Privacy Policy

Last modified: June 9, 2022

 

Introduction

National Checking Company (d/b/a NCCO) together with its affiliates ("Company" or "we" or “us”) respect your privacy and are committed to protecting it through our compliance with this Policy.

This Policy describes the types of information we may collect from you or that you may provide when you visit the following websites:

(our "Websites") and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This Policy applies to information we collect:

  • On these Websites.
  • In email, text, and other electronic messages, you send and receive through your use of the Websites.
  • Through any mobile and desktop applications you download, access, or use from or through the Websites (subject to any terms and condition for such applications).
  • Any orders for products or services that you place on or through the Websites.
  • Or any other communications or interactions you engage in through the Websites that involve the exchange of information of the type discussed in this Policy.

It does not apply to information collected by:

  • Us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or
  • Any third party (including our affiliates and subsidiaries), including through any third party application or content (including advertising) that may link to or be accessible from or through the Websites.

Please read this Policy carefully to understand our policies and practices regarding your information and how we will treat it.  If you do not agree with our policies and practices, your choice is not to use our Websites.  By accessing or using the Websites, you agree to this privacy Policy.  This Policy may change from time to time (see Changes to Our Privacy Policy).  Your continued use of the Websites after we make changes is deemed to be acceptance of those changes, so please check the Policy periodically for updates.

 

Children Under the Age of 13

Our Websites are not intended for children under 13 years of age.  No one under age 13 may provide any personal information to or on the Websites.  We do not knowingly collect personal information from children under 13.  If you are under 13, do not use or provide any information on the Websites, register on the Websites, or make any purchases through the Websites.  If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information.  If you believe we might have any information from or about a child under 13, please contact us at the address listed below in the Contact Information section.

California residents under 13 years of age may have additional rights regarding the collection and sale of their personal information.

 

Information We Collect About You and How We Collect It

We may collect several types of information from and about users of our Websites, including information:

  • By which you may be personally identified, such as name, postal address, email address, telephone number, or other personally identifiable information ("personal information").
  • Your Internet Protocol (IP) address, which is the number automatically assigned to your device whenever you access the Internet and that can sometimes be used to derive your general geographic area.
  • Other unique identifiers, including mobile device identification numbers.
  • Sites you visited before and after visiting the Websites.
  • Pages you view and links you click on within the Websites.
  • Standard Server Log Information.
  • Information that you provide by filling in forms on our Websites, registering to use our Websites, or subscribing to our service.
  • Records and copies of your correspondence (including email addresses), if you contact us.
  • Information about product orders carried out through our Websites and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Websites.
  • Other information that is about you but individually does not identify you.

As you navigate through and interact with our Websites, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

  • Details of your visits to our Websites, which may include traffic data, location data, logs, and other communication data and the resources that you access and use on the Websites.
  • Information about your computer and internet connection, including your IP address, operating system, and browser type.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).

The information we collect automatically generally comprises statistical/operational data and usually does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties.  It helps us to improve our Websites and to deliver a better and more personalized service, including by enabling us to:

  • Estimate our audience size and usage patterns.
  • Store information about your preferences, allowing us to customize our Websites according to your individual interests.
  • Speed up your navigation of the Website.
  • Recognize you when you return to our Websites.
  • For internal purposes.
  • And to evaluate and update the Websites.

The technologies we use for this automatic data collection may include:

  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer.  You may refuse to accept browser cookies by activating the appropriate setting on your browser.  However, if you select this setting you may be unable to access certain parts of our Websites.  Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Websites.
  • Web Beacons. Pages of our Websites and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
  • Flash Cookies. Certain features of our Websites may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Websites.  Flash cookies are not managed by the same browser settings as are used for browser cookies.  For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.

 

Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Websites are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers.  These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website.  The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services.  They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties' tracking technologies or how they may be used.  If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

 

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

  • To present our Websites and its contents to you.
  • To provide you with information, products, or services that you request from us.
  • To fulfill any other purpose for which you provide it.
  • To provide you with notices about your account/subscription.
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
  • To notify you about changes to our Websites or any products or services we offer or provide though it.
  • To fulfill orders, purchases, or other transactions you engage in through the Websites.
  • For any other purpose for which you provided the information.

We may also use your information to contact you about our own and third parties' goods and services that may be of interest to you.  If you do not want us to use your information in this way, please you may unsubscribe from such communications. 

We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences.  If you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

 

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose other information, including personal information, that we collect or you provide as described in this Policy:

  • To our subsidiaries and affiliates.
  • To contractors, service providers, and other third parties we use to support our business.
  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company's (or a subsidiaries or affiliates) assets/equity, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding.
  • To third parties to market their products or services to you if you have not opted out of these disclosures.
  • To fulfill the purpose for which you provide it.
  • For any other purpose disclosed by us when you provide the information.
  • With your consent.
  • To comply with any legal obligation, court order, law, or legal process, including responding to any government or regulatory request.
  • To enforce or apply our terms of use and other agreements, including for order fulfillment, billing, and collection purposes.
  • We may share public information with third parties.
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Company, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

 

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us.  Mechanisms exist to provide you with the following control over your information:

  • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent.  To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website.  If you disable or refuse cookies, please note that some parts of the Websites may then be inaccessible or not function properly.
  • Promotional Offers from the Company. If you do not wish to have your information used by the Company to promote our own or third parties' products or services, you can opt-out by using the unsubscribe link or process set out in the electronic communication.
  • Withdrawal of Consent. With regard to any use of information by consent, you have the right to not share any such information with us, or you may withdraw your consent at any time, subject to reasonable notice and legal or contractual obligations.  To withdraw your consent, simply notify us in writing of the information that you no longer wish for us to maintain (subject to legal or contractual obligations) at the address listed below in the Contact Information section of this Policy.

We do not control third parties' collection or use of your information to serve interest-based advertising.  However, these third parties may provide you with ways to choose not to have your information collected or used in this way.  You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website.

 

Accessing and Correcting Your Information

You can review and change your any personal information you have entered through a subscription or account by logging into the account and updated the applicable information.

You may also contact us as the address listed below in the Contact Information section of this Policy to request access to, correct or delete any personal information that you have provided to us.  We may not be able to delete your personal information without deleting your user account.  We may not be able accommodate a request to change information if we believe the change would violate any law or legal requirement, cause the information to be incorrect, prevent fulfillment of an order, to prevent fraud or for is required for security reasons, or we cannot verify your identity.

Deleted information may still remain viewable in cached, backup, and archived pages, or might have been copied or stored by other Websites users.

 

Your State Privacy Rights

Some states provide you with additional rights regarding our use of your personal information.  The following describes state specific rights, which may or may not apply to Company and your use of the Websites.

California's "Shine the Light" law (Civil Code Section § 1798.83) permits California residents to request certain information, under certain circumstances, regarding our disclosure of personal information to third parties for their direct marketing purposes.  To make such a request, please contact the address listed below in the Contact Information section of this Policy, and Company will respond to the extent applicable. 

To learn more about your California privacy rights, visit https://oag.ca.gov/privacy/ccpa

Colorado, Virginia, and Utah each provide their state residents with rights to:

  • Confirm whether we process their personal information.
  • Access and delete certain personal information.
  • Data portability.
  • Opt-out of personal data processing for targeted advertising and sales.
  • Correct inaccuracies in their personal information, taking into account the information's nature processing purpose.
  • Opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects.

Nevada provides its residents with a limited right to opt-out of certain personal information sales.

To make a request under any of the foregoing, please contact the address listed below in the Contact Information section of this Policy, and Company will respond to the extent applicable.  By listing these provisions, we are not agreeing to comply with theses law, unless Company is separately obligated under the terms of these laws to so comply. 

 

Data Security

We have implemented reasonably technical, physical, and administrative measures to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure, however, the safety and security of your information also depends on you.  If you have an account on the Websites, it is your responsibility to secure your username and password.  We ask you not to share your password.

Additionally, the transmission of information via the internet is not completely secure.  Although we do our best to protect your personal information, no one can guarantee the security of your personal information transmitted to our Websites.  Any transmission of personal information is at your own risk.  We are not responsible for circumvention of any privacy settings or security measures contained on the Websites.

Some web browsers may transmit “do-not-track” signals to the websites with which you are communicating.  Because of differences in how web browsers incorporate and activate this feature, it is not always clear whether you intend for these signals to be transmitted, or whether you even are aware of them.  Because there currently is no industry standard concerning what, if anything, websites should do when they receive such signals, we currently do not take action in response to these signals.

 

Changes to Our Privacy Policy

It is our policy to post any changes we make to our Policy on this page.  In some circumstances, we may notify you of material changes by other means, such as a notice on the home page of the Websites, by email, or other methods.  The date the Policy was last revised is identified at the top of the page.  You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Websites and this Policy to check for any changes.

 

International Users

The Websites are directed towards users who reside in the United States.  By using the Websites, you affirm that you reside in the United States, and you consent to the collection, storage, processing, and transfer of your information in and to the United States, pursuant to the laws of the United States.  We do not knowingly collect, use, or disclose information of European Union residents.

 

Contact Information

To ask questions or comment about this Policy and our privacy practices, contact us at:

 

NCCO

899 Montreal Circle

St. Paul, MN 55102

privacymatters@ncco.com