Privacy - Financial Institutions

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Privacy at Deluxe Financial Services

Deluxe Financial Services Web sites are directed or intended for U.S. residents only. This Privacy Policy is effective July 3, 2008 and applies to all customer-identifiable information Deluxe Financial Services obtains when a customer visits this Web site. Deluxe For Business, a separate business segment, follows the Privacy Policy provided on its Web sites and Direct Checks follows the Privacy Policy for its direct-to-consumer marketing brands.

Protecting privacy is not new to Deluxe Financial Services. It has a long history of recognizing and protecting the privacy of customers. Deluxe Financial Services is committed to protecting your privacy and utilizing technology that gives you the safest and most powerful online experience available. Deluxe Financial Services wants to assure you that when it asks for customer information, its goal is to improve customer relationships.

The following statements will help you understand how Deluxe Financial Services collects, uses, and safeguards the information you provide through this Web site.

Information Collection & Use

Deluxe Financial Services is committed to protecting your private information. It uses the information collected about you to process orders and to provide a more personalized shopping experience. Names and other consumer information that are received by Deluxe Financial Services through a financial institution or via this Web site are not shared with or rented to nonaffiliated third parties except for the purpose of fulfilling its contracts with financial institutions or as otherwise permitted by law.

At times, Deluxe Financial Services may request that you voluntarily supply personal information for purposes such as receiving correspondence, registering on a Web site, making purchases, participating in online surveys or market research, or receiving notice of employment opportunities. If you elect to participate, Deluxe Financial Services may require personally identifiable information, including your name, mailing address, phone number, financial institution information, credit card information, or e-mail address. When you submit personal information to Deluxe Financial Services, you understand and agree that Deluxe Financial Services and its affiliates may access, store, and use your information as allowed by contract.

Information you provide will be safeguarded according to strict standards of security and confidentiality. Deluxe Financial Services takes steps to require that its vendors, consultants, suppliers, and contractors observe its Privacy Policy with respect to security and the collection, use, and exchange of its customers' information. They are expected to abide by the Privacy Policy when conducting work for Deluxe Financial Services. Because Deluxe Financial Services recognizes and appreciates the importance of responsible use of the information you choose to provide, it does not share e-mail addresses with third parties.

Information Disclosure

Reasons we can share your information	Does Deluxe Financial Services Share?	Can you limit this sharing?
For our every day business purposes - including billing, processing transactions, & fulfilling orders within Deluxe & its affiliates	Yes	No
For our marketing purposes -to offer products and services to use in relationship with your checking account	Yes	No
For non-affiliates or third parties to market to you	No	Not Required

Deluxe Financial Services will not provide confidential information to non-affiliated third parties for marketing purposes, except as authorized by the financial institution or otherwise permitted by law. Because Deluxe Financial Services does not sell or share customer information with marketers outside the company, you do not need to do anything to prevent your personal information from being shared with them, so no opt out is required.

Online Privacy & Security

When you browse this Web site, you do so without revealing your identity. Personal information is not collected without your awareness. For each visitor to this Web site, the servers recognize the Web site you came from and the Web site you visit after you leave. In the order-capture process, Deluxe Financial Services may track the order preferences of visitors to this Web site. Information tracked and retained by Deluxe Financial Services is generic and not individually identifiable. It tracks order-preference information by using cookies.

Security & Cookies

Security measures are in place on this Web site to protect against the loss, misuse, and alteration of the information under our control. It offers industry-standard security measures available through your Web browser. When you are on this Web site, the information you provide is encrypted and scrambled en route and decoded once it reaches Deluxe Financial Services. Please remember that e-mail, which is different from the encrypted sessions above, is not secure. Therefore, do not send confidential information such as social security or account numbers via an unsecured e-mail message. Send confidential information to Deluxe Financial Services via U.S. mail or phone.

Cookies are small pieces of information that are stored by your Web browser on your computer's hard drive. A cookie may contain information (such as a unique user session ID) that is used to track the pages of the Web sites you've visited. This Web site uses cookies, but Deluxe Financial Services does not store personally identifiable information in your cookies. This Web site uses cookies to improve your shopping experience. The information stored in cookies helps to serve you better by keeping track of your order as you shop at this site. This information also helps improve the site design.

Most Web browsers automatically accept cookies, but you can set your browser to decline cookies. Even if your Web browser is set to decline cookies, you can use many of the features within this site. However, you will not be able to place an order or retrieve your order status.

Children Visiting our Web Sites

This Web site is directed at adult consumers and guests. Deluxe Financial Services does not knowingly collect or use information from children. Should children access this Web site, Deluxe Financial Services is confident that parents will not judge any of the information provided as objectionable for viewing. If you are under 18, you may use this Web site only with the involvement of a parent or guardian.

Our Commitment to the Gramm-Leach-Bliley Act

Deluxe Financial Services continues to work with its clients and customers to make sure that consumer data is used appropriately and within the scope of applicable laws. Information is made available for fraud prevention and detection purposes and for authorized criminal or government investigations. This information is made available in order to protect consumers and financial services companies; these disclosures are permitted by law.

Deluxe Financial Services expresses its commitment to appropriate data use in its check-printing agreements with its financial institution customers. The Deluxe Financial Services standard agreement states:

Deluxe Financial Services agrees it will not provide to non-affiliated third parties for marketing purposes confidential information delivered to it under this agreement except as authorized by the Financial Institution. This agreement does not apply to disclosures of non-public personal information as defined by the Gramm-Leach-Bliley Act:

As necessary to effect, administer, or enforce a transaction requested or authorized by a consumer or to service or process a financial product or service requested or authorized by a consumer;
With the consent or at the direction of the consumer;
To assist in protecting against or preventing actual or potential fraud or unauthorized transactions;
a) To a consumer reporting agency in accordance with the Fair Credit Reporting Act; or
b) From a consumer report reported by a consumer reporting agency;
To comply with Federal, State or local laws, rules and other applicable legal requirements; to comply with a properly authorized civil, criminal or regulatory investigation, or subpoena or summons by Federal, State or local authorities; or to respond to judicial process or government regulatory authority having jurisdiction over a Financial Institution for examination, compliance or other purposes as authorized by law.

Understanding Terms, Changes and How to Contact Us

By using this Web site, you consent to the Privacy Policy posted at this Web site. If you do not agree with this policy, please do not use this Web site. Deluxe Financial Services reserves the right, at its discretion, to change, modify, add, or remove portions of this policy at any time. Your continued use of this Web site following the posting of changes to these terms means that you accept these changes.

Privacy Policy Changes

We may change our privacy policy at any time. Any changes to the privacy and security policy will be posted on this Web site so that you are aware of the information we collect, how we use it, as well as the latest updates on how we maintain the secure portions of our Web site.

Periodically, the operations and business practices of Deluxe Financial Services are reviewed for compliance with corporate policies and procedures governing the confidentiality of information. These reviews are conducted by internal staff, internal auditors who report directly to the Deluxe Board of Directors, external auditing and accounting firms, and government regulators. Included in these self-assessments and examinations are reviews of the controls and safeguards related to consumer privacy described in its Privacy Policy.

We also participate in the Council of Better Business Bureau's BBBOnLine Privacy Program, and comply with all BBBOnLine Privacy standards. Further information about this program and its dispute resolution program is available at www.bbbonline.org.

Correct/Update/Access—Contacting Deluxe Financial Services, Inc.

Deluxe Financial Services is committed to ensuring that the information it obtains and uses about consumers is accurate. The Deluxe Financial Services service representatives are trained to answer consumer questions about the information it maintains. Please use the contact information below to ask questions or review, update or correct the personally identifiable information that was collected online from you. If you have questions regarding this Privacy Policy, the practices of this Web site or your dealings with this Web site, Deluxe Financial Services provides the following convenient ways to contact us:

Address:

Deluxe Financial Services, Inc.
Attn: Privacy Program Office
3680 Victoria Street N.
Shoreview, MN 55126

If more information is needed, help is available through the Deluxe Privacy Program Office at privacyprogramoffice@deluxe.com.