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Effective September 7, 2011

This Web site is managed by CashEdge Inc., in connection with the Popmoney service provided by participating financial institutions. Your privacy and security are of the utmost importance to CashEdge, and we are committed to safeguarding any information that we obtain about you in connection with the service. In order for you to use the Popmoney service, you will need to provide certain personal information about yourself and your bank account at this Web site. That information will only be used in connection with the service, or as otherwise permitted by applicable law for everyday business purposes.

Federal law requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

CashEdge, Inc. has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions. If you have questions or complaints regarding our privacy policy or practices, please contact us at Privacy Questions, CashEdge Inc., 1213 Innsbruck Drive, Sunnyvale, CA 94089-1317, or contact us at privacy@popmoney.com. If you are not satisfied with our response you can contact TRUSTe here.

The Personal Information CashEdge Receives

You can visit this site and read about the Popmoney service without having to volunteer any information about yourself. If you decide to participate in the service, you may be asked to provide personal information, which may be used to verify your identity as the authorized recipient or sender of funds, to direct payments to and from your account, and for fraud prevention purposes. Personal information may include: name, social security number, driver's license number, birth date, information about your accounts, address, mobile number, email address, and other personally identifiable information (collectively "personal information"). Other information that may be gathered may include: the User ID, password, and security questions and answers that you create. We also may collect information, such as IP address or browser type, on your computer or other access device for fraud prevention purposes.

This information may be verified with third parties, such as credit reporting agencies, financial institutions, reference sources and clearinghouse services.

The Use and Disclosure of Your Information

Your personal information will be used to process Popmoney transfers made by participating financial institutions. It also may be used to communicate with you regarding changes to the Popmoney service, the terms of this Web site, and this Policy. It will not be sold or provided to others for marketing purposes.
The information described in the preceding section may be disclosed: to participating financial institutions in order for them to effect, administer or enforce your Popmoney transaction; to companies that help us maintain this Web site or process your information, provided they agree to abide by this Policy; and as permitted by applicable law for everyday business purposes (for example, to prevent fraud or respond to legal process, such as a subpoena).
We treat information involving the former users of this Web site and the Popmoney service the same way we treat information about the current users of the service.

Making changes to your personal information

It is important that your personal and account information remain accurate and up-to-date. You can access, review and update your information at any time by visiting the Popmoney Web site and clicking on "Preferences". If you have any problems updating your profile, contact privacy@popmoney.com.

Discontinuance of Service

You can discontinue your use of the Popmoney service by calling 1-877-675-6378.
Your access to this Web site and the Popmoney service may be suspended or terminated with or without cause at any time. This may happen, for example, if your identity cannot be confirmed or the action is necessary to protect the security of this site or the service. Please note that the site may not be available at all hours due to maintenance and other reasons.

CashEdge Security Measures

We limit access to nonpublic personal information about you to employees who have a business reason for knowing that information. We also maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard the nonpublic personal information we maintain regarding you. Among other things, we encrypt the information you submit to us. Your Popmoney password also is one-way encrypted (this type of encryption prevents even us from deciphering your password). For information on the specifics of our security architecture, please click on the "Security" link on the upper right corner.
CashEdge use cookies which are linked to your personally identifiable information, such as your email address. This makes it easier for you to access your information and allows us to track your activity. A “cookie” is a piece of data that is stored on your hard drive. It takes up very little room on your system. You may refuse the use of cookies by selecting the appropriate settings on your browser. Please note, however, that if you do this, you may not be able to use the full functionality of this Web site.

Your Security

It is important that you maintain the security and confidentiality of your password. Never record it on or near your computer, and never share it with anyone. Our employees and participating banks will never ask you for it. You should change your password periodically by clicking on "Preferences."
After you have finished accessing your information at this site, please remember to log off. This will help prevent someone else from accessing your information. To preserve your privacy, you will be logged off automatically when you have been inactive for a period of time. For security reasons, you may be denied access to your information after 3 unsuccessful log-in attempts.
If you have any reason to believe the security of your personal information, password or security questions/answers may have been breached, contact us by calling 1-877-675-6378.

Links to Third Party Sites

This Web site may contain links to other Web sites. Those links are provided solely as a convenience to you. We do not endorse any products or services offered on other sites, and we assume no responsibility for the privacy practices or the content of such sites. We will not be responsible for any personal or financial information that you provide to parties at linked sites. Other sites may be subject to a different privacy policy and may collect and use information about you in a way that is different from this Policy.

Changes to This Policy

We may add to, delete, or change the terms of this Privacy Policy from time to time by posting a notice of the change (or an amended Privacy Policy) at this Web site. If required by law, we will send you a notice of the change. Your continued use of this Web site or the Popmoney service following notification will constitute your agreement to the revised Policy.

(Last updated November 28^th, 2011) Popmoney Request Money Service is provided by CheckFreePay Corporation and CheckFreePay Corporation of New York, each a wholly owned subsidiary of Fiserv, Inc.

Introduction. CheckFreePay Corporation and CheckFreePay Corporation of New York ("CheckFreePay" or "We") (each of which are wholly owned subsidiaries of Fiserv, Inc.), know that privacy is important to you. It is also vital to our business. This Privacy Policy describes the types of "Personal Information" (information that is identifiable to a particular person) that we (directly or through our service providers) collect in connection with the Popmoney Request Money Service offered at the Popmoney.com website (the “Site”), and provides you with information about how we use, share and protect that Personal Information. Federal law requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
Eligibility. The Popmoney Request Money Service is offered only to individual residents of the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, the Popmoney Request Money Service is not offered to minors. Other restrictions and eligibility requirements apply as described in the Popmoney Request Money Service Terms of Use or other disclosures on the Site. We do not knowingly collect any Personal Information from or about individuals under 18 years of age. Please do not submit such information to us, and as a parent or legal guardian, please do not allow your children to submit personal information without your permission. By using the Site and/or the Popmoney Request Money Service, you represent that you meet these requirements and that you agree to the terms of this Privacy Policy.
Scope. CheckFreePay offers other products and services, some of which are available through other organizations such as banks, credit unions, brokerage firms, and Internet portals. This Privacy Policy applies only to the Popmoney Request Money Service offered at the Site. CheckFreePay products and services offered through other websites or organizations may be governed by different terms. For more details on what your rights and obligations are when using the Popmoney Request Money Service offered on this Site, please also refer to the Popmoney Request Money Terms of Use and other notices and disclosures you may be provided regarding the Popmoney Request Money Service.
Cookies, Browser Information and Related Issues.
1. When you visit the Site, we receive certain standard information that your browser sends to every website you visit, such as the originating IP address, browser type and language, access times and referring website addresses, and other such information. This data may be used, among other uses, to improve the operation of the Site and to improve Site security by assisting in "authenticating" who you are when you access the Site, particularly if you register for a Popmoney Request Money Service and are issued or create a username and password.
2. We may also receive additional information about your visit to the Site, including the pages you view, the links you click and other actions you take in connection with the Site and the products and services offered through it. This data may be used, among other uses, to improve the operation of the Site and Popmoney Request Money Service.
3. Like most websites, the Site also uses "cookies," which are small text files placed on your computer by the web server when you visit the Site. Most such cookies are "session" cookies that are only used for a specific period during which you are on the Site, but a few are "persistent" cookies that stay on your hard drive and are read by the web server when you return to the Site. The Site uses cookies to store your preferences and other information on your computer in order to save you time by eliminating the need to repeatedly enter the same information and to display your personalized content on your later visits to the Site. Cookies cannot and will not be used to deliver or run programs on your computer. Most web browsers automatically accept cookies, but you can modify your browser setting to decline cookies if you prefer. However, if you choose to decline cookies, you may not be able to sign in or use other interactive features of the Site that depend on cookies.
What Types of Personal Information We May Collect. In addition to the types of information described in section 4 above, we may also collect Personal Information about you. This information may include:
1. Social Security number, date of birth, name, postal address, email address, telephone number, and other information that we can use to contact you, verify your identity, and manage risks, such as information maintained about you by identity verification services and consumer reporting agencies, including credit bureaus;
2. bank account information (including account numbers) for accounts that you designate for funding or receiving payments, fees, debits and credits for the Popmoney Request Money Service;
3. username, password, secret questions and secret answers for resetting passwords, and other authentication credentialing used to verify that only authorized users access the Popmoney Request Money Service;
4. payment and other transaction information; and
5. any Personal Information that you may enter in response to surveys or into information blocks on the Site such as "personal message blocks".
How We May Collect Personal Information About You. We may collect Personal Information about you from the following sources:
1. Enrollment applications, survey responses, and other electronic or paper forms that you fill out in connection with the Popmoney Request Money Service;
2. Your use of the Site and the Popmoney Request Money Service offered through it (such as when you send a payment), and your interactions with customer care, including information you enter or speak, and information transmitted by your computer, cell phones and other devices you use to connect to the Site or the Popmoney Request Money Service; and
3. We also collect Personal Information about you from others, such as individuals and financial institutions using the Popmoney Request Money Service, credit bureaus, Affiliates or other companies (such as identity verification services and consumer reporting agencies).
How We May Share Personal Information About You. We share Personal Information about you only as permitted by law. For Personal Information that is nonpublic and that we collect in connection with a financial service, U.S. federal law permits us to share the information only:
1. for our everyday business purposes - such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, and report to credit bureaus;
2. for our marketing purposes - to offer our products and services to you;
3. for Joint Marketing with other financial companies;
4. for our Affiliates' everyday business purposes (information about your transactions and experiences);
5. for our Affiliates' everyday business purposes (information about your creditworthiness);
6. for our Affiliates to market to you; and
7. for Non-affiliates to market to you.
Before we can lawfully share such Personal Information as described in (e), (f) or (g), we would be required to offer you an opportunity to opt out, and we will do so if we ever intend to do that. For California residents, and for residents of any other state in which it is required, we will obtain your consent prior to sharing Personal Information as described in (g) unless otherwise required or permitted by law. We may lawfully share such Personal Information as described in (a), (b), (c) and (d) without offering an opt-out, and we may do so. For example, to process your payments (an "everyday business purpose" for the Popmoney Request Money Service), we need to share Personal Information about you with the person that you are paying or that is paying you, such as, but not limited to your name, the payment amount, and the email address or mobile phone number from which you initiated the payment, but we will do so responsibly and will not share the payment sender's financial account information with the payment receiver or vice versa.
How We May Use Personal Information About You. We use Personal Information about you only as permitted by law, including but not limited to the following purposes:
1. To complete transactions and render services authorized by you;
2. Other everyday business purposes of ourselves and our Affiliates, such as to maintain your ability to access the Popmoney Request Money Service, to authenticate you when you log in, to send you information about the Popmoney Request Money Service, to perform fraud screening, to verify your identity, to determine your credit limits, to perform collections, to comply with laws, regulations, court orders and lawful instructions from government agencies, to protect the personal safety of subscribers or the public, to defend claims, to resolve disputes, to troubleshoot problems, to enforce our Terms of Use, to protect our rights and property, and to customize, measure, and improve the Request Money Service and the content and layout of the Site; and
3. For marketing purposes - to offer products and services to you.
Definitions.
1. Affiliates: Companies related by common ownership or control. They can be financial or nonfinancial companies.
2. Non-affiliates: Companies not related by common ownership or control. They can be financial or nonfinancial companies.
3. Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Access to Information About You. You may review and update the Personal Information maintained about you in the "My Profile" section of the Site at any time to ensure that it is accurate and up-to-date.
How We Protect Personal Information About You. To protect Personal Information about you from unauthorized access and use, we maintain physical, electronic, and procedural safeguards, including but not limited to security measures that comply with applicable federal and state laws. We also require our service providers and business partners to do the same. We also require our service providers and business partners to whom we disclose the information to do the same.
Amendments. CheckFreePay may amend this Privacy Policy at any time by posting a revised version on the Site. The revised version will be effective immediately at the time it is posted, unless a delayed effective date is expressly stated therein. You may (in our discretion) also be provided with an email notification of such amendments. You may (in our discretion) be required to affirmatively acknowledge or accept the revised Privacy Policy in order to continue using the Popmoney Request Money Service. Any use of the Popmoney Request Money Service after a notice of change (whether by Site posting, email, or express acknowledgment or acceptance) will constitute your express agreement to such changes.
Protection for Former Customers. When you are no longer our customer, we continue to protect, use, and share Personal Information about you as described in this notice and as required by law.
Keeping Up to Date with Our Privacy Policy. CheckFreePay may amend this Privacy Policy at any time by posting a revised version on the Site, which will be effective immediately at the time it is posted unless a delayed effective date is expressly stated therein.
Contacting Us. If you have any questions about this Privacy Policy, you may contact us at the postal address or email address below:
CheckFreePay Corporation
ATTN: Privacy Management
4411 East Jones Bridge Road
Norcross, Georgia 30092
E-mail: privacy@customercenter.net
Telephone number: 1-877-898-5343