Revised December 2011

Chase Paymentech XpressLab is the product of a strategic alliance between Chase Paymentech, Inc. and IP Commerce, Inc. (heretofore IPC). The Chase Paymentech XpressLab is jointly managed by both companies. 

At IP Commerce, we place the highest importance on maintaining and protecting the privacy of our customers. We believe that protecting your privacy is an integral part of the service we provide and we know that you care about how your information is used and shared.  This notice describes our privacy policy.  By applying for our services, you expressly consent to our use and disclosure of your personal information as described in this Privacy Policy.

What Personal Information Does IP Commerce Gather?

We have limited relationships with third parties (“Partners”) and the service we provide for them allows you to conveniently apply on-line for a variety of programs offered by our Partners.  When you request our Partners’ products or services, you are permitting us to collect your personal information on their behalf and to provide your personal information to the Partner to fulfill your request.  For example, in order to process your application either IP Commerce or our Partner may request your full name, address, phone number, email address credit/debit card number, bank account information, social security number or taxpayer identification number in order to process your application.

What Security Measures We Take

IP Commerce takes precautions to secure your personally identifiable information.  If and when we ask you to provide your personally identifiable information, we will do so through a Web page that uses the Secure Sockets Layer (SSL) protocol, also known as HTTPS.  This protocol provides security for your information by encrypting it as it travels from your computer to our computer.  For security purposes, we move all of the personal information that we collect or obtain about you to special computers by means of a one-way transfer on our proprietary network.  These special computers are not connected to the Internet and IP Commerce has controls in place to limit access to and secure the data maintained on these computers..  Our employees are trained and required to safeguard your information, and, using physical, electronic and procedural safeguards, we restrict access to personal information to those employees and agents for business purposes only.  Additionally, we use internal and external resources to review the adequacy of our security procedures.

How We Use and Share your Personal Information

If you indicate to us that you are interested in applying for a program offered by an IP Commerce Partner, your name and e-mail address and other information we collect that is required by the Partner program, will be shared with that particular Partner Please note that our Partner may have its own privacy policies and IP Commerce is not responsible for their operations, including, but not limited to, their information practices. .  If you prefer not to communicate this information to the Partner – DO NOT APPLY.  In the course of performing our services, we may also be reporting your information and collecting information from credit bureaus and/or consumer reporting agencies.  We may also use the services of third-party non-affiliated third parties to provide and maintain the computers on which your personal information is stored.  And, we may disclose your personal information to government entities, courts or other entities (in response to subpoenas and other legal processes).

The Collection of Anonymous Data

In order to enhance the usefulness of our products and services, we will collect data about our customers' use of our service in a manner that does not include any personally identifiable information.  While you utilize our service, we note which service pages you visit and the IP address of your computer, but we do not link that address information to your personal information.  The general information we gather enables us to serve our customers better by continually enhancing our service based on up-to-date use patterns.

Information Regarding your Application

Unless you elect to save your application using a user ID and Password, the application information will not be available to you after  you apply.  Should you want to retain access your application data, you may create an ID and Password.  You may not share your IP Commerce password with anyone.  If you do share your IP Commerce password with a third party for any reason, the third party will have access to this information contained on your application and you may be responsible for actions taken using your password.  IP Commerce retains all of your information in an on-line fashion for 365 days.  After 365 days, applicant information will be destroyed.

Updating your Personal Information and Email Preferences

If you elect to create a personal user ID and password, you can access and update the personal information that you provided, at any time prior to submission, by accessing the service as a returning user.  The web address of the service will be emailed to you at the time you create your personal credentials.  IP Commerce is neither responsible for the accuracy of the information you provide, nor the information that is returned from processing.  IP Commerce cannot edit applicant data or results.  If you believe that some of the information that was returned is inaccurate, you must contact the Partner to whom you are applying.  Information concerning which services your application was processed through, as well as reasons for acceptance or decline, is available from the Partner.

Notification of Changes to this Privacy Policy

This Privacy Policy may be revised over time as IP Commerce adds new features to its services or as we incorporate comments from our customers.  We may amend this Privacy Policy at any time by posting a revised version on our Website.  Generally, the revised version will be effective at the time we post it. If we propose to change this Privacy Policy is a substantial way, we will provide you with at least 30 days’ prior notice of the change, after which you will be considered to have expressly consented to all amendments to the Privacy Policy.  If you disagree with the terms of this Privacy Policy, you may close your account at any time.

Business Combination

In the event of an acquisition of all or part of IP Commerce by another company, or in the event that IP Commerce were to sell or dispose of all or a part of the business, or engaged in another form of business combination, the acquirer would have access to the information maintained by IP Commerce, which could, subject to applicable law, include your personal information.  The acquirer's privacy policy might be different than IP Commerce's privacy policy, or the acquirer might choose to amend IP Commerce's privacy policy. We will follow the procedures described above, “Notification of Changes to this Privacy Policy,” in the event of changes in this Policy resulting from a business combination. Please check the IP Commerce website at http://lab.chasepaymentechxpress.com/privacy_policy.aspx at any time for the most current version of our Privacy Policy.

The Use of Cookies

IP Commerce uses "cookies," which are pieces of information that a service transfers to your web browser for record keeping purposes, to facilitate your use of our Products and Services.  These cookies provide us with a means of identifying you and locating your record in the event you save or submit an application.  They do not contain personal information and do not grant any access to the application you have on file with us.
Our Partners who allow you to use our services may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure usage.  IP Commerce cannot comment on their usage.

Links to Other Services

Some pages on the IP Commerce Service may contain links to other services provided by third parties.  We do not provide any personally identifiable customer information through these links. Please note that when you click on one of these links, you are moving to third party’s site.  We do not have access to or control over cookies or other features that they may use and encourage you to read the privacy statements of these linked services as their privacy policy may differ from ours.

Policy Regarding Children

Children are not eligible to use our services and we ask that minors (persons under the age of 18) do not submit any personal information to use or use our services.

You Can Contact Us

If you have privacy-related questions that are not addressed here, please use our contact page at http://lab.chasepaymentechxpress.com/about/contact.aspx

Full Chase Paymentech Privacy Policy can be found at www.chasepaymentech.com