Privacy
Policy - your information is secure... General
Privacy Policy We-Care-Foundation
will not ask for personal information. You can sign up to
and post to our forums and lists without having to become
a member and/or without giving us your personal information. However,
if you choose to donate to us or purchase advertising from us thru
PayPal or Stormpay you may have to
provide some personal information for the purpose of setting up your
free PayPal or Stormpay account [if you do not have one already]. We
have provided PayPal's and Stormpay's privacy policies below for your
convienience [so you don't have to leave our site to read them]. Please
see below... PayPal™ related
Privacy Policy A. Overview In order to operate
the PayPal service and to reduce the risk of fraud, PayPal Corp.
("PayPal" or "we")
must ask you to provide us information about yourself and your credit
card and/or bank
account. This Privacy Policy describes the information we collect and
how we use that information. If you apply for
a PayPal VISA® credit card (available in the
U.S. only), you authorize PayPal and Providian National Bank (which
is the issuer of the PayPal VISA card) to exchange the information
you provide in the application form. If you are approved for a PayPal
VISA credit card, your credit card account will be governed by the
Providian Privacy Policy. PayPal takes the privacy of your personal information very seriously
and will use your information only in accordance with the terms of
this Privacy Policy. We will not sell or rent your personally identifiable
information or a list of our customers to third parties. However, as
described in more detail in Part C below, there are limited circumstances
in which some of your information will be shared with third parties,
under strict restrictions, so it is important for you to review this
Privacy Policy. This Privacy Policy applies to all services that are
hosted on the PayPal.com Web site, whether the services are offered
by PayPal, by its subsidiaries, or by the PayPal Money Market Fund. Your privacy is
important to us. By participating in the Council of Better Business
Bureau's
BBBOnLine® Privacy Program we have made
a commitment to meet the program's strict requirements regarding how
we treat your information and have it verified by BBBOnLine. Further
information about this program is available at http://www.bbbonline.org. Additionally, in order to enhance the protection of your privacy and
our compliance with this Privacy Policy, PayPal has agreed to disclose
our information practices and to have our practices reviewed for compliance
by TRUSTe. TRUSTe is an independent, non-profit organization whose
mission is to build users' trust and confidence in the Internet by
promoting the use of fair information practices. By displaying the
TRUSTe trustmark, PayPal has agreed to notify you of:
What personally identifiable information of yours is collected by PayPal.
The organization collecting the information.
How the information is used.
With whom the information may be shared.
What choices are available to you regarding collection, use and distribution
of the information.
The kind of security procedures that are in place to protect the loss,
misuse or alteration of information under PayPal's control.
How you can correct any inaccuracies in the information.
If you have questions or concerns regarding this Privacy Policy, you
should first contact PayPal using this form. If you do not receive
acknowledgment of your inquiry or your inquiry has not been satisfactorily
addressed, you should then contact TRUSTe http://www.truste.org/consumers/watchdog_complaint.php.
TRUSTe will then serve as a liaison with PayPal to resolve your concerns.
By accepting the Privacy Policy and User Agreement in registration,
you expressly consent to our use and disclosure of your personal information
in the manner described in this Privacy Policy. This Privacy Policy
is incorporated into and subject to the terms of the PayPal User Agreement.
This Privacy Policy will take effect on March 4, 2003. This Privacy
Policy was last updated on April 15, 2005. Please note that your personal information will be stored and processed
on our computers in the United States. The laws on holding personal
data in the United States may be less stringent than the laws of your
country but PayPal will hold and transmit your personal information
in a safe, confidential and secure environment. If you object to your
personal information being transferred or used as described in this
Privacy Policy, please do not register for the PayPal service. Notification of Changes
This policy may be revised over time as new features are added to the
PayPal service or as we incorporate suggestions from our customers.
If we are going to use or disclose your personally identifiable information
in a manner materially different from that stated at the time we
collected the information, you will have a choice as to whether or
not we use or disclose your information in this new manner. Any material
changes will be effective only after we provide you by e-mail with
at least 30 days' notice of the amended Privacy Policy (if you have
closed your PayPal account, you will not be contacted to notify you
of the amended Policy and your personal information will not be used
or disclosed in this new manner). We will post the amended Privacy Policy prominently on our Web site
so that you can always review what information we gather, how we might
use that information, and whether we will disclose it to anyone. Please
check the PayPal Web site at www.paypal.com at any time for the most
current version of our Privacy Policy. PayPal Shops and other pages on the PayPal Web site include links
to third party Web sites. These sites are governed by their own privacy
statements, and PayPal 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. A Special Note About Children. Children are not eligible to use our
service and we ask that minors (under the age of 18) do not submit
any personal information to us or use the service.
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B. Information We Collect Required Information
To open a PayPal account, you must provide your name, address, phone
number, and e-mail address. In order to make payments through PayPal,
you must provide credit card, debit card or bank account information
(bank account information is required to make payments totaling more
than $1,000.00 USD). We also ask you to choose two different security
questions to answer (such as your city of birth or your pet's name)
This required information is necessary for us to process transactions,
issue a new password if you forget or lose your password, protect
you against credit card fraud and checking account fraud, and to
contact you should the need arise in administering your account. Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department
of the Treasury and the Securities and Exchange Commission require
PayPal Funds to obtain, verify, and record the following information
for each investor in the PayPal Money Market Fund.
Name
Address
Date of Birth (for Individuals)
Tax Identification Number (social security number for individuals or
employer identification number for businesses)
In order to comply with the Bank Secrecy Act, we will also require
your Tax Identification Number if you send or receive certain high-value
transactions or high overall payment volumes through PayPal. If you
choose to register or apply for certain optional features or products
offered through PayPal Web sites, such as listing your business in
PayPal Shops, or applying for the PayPal Visa® credit card or the
PayPal MasterCard® debit card, you will be required to provide
additional information to establish that you qualify for such features
or products.
Transaction Information
When you use PayPal to send money to someone else or request money
from someone else, we ask you to provide information related to each
transaction, including the amount of the transaction, the type of
transaction (purchase of goods, purchase of services, or simple money
transfer ("quasi-cash")) and the e-mail address of the
third party. We retain this information for each of your transactions
through PayPal. We also collect the Internet address (IP address)
of the computer or device you use to access your PayPal account,
in order to help detect possible instances of unauthorized transactions. 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 PayPal, we will use card authorization and
fraud screening services to verify that your card information and
address matches the information that you supplied to PayPal, and
that the card has not been reported as lost or stolen. If you register
your online business with PayPal Shops or if you send or receive
high overall
payment volumes through PayPal, in some circumstances
we will conduct a background check on your business by obtaining information
about you and your business from a credit bureau or a business information
service such as Dun & Bradstreet. If you incur a debt to PayPal,
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. PayPal, at its sole discretion, also reserves the right periodically
to retrieve and review a business and / or consumer credit report for
any account, and reserves the right to close an account based on information
obtained during this credit review process. Additional Verification
If we cannot verify the information that you provide, or if you request
a withdrawal by check to an address other than your verified credit
card billing address, we ask you to send us additional information
by fax (such as your drivers' license, credit card statement, and/or
a recent utility bill or other information linking you to the applicable
address), or to answer additional questions online to help verify
your information. Web Site Traffic Information
Because of the way that World Wide Web communication standards work,
when you arrive at or leave the PayPal 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 PayPal 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 PayPal. We do not track the Web sites that you visit before
or after you leave the PayPal site. Our
Use of "Cookies"
"
Cookies" are small files of data that reside on your computer
and allow us to recognize you as a PayPal customer if you return to
the PayPal site using the same computer and browser. We send a "session
cookie" to your computer if and when you log in to your PayPal
account by entering your e-mail address 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 or close your browser, these session
cookies expire and no longer have any effect. We also use longer-lasting cookies to display your e-mail address
on our sign-in form, so that you don't have to retype the e-mail address
each time when you log in to your PayPal account. In addition, we use
cookies to process our referral program, described in Section C below.
Our cookie files are encoded so that your e-mail address and other
information can only be interpreted by PayPal. We may, however, share
cookie information regarding whether or not a certain user is already
registered with PayPal with certain merchants with whom we have an
official co-marketing relationship. 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 PayPal
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. Non-member Recipients and Requests
When a member either sends a payment to, or requests a payment from,
an individual who is not a registered member of PayPal, we will retain
the information that the member submits to us, including, for example,
the other party's email address and/or name, for the benefit of the
member who is attempting to contact the non-member, so that the member
can see a complete record of his or her transactions, including uncompleted
transactions. Although this information is stored indefinitely, we
will not market to the non-member in any way at any time. Additionally,
these non-members have the same rights to access and correct information
about themselves (assuming that their email addresses were correct
enough to reach them) as anyone else who uses PayPal.
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C. Our Use and Disclosure of Information Internal Uses
We collect, store and process your personal information on servers
located in the United States. We use the information we collect about
you in order 1) to provide our services and process your transactions,
2) to provide customer service, 3) to determine your eligibility
to receive offers for special features or products, such as the PayPal
MasterCard® debit card, and 4) to improve our products and services.
At your option (as indicated in your PayPal Profile settings), we
use the information you provide to access specific third party services
on your behalf and perform the actions that you request us to perform,
such as invoicing winning bidders on behalf of auction sellers. 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 PayPal Customers
If you are a registered PayPal user, your name, e-mail address, date
of sign-up, and whether you have verified control of a bank account
are displayed to other PayPal customers whom you have paid or who
are attempting to pay you through PayPal. If you are a Business account
holder, we will also display to other PayPal customers the Web site
address (URL) and customer service contact information that you provide
us. However, your credit card number, bank account and other financial
information will NEVER be revealed to anyone whom you have paid or
who has paid you through PayPal, except with your express permission
or if we are required to do so pursuant to a subpoena or other legal
process. If you are buying goods or services and paying through PayPal, the
seller of the goods or services may request that you provide a mailing
address that PayPal has confirmed as matching the billing address in
the credit card system. You do not have to provide this information.
If you do not provide the information, however, the seller may choose
not to accept your PayPal payment and not to complete the transaction. We work with third party merchants to enable them to accept payments
from you, including direct credit card payments. Merchants who use
this service will share personally identifiable information you provide
to them with PayPal in order to validate the information, assess the
risks of your payment, or confirm the existence or status of your PayPal
account. You permit PayPal to share information with the merchant on
the validity of the personally identifiable information you provided
to the merchant, and on the existence or status of your PayPal account. PayPal does not store the personally identifiable information provided
by these merchants to validate the existence of your account. Beginning in spring 2001, PayPal will also disclose to other PayPal
customers the number of payments you have received from Verified PayPal
customers (as defined in the User Agreement on the www.paypal.com site),
or other aggregate measures that provide an indication of your reputation
with other PayPal customers. Disclosure to Third Parties Other Than PayPal Customers
PayPal will not sell or rent any of your personally identifiable information
to third parties. PayPal 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 with other
PayPal 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 numbers. See "Information About You From
Third Parties" in Section B above. Additionally, if you go into
a negative balance and owe us money, we may share information with
processing companies including collection agencies.
We may disclose the information we collect, as described in Section
B above, to companies that perform marketing services on our behalf.
We may also disclose the information we collect (but not your bank
account or credit card information) to other financial institutions
with whom we have joint marketing agreements, in order to determine
whether you are pre-approved for the products that PayPal is jointly
marketing with the third party (such as the PayPal Visa credit card
issued by Providian National Bank). These companies are subject to
confidentiality agreements with us and other legal restrictions that
prohibit using the information except to market the specified PayPal-related
products or services, unless you have affirmatively agreed or given
your prior permission for other uses.
If you do not want PayPal to share any of your information with our
joint marketing partners, please log in to your account to set your
Notification preferences in the Profile page of the My Account tab
to indicate that you do not want to receive Partner/Third-Party Promotions
or the PayPal Periodical Monthly Newsletter and Product Updates. Use
the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.
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.
For example, 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 PayPal (e.g. PayPal
Evite) through links to PayPal from our co-branded partner's website,
PayPal will share with the co-branded partner that user's name, e-mail
address and physical address in order to provide enhanced integration
between PayPal's services and the services of our co-branded partner.
If you do not want your information shared with PayPal's co-branded
partner, you should sign up with PayPal directly and not through
a link from our partner's website.
If you choose to invest in the PayPal Money Market Fund, we will share
your information with PayPal Funds, a Delaware business trust which
is the issuer of the Money Market Fund, and with PayPal Asset Management,
Inc., a wholly-owned subsidiary of PayPal that is the transfer agent
for the Money Market Fund, so that you can complete your investment
more easily and can move funds into and out of the Money Market Fund
without re-entering your personal information for every transaction.
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.
As with any other business, it is possible that PayPal in the future
could merge with or be acquired by another company. If such an acquisition
occurs, the successor company would have access to the information
maintained by PayPal, including customer account information, but
would continue to be bound by this Privacy Policy unless and until
it is amended as described in Section A above.
We share your information with our parent, subsidiaries and joint ventures
to help coordinate the services we provide to you, enforce our terms
and conditions, and promote trust and safety.
Our Contacts with PayPal 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 a PayPal account, to send you notice
of payments that you send or receive through PayPal (including referral
payments described below), to send information about important changes
to our products and services, 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, including the PayPal Periodical newsletter, auction
tips, customer surveys and notice of special third-party promotions.
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 PayPal Web site and changing your
preferences in the Profile page of the My Account tab. 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. Your Use of Information and Our Services
In order to facilitate the transactions between PayPal members, our
service allows you limited access other users' contact or shipping
information. As a seller you may have access to the User ID, email
address and other contact or shipping information of the purchaser,
and as a purchaser you may have access to the User ID, email address
and other contact information of the seller. By entering into our User Agreement, you agree that, with respect
to other users' personally identifiable information that you obtain
through the site or through an PayPal-related communication or PayPal-facilitated
transaction, you will only use this information for: (a) PayPal-related
communications that are not unsolicited commercial messages, (b) using
services offered through PayPal (e.g. insurance, shipping and fraud
complaints), and (c) any other purpose that such user expressly agrees
to after adequate disclosure of the purpose(s). In all cases, you must provide users with the opportunity to remove
themselves from your database and review any information you have collected
about them. In addition, under no circumstances, except as defined
in this Section, can you disclose personally identifiable information
about another PayPal user to any third party without our consent and
the consent of such other user after adequate disclosure. Note that
law enforcement personnel and other rights holders are given different
rights with respect to information they access. PayPal does not tolerate spam. Therefore, without limiting the foregoing,
you may not add a PayPal user to your mail list (email or physical
mail) without their express consent after adequate disclosure, even
if said user has previously made a purchase from you. We strictly enforce
our Anti-Spam Policy! To report PayPal-related spam to PayPal, please
contact us. Merchant Referral Program
When you sign up for a PayPal account, you become eligible to participate
in our Merchant Referral Bonus program. We provide you with a link
on the Merchant Referral Bonus page which identifies you as the referrer.
If a merchant uses that link to sign up for a Premier or Business
PayPal account and completes the bonus requirements, you are eligible
for a referral bonus. If you use a referral link to sign up, your
business name (if you have a Business account) or first and last
name (if you have a Premier account) may be listed in the referrer's
PayPal account, along with the amount of bonus you have generated
for the referrer, which is calculated as a percentage of your transaction
volume, as described in the Merchant Referral Bonus Policy. Please use our referral program responsibly. We strictly enforce our
Anti-Spam Policy! Read details on the Referral Bonus.
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D. Information Security Information Security
PayPal 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 computers that are
not connected to the Internet. 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 federal 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. For more information on PayPal's
security practices, please visit the PayPal Security Center. The security of your PayPal account also relies on your protection
of your PayPal password. You may not share your PayPal password with
anyone. PayPal will never ask you to send your password or other sensitive
information to us in an e-mail, though we may ask you to enter this
type of information on the PayPal website, which will always have a
URL beginning with https://www.paypal.com/. Any e-mail or other communication requesting your password, asking
you to provide sensitive account information via email, or linking
to a website with a URL that does not begin with https://www.paypal.com/
should be treated as unauthorized and suspicious and should be reported
to PayPal immediately using this form. If you do share your PayPal
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 www.paypal.com/ and changing your Profile settings, and
also contact us right away as described in Section F below.
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E. 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 PayPal
account, at any time by logging in to your account on the PayPal Web
site and changing your preferences in the Profile page of the "My
Account" tab. You can also close your account through the PayPal
Web site. If you close your PayPal account, we will mark your account
in our database as "Closed," but will keep your account information
in our database. 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 you close your account, 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 (for example, to send former
Money Market Fund investors a report of dividends paid during the calendar
year for tax reporting purposes).
-------------------------------------------------------------------------------- Stormpay™ Privacy Policy We do not sell or rent your personal information to third parties
for their marketing purposes. We view protection of users' privacy
as a very important community principle. We understand clearly that
you and your information is one of our most important assets. StormPay
will however, always cooperate fully with law enforcement agencies
and authorities in any investigations concerning fraud or any type
of Internet crime. We store and process your information on computers
located in the United States that are protected by physical as well
as technological security devices.
Legal
Note - PayPal™ and
Stormpay™ are not affiliated with We-Care-Foundation™ beyond
the use of them as secured payment processors for donations as
well as paid advertising
campaigns thru the We-Care™ website. We simply provided their
persective privacy policies as a convienience to our own visitors.
We make
no claim to images or copyright of either entity, we simply provide
them as a means of completing safe secured financial transactions
over the internet. back
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