The eSmart Privacy Statement, Updated: April 20, 2006.
Our customers' information is important to us, and we are committed to maintaining professional standards
of confidentiality. Our privacy policy below discusses the types of information we collect, how we use it, and under what
circumstances, if any, that we might disclose it.
Information Collection and Use
eSmart collects only the information needed to administer our business and to provide customers with
our products and services. We will not give, sell, share or rent this information to others, except as disclosed in this statement.
Customer Profile Information
A client may choose to provide the information requested during the ordering process that may be electronic
or paper. A customer will be asked to provide order information, which may include identifying, contact, and billing
details. This information is used only to complete the order processing.
OeSmart will not give, sell, share or rent this information to others. eSmart, may however, provide
necessary billing information to the financial institution processing the payment. Information
Data Access
All data access is based on a need-to-know basis. The secure protected area of our payment cart system is
only accessible to the financial institution, and not to eSmart employees.
Only employees who need information to perform a specific job (such as our customer service representatives)
are granted access to personally identifiable information. Every quarter, as well as any time new policies are added, our
employees are notified and/or reminded about the importance we place on privacy, and the steps they should take to protect
our customers' information.
Cookies
eSmart currently does not nor does it intend to use cookies on its Web site. However, customers
may need to allow cookies to access registered accounts.
Sharing
When we partner with another party to provide specific services, and a customer signs up for those services,
we share only the contact information that is necessary for the third party to provide such services. Third parties are not
authorized to use personally identifiable information except for the purpose of providing those services.
Links
Some of our Web sites may contain links to other sites. eSmart is not responsible for the privacy practices
of such other sites. We encourage our users to be aware when they are leaving our site and to read the privacy statements
of each Web site that collects personally identifiable information. This privacy statement applies solely to information collected
by eSmart through the eSmart Web site(s).
Supplementation of Information
eSmart is committed to using state-of-the-art technology, methodology, and services to protect customers,
consumers and eSmart itself from credit risks, fraud and operational compromise. In addition to collecting and archiving
application and transaction data from customers and consumers, eSmart also retrieves supplemental data from third parties
to facilitate credit and operational decisions and monitoring. These third parties may include national and regional consumer
and business credit bureaus, check verification services, address verification services and other third party transaction
processors. Once the information is retrieved from third parties, it is archived in a secure environment. This data may be
used to build proprietary databases or to develop statistically based credit, fraud or marketing models.
Notification of Changes
If we decide to change our privacy policy, we will post those changes on this page so our customers are
advised of what information we collect, how we use it, and under what circumstances, if any, we disclose it.
