- Information We Collect
- Our Use and Disclosure of Information
- Information Security
- Accessing and Changing Your Information
- Contacting Us
Notification of Changes
The PC Web site include links to third party Web sites. These sites are governed by their own privacy statements, and PC is not responsible for their operations, including but not limited to their information practices. Users submitting information to or through these third party Web sites should review the privacy statement of these sites before providing them with personally identifiable information.
2. Information We Collect
To open account at RUSMONACO.com, you must provide your real name and e-mail address. In order to make payments through PC, you must provide credit card, debit card details to our payment provider. We never store your financial information
If you choose to register or apply for certain optional features or products offered through the PC Web sites, you may be required to provide additional information to establish that you qualify for such features or products.
Information About You From Third Parties
In order to protect all our customers against potential fraud, we verify with third parties the information you provide. In the course of such verification, we receive personally identifiable information about you from such services. In particular, if you register a credit card or debit card with PC, we will use card authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PC, and that the card has not been reported as lost or stolen.
If you incur a debt to PC, we will generally conduct a credit check on you by obtaining additional information about you from a credit bureau, to the extent permitted by law.
Web Site Traffic Information
Because of the way that World Wide Web communication standards work, when you arrive at or leave the PC Web site, we automatically receive the Web address of the site that you came from or are going to. We also collect information on which pages of our Web site you visit while you are on the PC site, the type of browser you use and the times you access our Web site. We use this information only to try to understand our customers’ preferences better and to manage the load on our servers, so as to improve our service and your experience with PC. We do not track the Web sites that you visit before or after you leave the PC site, nor do we personalize the data.
Our Use of «Cookies»
Cookies are small files of data that we send to your computer to allow us to recognize you as an PC customer if you return to the PC site using the same computer and browser. We send a «session cookie» to your computer if and when you log in to your PC account by entering your username and password. These cookies allow us to recognize you if you visit multiple pages in our site during the same session, so that you don’t need to re-enter your password multiple times. Once you log-out these session cookies expire and no longer have any effect.
Customer Service Correspondence
If you send us correspondence, including e-mails and faxes, we retain such information in the records of your account. We will also retain customer service correspondence and other correspondence from PC to you. We retain these records in order to measure and improve our customer service, and to investigate potential fraud and violations of our User Agreement. We may, over time, delete these records if permitted by law.
Questionnaires, Surveys and Profile Data
From time to time, we offer optional questionnaires and surveys to our users for such purposes as collecting demographic information or assessing users’ interests and needs. The use of the information collected will be explained in detail in the survey itself. If we collect personally identifiable information from our users in these questionnaires and surveys, the users will be given notice of how the information will be used prior to their participation in the survey or questionnaire.
We offer optional electronic newsletters to users. We gather the email address and other information of users who voluntarily subscribe. Such information is used to send customized electronic newsletter to the subscribers. Users may remove themselves from this mailing list by following the link provided in every newsletter that points users to the subscription management page.
3. Our Use and Disclosure of Information
We use the information we collect about you in order to:
- to provide our services and process your transactions
- to provide customer service
- to determine your eligibility to receive offers for special features or products
- to improve our products and services.
We give access to individually identifiable information about our users only to those employees who require it to fulfill customer service requests.
Disclosure to Other PC Users
If you are a registered PC user, your name, date of sign-up, and various other «optional» details can be displayed to other PC customers. However, your credit card number, bank account and other financial information will NEVER be revealed to anyone.
Disclosure to Third Parties Other Than PC Customers
PC will not sell or rent any of your personally identifiable information to third parties. PC will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and to other PC customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.
We share information with companies that help us process the transactions you request and protect our customers’ transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card nubvers. See Information About You From Third Parties in Section 2 above. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.
We disclose the information we collect, as described in Section 2 above, to companies that perform marketing services on our behalf or to other institutions with whom we have joint marketing agreements. These companies are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PC-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.
We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other illegal activity, or to conduct investigations of violations of our User Agreement. Specifically, this means that if we conduct a fraud investigation and conclude that one side has engaged in deceptive practices, we can give that person or entity’s contact information (but not bank account or credit card information) to victims who request it.
We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.
When a user signs up for a co-branded version of PC through affiliate links on our co-branded partner’s website, PC will share with the co-branded partner that user’s name, e-mail address, and another account profile information in order to provide enhanced integration between PC’s services and the services of our co-branded partner. If a user does not want his or her information shared with PC’s co-branded partner, he or she should not use this site.
We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).
We share aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users live in California. However, this aggregated information is not tied to personally identifiable information.
Our Contacts with PC Customers
We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail address to confirm your opening of an PC account, to send you notice of payments that you send or recieve through PC (including referral payments described below), to send information about important changes to our products and services, other notifications, and to send notices and other disclosures required by law. Generally, users cannot opt out of these communications, but they will be primarily informational in nature rather than promotional.
We also use your e-mail address to send you other types of communications that you can control. You can choose whether to receive some, all or none of these communications when you complete the registration process, or at any time thereafter, by logging in to your account on the PC Web site and changing your preferences in your Profile. You can also change your choices at any time through the same procedure.
In connection with independent audits of our financial statements and operations, the auditors may seek to contact a sample of our customers to confirm that our records are accurate. However, these auditors cannot use personally identifiable information for any secondary purposes.
Internet Address Information
We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.
4. Information Security
PC is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on third party secure servers. We restrict access to your personally identifiable information to employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes.
The security of your PC account also relies on your protection of your PC password. We strongly urge that you never share your PC password with anyone. PC representatives will never ask you for your password, so any e-mail or other communication requesting your password should be treated as unauthorized and suspicious. If you do share your PC password with a third party for any reason, including because the third party has promised to provide you additional services such as account aggregation, the third party will have access to your account and your personal information, and you may be responsible for actions taken using your password. If you believe someone else has obtained access to your password, please change it immediately by logging in to your account at RUSMONACO.com website and changing your Profile settings, and also contact us right away as described in Section 5 below.
You are responsible for the accuracy and safe-keeping of all of your account information, including any user name, password, contact information, telephone access information and other personal and account-identifiable information. You will be responsible for any and all activities, whether authorized or not, which occur on your account. You agree to immediately notify PC of any unauthorized use or any known security breach.
5. Accessing and Changing Your Information
You can review the personal information you provided us and make any desired changes to such information, or to the settings for your PC account, at any time by logging in to your account on the PC Web site and changing your preferences in the Profile page.
You cannot close your account through the PC Web site without prior written request. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. However, if we close your account after receiving your request, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, or as required by law.
6. Contacting Us
If you have any questions about this privacy statement, PC’s information practices, or your dealings with PC, you can write us at email@example.com or fill in the contact form on our website.