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.
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.
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 firstname.lastname@example.org.
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.
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.
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.
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.
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.
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.
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.
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
Vantage Card Services
2230 Towne Lake Parkway
Building 400, Suite 110
Woodstock, GA 30189