We respect your right to personal privacy, online and off. Our Privacy Policy is designed to provide you with protection and value. And it’s written in "plain English." Here are the highlights:

We do not sell information about you or your Accounts.

When we share information, it is only according to the guidelines described in our Privacy Policy.

We do not share information with third party marketers unless you expressly authorize us to share the information.

We restrict access to the information we obtain about you to only those employees and service providers who need to know that information to provide you products or services.

We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard against misuse of the information we obtain.


Our Privacy Policy will evolve to meet the changing world in which we operate and we will promptly advise you of any change.

Your Privacy Options—Offers of Goods and Services

We provide a number of information-sharing options. When you subscribe our Services you can choose not to accept offers for (a) special opportunities from our selected partners and/or (b) special features and benefits related to your credit card account. You can also elect the method by which you will receive the offers: mail, email or telephone.

If you do not contact us to make an election or enter your preferences when subscribing for our services, we will not send you offers for products and services from us, our affiliates, and financial marketing partners, as well as offers of third-party goods and services by mail, email and telephone. (We will, of course, contact you regarding your Account and related items regardless of your election.)

If you would like to review or change your election you may do so, at any time, by writing an email to info@telecom64.com

Collection of Information

We collect customer information from a variety of sources:

1. Application Information (the information you provide us on your applications and other forms such as names, addresses, telephone numbers, birthday, identification code);
2. Transaction Information (your transactions with us and with our affiliates and partners, and your use of our products);
3. Credit reports (information from consumer reporting agencies);
4. Correspondence (the information you provide when communicating in writing, online, or by phone with our Customer Service Center, as well as our response and follow-up correspondence with third parties concerning, for example, resolution of disputed transactions);
5. Marketing partners and publicly available databases. (We receive information from our marketing partners, e.g., colleges, universities, charities, financial institutions, and other businesses and public databases, which are used to help us serve you.)

We use this information to evaluate your applications, establish and maintain your Account(s), carry out your transactions, provide you with high-quality service, prevent fraud, and, unless you instruct us otherwise, inform you of offers for our other products as well as products and services offered by third parties. We may also use this information to confirm your identity when you call us to inquire about your Account(s).

Cookies

"Cookies" are small computer files that are automatically placed on your computer’s hard drive when you are connected to a website or remote server so that the website can recognize you upon your return to the website and tailor your experience based on your earlier use of the site. "Action tags" (also known as Web Beacons, Trackers, or Bugs) are invisible pixel .gif files placed on web pages that are used to track web navigation to those pages.

We use a cookie for each computer that visits our site. The cookie is integral to the customer experience and is necessary to use our online services. It allows us to customize the website presentation based on your Accounts. While cookies, including ours, can be disabled, if you disable our cookie you will not be able to use our website.

Our cookie does not collect information from your hard drive; rather, it allows us to recognize you and know how you navigated through our site. It is also part of our effort to detect and stop fraud.

Cookies may be used by our partners who have links on our website. These cookies allow those vendors to recognize you and monitor your use of the site. For more information about their use of cookies see their privacy policies, links to which are available below.

We also may place web advertisements that link to our site from other websites. The companies that place or "serve" the advertisements use their own cookies, which are different from the cookie on the site on which the advertising appears. The cookies used by the companies that may serve ads for us do not track your name, address, email address, or phone number. The ad server’s cookie does recognize your computer and allows the ad server to determine automatically which ads to show you, based on your use of our site, other sites you have visited, and ads you have previously seen and/or responded to. The ad server also uses action tags to understand how a person navigated on our site after responding to one of our banner ads. This information is never linked to an individual and is only used in aggregate with other information generated by visitors to our site. You have the right to elect not to participate in this anonymous tracking of information, which is used to select which ads to display when you visit certain websites. In order to determine your comfort level with these companies' information practices you should review their privacy policies. Click on the advertiser name below to go to its website to learn more about that agency’s privacy policy, its use of cookies and action tags, and the options available to you in relation to those cookies.

At present, we do not allow third-party serving of advertising on our website. To the extent we do allow advertisements, we will post a link from our online Privacy Policy to the privacy policy of the company or partner that is referenced in each advertisement. We recommend that you review each company or partner’s privacy policy including their use of cookies to understand their information handling practices and your options.

We may disclose information about you to the following types of third parties: service companies (companies that provide us services in order to process transactions, provide statements, maintain our website and provide customer service, including customer contact); affiliates (companies owned by Telecom64); Agents (companies that sells Telecom64's Services and Goods); and credit bureaus, collection agencies, law enforcement regulators and professionals such as lawyers and accountants.
We also share information with collection agencies, lawyers, accountants, auditors, bank regulators, and law enforcement as may be necessary in the administration of your Account or to respond to a legal inquiry or subpoena.

Access to Account Information and Correction of Errors

You have the right to access your Account details and call details information. Up to sixteen months of statements are available on the customer service website. If you have a question or believe there is an error on your Account, write, log in to send us an email via our website, or call us as soon as possible so as not to lose any rights. When contacting us be sure to include your name and Account number along with a description of the error.

Questions

We are committed to customer service and privacy. If you have any questions, comments, or concerns regarding our Privacy Policy and its implementation, please do not hesitate to email us at info@telecom64.com.