Our customer covenant
We pledge to serve every customer with the highest levels of sincerity, fairness, courtesy, respect and gratitude, delivered with unparalleled responsiveness, expertise, efficiency and accuracy. We are in business to create lasting relationships, and we will treat our customers in a manner that we expect to be treated.

We care about your privacy
The principles outlined in our customer covenant are reinforced in our privacy policy, which is our commitment to keep information about you safe and secure. Our most important asset is our customers' trust. Keeping information about you secure and using it only as you would want us to is a top priority for us.

Here is a brief summary of our privacy policy
(You can view the full policy below.)

1. We have never sold and will never sell information about you to anyone for independent use.
2. We will safeguard any personal information you provide to us, keeping it secure and confidential.
3. We will limit the collection and use of information about you to the minimum required to design and provide you superior products and services.
4. We will permit only authorized team members who are trained in the proper handling of customer information to have access to information about you.
5. In addition to restricting access to information about you, we also maintain physical, electronic and procedural safeguards to keep this information private and secure.
6. We will always maintain control over the confidentiality of information.
7. If support services are provided by an outside organization and access to customer information is required to perform those services, we will require that provider to agree and conform to our privacy requirements.
8. We are available to provide you information concerning the data we collect from you, where we obtain that information, and how we plan to use it.

Our privacy policy
It is important to us that you understand what information we collect about you and how it is used. We want you to know that we limit the collection and disclosure of information only to that which we believe is necessary to serve you and administer our business.

Collecting information
In the process of serving you, we obtain certain "non-public personal information"—information about you that is not available publicly. This information comes to us from a variety of sources, including:

• Information provided directly by you when making inquiries via our Web site or otherwise, which may include your contact information, email address, and domain name.
• Information provided in connection with the use of our applications by you or on your behalf by your bank or its credit card processor, which may include your Social Security Number, date of birth and banking account numbers.
• Information related to transactions that are processed by us in connection with the use of our applications (such as credit card usage, payment history and account balance).
• Information we receive from third parties in order to provide enriched supplemental data concerning transactions processed through our applications.

Use of information
We may disclose all the information that we collect as follows:

• For identification purposes to protect your accounts and guard against unauthorized access.
• As required to perform the services for which the information was provided.
• As permitted or required by law (e.g., responding to subpoenas or similar legal requests, as well as requests from law enforcement agencies or state and federal banking regulators).
• With affiliated or third-party companies involved in the provision of services offered or provided to you.
• Only in accordance with the principles stated in this covenant.

Please note: Third parties may have access to information related to our customers that is obtained independently from us. Mailings or solicitations based on this information are not within our control.

If you have any questions regarding our privacy policies or procedures, please contact ProCard's legal department by calling (303) 279-2255.

This policy is effective as of August 1, 2002 and shall remain in effect unless and until a replacement privacy statement supersedes it. We reserve the right to modify or add to the policy at any time. Any revised policy statements will be posted on this Web site and shall apply to all information collected from that point forward.