This Exela BillPay™ Privacy Policy (hereinafter sometimes
referred to as the "Policy") applies to this Exela BillPay™
online interface (whether on our website or mobile application on your device) and
any affiliate or subsidiary online interface that links to this Policy (each, a
Site, and, collectively, Sites). The term Exela BillPay™
or "we" or "us" or "our" in this Policy refers to
affiliates or subsidiaries of Exela Technologies that link to this Policy. The terms
"you", "your" and "user" means the individual accepting this Privacy Policy and
the Terms and Conditions
[insert web link
to Terms and Conditions]
and such individual is personally bound
by these terms as set forth in the policy. If you are accepting this policy on behalf
of a company or other legal entity, then the terms "you", "your" and "user" mean
such company and its affiliates, officers, directors, employees, agents, contractors
and assigns. If you are entering into these terms on behalf of a company or other
legal entity, you represent that you have the authority to bind such entity and
its affiliates to this policy. If you do not have such authority, you are not authorized
to use the Exela BillPay™ Site, Exela BillPay™
App or Exela BillPay™ Services.
This Policy describes how Sites may collect, use and share information from or about
you, and explains how information may be collected and used for advertising purposes.
Exela Technologies may provide other online interfaces not covered by this Policy.
If you visit or access your services from one of these sites, please review the
online privacy practices of that site to understand how your online information
may be collected, used and shared. By using this Site you consent to this Exela BillPay™ Privacy Policy, including your consent to our use
and disclosure of information about you in the manner described herein. We will
use and share any information that we collect from or about you in accordance with
Exela BillPay™ Privacy Policy, which provides choices in
the use and sharing of information. The terms and conditions of this Policy control,
and by using the Site, you agree to the terms and conditions of this Policy.
Information
In the course of using the Exela BillPay™ Services, you
will disclose Personally Identifiable Information ("PII") to us. You acknowledge
and consent that we may use and store any such information about you in accordance
with this Privacy Policy. You consent to our processing and storing your personally
identifiable information on a server located outside of your jurisdiction. By providing
your PII to us, you consent to the transfer of your information across national
boundaries. If you do not consent to such transfer as well as the processing and
storage of your PII outside your jurisdiction, you should not provide such information
to us.
How We Use PII
We may use PII:
-
to allow you to apply for products or services and evaluate your eligibility for
such products or services;
-
to deliver marketing communications that we believe may be of interest to you, including,
ads or offers tailored to you, including ads on other websites;
- to personalize your experience on the Site;
- alert you to software compatibility issues and to improve our web design and functionality;
-
to respond to your inquiries and inform you about important information regarding
the Site, products or services for which you apply or in which you are enrolled,
changes to terms, conditions, and policies and/or other administrative information;
-
perform market research, project planning, product development, troubleshooting
problems, analysis of user behavior, marketing and promotions (some of these activities
have additional rules, which may contain additional information about how Personal
Information is used and shared);
- to fulfil your requests;
-
to verify your identity and/or location (or the identity or location of your representative
or agent) in order to allow access to your services, conduct online transactions
and to maintain measures aimed at preventing fraud and protecting the security of
your personal information;
-
to allow you to participate in surveys and other forms of market research, sweepstakes,
contests and similar promotions and to administer these activities.
-
collected through our social media pages and other online interactions with you
to assist in verifying your identity and account status. We may combine this online
information with information collected from offline sources or information we already
have;
-
for business purposes, including data analysis, audits, developing and improving
products and services, enhancing the Site, identifying usage trends and determining
the effectiveness of promotional campaigns;
-
for risk control, for fraud detection and prevention, to comply with laws and regulations,
and to comply with other legal process and law enforcement requirements;
-
to allow you to utilize features within our Sites by granting us access to information
from your device such as contact lists, or geo-location when you request certain
services.
Non-Personal Information We Collect Online
Non-Personal Information is any information other than PII that does not reveal
your specific identity or does not directly relate to an individual, such as browser
information, information collected through cookies, pixel tags and other technologies,
demographic information, other information provided by you such as your date of
birth or household income, and aggregated and de-identified data.
How We Collect and Use Other Information
We and our third-party service providers may collect and use other Information in
a variety of ways, including:
Through your browser or device: Certain information is collected by most browsers
and/or through your device, such as your Media Access Control (MAC) address, device
type, screen resolution, operating system version and internet browser type and
version. We use this information to ensure Sites function properly, for fraud detection
and prevention, and security purposes.
Using cookies: Cookies are pieces of information stored directly on the device you
are using. Cookies we use do not contain or capture unencrypted Personal Information.
Cookies allow us to collect information such as browser type, time spent on the
Site, pages visited, language preferences, and your relationship with us. We use
the information for security purposes, to facilitate navigation, to display information
more effectively, to personalize/tailor your experience while engaging with us,
and to recognize your device to allow your use of our online products and services.
We collect statistical information about the usage of the Site in order to continually
improve the design and functionality, to monitor responses to our advertisements
and content, to understand how account holders and visitors use the Site and to
assist us with resolving questions regarding the Site. We also utilize cookies for
advertising purposes. Please see the Advertising section below for more information.
You can refuse to accept these cookies and most devices and browsers offer their
own privacy settings for cookies. You will need to manage your cookie settings for
each device and browser you use. However, if you do not accept these cookies, you
may experience some inconvenience in your use of the Site and some online products
and services. For example, we will not be able to recognize your device and you
will need to answer a challenge question each time you log on. The site may not
load or display properly. You also may not receive tailored advertising or other
offers from us that may be relevant to your interests and needs.
Other technologies including pixel tags, web beacons, and clear GIFs: These may
be used in connection with some Site pages, downloadable mobile applications and
HTML-formatted email messages to measure the effectiveness of our communications,
the success of our marketing campaigns, to compile statistics about usage and response
rates, for fraud detection and prevention, for security purposes, for advertising,
and to assist us in resolving account holders' questions regarding use of our Site.
Please see our Advertising section below for more information regarding our use
of other technologies.
IP Address: Your IP Address is a number that is automatically assigned to the device
that you are using by your Internet Service Provider (ISP). An IP Address is identified
and logged automatically in our server log files whenever a user visits the Site,
along with the time of the visit and the page(s) that were visited. Collecting IP
Addresses is standard practice on the internet and is done automatically by many
web sites. We use IP Addresses for purposes such as calculating Site usage levels,
helping diagnose server problems, advertising, for compliance and security purposes
and administering the Site. Please see the Advertising section below for more information.
Aggregated and De-identified Data: Aggregated and De-identified Data is data that
we may create or compile from various sources, including but not limited to accounts
and transactions. This information, which does not identify individual account holders,
may be used for our business purposes, which may include offering products or services,
research, marketing or analyzing market trends, and other purposes consistent with
applicable laws.
Retargeting – As you browse ExelaBillPayglobal.com, advertising cookies will be placed
on your computer so that we can understand what you are interested in. Our display
advertising partners enable us to present you with retargeting advertising on other
sites based on your previous interaction with ExelaBillPayglobal.com and affiliated pages
and sites. The techniques our partners employ do not collect personal information
such as your name, email address, postal address or telephone number.
Making sure information is accurate.
Keeping your information accurate and up to date is very important. If your information
is incomplete, inaccurate or not current, please email or write to us at the appropriate
address for changes listed on your service materials as provided by us.
Business Transitions
In the event that Exela BillPay™ goes through a business
transition, such as a merger, acquisition by another company, or sale of all or
a portion of its assets, your personally identifiable information will likely be
among the assets transferred. You will be notified via prominent notice on our website
for 30 days of any such change in ownership or control of your personal information,
as well as any choices you may have regarding your personal information.
California Do Not Track Disclosures
We currently do not respond to DNT signals in browsers because we do not track individual
users across the web. Other parties may not collect personally identifiable information
about an individual consumer’s online activities over time and across different
websites when they use the Exela BillPay™ Sites.
Policy to California Residents
In response to a California law, we will automatically treat accounts with California
billing addresses as if you requested Exela BillPay™ to
not share your information with non-affiliated third parties except as permitted
by the applicable California law. We will also limit the sharing of information
about you with our affiliates to comply with California privacy laws that apply
to us.
Residents of the State of California may request a list of all third-parties to
which this website has disclosed certain information during the preceding year for
those third-parties’ direct marketing purposes. For all requests, you must put the
statement "California Shine the Light Privacy Request" in the body of
your request, as well as your name, street address, city, state, and zip code. Please
note that we are not responsible for requests that are not labelled or sent properly,
or that do not have complete information.
Policy to Vermont Residents
In response to Vermont regulations, Exela BillPay™ automatically
treats accounts with Vermont billing addresses as if you requested that Exela BillPay™ not share your information with non-affiliated
third parties, and that Exela BillPay™ limit the information
it shares with its affiliates. If Exela BillPay™ discloses
information about you to non-affiliated third parties with whom we have joint marketing
agreements; we will only disclose your name, address, other contact information,
and information about our transaction and experiences with you.
Policy to Nevada Residents
We are providing you this notice pursuant to state law. You may be placed on our
internal Do Not Call List by following the directions set forth above. Nevada law
requires that we also provide you with the following contact information: Bureau
of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington
St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132;
Policy to Users Outside of the United States
If you are visiting our websites from outside the United States, please be aware
that your information may be transferred to, stored and processed in the United
States where our servers are located and our central database is operated. The data
protection and laws of the United States and other countries might not be as comprehensive
as those in your country. By using our services, you understand and consent that
your information may be transferred to our facilities and those third-parties with
whom we share it as described in this Policy.
Policy to All Users
The Company will cooperate with the appropriate regulatory authorities, including
local data protection regulatory authorities, to resolve any complaints regarding
the transfer of personal data that cannot be resolved between the Company and an
individual.
Protecting children's privacy online
The Site is not directed to individuals under the age of thirteen (13), and we request
that these individuals do not provide Personal Information through the Site. We
do not knowingly collect information from children under 13 without parental consent.
Visit the Federal Trade Commission website for more information about the Children's
Online Privacy Protection Act (COPPA). If you believe that Exela BillPay™
has received information from a child or other person who is not a majority age
in their relevant jurisdiction, please contact us at our e-mail or physical mailing
address listed in the "Contact Us" section below and we will take all
reasonable efforts to remove the information.
Protecting individual health information
To the extent that we receive, maintain, or process an individual’s protected health
information, Exela BillPay™ may disclose that information
as authorized by and in accordance with applicable federal and/or state law.
Updates to this Privacy Policy
This Online Privacy Policy is subject to change. Please review it periodically.
If we make changes to the Privacy Policy, we will revise the "Last Updated"
date at the top of this Policy. Any changes to this Policy will become effective
when we post the revised Policy on the Site. Your use of the Site following these
changes means that you accept the revised Policy.
PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.
