Privacy Policy

We Protect Your Privacy

Protecting your privacy is important to us. We hope the following statement will help you understand how Solaris Financial collects, uses and safeguards the personal information you provide to us on our website and as a customer of Solaris Financial.

Security - When confidential personal account data is sent to Solaris Financial through the Internet, we require that a "secure session" first be established using Secure Socket Layer (SSL), or Secure Electronic Transaction (SET) protocol when that is fully available. Solaris Financial's internal security standards safeguard your information submitted by computer in several ways. Encryption helps protect your data from interception by a third party. Except for access to data by Solaris Financial Personnel or the sponsor of your card program required to conduct business, you will be the only person accessing your data. We use security techniques designed to protect our customer data -- especially when certain data is used by employees and business partners to fulfill customer services.

Information Collection - When you browse any Solaris Financial website, you do so anonymously. Personal information -- including your E-mail address -- is not collected. Some of our websites, however, may request that you voluntarily supply us with personal information, including your E-mail address and account number (if you are a Solaris Financial Client), for purposes such as correspondence, account maintenance, checking your bill, making a purchase, or participating in voluntary online surveys. We limit the collection of information about our customers to what we need to know to administer their accounts, to provide customer services, to offer new products and services, and to fulfill any legal and regulatory requirements. Solaris Financial uses advanced technology and well-defined employee practices to help ensure that customer data is processed promptly, accurately and completely. Solaris Financial employees are permitted access to only the information they need to perform their jobs. Solaris Financial maintains strict internal policies against unauthorized disclosure or use of your information. Each Solaris Financial employee is personally responsible for maintaining consumer confidence in the company. We provide training and communications programs designed to educate employees about the meaning and requirements of these Customer Privacy Principles. We conduct reviews of our compliance with the privacy principles and the specific policies and practices that support the principles. Employees who violate these principles or other company policies and practices are subject to disciplinary action, up to and including dismissal. Employees are expected to report violations -- and may do so confidentially -- to their managers.

Information Use - If you provide us with your E-mail address, or have done so in the past, we may upon occasion send you information by E-mail. We may use information you have given us to, for example, provide a service, ensure proper billing and inform you about products and services. These offers may be based on information you provided in your initial transaction with us, in surveys, as well as information available from your card program sponsor. Primarily, these E-mail offers will come from Solaris Financial. The lists used to send you information will be developed and managed under strict conditions designed to safeguard the security and privacy of customer information. Solaris Financial maintains your transaction history according to various federal and state laws and regulations concerning record retention.

Company Commitment to Privacy - In keeping with our strong interest in consumer privacy protection, Solaris Financial keeps abreast of current industry initiatives to preserve individual privacy rights on the Internet and in all aspects of electronic commerce. Solaris Financial extends these privacy principles to our business relationships. We expect the companies we select as our business partners to honor our privacy principles in the handling of customer information. These include companies that assist us in providing services to our customers. In selecting business partners, Solaris Financial considers the accuracy and quality of the data they provide, how they respond to consumer complaints and whether or not they provide opt-out choices for those whose information they process. In working with our partners and vendors to compile and use lists of customers and prospective customers for marketing purposes, we require strict contractual obligations regarding security, allowing us to audit those who are involved in the process. If you have any questions about this statement, you can reach us at 1-800-903-5914, or you may send us an E-mail at privacy@merchantsvcny.com.

Linked Internet Sites - User should be aware that other Internet sites to which User hyperlinks from the Site may contain privacy provisions that differ from the provisions provided herein. Solaris Financial is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions. Because we strongly advocate the protection of customer information, we believe that the adoption and implementation of the Solaris Financial. Customer Privacy Principles, above, are good business practices, and will serve the interests of our customers in effective privacy protection. These Customer Privacy Principles guide our conduct in the collection, use, release and security of customer information, as well as the responsibilities we assume as employees, including our dealings with our business partners. These principles define our commitment to protect the privacy of our various customers. Each Solaris Financial business unit maintains its own additional rules and practices, which are fully consistent with these principles, and which they may modify as needed for particular products and services, or to conform to local laws or customs around the world.

If you have questions or comments about the Solaris Financial Customer Privacy Principles, please contact the Solaris Financial Corporate Office, 768 Elmont Rd. Suite 38315, Alden Manor., NY 11003.