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Welcome to Zero
Enterprises, where we help you find the product or service that's right
for you. At Zero Enterprises, we recognize and respect the importance of
your information security and your personal privacy. With your permission,
we use information about you plus information you provide to help find
solutions that meet your needs. By using our Web site and submitting
online information about yourself, you are indicating that you allow us to
use your information as described below.
Our
Privacy Policy
Your
Information Is Safe With Us.
We know that
having trust and confidence in the companies you do business with is
important to you. That's why Zero Enterprises is committed to keeping your personal information accurate, secure, and
confidential. Unless defined otherwise, "information" in this
Privacy Policy means information that specifically identifies you.
To help you
understand our Privacy Policy, here are answers to commonly asked
questions:
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1. |
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What
kind of information about me do you gather? |
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We may gather
information about you from:
- your account applications, application results or other information
that you provide to us or our affiliates, such as your name, address
and other information;
- our experience and our affiliates' experience with how you use and
manage your accounts (such as your balance, credit line, and
transaction and payment history) and how you use other products and
services we offer you;
- our affiliates who are financial lenders that provide us with
information about you from credit bureaus, unless you request that
your information not be shared;
- companies that provide consumer data or analysis as a service or
product.
We may gather
information on your online activity on our Web sites to help us improve
our Web sites or to track your site navigation so that we can understand
your preferences.
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2. |
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How
do you protect my information? |
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To keep
your personal information strictly confidential, we protect it with
physical and electronic safeguards, and we make sure that we abide by
applicable federal security standards (for more information, please scroll
down for Our Security Statement). We regularly review our processes and
keep abreast of new technology. We do not allow anyone to have access to
your personal information unless they sign an agreement not to use or
disclose your information without authorization.
In addition, we require all outside firms and agencies we hire to help
us with any part of our business, including servicing and data processing,
and all companies with which we enter into joint marketing agreements, to
maintain the confidentiality of your information in accordance with this
Privacy Policy and to comply with all applicable laws.
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3. |
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How
do you ensure that my information is accurate? |
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We want
your information and information about you that we receive from credit
reporting agencies and other outside sources to be accurate and
up-to-date. We follow reasonable commercial standards to maintain your
information accurately. If you notify us of inaccurate information or
outdated information, we will investigate and make any necessary
corrections. |
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4. |
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Do
you sell my information? |
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No. We do
not permit list brokers, mail-order businesses, telemarketers, or other
marketing firms to contact you to promote their services or products, and
we do not sell, lend, or give out your information for this purpose. If
you are a former customer, we maintain the confidentiality of your
personal information as if you were still a customer. |
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5. |
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Do
you share my information with your affiliates? |
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Yes. Zero
Enterprises will share the information you submit in your online
application for a credit card account with the affiliated National Bank,
the card issuer, so it can make a credit decision on your application.
Also, Zero Enterprises and its affiliates may use your information to
offer you other products and services.
If your
application is approved and you receive an account, your account
information at the National Bank will be subject to the National Bank
Privacy Policy. Under federal law, the National Bank, the card issuer,
may share with Zero Enterprises and other affiliates your credit card
account and transaction information. Sharing information in this way
enables Zero Enterprises and the National Bank to serve you better and
offer you interesting products and services.
Zero Enterprises
may share with the National Bank and other affiliates information
gathered from you during your visits to any of our Web sites so our
family of companies can understand your needs and preferences and try to
tailor our offers of goods and services accordingly. If you do not want
us to share your information for these purposes, you should not submit
your information on any of our websites.
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6. |
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Do
you share my information with non-affiliated companies?
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Yes, but only as
follows and only under confidential conditions:
When you provide
your information to Zero Enterprises to search for a product or service
through our lender network and marketplace, you are consenting to our
sharing it with lenders in our network or other providers of goods and
services in our marketplace. They will use it to process your specific
loan inquiry or application, offer you products and services that may be
appealing to you, evaluate your eligibility, or complete your loan or
other transaction. Once your information is submitted to them, it is
subject to those lenders' or providers' privacy policies; you should read
those policies to understand how those firms handle your information. If
you do not want us to share your information in this way, please do not
submit a search request to us because we may not be able to conduct a
search while withholding your information from these non-affiliated
companies.
We may share the
types of information described in #1 above in certain circumstances
permitted by law such as:
- We may share your information with companies that we hire to perform
necessary account-servicing functions at our direction to manage and
maintain your account.
- We may use certain non-affiliated companies to perform services on
our behalf and at our direction to help us communicate with you, or to
help us offer or provide you with products or services in connection
with your account.
- We may share your information with a company with which we have a
joint-marketing agreement to offer you a product or service, but only
after you give us permission to do so, or after you enroll for the
product or service.
- We may report your information to government regulators, law
enforcement agencies, companies like credit bureaus, in connection
with a fraud investigation, or in response to a subpoena or legal
process.
- We may share your information in connection with a proposed or
actual sale, securitization, transfer, merger, or exchange of all or a
portion of our business.
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have written agreements with the companies described above that require
them to keep your information safe and confidential and to use it only for
the purposes we specify. Please note that you cannot instruct us not to
share information for the five purposes noted above. This
information-sharing is essential for account maintenance and servicing. |
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Privacy Policy and our practices are subject to change. As significant
changes occur, we will update this policy, and we will let you know about
them. |
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| Our
Security Statement
If you are
transacting business with us over the internet, we ensure the security of
your information by:
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participating
in the VeriSign program, which certifies all of our secure servers; |
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using
Secure Sockets Layer (SSL) encryption technology to transmit confidential
information between your browser and the Zero Enterprises web servers;
and |
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keeping
our databases and our web servers operating separately, and protected by
an electronic and physical firewall. |
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To use our Web sites
securely, you'll need an SSL-capable browser such as MS Internet Explorer
5.0 (or higher) or Netscape Navigator 4.7 (or higher). Performance with
WebTV cannot be guaranteed.
As of January 1,
2000, Netscape Communicator version 4.05 or earlier no longer supports SSL
(it includes a root CA certificate that expired on December 31st, 1999).
Please go to the address below to download Netscape Communicator 4.7 so
you can proceed with a secure connection.
To
download the latest version of MS Internet Explorer, please go to
http://www.microsoft.com/downloads
To download the latest version of Netscape Communicator, please go to
http://www.netscape.com/computing/download/index.html
Tips
for Safe Shopping
We guarantee that if
a breach of security occurs, you will not be held responsible for charges
to your credit card that you did not make. We also offer these tips:
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Use a
browser with 128-bit encryption (40-bit encryption secures your
information, but 128-bit provides more security). |
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Don't
walk away from your computer when in communication with our servers. |
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Safeguard
your passwords and PIN or other identifying numbers and do not share them
with others. |
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Keep
personal information such as your mother's maiden name and identifying
numbers (including your social security, driver's license, passport, and
credit card numbers) in a safe and secure place. Do NOT share this
information unless you know the purpose for which it will be used. |
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Before
anyone else uses your computer, clear your cache or restart your browser
(this eliminates copies of web pages that have been stored in your hard
drive). The preference menu on your browser can tell you how to clear your
cache. |
