Privacy Policy   

This Privacy Policy covers the websites owned and operated by Vantage Card Services, Inc. “Vantage”. 

Vantage works hard to earn and keep your trust and confidence. This Privacy Policy is posted at our web site to allow users easy and quick access to Vantage's policy regarding personal information. This notice explains how we collect and safeguard information about you and the choices you have about our use and disclosure of that information.

This website, and the corresponding Privacy Policy, is only intended for U.S. audiences over 18 years old. The Site is not directed at children under the age of 13 and Company does not knowingly allow anyone under the age of 13 to provide any personally-identifying information to Company. If you are under 13, please do not attempt to use the Site or provide any information about yourself.

Information Collection and Use

We obtain information about you from a variety of sources. You provide information about yourself, for example, by completing the Vantage Account sign-up form. This form asks for your first and last name, e-mail address, mailing address, day and evening telephone number, Social Security number, date of birth and the creation of your unique password. Information about you may also be obtained from credit-reporting agencies, Vantage Affiliates, other third-party commercial vendors to financial services firms, and/or your use of Vantage's services. We call this information, "Merchant Account Information." Merchant Account Information is used to identify you, prevent possible fraud, and in connection to delivering Vantage Account services to you.

Unique identifier information is used to qualify for, and set up, a Vantage Account. Refusal to fully complete the sign-up form by entering accurate information will result in Vantage not being able to provide services to you. Credit card and checking account information is required to use specific services of Vantage and is used only to process those transactions you have initiated. Also, personal information from third parties may be collected by Vantage on behalf of merchants from the third parties with whom the merchant engages in business as a result of their connection with Vantage.  This third party personal information may include, but is not limited to, contact information of the third party, such as name, address, and social security number, as well as credit card information.  In the event this information is requested of the third party and collected by Vantage, Vantage shall only use this information pursuant to the purposes delineated and contemplated by this Privacy Policy as further set forth herein.

We also automatically collect and use website usage information from you passively when you visit our website (“Usage Information”). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your mobile phone or computer whenever you visit or interact with our Services. Usage Information may be non identifying or may be associated with you. This Usage Information may include: your Device functionality (including browser, operating system, hardware, mobile or local network information); the areas within our Services that you visit and your activities there, including remembering you and your preferences; and certain other Device data, including the time of day, among other information. This information is used to track, analyze, and understand how our Website is being used, and provide you with relevant information or products.

Finally, from time-to-time we may request information from you via surveys. Participation in these surveys is completely voluntary and you therefore have a choice whether or not to disclose this information. Information requested may include contact information and demographic information. Survey information will be used for purposes of monitoring or improving the use and satisfaction of our service and/or this web site.

Disclosure of Information

We use Merchant Account Information in connection with delivering payment services to you. In order to conduct financial payment-related transactions and/or to effectively deliver payment services securely to you, while minimizing the risks of financial loss, it is often necessary to communicate such Merchant Account Information to or with financial institutions such as Visa®, MasterCard®, Discover® Card Services, American Express, banking institutions involved in supporting, clearing or settling payment-related transactions, our corporate Affiliates and/or other companies we work with.

In the event your Merchant Account becomes delinquent, you authorize Vantage to disclose and communicate all your Merchant Account Information to third parties for the purpose of collection of any delinquent amount. If you initiate a transaction that requires credit card and checking account information, Vantage uses that information only to process your payment request and will not use it for marketing purposes. Vantage may also disclose information as required by law to governmental regulatory agencies. For example, we may disclose Merchant Account Information in response to lawful subpoenas or similar legal process, to credit-reporting agencies, and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, to help prevent fraud or to respond to a government request. Any third party, including by way of example and not limitation, service providers or agents, or processors with whom Vantage shares your personal information shall only be permitted to use this personal information for the purposes set forth above and which are contemplated by this Privacy Policy.  The types of third parties with whom Vantage shares your personal information shall be limited to those delineated in the foregoing, and your personal information shall not be shared with third parties which fall outside the scope of this Privacy Policy. We do not sell your personal information to third parties.

Security

We take commercially reasonable physical, electronic, and procedural steps to help safeguard your Merchant Account Information. Our web site takes precautions to protect your information. When you submit sensitive information via the web site, we take reasonable commercial measures to protect your information both online and off-line.

When the registration form or a transaction form asks you to enter sensitive information (such as credit card number, checking account information, and/or your Social Security number), that information is electronically encrypted and is protected using secure socket layer technology (SSL). While on a secure page, such as the registration form or transaction forms, the lock icon on the bottom of web browsers such as Netscape Navigator and Microsoft Internet Explorer, becomes locked, as opposed to un-locked, or open, when you are just 'surfing'.

While we follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it, we also take additional reasonable commercial measures to protect your information offline. All your information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (such as Vantage's database administrators, security department employees, and customer service representatives) are granted access to personally identifiable information. The servers that store personally identifiable information are kept in a secure environment. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about the security at Vantage's web site, please contact us at support@vantagecard.com.

Cookies and other Tracking Technologies

Technologies such as: cookies, beacons, tags and scripts may be used by Vantage and our affiliates, or analytics and our service providers. These technologies collect Usage Information and are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

We use cookies to remember user settings and for user authentication. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

As is true of most web sites, we gather certain information automatically and store it in log files.  This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.

We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you, analytics, or site functionality.  Third parties provide certain features on our site, e.g., tracking visitors to our websites or displaying advertising based upon your Web browsing activity to collect and store information. 

Links

Vantage's web site may contain links to other web sites. Please be aware that we are not responsible for the privacy practices of such other web sites. We encourage you to be aware when you leave the Vantage web site and to read the privacy policy of each and every web site that collects personally identifiable information. This privacy policy applies solely to information collected by this web site.

E-mail Links

Vantage uses e-mail links located on the "contact us" page to allow you to contact us directly with any questions or comments. We try to reply promptly to each message we receive. This information is used to respond directly to your questions or comments. We may also file your comments to improve the web site and program or may review and discard the information.

Testimonials

We display personal testimonials of satisfied customers on our site in addition to other endorsements.  With your consent we may post your testimonial along with your name.  If you wish to update or delete your testimonial, you can contact us at marketing@Vantage.com.

Referral Program

When available, if you elect to use the Vantage referral service for informing a friend about Vantage, we will ask you for the friend's name and e-mail address. We will automatically send the friend a one-time e-mail inviting them to visit the web site and register for the service. We store this information for the sole purpose of sending this one-time e-mail.

Correspondence

Vantage sends all new members a welcoming e-mail. By registering with Vantage, you also agree to receive e-mail notifications and confirmations that are not optional (such as transaction details, changes made to your profile, etc.) when using our payment systems. Established members will receive information on special promotions and a newsletter, including product and service updates. Out of respect for your privacy, we present the option to not receive these types of communications. Please refer to the "Opting Out" section below.

We may occasionally present a special promotion. To qualify for entry, we may ask you to provide personal information. If we plan to share that information with any sponsor(s), we will inform you of that intent in the specific newsletter or promotion.

Opting Out

You are given the opportunity to 'opt-out' of receiving further information from Vantage about special promotions or product updates. The registration form has an 'opt-out' mechanism so you can choose whether you want marketing material or product updates. If you no longer wish to receive service updates or promotional materials from Vantage, you may opt-out of receiving these communications by editing your Vantage Account profile after you have logged into your account. Also, you have the option to opt-out from taking receipt of notifications and promotional information sent to you via email by Vantage.  You may elect to do so, and thereby unsubscribe from email correspondence, by simply following the unsubscribe instructions which will be provided in each email correspondence sent to you by Vantage or you can contact us at support@VantageCard.com.

Data Retention

We will retain your information for as long as your account is active or as needed to provide you services.  We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

For Vermont Account Holders Only

If your Vantage Merchant Account has a Vermont billing address, we will automatically treat your account as if you had opted out as set forth in this notice. We may share your name and contact information, and information about our transactions or experiences with you, with credit reporting agencies.

For California Residents Only

Tracking. As noted above, we may collect information about your online activity after you leave our Services using Tracking Technologies. Various third parties are developing or have developed signals or other mechanisms for the expression of consumer choice regarding the collection of information about an individual consumer’s online activities over time and across third-party web sites or online services (e.g., browser “Do Not Track” signals). Currently, we do not monitor or take any action with respect to these Do Not Track signals or other mechanisms, which means that we collect information about your online activity both while you are using the Services and after you leave our Services.

Privacy Rights. We may elect to share information about you with third parties for those third parties’ direct marketing purposes. California Civil Code § 1798.83 permits California residents who have supplied personal information (as defined in the law) to us to, under certain circumstances, request and obtain certain information regarding our disclosure, if any, of personal information to third parties for their direct marketing purposes. If this law applies to you, you may obtain relevant information for the immediately prior calendar year (e.g., requests made in 2017 will receive information about 2016 sharing activities). To make such a request, please provide sufficient information for us to determine if this applies to you, attest to the fact that you are a California resident and provide a current California address for our response.

How to Access and Update Your Personal Information

If your personal information changes, or if you no longer desire our service, you may correct, update, amend, delete/remove on our site or deactivate it by clicking the Edit My Profile link after you log on to your Vantage Account or by contacting us at Vantage Customer Service. We will respond to your request to access as required by applicable law.

Notification of Changes

If we decide to change our privacy policy to reflect the changes to our information practices, or if we make any material changes, we will notify you by means of a notice on this Site prior to the change becoming effective so you are always aware of what information is collected, how it is used, and under which circumstances, if any, information is disclosed. If at any time we decide to use personal information in a manner different from what is stated at the time it was collected, we will notify you. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact

Vantage Card Services

2230 Towne Lake Parkway

Building 400, Suite 110

Woodstock, GA 30189

Call 800-397-2380