understand how we safeguard and use personal information,
and applies to all Members or former Members who obtain
membership services from us as well as persons who visit
our websites, or who request or provide us information but
do not become a Member (herein referred to as "you,"
"your" or "Member"). Applied Card Systems,
Inc. (herein referred to as "we," "us"
or "our") respects your decision to do business
with us and takes your privacy seriously. You trust us with
your personal information and we'll honor that trust by
handling your information carefully and sensibly. Information
received by us or business transacted with us through the
Internet is covered by this policy with additional terms
covered in the section entitled "Internet Privacy."
Applied Advantage and its websites are owned and
operated by Applied Card Systems, Inc. Our postal address
is P.O. Box 17125, Wilmington, DE 19850-7125. We can be
reached by telephone at 800-947-1090.
We collect information from and about you in order to identify
you as our Member, establish and manage Member accounts,
complete Member transactions, understand Member needs, market
products and services we believe are of value to Members,
and comply with legal and regulatory requirements. We collect
and obtain Member information from various sources including
· Information listed on enrollment forms or other benefit forms
· Membership billing transactions
· Enrollment in the online membership services
· Information received through our websites
(see “Internet Privacy” below)
· Member transactions with us or other companies
· Member communications with us, any of our
affiliates or third party companies
· Public information
We are committed to maintaining the security of our your
personal information. All operational and data processing
systems are in a secure environment that protects information
from being accessed by unauthorized individuals or third
parties. Access to nonpublic information about you is restricted
to our associates that need to know that information in
order to provide products or services to you. We maintain
physical, electronic, and procedural safeguards to guard
your nonpublic personal information. Correspondence and
telephone conversations are monitored and may be recorded
for quality, compliance, and accuracy to ensure that our
standards are being followed.
From time to time, we may enter into agreements with other
companies to provide services to us or to make products
and services available to you. Under these agreements, the
companies may receive information about you and they must
safeguard this information and they may not use it for any
Disclosures to Service Your Membership
It is often necessary for us to disclose Member information
to companies, including our affiliates, which perform services
necessary to establish and manage membership services on
our behalf. These services may include billing and enrollment
transaction processing, research and analysis, delivery
and administration of benefits and programs, marketing services,
membership material fulfillment, and customer service. When
it comes to disclosing Member information to others for
the purpose of establishing and managing memberships, we
place limits on who receives specific information. We disclose
to these companies information that they need to manage
membership accounts and restrict the use of that information
so that it cannot be used for any purpose beyond the intended
service. We may also provide certain information to others
as required or permitted by law, such as to government entities
or other third parties in response to subpoenas.
Disclosures to Provide You with Offers for Products
We continually work to provide our Members with new and
valuable products, discounts, and services as part of our
membership benefits. In doing so, we work with other affiliated
and non-affiliated companies by providing them Member information
so they can provide our Members with offers for products
and services. This research and corresponding offers will
be developed under conditions designed to safeguard Member
information. We follow applicable law in disclosing Member
information. As a Member, you agree that we, our affiliates,
and non-affiliated companies to whom we provide Member Information
may contact you in any commercially reasonable way including
Your Ability to Opt-Out of Information Sharing
You have the option to opt-out of information sharing with
affiliated and non-affiliated companies by notifying us
of your desire to opt-out, in writing, at the address listed
above. This only applies to information sharing for the
purposes of providing you with offers for products and services
and does not apply to information sharing for the purpose
of servicing your membership.
If you opt-out, you may still receive offers for products
and services provided by affiliated or non-affiliated companies
when we communicate with you about your membership. These
offers, however, will be developed without disclosing information
about you to the other companies. You may also still receive
offers that are developed without the use of information
that we have collected about you.
Vermont Residents Only
We will not disclose information about you to other companies
for the purpose of providing you with their products and
services unless you authorize us to do so ("opt-in").
You may opt-in by writing to P.O. Box 17125, Wilmington,
DE 19850-7125 or by contacting our Customer Service Department
Even if you do not opt-in, you may still receive offers
for products and services provided by affiliated or non-affiliated
companies when we communicate with you about your account.
These offers, however, will be developed without disclosing
information about you to the other companies.
If you elect to opt-in and subsequently decide to revoke
the opt-in direction you have given to us, you can write
to P.O. Box 17125, Wilmington, DE 19850-7125 or contact
our Customer Service Department at 800-947-1090.
In addition to the other provisions outlined in this Privacy
Policy, the following applies to use of our websites.
We collect and store information about the name of the
domain from which you access the Internet, your computer's IP (Internet Protocol)
address, the date and time you access our site, the
Internet address of the website from which you linked
to us, as well as information regarding your browser
and operating system. While you use our site, we collect
the amounts of time you spend and links you use on each
page as well as the address to which you go when leaving
our site. This information enables us to tell which
areas of the site and benefits being offered are of
most interest to our Members and visitors, which avenues
of site promotion are most effective and the volumes
and times of peak website usage.
We use "cookies" to store and retrieve information
about you. A cookie is a small piece of information
that a website stores on your web browser and can later
and visitors and they are for administrative use and
information-gathering purposes as noted above. None
of the cookies will contain information that will enable
any third party to contact you.
Links To Third Party Websites:
Our website may contain links to, and may be linked
from, third party websites, which are not under our
control. We make no representations whatsoever about
any other website to which you may have access through,
or to, our website. When you access a website that does
not belong to us, you do so at your own risk, and we
are not responsible for the accuracy or reliability
of any information, data, opinions, advice, or statements
made on those sites. We are not responsible for updating
or correcting false or misleading information on any
third party website. We provide these links as a convenience,
and the inclusion of such links does not imply that
we endorse or accept any responsibility for the content
or uses of such websites. Furthermore, any opinions
expressed on any third party website are not necessarily
Your Online Security:
One of our highest priorities is to ensure your privacy and peace of mind by employing the most advanced security measures in our industry. Once you enroll in online services, you will be able to use your membership number and a self-selected password that serves as our first line of defense. Whenever we ask you to send confidential information over the Internet, we require that a "secure session" be established using the latest TLS encryption technologies. TLS allows you to transmit information in an encrypted manner. All data transmitted between our servers and your computer cannot be read even while traveling across multiple networks. To establish a secure session with our site, you must use a modern TLS-compliant browser. Newer versions of Google Chrome and Microsoft Internet Explorer/Edge have this capability. Many other browsers will support encryption, but they may not provide the necessary level of security.
In addition, we have extensive and sophisticated security measures in place to protect our servers, databases and communication lines. Our systems are monitored 24 hours a day, seven days a week to ensure the integrity of our data and services. We engage in regular internal and external reviews of our web site, security procedures and technologies. This attention to security helps ensure the safety of your membership account information and online transactions. The best security measures are those that support your privacy without hindering your access to membership account information. You can rest assured that your membership account information is safe.
If you decide to cancel your membership or your membership
becomes inactive or is canceled for some other reason,
we will continue to treat and safeguard your information
Protecting Our Children
We do not knowingly market to anyone under the age of 18.
We recognize the importance of protecting children's identities
Commitment to Service
If you believe that our records contain inaccurate or incomplete
information about you, it is important that you notify us
as soon as possible. We will investigate your concerns and
correct any verifiable inaccuracies.
we have posted or delivered to you. We reserve the right
you of changes as required by law.