Internet privacy

At eFunds, we take your privacy very seriously. We are committed to using technology that gives you the safest online experience available, and our Internet Privacy Policy will help you understand how eFunds and its subsidiaries collect, use, and safeguard consumer and visitor information provided through any eFunds website. Our Internet Privacy Policy addresses the following areas, each of which is described in greater detail below:

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Consumer reporting agencies operated by eFunds

eFunds owns and operates two consumer reporting agencies (CRAs) – Deposit Payment Protection Services, which operates the SCANSM network, and ChexSystemsSM. The federal Fair Credit Reporting Act (FCRA) and other applicable laws govern these two CRAs. For more information about the FCRA, visit www.ftc.gov.

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Collection and use of non-identifiable information

To ensure your online privacy, eFunds does not collect personal information without your knowledge. Each time you visit one of our websites, our servers recognize and record the website you came from, and the website you visit when leaving. eFunds uses this information in aggregate to determine the overall usage of our sites and to help in assessing the overall effectiveness of our web presence.

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Use of cookies

eFunds.com will automatically place a cookie on your computer the first time you visit our site and select a region of the world that eFunds services. Placing a cookie enables the site to recognize your computer each time you visit and quickly take you directly to the regional home page you previously selected. eFunds itself does not store cookies. If you have disabled cookies on your browser or if you regularly delete cookies, each visit to efunds.com will begin on the splash or introductory page, where you will be asked to select a region. Navigation to any region (including the corporate home region) is simple once you are within the eFunds.com website.

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Personal information you choose to provide

At times, eFunds may ask you to supply personal information to us for correspondence and site registration or for participating in online surveys, requesting consumer reports, or exploring employment opportunities. If you decide to provide this information, eFunds may ask for your name, mailing address, phone number, and email address. The consumer reporting agencies operated by eFunds may also ask for particular pieces of your bank and credit card information. When you submit personal information to us, you understand and agree that eFunds and its subsidiaries may access, store and use your information to the extent permitted by law. Any information you choose to send to us will be safeguarded to strict standards of security and confidentiality. eFunds does not create lists containing nonpublic personal information used for direct marketing purposes.

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Information security

The security measures in place on eFunds' websites sites prevent the loss, misuse and alteration of the information under our control. We offer the industry standard security measures available through your browser. To provide you with additional security, all encrypted information sent from your computer is encrypted en route to eFunds and decrypted once it reaches our server. However, information sent to us through some channels (including email) may not be secure unless we advise you that security measures are in place before your transmission. As a result, we ask that you do not send confidential information such as Social Security or account numbers to us via unsecured email. These communications should be sent to us by postal mail or telephone.

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Correct/update/access

eFunds is committed to ensuring the consumer information we obtain and use is accurate. You can help us maintain accurate information by informing us of changes or modifications through the Questions or suggestions methods described below. eFunds’ service representatives are trained to answer consumer questions regarding information we have about them, and to give consumers reasonable access to this information.

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Children visiting eFunds’ websites

Our websites are intended for adults. However, we understand that children may access our sites and provide personal information or request information about products and services. Because eFunds complies with the Children’s Online Privacy Protection Act, if children do access our websites, we are confident that parents will not judge any of our information as objectionable for viewing. Children should seek the consent of their parents before providing any information about themselves or their households on the Internet.

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Other websites linked to eFunds’ websites

eFunds is not responsible for the content or information practices employed by websites linked to or from our sites. In most cases, links to non-eFunds websites are provided solely as pointers to information that may be useful to users of our websites.

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Policy and procedure enforcement

Periodically, our operational and business practices are reviewed to ensure compliance with corporate policies and procedures that govern the confidentiality of information. These reviews are conducted by internal staff, internal auditors who report directly to the eFunds board of directors, external auditing and accounting firms, and government regulators. Included in these self-assessments and examinations are control and safeguard reviews related to consumer privacy, which are described within this Internet Privacy Policy.

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Your acceptance of these terms

By using eFunds’ websites, you consent to the terms of the eFunds Internet Privacy Policy. If you do not agree with this policy, we suggest that you do not use our websites. eFunds reserve the right, at our discretion, to change, modify, add or remove portions from this policy at any time. Your continued use of eFunds' websites following the posting of changes to these policy terms means that you accept all the policy changes.

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Additional information on eFunds privacy and data usage policies

For more information about policies and practices not specifically related to the Internet, we invite you to review the eFunds Privacy White Paper and the eFunds Data Practices Policy.

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Questions or suggestions

If you have questions or suggestions about our Internet Privacy Policy or your dealings with any of our websites, please contact our webmaster or via postal mail at Gainey Center II, Suite 300, 8501 North Scottsdale Road, Scottsdale, Arizona 85253.

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Obtaining or correcting consumer reports

To see if ChexSystems or SCAN has any consumer financial information related to you, or to submit questions or corrections regarding your status with these two agencies, please contact:

ChexSystems
Consumer Relations

SCAN
Consumer Referral Services

7805 Hudson Road, Suite 100
Woodbury, MN 55125
(Phone) 1-800-428-9623

7805 Hudson Road, Suite 100
Woodbury, MN 55125
(Phone) 1-800-382-7226

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