Internet Privacy Policy

Last Updated: January 6, 2017

PrimaHealth Credit (“PHC”) is committed to protecting any personal information that you may provide to us. In particular, we believe it is important for you to know how we treat information about you that we may receive from this site. Please read this Internet Privacy Policy carefully before using this site. This Internet Privacy Policy currently is applicable only to PHC’s United States customers and visitors and only when they access and use this site, and may not be applicable to transactions performed and information collected in channels other than this site.

This site is not directed to or intended for individuals under 18 years of age. We do not knowingly solicit or collect personal information from or about children under 18 years of age and we do not knowingly market our products or services to children under 18 years of age.

This Internet Privacy Policy describes the types of information PHC collects from visitors to this site, what we do with this information and how visitors can update and control the use of information they provide on the site. This statement applies solely to information that visitors provide through our site. This Internet Privacy Policy does not apply to other data we collect, including data collected on other sites, such as separate sites operated by our Affiliates or business partners or information visitors may provide to us through other means.

There are portions of this site where we may need to collect personally identifiable information about you (such as your address, phone number and other information) for identification purposes or to fulfill your online requests. We may obtain information about you directly from you, through your use of our products and services and from third parties (such as credit bureaus and demographic firms). Any use by us of your personal information will be pursuant to the privacy policy provided to you in connection with your account with us.

In addition, when you visit our site, our web servers collect information about your Internet connection, such as your Internet service provider and Internet address and your web browser type and platform, as well as which pages on our site you visited and when they were visited, the link that brought you to our site, and any links clicked within our site. This information may be used by us, our service providers, affiliates and business partners to measure the number of visits, average time spent, page views and other statistics about visitors to our site. We also use this data to monitor site performance and make the site easier and more convenient to use.

Our web servers also seek (as many sites do) to place a “cookie” (a small file) on your computer’s hard drive. Our site’s cookies facilitate certain features of our site and allow the server to determine the computer when it visits again; our site’s cookies do not contain any of your personal information. If you prefer not to accept cookies, you can configure your browser not to accept them, however, that may disable certain features of our site.

We may use third parties to place our advertisements on other sites. These third parties may use cookies alone or in conjunction with other tracking technologies to collect information about you when you use our site. 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 sites and other online services. They may use this information to provide you with interest-based 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.

When you connect to us using a mobile application, we may use cookies and other methods to customize your browsing experience. If you use any location-enabled devices, you may be sending us location information. PHC does not store or use this information other than to provide the service you requested. For example, a mobile product may use GPS data to find a nearby retail location. You can disable location features on your mobile device by changing your device’s settings. Some mobile applications will utilize analytic tools to help us better serve our customers through improved products, services, and revisions to the mobile applications. This collected information does not include personally identifiable information and will not identify you to PHC. It may, however let us know anonymously, which services and features you are using the most within the application, as well as device type and hardware features, country and language of download.

We may use information you provide us through this site to respond to your questions and requests; provide customer support or to provide specified services to you. Additionally, we may use the information you provide to contact you about updates to our service. We have account specific privacy policies that we provide in connection with active accounts annually. Any personal information we collect on this site may be shared pursuant to the account specific privacy policy that governs your PHC account which may include service providers, financial institutions with whom we jointly offer financial products, our affiliates, third parties who are interested in offering special products or services to you or as permitted or required by law (such as credit bureau agencies, businesses we buy or sell assets from or to, and law enforcement or government agencies).

At PHC, our goal is to protect your personal information submitted to us through this site. We maintain reasonable physical, electronic and procedural safeguards that comply with federal standards to guard nonpublic personal information about you against loss, misuse or unauthorized access, disclosure, alteration or destruction. We limit access to personal and account information to those employees and agents who assist us in providing products and services to you. Employees who misuse customer information are subject to disciplinary action. We also require third parties to whom we disclose nonpublic personal information to adhere to this Internet Privacy Policy and to establish information security procedures.

Please note that information you send to us electronically is not necessarily secure when it is transmitted to us. We suggest that you do not use unsecured electronic methods to communicate with us if your communication is very sensitive or includes highly confidential information such as a social security number (“SSN”) or a credit card number. PHC strives to protect the confidentiality and security of SSNs in our possession, custody or control by employing reasonable safeguards seeking to: (i) restrict employee access to and use of SSNs; (ii) prevent unauthorized third party access to the SSNs; and (iii) prohibit unlawful disclosure of SSNs.

If you do business with us, we provide you access to information about your PHC Account(s) by sending you monthly periodic statements outlining your transactions, and other PHC Account information, and by providing customer service representatives to answer your questions.
This Internet Privacy Policy only applies to the use and disclosure of information we collect from visitors online through this site. Our site may contain links to other sites and sites belonging to our business partners (who are not affiliated with us). While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content, security, or privacy practices employed by other sites. Information you disclose to other parties or through such sites is subject to the privacy practices and policies of those parties or sites.

This site is based in the United States and is controlled, operated and administered by PHC from its offices within the United States. This site and this Internet Privacy Policy are provided in accordance with and subject to applicable United States law. If you decide to continue to access this site from your location outside the United States, you hereby agree that your use of this site is subject to this Internet Privacy Policy.

We reserve the right to modify this Internet Privacy Policy at any time. If we make any material change to this Internet Privacy Policy, we will update our site to include such changes. We recommend that you review this Internet Privacy Policy regularly for changes.