pay quickly and safely. They also like to reap the rewards that some cards offer
  • Keep Up With Competitors — They take cards, you need to offer the same service or risk losing your customers to them.
  • Better Cash Flow — Money hits your account quicker instead of waiting for checks to clear
  • Ups Your Sales — If you limit your options to cash or debit only, you miss out on sales and end up with a smaller customer base
  • Essential For Online — Most online transactions are paid for with a credit card, a handful will pay in-store at pick up, but you run the risk of losing out on a sale if they are a no show
  • No Bounced Checks — You won’t have to deal with tracking everything down and paying NSF fees

Our Payment Professionals will make your credit card experience seamless by using their expertise to help you select the best solution for your business. We can have you up and running within 48 hours so your business can continue on as normal while your personal consultant takes care of the rest for you to make it as simple as possible.

Jodi Goddard
In Partnerships, Retail, SOCi Partners, Technology & Equipment

Gift Cards + Loyalty Rewards = Returning Customers

There’s a passion for and loyalty to customers and businesses that only a small business owner can understand. Platinum Payments understands it, too. That’s why we made it possible for you to offer your customers the kinds of targeted deals and enticing rewards they used to get only at chains and big-box stores.

Turn new customers into regular shoppers with an automatic invitation to join your loyalty program. They can join with as little as a phone number—no coupons, cards, or key chains. Fanfare automatically tracks loyalty points, rewards, and offers for you both.

    • REPEAT CUSTOMERS — Turn new customers into regular shoppers with an automatic invitation to join your loyalty program. They can join with as little as a phone number—no coupons, cards, or key chains. Fanfare automatically tracks loyalty points, rewards, and offers for you both.
      • PROMOTIONAL MARKETING — Extend your marketing without overextending your budget. A small-dollar promotional card offer is a low-risk way to encourage new customers to visit your business, where your own great products, service, and loyalty offers can keep them coming back
        • GIFT CARDS — There’s a lot to like about gift cards: Customers give the cards to others, helping promote your business, especially when the cards feature your logo. And 75% of gift card shoppers spend more than the value of the gift card!
          • BRANDED WEBSITE – Your Fanfare loyalty program includes a website branded with your business name and logo at a unique URL, where customers can register, track their rewards progress, and view available rewards. You get valuable insight into every customer who registers.
            • CUSTOM OFFERS — Use your Business Dashboard to set up custom offers—one time only, time-based, or a percentage or dollar amount—then email them to members, who will also see the offer at checkout. You can see your results by tracking offers redeemed and revenue generated in real-time.
              • BUSINESS DASHBOARD — The Business Dashboard is your center for customer reporting, analytics, and program management. Measure program effectiveness in real-time, learn when and how often customers visit and spend, and use detailed shopper data to tailor future offers.

Contact us today for more information on how to sign up and get started

Jodi Goddard
In Build a Blog Community, Compliance, Retail

What To Look For In A POS (Point of Sale)

What To Look For In A Point Of Sale

If you are in the market for a new Point Of Sale here are a few things to look for to help you with choosing the best option for you.

First, you need to know what category you fit into. Do you own a food truck, a restaurant or a bar or a retail store? What about healthcare or hospitality/travel? Here is a quick list to help break up the differences.

What is  POS system or POS meaning?

The Meaning of point of sale (POS)  is the time and place where a retail transaction is completed. At the point of sale, the merchant calculates the amount owed by the customer, indicates that amount, may prepare an invoice for the customer (which may be a cash register printout), and indicates the options for the customer to make payment. It is also the point at which a customer makes a payment to the merchant in exchange for goods or after provision of a service. After receiving payment, the merchant may issue a receipt for the transaction, which is usually printed but can also be dispensed with or sent electronically.

Foodservice & Restaurant Point Of Sale Features

  • Online ordering
  • Delivery apps
  • Check splitting/tip features
  • Ability to use kitchen screens
  • Back- and front-house communication tools
  • Table layout features
  • Loyalty programs
  • Advanced inventory with tracking for individual ingredients
  • Pay-at-table services

Retail Point Of Sale Features

  • eCommerce integration
  • Advanced inventory with matrix
  • Loyalty programs
  • Gift cards
  • Customizable SKUs
  • Shipping features

Service Point Of Sale Features

  • Advanced scheduling for people, rooms, and equipment
  • Calendar
  • Online reservations
  • Customer-facing booking tools
  • eCommerce integration
  • Loyalty programs
  • Gift cards

Each business type has different needs relating to that industry so knowing what category you fit into will help you. A retail POS provides retail-based solutions, while a restaurant POS does the same for the food industry, which is different from an all-purpose POS.

Your Point Of Sale system should include:

  • Inventory management
  • Accounting
  • Employee management
  • Customer management
  • Sales reporting

Why reports are so important

You should be able to get the information on all voided transactions, what’s product is selling vs what is not moving quickly, employee productivity and sales, percentage of labor against sales to calculate exact profitability, etc. Having these options built-in will save additional costs on a third-party CRM.

Cloud-Based POS Features

Data Protection

Having a cloud-based POS means that nothing is stored on your computer, meaning you can access your information wherever. Having the peace of mind that nothing can hinder keeping your business up and running. All information is encrypted and very secure.

Multi-Device Access

Cloud-based systems allow for access to data wirelessly from any device. Logging on to take care of orders, employee management or processing transactions is simple and can be done very quickly. Multi-device access is just as important, if not more so withing the actual establishment. Being able to take care of more customers quicker and at various locations will speed things up tremendously which leads to happier customers.

Online & Offline Functionality

If you are operating on a server and if it were to go down, your business goes down with it. Most POS companies are offering some type of offline functionality, when using the cloud you still have access to the needed functions. You still have the ability to take card payments, the encrypted data is held in a queue until the connection is restored.

Multi-OS Compatibility

Cloud-based POS options support either Android, Apple or web-based. You can integrate with pretty much anything you want to.

Low Initial Cost

POS systems come with a hefty price tag when you are adding everything together with your start-up costs or day to day operations. When using a web application there is a monthly subscription that is minimal where the benefits far outweigh the costs, but it is also allowing you to take cards as long as you have internet and a card reader. Once you have been operating for a while, you will have a better understanding of what features you would like and need to make an upgrade to better-suited equipment.

Integration With Companion Software

The list of software integrations is growing each day. Cloud-based POS systems can integrate with whatever other software you would like to use. There are also APIs and SDKs to enhance solutions.

Contact us today to see how we can help you get set up with the correct solution.

Check out our POS options here.

Jodi Goddard
In Merchant, Retail

Trends coming in 2020

businesses will need to transform their payments and go digital!

Businesses will need to transform their payments and go digital. Last year Millenials and Gen Z accounted for $350 billion of spending in the U.S. alone, by 2020 Gen Z will account for 40% of global consumers. These generations grew up with the internet and connected devices, businesses will need to transform their payments and go digital. Here are a few trends to watch out for;

Contactless payments are IN

One new thing to roll out this year is contactless payment cards. NFC (near-field communication) technology allows consumers to use the tap and go option or wave their card within the range of the terminal.

Obsolete Tech Is OUT

Merchants who haven’t upgraded their equipment really ought to because that same piece of hardware will also allow more mobile wallets, Apple Pay, Google Pay, Samsung Pay, or payments made from wearable devices such as smartwatches and fobs. With all the changes for payments and eCommerce consumers are watching their digital payments very closely.

Consumers are far less likely to turn a blind eye to an outdated or choppy experience caused by older tech, and the friction caused by outdated systems will play an even more critical role in customer engagement in 2020.

Increase in regulations

Tech is ever-evolving so working closely with your rep is even more important to make sure that you are covered with PCI in addition to any new laws that may apply.

  1. Companies like Visa are updating their free trial billing rules to benefit businesses and consumers with chargebacks while implementing more transparency.
  2. The Wayfair Act will take effect in the U.S. in 2020. This allows states to tax a company that operates within the state borders regardless if they are located there or not. Retailers will need to figure out local taxes and regulations to continue their business uninterrupted.
  3. Because merchants are going to have a harder time keeping up with the regulations, it makes even more sense for them to partner with the payment industry, that way they have someone watching over their merchant account and keeping things on the up and up while they focus on running their business.
  4. Tokenization will expand; Brian Cole, head of North American products at Visa, says. “The scope of fraud in tokenization is cut off because the token itself only works for that consumer, on that device, at that merchant.”

It is so important for merchants to be aware of changes and stay up to date, the best way for that to happen is keeping in contact and having a good relationship with their representative. Our reps attend weekly training to ensure they have the latest information.

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

Why Field Service Needs Mobile Payment Options

If your business is still playing the paper invoice and wait game, it’s time to look into upgrades. Mobile payment processing is rapidly taking over because of the convenience for everyone. There is no use for a point of sale when your work is done in the field. This is ideal for those who are in the construction industry or field service industry, such as concrete, roofing, cleaning, plumbing, electrical, restoration, and HVAC.

WHY DOES IT MATTER?

It all comes down to cash flow. Are you a smaller business that relies on payments in order to cover your supplies? Either way, expenses won’t stop coming in. Suppliers, employees, resources, building materials, and other expenses will continue to pile up regardless.

Having to wait for a previous payment on a job in order to get the needed materials for the next job is detrimental to doing business and is likely hindering your profitability. If you are mailing paper invoices it can be anywhere from days to weeks until that payment hits your account.

This is a very cost-effective and simple addition to your business with rewards reaped outweighing the fees that you would have. Think of it as an eco-friendly way to replace stamps, stationery, and accounting/bookkeeping costs.

BENEFITS FROM MOBILE PAYMENTS

The best option is to utilize mobile payment options. Being able to collect payments while out in the field not only ensures payment but also helps you get into a better cash flow position, which in turn will bring about many benefits and stability.

  • Instant payment at the time of service which allows for better planning on future jobs
  • You will save time — It is easier to keep track of everything if you have it in one location.
  • Makes collections simple — It will become less of an issue with payment collected at the time of service.
  • Digital records — Having automated records of job completion and other information at your fingertips
  • Less time between completion of the job and payment which means more work in the future
  • More sales
  • Mobile invoicing apps integrate with accounting software
  • Being able to take multiple payment types
  • The ease and simplicity mean happier customers, and happy customers give referrals.

MOBILE PAYMENT OPTIONS

Platinum Payments has a few different options for mobile payments that will keep you up to date with the latest technology trends.

  • Ingenico Move 5000 wireless terminal
  • ICT 250G wireless terminal
  • Verifone Vx 680 wireless terminal
  • Converge software on your cell phone or tablet
  • Poynt wireless point of sale system

In short, there is no reason that you should NOT be taking mobile payments. If you would like to read more, here is an article by Honeywell that will have a breakdown of more of the benefits of the mobile payment processing VS paper invoice model.

Contact us for help with deciding which mobile payment option would be a good fit for your business. Let our Payment Professionals show you the ins and outs of mobile processing and other services that may be helpful to you.

Jodi Goddard
In Retail, Technology & Equipment

How Interchange Affects Your Business, and Why It Matters

REDUCING THE RISK TO REDUCE THE FEE

If a merchant can reduce the risk of a dispute or chargeback, they will, in turn, get a lower interchange cost and keep more money as profit.

HOW DO WE REDUCE RISK?

Card issuers want as much information as possible. Level 2 and 3 require more information from the merchant which in turn will reduce the risk to accomplish the lower fees. Most merchants collect Level 1 data, which is the basic information about the transactions such as date and amount. Level 2 and Level 3 require the merchant to collect more detailed information from the transaction which can become a hurdle for businesses because they may not have the information to enter, the correct equipment or a processor that can process the information.

WHAT TYPE OF INFORMATION IS KEY?

Level 2

Tax Amount

Customer Code

Merchant Postal Code

Tax Identification

Merchant Minority Code

Merchant State Code

Level 3

Ship from Postal Code

Destination Postal Code

Invoice Number

Order Number

Item Product Code

Item Commodity Code

Item Description

Item Quantity

Item Unit of Measure

Item Extended Amount

Freight Amount

Duty Amount

This is where interchange optimization comes in to play.

Elavon helps merchants identify Level 2 and Level 3 payment processing opportunities and provides recommendations that can help lower interchange fees, improve cash flow, and enhance reporting. Elavon’s Level 2 and Level 3 programs populate the necessary data for the merchant with no up-front cost.

Jodi Goddard
In Retail, Uncategorized

Consumer Trends

We know that brick and mortar stores are struggling in competition with eCommerce. The internet is taking over more and more each day, with the technology of location tracking and analytics, brands are able to watch the trends of shoppers, engage with them and in return, they see an increase in their revenue.

Shoppers are using multiple websites to get detailed information on a product and read countless reviews to help them make a final decision on whatever product they are considering purchasing. Retailers ought to be looking into online options to meet the needs and expectations of how shopping trends have changed.

Multichannel shopping, or Omni commerce, is a must for retail business in this day and age. It is known that places who are single-channel are not even close to bringing in the revenue that Omni commerce can, and does. It’s like casting a wide net off of a boat for fish, and a single small handheld net off the dock, it’s not hard to figure out who will have a greater return, it’s not even a close comparison.

It has been shown that customers will allow tracking of their shopping trends, which turn into ads, which leads to a more personalized shopping experience. Most shoppers don’t mind to share their information if it leads to loyalty points, coupons or some type of special offer.

Platinum has a point of sale software with analytics that will help track the trends and success of similar businesses in your area which helps them to understand the best way to do their marketing and help them change up their business plan to something that will be more successful. Without this, they don’t know whether they are doing bad, just ok, or excelling. Without that information, you don’t change things up to fit the trends and market to the right demographic.

Contact us for more information on the Talech software and learn more about how valuable it will be for your business. It applies to every single Merchant out there and is a huge benefit to help grow and expand.

Platinum Payments will help you stay ahead of the game, or catch up, and put your brand on the map.

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.