You take online privacy seriously, and so does Total Merchant Resources, LLC (“TMR”).
Our Online Privacy Notice (the “Notice”) describes the information we collect from and about you during our application process whether via online, our website, email, phone, facsimile or any other customary and reasonable methods. It also describes how we use information about you, with whom we share it and how we protect it. This Notice applies only to those TMR interfaces that link directly to this Notice.
It’s important to know that our websites may contain links to third party sites not controlled by TMR or covered by this Notice. We recommend that you check the privacy statements of other sites you visit before providing any personal information.
Once you become a client of TMR, and once a year while you remain a client of TMR, we will provide you with a TMR Consumer Privacy Notice that describes our privacy practices and provides you choices in the sharing of your information, as required by law.
Personal Information We Collect
We collect Personally Identifiable Information (“PII”) about you from the information you provide to us when you apply for services with TMR. This information may include, but is not limited to:
• Social Security number in whole or in part
• Phone numbers (including mobile)
• Account number
• Account number at a bank or other financial institution, type of bank account and the name of bank or other financial institution
• Email address
• Email referral information
• Date of birth
• Current residential information including mortgage or rent payments
• Employment / Business information
• Income information
• Internet Protocol (IP) Address and/or domain
• Geo-location of your computer or mobile device
• Mobile carrier and/or Internet Service Provider
We use personal information collected online for various functions, which may include:
• processing your request for services, products or information
• improving our customer service and products
• servicing your account
For example, we may use the information you provide when you complete an online application for a product or service in order to process and evaluate your application. If you request product information, we may use the information you provide to mail, email or fax you information you request.
We may also use the information you provide to contact you regarding your account and to process or collect payments. In addition, we may collect and use information for analytic purposes, market research or for marketing purposes, as allowed by law.
How Personal Information Is Shared
We may share the personal information we collect about you with third parties, such as companies performing services on our behalf to provide the products or services you have requested.
As permitted by law, we may also share information collected about you with companies with whom we have formal agreements to offer you financial products and services.
We may share information about you with our affiliates (other companies in the TMR family) and with nonaffiliates for analysis, market research and marketing purposes as allowed by law.
Finally, we may disclose your personal information as otherwise permitted or required by law.
Information collected via Cookies
We use a variety of technologies, including cookies, to collect information about your online/mobile activity when you visit our website. Cookies are small text files that a website server stores on your computer or device.
You can disable cookies by making the appropriate selection from your browser options to inform you when cookies are set or to prevent cookies from being set. However, if you choose to disable or delete cookies, you may limit the functionality we can provide when you visit our site.
“Do Not Track” Signals
We do not respond to Web browser “Do Not Track” signals at this time. To prevent TMR or third parties from tracking, you can access your browser settings and disable or delete your cookies.
Changing or Updating Your Personal Information
If you have questions about personal information you provided on an TMR website, select the “Contact Us” link – usually found in the navigation menu – or log call your TMR representative to edit your personal information.
Security Of Your Personal Information
We restrict access to the personal information obtained from our website to only those employees, agents and contractors who need it to do their jobs. We maintain administrative, technical, and physical safeguards designed to protect your personal information.
Additionally, companies that provide online services on our behalf are required by contract to protect customer information. They are only allowed to use the information they collect for the purpose of providing the services that we have contracted to them.
Personal Information About Minors
We do not knowingly collect or maintain personal information about people under the age of 18 unless the personal information is provided by a parent, legal guardian or authorized adult. Our websites are not intended for people under 18. Visit the Federal Trade Commission website for more information on the Children’s Online Privacy Protection Act (COPPA).
Public Forums Available On Our Sites And Social Media
Public forums are available on our Sites, and they may include text, photographs and videos that are accessible to the general public. Unless we tell you otherwise, any information you disclose in these areas may become public information.
You should use caution when deciding to disclose personal information in these areas.
Changes to this Notice
This Notice is effective January 2, 2018. We reserve the right to alter this Notice at our discretion. Any change to this Notice will be posted on our Sites in a timely manner.
Social Security Number Privacy Protection Policy
TMR collects Social Security numbers as necessary to support state and federal legal requirements, to provide products or services to you and to meet needs within our Human Resources unit. To support these requirements, we restrict the access to Social Security numbers only to employees, agents, service providers, and government entities that require access to Social Security numbers to meet these purposes. We strive to protect Social Security numbers from unlawful disclosure and keep them confidential by maintaining administrative, technical, and physical safeguards that comply with applicable state and federal regulations.