PRIVACY POLICY

Before using this Web site, please read the Privacy Policy below.

By using this Web site you agree to the terms of the Privacy Policy stated below. TreasureCard and TreasureCom ("TreasureCom Inc") and its affiliates and subsidiaries reserve the right to review and revise the Privacy Policy from time to time without prior notice and, by using this site subsequent to any revision of the Privacy Policy, you agree to be bound by such changes. If you find the Privacy Policy to be unacceptable, you must immediately terminate your use of this Web site.

TreasureCard and TreasureCom Inc Website Privacy Policy

Except as provided in this Privacy Policy, The TreasureCom Inc Websites do not disclose individually identifiable information about its visitors to any third party without that visitor's consent.

Privacy Philosophy

The information provided in this Privacy Policy covers your interactions on the different areas of TreasureCom Inc Web sites referenced above (excludes the co-branded pages of our partners and affiliates). As a company, TreasureCom Inc believes strongly in protecting online consumer privacy, and it is TreasureCom Inc's goal to allow our visitors to provide as much or as little information as they feel comfortable.

Information this Site Collects

Required Information
To use the TreasureCard services, consumers must submit their name, address, phone number, and email address. To take advantage of certain features of the TreasureCard services, consumers must submit credit/debit card or bank account information. Required information is necessary for us to process transactions, protect you against credit/debit card or checking account fraud and allows us to contact you should the need arise.

Transaction Information
To process transactions, we collect information related to each transaction, such as the amount and the necessary identifying information, including the account numbers or email addresses of the parties involved.

Third-Party Information
During the processing of transactions, we may collect verification information from our Third Party credit card authorization service. The Third Party verifies that users' credit card information and address matches the information that the user supplies to TreasureCard. Questionnaires, Surveys and Profile DataWe may 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 the survey itself. Aggregate Statistical InformationWe may collect aggregated statistical information for purposes of improving our service and your experience with PaymasterMillenium, TreasureCom and its affiliated companies and divisions. This data does not contain personally identifying information, such as name or email address.

Our Use of Information

Internal Uses
We use data collected on our website in order to 1) provide our financial services, 2) provide customer service, and 3) improve our product. We give access to individually identifiable information about our users only to those employees who require it to fulfill customer service requests.

Contacting TreasureCard Visitors
We may contact website visitors about our products or conduct additional surveys. Only those visitors who have given their permission to participate may be contacted.

Disclosure to Other TreasureCard Users
We will NEVER release an individual's personal information without consent. If you are a registered TreasureCard user, you have consented to have your name, email address, date of sign-up, and whether you have confirmed (or not confirmed) an account at another financial institution only made available to anyone whom you have paid or who is attempting to pay you through TreasureCard, as described in the Terms of Use. However, your credit card/debit number, checking account and routing number, and other financial information will NEVER be revealed to anyone whom you have paid or who has paid you through TreasureCard. This makes TreasureCard transactions more private than mailing a check or giving out your credit/debit card!

Disclosure to Third Parties
We will not give third parties individually identifiable information about users except for the limited purposes described below.

1. In accordance with the Terms of Use of the TreasureCard service, whenever it is necessary or appropriate to comply with the law or legal process, to protect our systems and customers, or to ensure the integrity and operation of our business and systems.
2. We are compelled to do so by order of a duly-empowered governmental authority.
3. We have the express permission of the consumer, such as provided in the Terms of Use.
4. We are required to disclose it in order to process transactions.
5. We may share aggregated statistical data with our business partners or the general public. For example, we may tell the general public that 10% of our users live in Florida.
6. When a user signs up for a co-branded version of TreasureCard (e.g. TreasureCard.com) through links on our co-branded partner's website, TreasureCard will share with the co-branded partner that user's name, email address and physical address. When a user signs up for a co-branded version of TreasureCard through TransActPro Agent System, TreasureCard will share with its Agents that user's transactional information in order to sync with TransActPro.

Internet Information
We use IP addresses to analyze trends, administer the site and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

Referral Program
When you sign up to use the TreasureCard Service, we may send you an email with a unique referral link that you can forward to your friends. The link identifies you as the referrer.

Use of Cookies
We may use cookies when users log in to their TreasureCard Service account with their email address and password. These cookies allow us to remember a user who visits multiple pages in our site, so that the user doesn't need to re-enter the password multiple times. Once the user shuts down the browser, these cookies expire and no longer have any effect. We also may use longer-lasting cookies to display users' email addresses, so that they don't have to retype the email address each time when logging in to an account. In addition, we may use cookies to process our affiliate program; no personal information is shared with our affiliates. Usage of a cookie is in no way linked to any personally identifiable information while on our site.

Opting Out
At the end of the registration process, a new user may elect to be excluded from any surveys or product announcements. A user who later decides not to receive email notifications for TreasureCard transactions or product announcements may choose to opt out by changing their preferences in the Profile page of the My Account tab.

Corrections and Updates
Users can update their account information in the Profile page of the My Account tab. In some cases, it may be necessary to email service@TreasureCardl.com or call (561) 366-8611 Monday through Friday between the hours of 4am and 10pm PT. DeactivationUsers may terminate an account by sending a request to our customer support staff through the Contact Us button on our website through our Help Center.

Notification of Changes
This policy may be revised over time as new features are added to the website. We will post those changes prominently so that you will always know what information we gather, how we might use that information, and whether we will disclose it to anyone. Please check this site for information about revisions to our privacy policy.

Contacting the Web Site
If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can email service@TreasureCard.com or call (561) 366-8611 Monday through Friday between the hours of 4am and 10pm PST.

TreasureCard,
605 Belvedere Road,
Suite 15,
West Palm Beach,
FL 33405.

Data Security and Encryption

The security of your information, transactions, and money is the core of our business and our top priority at TreasureCard.

TreasureCard automatically encrypts your confidential information in transit from your computer to ours using the Secure Sockets Layer protocol (SSL) with an encryption key length of 128-bits (the highest level commercially available). Before you even register or login to our site, our server checks that you're using an approved browser - one that uses SSL 3.0 or higher.

Once your information reaches us, it resides on a server that is heavily guarded both physically and electronically. Our servers sit behind an electronic firewall and are not directly connected to the Internet, so your private information is available only to authorized computers.

Seller Protection Policy

TreasureCard wants to protect our sellers against chargebacks due to fraud.

Although the vast majority of payments occur without problems, there is always the risk that you are dealing with a fraudulent buyer. There is a risk, for instance, that your buyer may be paying you with a stolen credit card.

Who takes on this risk? Most payment companies simply pass on 100% of the transaction liability to the seller. TreasureCard is different. We sometimes chose to give sellers the opportunity to protect themselves from liability.

We can do this because we know that if you follow certain guidelines you dramatically reduce the risk that you are dealing with a fraudulent buyer. They are:
· Be a Verified Premier or Verified Business Account (U.S.)Verification is a positive signal to your buyer and to the TreasureCard community. By using the Verification System, TreasureCard reduces the risk that a Seller is not legitimate. Dishonest Sellers damage both the TreasureCard community and the online community in general.
· Ship to the buyer's Confirmed AddressTreasureCard often prompts buyers to provide sellers with a Confirmed Address when making a purchase. The Confirmed Address is often checked against the credit card billing address maintained by the buyer's credit card company. Shipping to this address minimizes the risk of being paid by a fraudulent buyer.
· Retain reasonable proof-of-shipment that can be tracked onlineAlways keep proof that you did indeed honor the payment and made the shipment to the Confirmed Address. Most U.S. carrier companies offer this service, including the U.S. Postal Service. You will be required to provide a copy of this shipment record in cases of disputes. The tracking documentation must show that you shipped to the Confirmed Address.
· Ship tangible goodsSince comparable widely-accepted proof-of-shipment methods are not currently available for intangible goods and services, we are currently unable to offer Seller Protection for digital goods and other electronically-delivered items.
· Only accept single payments from single TreasureCard accountsPayments by a buyer from multiple accounts for a single item are a fraud indicator. Under no circumstances should you accept these payments. Acceptance of these payments will result in loss of protection under this Policy and possible termination of your account.
· Ship to domestic (U.S.) buyers at U.S. addressesExcept for Jamaica we do not currently extend Seller Protection for international payments and shipments.

The Seller Protection Policy was developed for those sellers who want to limit their risk. We give sellers the opportunity to be protected from chargebacks if they follow the guidelines. Sellers who decide not to follow them make the decision to take on risk and will be held liable for any chargebacks.

A special note about shipping internationally: Except for Jamaica If you choose to ship internationally you do so outside of the Seller Protection Policy. Furthermore, shipping to a country not on the list of TreasureCard approved countries is a violation of our service and may result in termination of your account.

Buyer Complaint Process

Although the vast majority of TreasureCard payments occur without problems, should an issue arise, TreasureCard will work to help settle disputes through our Buyer Complaint Process. For further information on increasing the safety of your transactions, see our Fraud Prevention Tips for Buyers.

If you do not receive the promised goods when using TreasureCard to make a purchase, take the following steps:

1. Attempt to contact the seller. Many disputes occur over simple misunderstandings and can be resolved through open communication.
2. If you are unable to resolve the situation this way, you may immediately initiate an investigation by filing a Buyer Complaint Form (login to your account and and select the "Security Center" link in the footer of any TreasureCard page). This report must be filed within 30 days of the payment. TreasureCard will investigate your complaint and attempt to recover any funds you are owed. You will be entitled to the return of any funds BillsXPress is able to collect on your behalf. However, fund recovery is not guaranteed. We will make every effort to complete our investigation and any reimbursement within 30 days of the date the Buyer Complaint Form is filed.

For specific terms and conditions of the Buyer Complaint Process, please review the Consumer Protections section of our Terms of Use.

Fraud Prevention Tips

While the vast majority of online transactions are completed between two honest parties, fraud and the resulting chargebacks are a fact of Internet life. Through our Buyer and and Seller Protection Policies, BillsXPress protects those users who follow our safe commerce rules. It is however, each individual's responsibility to take proactive steps to protect themselves from fraud. We have provided the following guidelines to assist you.

Fraud Prevention Tips For Sellers

The more selling you do, the more likely you are to receive a payment made with unauthorized funds. By becoming familiar with common fraud patterns and taking steps to protect yourself, you will reduce your chances of becoming a victim. If you decide to take on additional risk by not following our Seller Protection Policy rules, you are liable for chargebacks from fraudulent transactions. The attributes listed below are warning signs that a transaction may be fraudulent and you should conduct additional diligence before completing the sale.

Ship to the Buyer's Confirmed Address. This address is checked against the address maintained by the Buyer's credit card company. By shipping to this same address you will reduce the risk that your buyer is using a stolen credit card.
* As of March 11th the Seller Protection Policy may require sellers to ship to the buyer's billing address provided in the transaction details page of the payment.
* A buyer who requests that you ship to an address that differs from the one on the transaction details page under "Confirmed Address" should be seen as suspicious. This person may be using a stolen credit card and entered the real billing address of that card in order to pass the address verification check but is now trying to get you to ship to an address where the person can access the items.
* Premier and Business Account users may change their Preferences so that they only receive payments that are accompanied by a Confirmed Address.

Check out the Buyer's Reputation. Most auction sites have forums where sellers can leave feedback on buyers' bid retractions, speed of payment and general experiences. Use extra care in taking orders from new buyers.
· Look for buyers with long histories of successful transactions who have a number of positive comments from other sellers.
· Check whether the buyer is a Verified BillsXPress User and has been a member of BillsXPress for at least a couple of months.

Accept Payment from Only One TreasureCard Account per Buyer. Be wary of payments made from different BillsXPress accounts for a single item.
· Our Terms of Use forbids transactions where the seller accepts payment from more than one BillsXPress account. Limit Credit/Debit Card Payments. Most online fraud is committed using stolen credit/debit cards. Our new Preferences feature allows Premier and Business Account users set up their accounts to accept payments from checking accounts only. This eliminates the risk of fraud due to stolen credit/debit cards, the most common form of Internet fraud.

Be wary of Buyers who are Not Concerned with Costs. Fraudsters often want the items shipped immediately and do not mind spending extra money for overnight delivery.

Conduct more Checks on Buyers of High Value Items. Certain types of merchandise that can be easily resold for large amounts are especially attractive to fraudsters. This includes electronics, computers and computer equipment, cameras, home entertainment products such as DVDs and DVD players, sports equipment, jewelry and other similar items.

Be Extra Cautious with International Payments. TreasureCard does verify international buyers' credit cards, however international transactions do carry a higher risk of fraud. International transactions are not currently protected under our Seller Protection Policy. Our new Preferences feature allows Premier and Business Account users to set up their accounts so that only U.S. users will be allowed to send them money. If you choose to ship internationally and hence, not be covered under the Seller Protection Policy, follow these guidelines:

· Only ship to the countries on the PaymsterMillennium Approved Countries list. If you ship to a country not on this list BillsXPress reserves the right to restrict your account.
· If an address is provided in the Payment Details page, ship only to that address.
· Only ship internationally to International Users. The transaction details page of the payment should have an International status, rather than Verified or Unverified.

Fraud Prevention Tips For Buyers

There are dishonest sellers on the Internet who will attempt to sell you merchandise they do not own. Conducting due diligence on a seller before sending the payment will reduce your chances of being caught in such a scam. The following are guidelines to incorporate into your buying practices that will help protect you.

Check out the Seller's Reputation. One of the best ways to get to know a seller is by reading comments left by previous buyers. Most auction sites have forums where buyers can leave feedback on sellers' business practices. Use extra care when buying products from new sellers.

* Look for sellers with long histories of successful transactions with a number of different buyers.
*Check whether the seller is a Verified TreasureCard User and has been a member of BillsXPress for at least a couple of months.
*If you encounter problems with a TreasureCard member, you may try to resolve them through our Buyer Complaint Process. Use Extra Caution with High Value and Popular Items. Certain types of items carry a higher fraud risk and require additional checking before completing the sale. These products include popular items that tend to be sold out in stores.
*Be suspicious of deals that seem too good to be true. They usually are.
*Be suspicious of sellers offering a very low price for a hard to find item and seem to have a large number of these same products.
* If a seller is offering a number of the same items, ask to speak with the seller's supplier. Independently verify that the supplier is a legitimate business with the correct address and phone number through a telephone directory or by calling 411.

Do not Buy "Out of Auction" from a Different Seller. If you receive an unsolicited email from someone selling the same product that you recently bid on, be careful about buying the product. While the seller may be offering a lower price, fraudsters often use this tactic to get around the official controls and consumer protections auction sites provide members. We are always available to assist you with suspicious transactions. If you have concerns about a transaction, Contact Us before you complete the sale.