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Technology & Equipment

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 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 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 Compliance, Technology & Equipment

Safe-T – Why it matters to your business.

Cardholder data is a huge concern for everyone in the payment industry — consumers, merchants, processors, and even financial institutions. Merchants and the financial institutions will suffer the most from unanticipated expenses resulting from a data breach or the event of fraud.

Consumers want to know that each time they offer their card, whether it is with a POS, eCommerce, over the phone or via email, they need to know their information is safe.

The PCI Security Standards Council has developed their set of industry standards in place to protect such data, they also require service providers to maintain that the high set standard for security. The end goal being software vendors develop secure payment applications that do not store prohibited data. Some of those safeguards are a full magnetic stripe, PIN data and payment applications that are in compliance with the PCI Data Security Standard.

STATS

Honeywell stated consumers are willing to change their shopping behavior to safeguard their data if they personally suffered from a data breach. Seventy-six percent of consumers surveyed would forego credit and debit transactions and 38 percent said they would entirely avoid a particular retailer if they personally suffered from a data breach.

According to SecurityScorecard, more than 90 percent of retailers are out of compliance with the Payment Card Industry Data Security Standard. Penalties for non-compliance are as high as $100,000 every month or $500,000 per security incident.

Merchant Maverick conducted a study and found Two-thirds of cyber breach victims are small to mid-sized businesses. 55% of smaller merchants reported a data breach for the year before. A significant cyber breach could cost a small business upwards of $80K or more. Due to bad press and cost, 60% of small businesses close shop permanently within six months of a cyber attack.

WHERE TO GO FROM HERE

Platinum Payments offers many different types of encryption and security options.

With Safe-T’s layered approach to security, small to medium-sized businesses and their customers can feel more confident that their payments are secure.

Safe-T Solo — Reimbursement up to a maximum of $50,000

Safe-T Silver — Reimbursement up to a maximum amount of $100,000

Safe-T Gold — Reimbursement of up to a maximum amount of $250,000

With each transaction the primary account numbers are encrypted; however, it is imperative that as a business owner you are making sure that your hardware is compatible with your software. For example, if you were trying to process a payment using a POS with Elavon approved software, the information would not go through if the POS failed to encrypt the Primary Account Numbers.

NOW WHAT

First off, there is no reason that anyone should be non-compliant. Think of it as an additional insurance plan for your business. Being compliant helps to defray card network fines, fees or assessments associated with breaches, in addition to your customers feeling safe and secure.

The information is there, the knowledge is there, the technology is there, awareness is increasing, now it is just a matter of what a responsible business owner will do with it. Remember, you are fine, until your not. So, why risk it? The help and resources are there, so use it.

** The SAFE-T for SMB Services only apply to card-present Transactions (the

processing environment where the Payment Device is physically presented to the Company

by the Cardholder as the form of payment at the time of Transaction) and mail

order/telephone order transactions, and do not apply for Electronic Commerce Transactions.

For mail-order/telephone order transactions, information must be hand-keyed into the POS

Device for SAFE-T For SMB Services to apply.

Jodi Goddard
In Merchant, Technology & Equipment

Traditional Merchant Account VS Payment Service Provider – Which is best?

Whoever is offering the lowest credit card processing rates and fees probably isn’t really the cheapest option and may not be the best fit for your business. Here is why:

In order for a company to offer those types of perks, corners must be cut elsewhere. Customer service may be horrible, or nonexistent altogether, hidden costs to make up for the upfront visual loss, or being locked into a contract or even “free” equipment. Those costs WILL be made up elsewhere. There is no such thing as a free lunch or processing in this case.

In order to tell the difference, we need to break down the two types of providers

You have the option of a traditional merchant account provider, or a payment services provider. Payment Services allow for credit card processing but will not have all the features of a full-service merchant account. As a business owner, you need to understand the differences between the two options.

Payment Service Providers (PSPs)

Payment service providers allow credit card transactions, but you will not have your own unique merchant ID number. Instead, your account is grouped in with other accounts and other merchants. This will take down the costs for monthly fees and PCI compliance, but it will also leave you open to the possibility of having your account shut down from a tiny hint of fraud. Since you opted for a service provider, who cut corners with customer service it will then become the bane of your existence to get your account up and running again.

We understand that small businesses find this type of model very alluring because it seems less expensive but you need to take into account a few things such as security and being fully aware that the loss of revenue from a frozen account is quite common. Some of the top payment service providers are PayPal, Square, and Stripe. Often people think they are the same as a traditional merchant account and that is not the case.

Traditional Merchant Accounts

The main thing that you will get with a merchant account is your own merchant identification number that is specific to your business. Having your own ID number will lower the risks of a fraudulent occurrence. The odds of having your account frozen or shut down are significantly less. When working with a traditional merchant account the added benefits offered are PCI security scans, payment gateways, ACH, eChecks, and more. With the added benefits, there is an added cost, which is very minimal for the services provided when working with Platinum. In addition to these perks and benefits, you can land a better rate by utilizing interchange-plus, interchange optimization and other special pricing structures. A traditional merchant account is actually less expensive than a service provider, plus with the added features, why wouldn’t you want to go the safer and more secure route.

Platinum Payments can set your account up completely customized to meet your needs, US-based customer service 24-7/365, interchange optimization, all the bells and whistles that you can think of that will make your merchant account experience and not the headache you’re used to dealing with. We want to help, not hinder, we want success, not stress.

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 Business Services, Merchant, Retail, Technology & Equipment

Omni-What?

How amazing would it be to have an online order, someone in a retail store, while there is also something going on at a tradeshow or mobile location and another order coming in over the phone all at the same time?

Offering Omni-commerce increases your customers’ chances to purchase, easily, simply and anywhere. With this, you can provide a flawless experience for customers across multiple locations and payment methods.

With the popularity of online shopping, the opportunity for your customers to check your website and see if a specific item is in stock, then have the choice to either order it so an employee can set the item aside for pick up at a later time, or if the item is not currently in stock, customers would have the option of having it shipped to their door, or to the store for pick up.

The up and coming generation is connected across multiple devices and platforms, so being able to reach them across multiple channels adds the potential for increased revenue and also new customers finding your merchandise. Consumers are accustomed to this option in most areas of their life including big box retailers. It isn’t far fetched to think that they would appreciate and almost expect the same from smaller retailers.

The matter of the fact is, if you want to appeal to the younger generations, you need to be easily accessible and on the same platforms that they are on, if not, you risk losing business and not being a recognized name or brand. Bob Dylan said it best, “The times are a changing”, it’s up to the rest of us to keep up or be left behind.

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

Batch Processing – Why It Matters

What is “Batch Processing”?

Once a transaction is made, the card-issuing bank sends an authorization code to the merchant, which is when the processing starts. It is called a batch because the transactions are settled at once.

How the Batch is Processed

After each transaction, the merchant receives the authorization codes, which are compiled into a data file on the terminal, software or gateway. When the merchant is ready to batch out, the codes are uploaded and processed at the same time.

Settlement

Once the merchant has settled for the end of the day, the best time since there is a fee per settlement, all of the authorization codes are then sent to the payment processor, who will then sort and deliver the data to the issuing bank. The bank has usually placed a hold on the funds to cover the transaction. Once it has been settled, the bank will release the funds to the processor, who turns around and deposits it into the merchant’s account. If there are no pending transactions when it’s time to settle the batch, nothing is processed and no fees will be assessed.

Batch Processing Electronic Payments

Batch processing through Converge, our customizable payment gateway requires no special equipment or software. Transactions are processed in real-time with an internet connection that is fully PCI compliant and utilizes most fraud protection measures.

Platinum Payments offers an auto-batch service that will settle the transactions at the same time every day. Batch processing for automated recurring billing, subscriptions or membership fees is a convenient option that can be set up by uploading a file containing customers’ transaction information for billing.

Why does this matter to you?

There may be times your business needs cash quickly, or maybe there’s a holiday coming up and you need to free up some cash that’s been processed. The needs and uses to this are limitless and very unique to your business needs, but one thing is for sure, Batch Processing sounds like something very “defaultey” on your merchant account.

To grab more information reach out to us.

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

Holidays and Small Business

Holidays Small Business

American Express started Holidays Small Business Saturday in 2010. With the changing shopping trends, the bulk of holiday shopping will be done online.

Here are a few tips to make the best of/ survive the holiday season.

 

Timing Is Everything

The end of September is when the stores start rolling out their holiday merchandise and playing that awful Christmas music. It helps get people, who are channeling their inner Grinch, like me, get in the mood for the worst time of the year. Since everyone has shopping on the brain, it is a great way to entice consumers to spend their money at your establishment.

You need to know your best shopping dates. Is your business strictly e-commerce? Then Cyber Monday is for you. If you are a physical location, Black Friday is what you should be focusing on. If you are a bit of both? Do different sales each day.

  • Cyber Monday should be strictly online deals for in-store pickup or shipping. Offering free shipping is a nice perk for customers. Especially in the world where free 2-day shipping is the norm and expected.
  • Customers need to know the last day to make a purchase to ensure delivery before Christmas.

Take advantage of dates that other retailers are not promoting and stand out from the crowd. Especially to the last-minute shoppers.

  • Green Monday, the Monday before Christmas.
  • Super Saturday, the Saturday before Christmas is another shopping day that most other retailers are not promoting, doing so helps you stand out from the crowd and especially appealing to the last-minute shoppers.

Ready for the Holidays Small Business? Beat fraud with top-of-the-line security.

The holidays are a busy time for hackers and fraudsters. Let your customers have peace of mind by making sure everything is secure, updated and compliant. Make sure that your equipment is capable of doing the necessary encryption for all transactions.

Make your website mobile-friendly.

More and more shopping is done online and from a mobile device. Making sure that your website is mobile-friendly is a must. Not doing so, could cause you to lose out on quite a bit of revenue. According to Google, 64% of shoppers use mobile search on smartphones for product ideas before heading to the store. Having an omni-commerce payment solution, like Converge allows you to accept multiple payment options; Being able to take credit and debit card payments as well as newer payment methods that customers expect like Android and Apple Pay. Converge is flexible and secure and allows the use of online shopping carts.

Is an “App” worth it?

Businesses that do have apps will swear by them. Having an app is not feasible for all merchants, but if you can, you really should. Apps allow merchants to connect with customers in more direct ways, by using push notifications for sales, or saving up points/rewards. Exclusive in-app sales are the driving force to keep customers checking for exclusive in-app discounts and updated content. more than half of all internet traffic shopping is done from a mobile device, it only makes sense to take advantage of that by having mobile-friendly pages and/or an app.

A Few Ways To Help Boost Exposure on Holidays Small Businesses event!

  • Start trying to get as many reviews as you can, most people will research a product and check reviews before making a final decision.
  • Taking advantage of ad campaigns, offering giveaways, hosting open houses, customers can use their business cards to enter into a drawing for a gift certificate or a free item.
  • Online exclusive deals, promotions.
  • Different incentives for online vs in-store.
  • Offer pre-packaged gift sets
  • Having gift wrapping is a huge plus for customers that larger stores don’t offer.

Having to compete with bigger businesses who have a bigger budget is hard, merchants need to get creative with their advertising. Considering offering things that are unique to your business is a magnet for customers to want to visit your establishment and take advantage of a more personable shopping experience that consumers crave.

How much does that “experience” really matter?

From a customer’s viewpoint, if the experience is negative, 90% of online shoppers say they have or will hurt a retailer in response to a bad post-purchase experience, ranging from sharing their frustrations on social media to never purchasing from that site again. “ Millennials, in particular, are happy to go public: 30% will complain in an online review or social media post after they experience post-purchase issues”.

Some of the most common complaints to be aware of include; late delivery, expensive shipping, tracking issues, confusing return policies and lost or incorrect items

Fun Facts For The Day

  • RetailMeNot reported the average customer is ready to spend around $700 on the weekend between Black Friday and Cyber Monday
  • When you shop local, that money stays local. It was reported that spending $100 at a local business results in $68 that stays in that community, compared to the $43 for national and franchised businesses.
  • Local money stays local. Spending $100 at a local business reportedly results in $68 that stays in the community, compared to $43 for national and franchise businesses.

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.