This Privacy Notice applies to this Cheque Express online interface (i.e., website, including mobile websites) and any Cheque Express retail location, affiliate or subsidiary that links to this Notice or that we own and control (each, a Site, and, collectively, Sites), unless a different notice or policy is posted at a particular site or is made available and by its terms supplants this Notice. This Notice describes how Sites may collect, use and share information from or about the customer and explains how information may be collected and used based on online interactions with our advertisements that appear on the Sites and third-party websites.
Cheque Express provides other online interfaces not covered by this Notice such as a page or handle on a social media site. Please review the online privacy practices of the applicable site to understand how online information may be collected, used and shared.
Cheque Express provides other online interfaces not covered by this Notice such as a page or handle on a social media site. Please review the online privacy practices of the applicable site to understand how online information may be collected, used and shared.
By using a Site or interacting within Cheque Express advertisement or page or account on a third-party website, a customer agrees to the terms and conditions of this Notice.
Personal Information means personally identifiable information such as information provided via forms, surveys, applications or other online fields including name, date of birth, social security number, bank information, employment information, postal or email addresses, telephone, fax or mobile numbers.
We may use Personal Information:
We retain service providers to manage or support our business operations and to provide professional services to aid with various communication and marketing initiatives. These service providers may include, for example, customer support, billing, card processors, debt collectors, marketing and communications, hosting and IT service providers, email service providers, analytics and other similar services. Our service providers are required by contract to ensure Personal Information is kept secure and confidential.
We may participate in marketing initiatives or joint promotions with other financial companies. If this happens, both Cheque Express and the participating company will have access to Personal Information. In such a case, customers may receive promotional material from either party. Each will be responsible for managing their own use of the Personal Information collected for the marketing initiative or joint promotion.
Please see the Cheque Express Personal Identifiable Information (PII) policy for additional information on how Personal Information may be shared.
Other Information is any information other than Personal Information that does not reveal specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, segment information, other information provided by the customer such as date of birth or household income, and aggregated and de-identified data.
We and our third-party service providers may collect and use Other Information in a variety of ways, including:
Through a browser: Certain information is collected by most browsers, such as Media Access Control (MAC) address, device type, screen resolution, operating system version and internet browser type and version. We use this information to ensure the Sites function properly and for security purposes.
Using cookies: Cookies are pieces of information stored directly on the device being used. Cookies we use do not contain or capture unencrypted Personal Information. We and certain of our third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie). Cookies allow us to collect information such as browser type, time spent on a Site, and pages visited and to allow us to identify whether a personal computer, mobile phone or other device has visited a Site. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/customize experience while visiting a Site as well as other websites on which we may advertise, to maintain continuity during an online session, and to recognize the device to allow use of our online products and services. We collect statistical information about the usage of the Sites in order to continually improve their design and functionality, to monitor responses to our advertisements and content, to understand how customers and visitors use the Sites and to assist us with resolving questions regarding the Sites. Please see the Advertising section below for more information on how we utilize cookies for our online advertising purposes. Customers can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. They will need to manage cookie settings for each device and browser. However, if they do not accept these cookies, they may experience some inconvenience in use of the Sites and some online products and services.
Using pixel tags, web beacons, clear GIFs or other technologies: These may be used in connection with some Site pages and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, compile statistics about usage and response rates.
IP Address is a number that is automatically assigned to the device being used by an Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits a Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, for compliance and security purposes and administering the Sites.
Aggregated and De-identified Data is data that we may create or compile from various sources, including data relating to age, gender and interests. This information, which does not identify individual customers, is used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, optimizing the usability of the Sites, and other purposes consistent with applicable laws.
We may share Other Information with service providers with whom we work, such as third-party vendors, data processors and companies that help us market products and services. For example, to protect both Cheque Express and our customers, we may use third-party services to help us determine whether or not to accept transactions from a personal computer, mobile phone, or other device. Using certain technical attributes of the device, a third-party service can check whether a device has been identified with fraudulent or abusive transactions in the past. Upon connection with a Site, we may transmit certain device identifying information to such third party’s server for analysis. We may also report to a third party if we conclude that a device has been used in connection with a fraudulent or abusive transaction with us.
Additionally, when permitted or required by law, we may share Other Information with additional third parties for purposes including response to legal process.
Cheque Express advertises on pages within the Sites as well as on other websites and mobile apps not affiliated with Cheque Express. Information collected by us or our third-party vendors through first-party cookies (such as the Google Analytics cookie) pixels and other technologies includes the number of people who look at each of the pages on the Sites, search engine referrals, browsing patterns within the Sites, and responses to advertisements and promotions on the Sites and on websites where we advertise. Cheque Express has implemented or may implement in the future: Remarketing with Google Analytics, Google Display Network Impression Reporting, the DoubleClick Campaign Manager integration, and Google Analytics Demographics and Interest Reporting.
Cheque Express advertises our products and services on pages within the Sites. These advertisements may take the form of banner ads and other formats. Cheque Express may customize content and advertisements for our products and services on the Sites we own.
Cheque Express contracts with advertising companies to advertise our products and services on websites and mobile apps not affiliated with Cheque Express. We may use Aggregated and De-identified Data and information provided to third-party websites to select which of our advertisements or offers may appeal to the customer, display them to and monitor responses. Third-party websites are not subject to Cheque Express Privacy Policies (including this Notice). Please visit the individual websites for additional information on their data and privacy practices and opt-out policies.
Some of our customized ads are behavioral advertising, and may be served using data collected through first-party cookies (such as the Google Analytics cookie) and third-party cookies, pixels and other technologies by third-party websites. Cookies placed on our behalf by these companies, do not contain or capture Personal Information. We limit companies that place our ads from using information for any purpose other than to assist us in our advertising efforts.
Cheque Express has adopted the use of the Advertising Options Icon on our behavioral ads (excluding ads appearing on platforms that do not accept the icon). Anyone receiving a behavioral ad may click on the displayed icon to receive more information and can opt-out at that time or by visiting the third-party website’s privacy policy for an opt-out mechanism, if any. For example, customers can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads by using the Google Ads Settings. See also, Google Analytics’ currently available opt-outs for the web.
Customers may also opt-out of receiving behavioral ads from many websites through the Network Advertising Initiative’s Opt-Out Tool at www.networkadvertising.org/choices or other tools provided by the publishing platform or through tools provided by the Digital Advertising Alliance at www.aboutads.info/choices.
Because cookies are stored by a customer browser, if various browsers are used on a computer, or multiple computers and devices that have browsers, and a customer does not wish to have cookies collect information for online behavior advertising purposes, they will need to opt out of online behavior advertising from each browser on each of the computers and devices used. Please note that if opt-out, customers may still receive generic online advertising from Cheque Exrepss. Opting out from a specific third-party website means that the ads received will not be based on preferences or behavior.
In order for relationship based or behavioral advertising opt-outs from other sites to work on a device, browsers must be set to accept cookies. If one deletes cookies, acquires a new device, accesses any of the Sites or other sites from a different device, login under a different screen name, or changes web browsers, another opt-out is required. If a browser has scripting disabled, customer does not need to opt-out, as relationship based or online behavioral advertising technology does not work when scripting is disabled. Please check browser’s security settings to validate whether scripting is active or disabled.
Cheque Express Mobile Alerts are text messages sent to mobile devices via Short Message Service (SMS). Users must be opted-in to receive promotional and/or transactional text messages.
What is the cost for the Cheque Express Mobile Alerts service?
There is no charge for Cheque Express Mobile Alerts. However, message and data rates may apply. Check cell phone carrier for text message plan details. Carriers are not liable for delayed or undelivered messages.
How to opt-in to Cheque Express Mobile Alerts?
A store customer may be given the option to receive text messages from Cheque Express when enrolling with Cheque Express. If opt-in to Cheque Express Mobile Alerts in the store, Cheque Express will send a text message to confirm opt-in for transactional messages.
A valid phone number must be provided in order to opt-in to marketing text messages.
Customers who opt-in may receive up to 8 messages per month; frequency of text messages will vary based on the number of transactions conducted and the type of services used.
How to stop receiving Cheque Express Mobile Alerts?
To opt-out of receiving text messages from Cheque Express, text STOP to or have the option to cancel at one of our store locations.
Cheque Express has a mobile tracking store locator service to assist in locating a Cheque Express store. The service may be accessed by telephone or on the applicable Site. When using the service on a mobile device, Cheque Express will request permission to obtain current location in order to provide the customer with a list of the nearest Cheque Express stores.
We may provide links to third-party websites on the Sites. If links are followed to websites not affiliated or controlled by Cheque Express, their privacy and security policies should be reviewed separately, as they may be different from those of Cheque Express Sites. Cheque Express does not guarantee and is not responsible for the privacy or security of these websites, including the accuracy, completeness, or reliability of their information.
Cheque Express provides experiences on social media platforms including, but not limited to, Facebook® and LinkedIn® that enable online sharing and collaboration among users who have registered to use them. Any content posted on official Cheque Express managed social media pages, such as pictures, information, opinions, or any Personal Information that are made available to other participants on these social platforms, is subject to the terms of use and privacy policies of those respective platforms. Please refer to them to better understand one’s rights and obligations with regard to such content.
To protect Personal Information from unauthorized access and use, we use security measures that comply with applicable federal and state laws.
Keeping account information accurate and up to date is critical. If customer account information is incomplete, inaccurate or not current, or if there are questions about our collection and use of data described in this Notice, customer may use the Contact Us option on our website or communicate via email to info@chequeexpress.com
The Sites are not directed to individuals under the age of 13, and we request that these individuals not provide Personal Information through the Sites. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA).
Cheque Express information security and managed by Glotech, a longstanding IT infrastructure and development vendor designated to design, build, test and manage all information, cybersecurity and data.
As part of their responsibilities, Glotech adheres to FTC standards regarding protection of customer information.
This Notice is subject to change. Please review it periodically. If we make changes to this Notice, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Sites. Use of the Sites following these changes means that one accepts the revised Notice.
This policy is available at all times on the Cheque Express website. If customers or affiliated parties have concerns or complaints about this Notice, the collection or use of their information or a possible breach of their privacy , they may send such concern or complaint to info@Chequeexpress.com or to the mailing address below. Concerns and complaints are treated confidentially. Our representative will contact the customer within a reasonable time after receipt of the concern or complaint.
