Privacy Statement

At American EFT Inc, we recognize and value your privacy and are committed to protecting the confidentiality of both your company, your clients and your personal information.

You can browse our site without identifying yourself or revealing any information about you, your clients or your company. If you choose to apply for a processing account with American EFT or purchase Electronic Funds Transfer software through our site, the information you provide will be used to screen and evaluate your application, provide you with updates, finalize the delivery of the software, and offer you exemplary service. We do not collect any personal data without your consent. Initiating the application process constitutes consent for us to use the information as described in this policy.

We may use aggregate information about our users for statistical, marketing and other purposes. This information does not reveal the identity of, or any information about, particular users or companies.

This policy is about information that relates to particular people or companies.

Securing Information to Provide Electronic Funds Transfer software

If you choose to apply for Electronic Funds Transfer software or a processing account through American EFT's website, you will be asked for basic information about yourself and your company. We then compare that information, plus credit bureau information about you, against our various financing criteria. The decision to provide personal information is entirely yours to make.

We also provide Email updates to you regarding new products and other financial solutions for your business. However, you can opt out of this service at any time. For more information, see the Collection and Use of Customer Information section of this policy.

The American EFT's Privacy Principles

We strongly advocate the protection of our customers' privacy and are committed to ensuring that your personal and company information is safeguarded. We have adopted the following privacy principles in the belief that they effectively capture our commitment to you.

   • We recognize and respect our customers' expectation of privacy.
   • We collect and use only the information needed for legitimate business purposes.
   • We employ security measures that guard access to and disclosure of information.
   • We will not disclose personally identifiable information to third parties unless there is an       appropriate legal or business justification.
   • If we contract with a company to perform specific services that require us to provide them      access to customer information, we require that company to maintain the confidentiality of      customer information.
   • We will continuously assess our business practices to ensure that customer privacy is       respected.

As part of our commitment to protecting your privacy, we are always working to ensure that our procedures and systems are relevant and supply the appropriate safeguards - and we will regularly conduct audits of our systems and Privacy Policies to ensure compliance.

Information Practices

1. Recognition of Customer's Expectation of Privacy

   We recognize and respect the privacy expectations of our customers - and are committed to    taking the steps necessary to safeguard the information entrusted to us. Procedures are in    place that are designed to prevent misuse of private information.

2. Collection and Use of Customer Information

   We collect, retain, and use information about you only where we reasonably believe that it will    help to complete the application process, to provide individually tailored services, and to    provide other opportunities to you. We use information to administer business transactions, to    provide you with status updates, to comply with laws and regulations, to help us design or    improve our services, and to understand your needs so that we can provide you with superior    service.

   We do not collect any personal data without your consent, and we only share the personally    identifiable financial information you provide us with our ACH processor. Information collection    starts at the point of the application process. By initiating the application process, you    consent to our collection and use of this information.

   After your application is processed, we will periodically send you e-mail updates about finalizing    the ACH for the PC © software licensing, normal business correspondence and new product    and service updates. We may also request your participation in a customer satisfaction survey.    Our customers generally find this very helpful. You can choose not to receive additional Email's    by choosing to opt-out, using the question posed at the beginning of the application process.    If you choose to receive updates, but change your mind at a later date, you can opt out at    any time by sending e-mail with your company name, address and e-mail address to    salesmanager@americaneft.com.

   If you access our services through one of our business partners' web sites, we may share    contact information such as your name and e-mail address with that business partner. In that    case, please check the partner's privacy policy to see how they may use your contact    information.

   To ensure the accuracy, timeliness, and thoroughness of information, we use only reputable    sources of data to cross-reference against application information. Information that you submit    during the application process is not subject to modification.

3. Limiting Employee Access of Information

   To protect the confidentiality and privacy of credit information about individuals and small    businesses, we limit employee access to your files. We are committed to ensuring that    individuals with access to consumer information do not utilize the data for unauthorized    purposes. To ensure that each employee understands their responsibility, employees sign a    written confidentiality agreement before they are granted access to your data. We are also    committed to taking strong enforcement actions if necessary.

4. Protection of Information

   We maintain security procedures to help prevent unauthorized access to confidential    information. We update and test our technology to assure the integrity of our systems - and to    improve upon our existing privacy safeguards wherever possible.

   We back our Privacy Principles with some of the best security technology available. We use    SSL (Secure Socket Layer) Technology to ensure that your application information cannot be    accessed during transmission to our servers. We also use SSL authentication technology to    confirm the identity of both the computer sending and the computer receiving your application    information. This safeguard keeps unauthorized people and companies from accessing your    information. We also use technical security measures to prevent unauthorized access to data    stored on our secure servers.

5. Restrictions on the Disclosure of Account Information

   State and federal agencies require us to provide certain information regarding the number of    financing applications submitted to us. This information, when disclosed, is in aggregate form    and does not contain any of your personally identifiable information. State and federal    examiners may periodically audit consumer files. These audits ensure that we are complying    with the regulations in place to protect consumers.

6. Maintaining Customer Privacy in Business Relationships with Third Parties

   Information regarding our customers is used solely in the legitimate conduct of business to    deliver products and services, to design products, and to provide special offers designed to    meet the specific needs of our customers.

   You have the option of getting updates from us about our new financial products and services    that may meet your business needs.

   We will not reveal personally identifiable information to any third party unless we have been    authorized by you, have previously informed you in disclosures or agreements that we plan to    do so, or are required by law to do so.

If you have any questions about our privacy practices or about our application process, please e-mail us at salesmanager@americaneft.com or phone us toll free at (866) AMER-EFT, Monday - Friday, 9 AM to 5 PM (Pacific Time).