Paystar Privacy Policy

This Privacy Policy was last updated on March 8th, 2009

Paystar has built a premier service with the highest level of security for your personal information and funds. We understand that winning and keeping your trust is integral to our success. That is why we are committed to protecting the information you provide to us. Our on-line privacy policy provides you with the measures we take so you can make informed decisions about participating in our prepaid card programs. This privacy policy covers both our website and use of our services, and is our notice to you of:

• What personal information is collected from or about you
• How the information is used and shared
• Our security procedures that protect against loss or misuse of the information under our control
• Your available choices regarding collection, use and distribution of the information
• How to correct inaccuracies in the information submitted to us

If you have questions or concerns regarding this statement, you should first contact us using the methods listed below under Contacting Us About Privacy.

INFORMATION COLLECTION AND USE

Registration
In order to use the services offered on this Website, you must first complete the registration form. During registration you are required to provide contact information (such as name and email address) and other personally identifiable information such as social security number. This information is used to facilitate financial transactions between individuals, and may be used periodically to inform you of transaction history or other details pertaining to the prepaid card account. Card number and PIN are entered on the initial login to the website, after which time a personal password may be selected. Card number and password are used to verify your identity when logging in to the Website.

Sending Money
We request information from you during the send money process. You must provide contact information (such as name and shipping address) and financial information (such as credit card number and expiration date or checking account number). This information is used for billing purposes. If we have trouble processing an order, the contact information is used to get in touch with you.

Surveys
From time-to-time our site requests information from you via surveys. Participation in these surveys is completely voluntary. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site. Though we may use an intermediary to conduct these surveys, they may not use any personally identifiable information for any secondary purposes.

Tell-A-Friend
If you elect to use our referral service for informing a friend about our site, we will ask you for the friend's name and email address. Paystar will automatically send the friend a one-time email inviting them to visit the site. Paystar stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program. The friend may contact Paystar at info@paystar.net to request the removal of this information from our database.

Cookies
As is the standard for many major websites, this Website may employ the use of "cookies". These "cookies" are small files that are stored by your browser, and allow us to identify you and associate you with your Paystar prepaid card account. Cookies are not linked to any personally identifiable information while on our site.

You have the ability to disable cookies, or have the browser that you are using inform you of when a cookie is being sent to your computer. If you reject our cookie, you may still use our site, but certain areas of our site may be limited to you.

We use third-party advertising companies to serve our ads on the Internet. These third-party advertising companies employ cookie and Clear Gif technology (such as 1x1 Pixel .gifs, Web bugs) to measure and improve the effectiveness of ads for their clients. To do so, these companies may use anonymous information about your visits to our Web site and other Web sites. This information can include: date/time of banner ad shown, the banner ad that was shown, their cookie, the IP address. This information can also be used for online preference marketing purposes. You may also delete these cookies from your computer at any time. However, if you delete or disable cookies on your computer, you may reduce the functionality of our website.

Supplementation of Information
In order for this Web site to properly fulfill its obligation, it is necessary for us to supplement the information we receive with information from 3rd party sources. For example, to determine if your proposed transfer of funds is valid, we use your personal information to verify who you are and to validate your financial information.

INFORMATION SHARING

Paystar Personnel
We store your information in a protected computer system and we allow only authorized Paystar personnel access to this information. Access to information is provided only to Paystar personnel needing the access to complete their job functions and render services as promised. In addition, Paystar personnel are trained on the Privacy Policy and are held accountable to the Privacy Policy. Personnel violating these policies may be subject to disciplinary action, including dismissal.

Trusted 3rd Parties
When you initiate a financial transaction, only the required information will be provided to organizations that facilitate the transfer of funds from an originator to a recipient. We do not sell your information to 3rd parties. We rely on trusted partners to fulfill your request to transfer funds. We use financial institutions throughout the world to deliver funds to recipients and provide assistance to our customers. We also use trusted partners to verify your identifying information. These institutions are carefully selected by Paystar. Our contracts with 3rd parties are written to ensure your personal information is protected. In general, we will not disclose your personally identifiable information to third parties except to the extent necessary to:

• Provide you with our offered services
• Process funding transactions
• Prevent fraudulent activities
• Comply with any applicable law, regulation, or legal process
• Protect or enforce our rights or the rights of third party service providers

SECURITY

Encryption
When you enter sensitive information, such as a credit card number, we protect the communication link from your browser to our Web server by using a secure (encrypted) communication session. The encrypted communication is established using secure socket layer (SSL) technology, the protocol used by all responsible websites on the Internet. In addition, we store all information you provide us on protected servers. Funding sources such as credit card numbers are stored in an encrypted format.

Authentication Credentials
You will be provided with a user ID and password that is used to uniquely identify you each time you visit the site or initiate a transaction. We protect your user ID and password authentication credentials during the login process by encrypting the communication link with SSL.

Firewalls
We store information that you provide on a secure database. This information is accessed only to fulfill orders and answer account-specific queries. We use firewalls to restrict access to our secure servers to authorized persons only.

Internal Access Controls
We restrict internal access to personal information to those employees who require such information to perform their jobs. All employees are trained on our security policies. An employee's failure to abide by these policies constitutes grounds for immediate dismissal. For questions concerning our website security, please contact us at info@paystar.net.

YOUR RESPONSIBILITIES

Please remember that protection of your privacy begins with you. You are solely responsible for maintaining the secrecy of any password you use on our Web Site, and you should always be careful and responsible whenever disclosing such information. You will be held solely responsible for activity in your account that results from your failure to keep your password secure.

CHANGES TO PAYSTAR PRIVACY POLICY

If we change our Privacy Policy we will post a notice on the Web Site before changes take affect. If we are going to use personally identifiable information in a manner different from that stated at the time of collection, we will notify you via email. Your continued use of our services will indicate your consent to use your information in accordance with the updated Privacy Policy.

UPDATES TO PERSONALLY IDENTIFIABLE INFORMATION

If your personally identifiable information changes, or if you no longer desire our service, you may [correct, update, delete or deactivate it] by making the change on our member information page [or by emailing our Customer Support at info@paystar.net with category of Privacy] or by contacting us by telephone or postal mail at the contact information listed below:

YOUR ACCEPTANCE OF THE PAYSTAR PRIVACY POLICY

By using the Paystar Website and services, you signify your acceptance of the use of your information in the manner described in this Privacy Policy and the Terms and Conditions.

CONTACTING US ABOUT PRIVACY

If you have questions or concerns about our privacy practices, please send an email to: info@paystar.net.

You may contact us by mail at:

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