[conspire] Paying your con-ed bill now requires child sacrifice

[Ruben Safir]

You just can't pay your electic bill any more.  You either need to let
them into your bank account so they can take money when ever the mood
comes to them, or you have to sell out your privacy and rights (and be
charged 3.00).  They will not take a standard check through the mail
either.  They convert those to ACH...  I always end up running to
downtown Brooklyn and paying cash... which of course, is presently not
possible.



Terms & Conditions
INTRODUCTION:

This document is to provide you information about the online bill
payment system offered to you on behalf of your Biller (the “Service”)
and the associated website (the “Site”). These terms and conditions set
forth a legally binding agreement governing your use of the Site and the
Service (“Agreement”) and outline important conditions that apply to
your use of the Site and the Service. By utilizing the Service,
permitting any person to do so on your behalf, or utilizing the Service
on someone else’s behalf, you agree to these terms and conditions. If
you do not agree to these terms and conditions, you must discontinue
your access to the Site and not utilize the Service.


DEFINITIONS:

"Authorized User" is any individual which you allow to use the Service
or access to your Funding Account.

"Auto Pay Payment" is a recurring Payment made by you on the Due Date
for the amount shown on the Billing Statement.

"Biller" is the entity to which you instruct us to make a Payment on
your behalf.

"Biller Account" means the account you have directly with the Biller
related to the goods and / or services provided to you by the Biller.

"Billing Statement" is the statement typically sent by Biller to you
indicating, among other things, how much you owe for the provision of
goods and / or services and the Due Date.

"Business Day" is every Monday through Friday, excluding Federal Reserve
holidays.

"Due Date" is the date reflected on your Billing Statement when your
payment is due; it is not the late payment date or inclusive of a grace
period.

"Funding Account" is the checking account, savings account, or debit
card account, held at FDIC or equivalent insured United States
depository institutions, or credit card account from which Payments and
fees, if any, will be debited and to which credits to you will be credited.

"Payment" is a payment transaction initiated by you through the Service.

"Payment Date" is the calendar day you elect for the Biller to receive
the Payment, and is also the day your Funding Account will be debited;
provided that if the calendar day you elect falls on a non-Business Day,
or after the daily cutoff time for the Service, the actual Payment Date
and the actual date your Funding Account will be debited will be the
immediately following Business Day. This date can be current or in the
future.

"Payment Instruction" is the information provided by you (such as, but
not limited to, Biller name, Biller Account number, and Payment Date)
for a Payment to be made through the Service.

"Payment Wallet" is the Funding Account information you save (if any)
for use in making future Payments.

"Recurring Payment" is a Payment made each calendar month on the date
designated by you in an amount designated by you.

"Scheduled Payment" is a Payment that has been scheduled for a future
date, but which has not yet begun processing.

"We," "us," and "our" refers to Biller and its third-party service
providers.

"You" and "your" refer to the individual that is utilizing the Service.


ELIGIBILITY

The Site and the Service are offered only to individuals who can form
legally binding contracts under applicable law and, with respect to
Payments made using checking, savings, or debit cards, use bank accounts
held at FDIC or equivalent insured United States depository
institutions. Without limiting the foregoing, the Service is not offered
to minors. Commercial entities, including without limitation commercial
payment aggregators, may not use the Site or Service, with the exception
that an authorized representative of a commercial entity who holds a
Biller Account may use the Site or Service to initiate a Payment to such
commercial entity’s own Biller Account. By using the Service, you
represent that you meet these requirements and that you agree to be
bound by this Agreement. You agree to indemnify and hold us harmless for
all costs and fees (including without limitation interchange fees and
merchant fees) arising out of your violation of this Section.


PAYMENT AUTHORIZATION, PAYMENT REMITTANCE AND FEES:

You authorize us to follow the Payment Instructions received from you.
When we receive a Payment Instruction from you, you authorize us to
debit or charge your Funding Account for the amount of any Payment plus
any related fees in effect at the time you initiate the Payment
Instruction, and to remit funds on your behalf. YOU ACKNOWLEDGE AND
AGREE THAT A FEE MAY BE CHARGED TO YOU TO PROCESS PAYMENTS PURSUANT TO
THIS AGREEMENT. ANY SUCH FEES WILL BE DISPLAYED TO YOU PRIOR TO
FINALIZING THE PAYMENT INSTRUCTION. YOU HEREBY AGREE TO PAY ANY SUCH
APPLICABLE FEES WHICH MAY BE CHARGED REGARDLESS OF WHETHER THE PAYMENT
INSTRUCTION IS COMPLETED. You also authorize us to credit your Funding
Account, in the event that any Payments are returned to us because the
processing of the Payment Instruction could not be completed. In order
to process Payments more efficiently and effectively, we may edit or
alter payment data or data formats. You certify that any Funding Account
you add to your profile or otherwise utilize in connection with the
Service is an account from which you are authorized to make payments,
and any Payment you make using the Service will debit/charge a Funding
Account that you are legally authorized to use. We will use reasonable
efforts to complete your Payments properly. However, we shall incur no
liability if the Service is unable to complete any Payments initiated by
you because of the existence of any one or more of the following
circumstances or other reasons identified in this Agreement:

1. If your Funding Account does not contain sufficient funds to complete
the transaction or the transaction would exceed the credit limit of your
overdraft account;

2. If our payment processing center is not working properly and you know
or have been advised about the malfunction before you execute the
transaction;

3. If you have not provided us with the correct Funding Account
information, or other required information;

4. If your debit/credit card is expired;

5. If circumstances beyond our control (such as, but not limited to,
fire, flood, or other acts of God, third party systems, or interference
from an outside force) prevent the proper execution of the transaction;
and/ or

6. If you failed to follow our instructions for the use of the Service.

Provided none of the foregoing exceptions are applicable, if we cause an
incorrect amount of funds to be removed from your Funding Account or
cause funds from your Funding Account to be directed in a manner that
does not comply with your Payment Instructions, our sole responsibility
to you shall be to return the improperly transferred funds to your
Funding Account or to direct any previously misdirected Payments to the
Biller.

You are responsible for ensuring that there are sufficient funds
available in your Funding Account to cover any amount you authorize for
payment. If you do not have sufficient funds in your Funding Account,
your Payment may not be processed. Your Payment may not be processed
after a credit or debit card’s expiration date, if it is not updated by
you prior to such date, unless we are able to obtain updated information
from your card issuer. You authorize us to receive such updated credit
or debit card information where available.

In the event your Payment is not processed for any reason, including the
failure to obtain an authorization from your card issuer or financial
institution, or you have not provided us with the correct information,
your liability shall remain outstanding and unpaid and you will be
subject to all applicable penalties, late fees and interest charges
assessed thereon, all of which obligations remain your sole responsibility.

Any fees associated with your Funding Account, including without
limitation any assessed by your financial institution or credit card
issuer, will continue to apply. You are also responsible for any and all
telephone access fees and/or Internet service fees that may be assessed
by your telephone and/or Internet service provider in connection with
your utilization of the Service.


OVERPAYMENT ADJUSTMENT:

You agree that you shall not intentionally schedule a Payment in excess
of the greater of (i) the amount due on the Billing Statement or (ii)
the total balance owed on your account. You acknowledge that we may
refuse to process any such overpayment or, we may adjust the Payment
amount down to the amount due at time of payment processing as to avoid
overpayments.


PAYMENT CANCELLATION REQUESTS:

You may be permitted to cancel or edit a Payment until such time as the
processing of the Payment Instruction has begun. If permitted, there is
no charge for canceling or editing a Payment prior to the processing of
the Payment Instruction.


RETURNED PAYMENTS:

In using the Service, you understand that payments may be returned for
various reasons, such as, but not limited to, the Biller Account number
is not valid; we are unable to locate your Biller Account; or your
Biller Account is paid in full. We will use reasonable efforts to
research and correct the returned payment, or void the payment and
credit your Funding Account. You may receive notification regarding any
such returned payments. You may be assessed fees by us or your financial
institution as the result of any returns or insufficient funds related
to your Funding Account, or charges refused by a card network.


PAYMENT WALLET

The Payment Wallet allows you to save your Funding Account for use in
making future Payments. If you elect to use Payment Wallet, the
following terms apply:

1. Adding Funding Accounts You authorize the addition of Funding
Accounts to your profile when received from you. The first Funding
Account that you add to your profile shall be your “Default Funding
Account,” unless you later designate a different Funding Account as your
Default Funding Account. If your identity cannot be verified
satisfactorily, the Service may not allow you to add a specific type of
Funding Account to your profile.

2. Funding Account Number and Expiration Date Changes It is your sole
responsibility and you agree to ensure that the information maintained
in your Payment Wallet is and remains accurate. If your Funding Account
number changes or your credit or debit card expiration date changes, you
agree to make updates to your Payment Wallet. You also authorize us to
acquire such new or additional information regarding your accounts from
our financial services partners and authorize the update of your Funding
Account information accordingly. All changes made by you or acquired by
us will be effective for future Payments paid using the Payment Wallet.


AUTO PAY PAYMENTS, RECURRING PAYMENTS, AND SCHEDULED PAYMENTS

You may have the option of enrolling for Auto Pay Payments or Recurring
Payments. If you choose to enroll for either Auto Pay Payments or
Recurring Payments, or if you initiate a Scheduled Payment, an email
confirmation will be sent to you confirming that your enrollment or
Payment Instruction has been received and whether it has been accepted.
Please note the following:

1. Payments must be made by the Due Date or you may be assessed a late fee.

2. We will deduct (i) for Auto Pay Payments, the amount due on the Due
Date and (ii) for Recurring Payments and Scheduled Payments, the amount
designated by you on the date you selected.

3. While enrolled in either Auto Pay Payments or Recurring Payments, you
may receive email confirmations of Payments charged to or debited
against your Funding Account. It is your responsibility to update your
email address in your profile with your current email address. We will
not be responsible for email confirmations that are not received as a
result of delivery failures. (e.g., spam blockers or incorrect email
address).

4. It is your sole responsibility to ensure that all Funding Account
information is accurate, legitimate, and up-to-date in order to ensure
proper authorization of your Payment. We will not be responsible for any
payment processing errors or fees incurred if you fail to provide
accurate Funding Account information.

5. You may terminate your participation in Auto Pay Payments and
Recurring Payments online, in writing, or by calling Biller’s customer
service department. It may take up to thirty (30) days to process
termination requests.


COMMUNICATIONS TO YOU; ADDRESS OR BANKING CHANGES.

By providing us with a telephone number (including a mobile telephone
number) and/or email address, you consent to receiving calls and/or text
messages at that number, and/or emails from us for our everyday business
purposes (including identity verification). You authorize us to send or
provide by electronic communication any notice, communication, amendment
or replacement to the Agreement, payment receipt, or disclosure required
to be provided orally or in writing to you. You agree to receive any
electronic communication provided to you and will not attempt to avoid
receiving any such communication. You are deemed to have received any
electronic communication provided to you when they are made available to
you. By providing us with a telephone number (including a mobile
number), you consent to receiving autodialed and prerecorded message
calls at that number for Service-related purposes. For example, we may
contact you in connection with validating or processing a transaction
that you’ve requested through the Service. You agree that we may provide
notices to you by posting them on the Site, sending them to you through
an in-product message within the Service, emailing them to an email
address that you have provided, sending them via text message to any
mobile number that you have provided, or by mailing them to any postal
address that you have provided. For example, users of the Service may
receive certain notices (such as notice of payments and alerts for
validation and receipt of transfers of funds) as text messages on their
mobile device. All notices by any of these methods shall be deemed
received by you no later than twenty-four (24) hours after they are sent
or posted, except for notice by postal mail, which shall be deemed
received by you no later than three (3) Business Days after it is
mailed. It is your sole responsibility to ensure that your contact
information is accurate in the Service. We will not be responsible for
communications that are not received by you as a result of delivery
failures (e.g., spam blockers, incorrect email address or physical
address, or incorrect mobile phone number).

Data and messaging charges from your telecommunications provider may
apply, and you are responsible for any such charges. In the event your
enrolled mobile device is lost or stolen, you agree to update your
enrollment information and make the appropriate changes to disable the
use of such device.


SECURITY

You agree not to give or make available your access or access
credentials to the Service to any unauthorized individuals. You are
responsible for all Payments you authorize using the Service or that are
made using your access credentials. If you permit Authorized Users or
other persons to use the Service, you are responsible for any
transactions they authorize. If you believe that your access or access
credentials to the Service has been lost, stolen, or otherwise
compromised or that someone has transferred or attempted to transfer
money without your permission, you must notify customer care at once. If
you believe there have been any unauthorized transfers related to your
Funding Account, you should notify Biller customer care department and
/or your financial institution at once. See "Your Liability for
Unauthorized Transfers."


INFORMATION AUTHORIZATION

You agree that the information you provide to facilitate a Payment,
including your Funding Account information, may go through a
verification process. You further agree that we may obtain financial
information regarding your Funding Account from your financial
institution (for example, to resolve payment posting problems, set
transaction limits or for verification purposes).


ALTERATIONS AND AMENDMENTS

This Agreement, applicable fees and service charges may be altered or
amended from time to time by posting a revised version on the Site or
providing a revised version to you by other means. You may be required
to affirmatively accept the revised Agreement in order to continue using
the Service. Regardless of whether you are so required, any use of the
Service after a notice of change or after the posting of a revised
version of this Agreement on the Site will constitute your agreement to
such changes and revised versions. The revised version will be effective
at the time it is posted or otherwise provided to you unless a delayed
effective date is expressly stated in the revision. Further, we may,
from time to time, revise or update the Service applications, services,
and/or related material, which may render all such prior versions
obsolete. Consequently, we reserve the right to terminate this Agreement
as to all such prior versions of the applications, services, and/or
related material and limit access to only the Service's more recent
revisions and updates. You authorize us to send or provide by electronic
communication any notice, communication, amendment or replacement to the
Agreement, or disclosure required to be provided orally or in writing to
you. Your use of the Service may be terminated or suspended at any time
for any reason or no reason. Neither termination nor suspension shall
affect your liability or obligations under this Agreement.


PAYMENT DISPUTES

If you dispute a Payment made from a Funding Account, you acknowledge
that such dispute (including, but not limited to, chargeback or fraud)
must be taken up with your issuing debit/credit card provider or
financial institution. We are not responsible for any research or
resolution of such payment disputes.


ARBITRATION:

For any claim (excluding claims for injunctive or other equitable
relief) arising out of or relating to this Agreement, the parties must
resolve the dispute in a cost effective manner through binding
non-appearance-based arbitration. The party commencing arbitration will
initiate such arbitration through the American Arbitration Association
("AAA") or an established alternative dispute resolution (ADR)
administrator mutually agreed upon by the parties. The parties agree
that the following rules shall apply: (a) the arbitration may be
conducted telephonically, online and/or be solely based on written
submissions, at the election of the party initiating the arbitration;
(b) the arbitration shall not involve any personal appearance by the
parties, their representatives or witnesses unless otherwise mutually
agreed by the parties; (c) discovery shall not be permitted; (d) the
matter shall be submitted for decision within ninety (90) days of
initiation of arbitration, unless otherwise agreed by the parties, and
the arbitrator must render a decision within thirty (30) days of
submission; and (e) any award in such arbitration shall be final and
binding upon the parties and may be submitted to any court of competent
jurisdiction for confirmation. The parties acknowledge that remedies
available under federal, state and local laws remain available through
arbitration.
NO CLASS ACTION, OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY
GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF
ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION.

Notwithstanding this Arbitration section, in the event you are a
commercial or corporate entity, including without limitation a
commercial payment aggregator, we reserve the right to bring a claim
against you outside of arbitration and in any forum.

GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the
laws of the State of New York, without regard to its conflicts of laws
provisions. To the extent that the terms of this Agreement conflict with
applicable state or federal law, such state or federal law shall replace
such conflicting terms only to the extent required by law. In the event
of such replacement, all other terms of this Agreement shall remain in
full force and effect. The United Nations Convention on Contracts for
the International Sale of Goods shall not apply to this Agreement. Both
parties agree to waive any right to have a jury participate in the
resolution of any dispute or claim between the parties or any of their
respective affiliates arising under this Agreement, which instead shall
be brought under the Arbitration clause set forth above.


EXCLUSIONS OF WARRANTIES / LIMITATION OF LIABILITY

In no event shall we or our services providers be responsible or liable
for the timeliness, deletion, mis-delivery, or failure to store any user
communications or personalized settings; any viruses which may affect
your computer equipment or other property on account of your access to,
use of, or downloading from the Site or Service; or any third party’s
inability or refusal to authorize a Payment or any other acts or
omissions of third parties not controlled by us.

THE SITE AND SERVICE AND RELATED DOCUMENTATION ARE PROVIDED “AS IS”
WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING,
BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WITHOUT LIMITING
THE GENERALITY OF THE FOREGOING, WE DO NOT GUARANTEE CONTINUOUS,
UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SITE OR SERVICE, AND
OPERATION OF THE SITE OR SERVICE MAY BE INTERFERED WITH BY NUMEROUS
FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER
OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT
APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY
ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.

IN NO EVENT SHALL WE OR OUR SERVICE PROVIDERS (OR EITHER OF OUR
RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES OR STOCKHOLDERS)
BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE SITE
OR THE SERVICE OR OTHERWISE RELATING TO THIS AGREEMENT, INCLUDING
WITHOUT LIMITATION ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL,
CONSEQUENTIAL, PUNITIVE, EXEMPLARY, OR TORT DAMAGES OR LOST PROFITS
(EVEN IF ADVISED OF THE POSSIBILITY THEREOF), REGARDLESS OF WHETHER SUCH
CLAIM ARISES IN TORT, CONTRACT, OR OTHERWISE.


INDEMNIFICATION

You agree to indemnify and hold harmless us and our affiliates,
suppliers, service providers, licensors and contractors, and the
officers, directors, owners, agents, employees and contractors of each
of these, from and against any and all loss, damage, liability, claim,
demand, fees, costs, and expenses (including attorney’s fees) arising
out of your breach of this Agreement and/or your access to or use of the
Site or the Service.

INTELLECTUAL PROPERTY

All marks and logos related to the Site and the Service are either
trademarks or registered trademarks of the Biller or its service
providers, or their respective affiliates or licensors. You may not
copy, modify, translate, decompile, reverse engineer, reproduce, adapt
or disassemble the Site or the Service, both of which are the sole
property of the Biller’s service provider or the Biller’s service
provider’s affiliates or their respective licensors. With the exception
of your right to use the Site and Service in accordance with the terms
hereof, which right may be revoked by us, you are not granted any rights
of any kind in the Site, Service, marks, or logos, and we hereby reserve
all such rights. The content accessed through the Site is the property
of the applicable content owner and may be protected by applicable
copyright or other law. Any downloading of material contained on the
Site, or on any site linked to the Site, may be a violation of federal
trademark or copyright laws.

ASSIGNMENT

You may not assign or transfer any rights or obligations you have under
this Agreement to any other party without our prior written consent,
which we may withhold in our sole discretion. We reserve the right to
assign this Agreement or any right or obligation under this Agreement at
any time to any party. We may also assign or delegate certain of our
rights and responsibilities under this Agreement to affiliates,
independent contractors, or other third parties.


NO WAIVER

We shall not be deemed to have waived any of our rights or remedies
hereunder unless such waiver is in writing and signed by one of our
authorized representatives. No delay or omission on our part in
exercising any rights or remedies shall operate as a waiver of such
rights or remedies or any other rights or remedies. A waiver on any one
occasion shall not be construed as a bar or waiver of any rights or
remedies on future occasions.


CAPTIONS

The captions of sections hereof are for convenience only and shall not
control or affect the meaning or construction of any of the provisions
of this Agreement.


ERRORS, QUESTIONS AND COMPLAINTS

In case of errors or questions about your transactions or Billing
Statements, you should contact Biller customer care as soon as possible.


ENTIRE AGREEMENT

You agree that this Agreement (including without limitation the Privacy
Policy set forth below) is the complete and exclusive statement of the
agreement between you and us, and it supersedes any proposal or prior
agreement, oral or written, and any other communications between you and
us relating to the subject matter of this Agreement.


Privacy Notice
INTRODUCTION:

This Privacy Policy describes the types of "Personal Information"
(information that is identifiable to a particular person) that is
collected by BillMatrix Corporation as a service provider to your Biller
(directly or through its service providers) in connection with the Site
and the Service as defined in the “Terms and Conditions for Service”
above, and how that Personal Information is used, shared and protected.
Some of this information is required by U.S. federal or other law.


ELIGIBILITY:

The eligibility requirements for the Site and the Service are set forth
above in the Eligibility section of the main body of the Agreement. We
do not knowingly collect any Personal Information from or about
individuals under 18 years of age. Please do not submit such information
to us, and as a parent or legal guardian, please do not allow your
children to submit personal information without your permission. By
using the Site and/or the Service, you represent that you agree to the
terms of this Privacy Policy.

COOKIES, BROWSER INFORMATION AND RELATED ISSUES:

When you visit the Site, we may receive certain standard information
that your browser sends to every website you visit, such as the
originating IP address, browser type and language, access times and
referring website addresses, and other such information. This data may
be used, among other uses, to improve the operation of the Site and to
improve the security of the Site and Service by assisting in
"authenticating" who you are when you access the Site or Service.
We may also receive additional information about your visit to the Site,
including the pages you view, the links you click and other actions you
take in connection with the Site and the Services. This data may be
used, among other uses, to improve the operation of the Site and the
Service.

Like most websites, the Site also uses "cookies," which are small data
files placed on your computer or other device by the web server when you
visit the Site. Such cookies are "session" cookies that are only used
for a specific period during which you are on the Site (such as when you
are going through the authentication process). The Site does not use
“persistent” cookies (that stay on your computer after you have logged
off the Site). Cookies cannot and will not be used to deliver or run
programs on your computer. Most web browsers automatically accept
cookies, but you can modify your browser settings to decline cookies if
you prefer. However, if you choose to decline cookies, you may not be
able to sign in or use other interactive features of the Site that
depend on cookies.

With respect to personally identifiable information about an individual
consumer's online activities over time and across different Web sites or
online services when a consumer uses this Site, except as required by
law: (1) parties other than the operator of this Site are not permitted
to collect such information, and (2) the operator of this Site does not
collect such information (except any such information that is reasonably
necessary to process and document user transactions, such as payment
history). Therefore, this Site has no need to respond and does not
respond to Web browser "do not track" signals or other mechanisms that
provide consumers the ability to exercise choice regarding the
collection of such information.



WHAT TYPES OF PERSONAL INFORMATION WE MAY COLLECT.

In addition to the types of information described in the "Cookies "
section of this Policy, we may also collect Personal Information about
you. This information may include:

- Date of birth, name, postal address, e-mail address, telephone number,
and other information that we can use to contact you, verify your
identity, and manage risks, such as information maintained about you by
identity verification services and consumer reporting agencies,
including credit bureaus;

- Bank account information for accounts that you designate for sending
payments, fees, debits and credits for the Service, including any
required routing information, account numbers, account balances and
transaction history;

- Billing account information, including billing account numbers which
may be used to verify that only authorized users access the Services;

- Payment and other transaction information, and history for payments
through the Service; and

- Any Personal Information that you may enter on the Site.



HOW WE MAY COLLECT PERSONAL INFORMATION ABOUT YOU:

We may collect Personal Information about you from the following sources:

Your use of the Site and the Service (such as when you send a payment),
and your interactions with customer care, including information you
enter or speak, and information transmitted by your computer, cell
phones and other devices you use to connect to or use the Site or
Service; and

We also collect Personal Information about you from others, such as
Biller, credit bureaus, Affiliates, or other companies (such as identity
verification services, consumer reporting agencies, and companies that
provide content, such as electronic bills, to the Site, or that use the
Service).



HOW WE MAY SHARE PERSONAL INFORMATION ABOUT YOU:

We share Personal Information about you only as permitted by law. For
Personal Information that is nonpublic and that we collect in connection
with a financial service, U.S. federal law permits us to share such
information only for the purposes shown in the following table:

Reasons we can share your Personal Information	Do we share?	Can you
limit this sharing?
For our everyday business purposes - such as to enable us and Biller to
process your transactions, maintain your accounts, respond to court
orders and legal investigations, and report to credit bureaus;	Yes	No
For our marketing purposes - to offer our products and services to you;
Yes	No
For Joint Marketing with other financial companies;	No	No
For our Affiliates' everyday business purposes (information about your
transactions and experiences);	Yes	No
For our Affiliates' everyday business purposes (information about your
creditworthiness);	No	We Do Not Share
For our Affiliates to market to you;	No	We Do Not Share
For Non-Affiliates to market to you	No	We Do Not Share

HOW WE MAY USE PERSONAL INFORMATION ABOUT YOU:

We use Personal Information about you only as permitted by law,
including but not limited to:

Other everyday business purposes, such as to maintain your ability to
access the Service, to authenticate you when you access the Site or
Service to enable Biller to authenticate you when you pay your Billing
Statement, to send you information about the Service, to effect,
administer and enforce transactions, to perform (and to enable Biller to
perform) Anti-Money Laundering and fraud monitoring and screening, to
prevent and investigate actual or potential fraud and unauthorized
transactions, to verify your identity, to determine your credit history,
to verify the information contained in your account, to perform
collections, to report to credit bureaus (including furnishing
delinquent account information), to comply with laws, regulations, court
orders and lawful instructions from government agencies, to protect the
personal safety of subscribers or the public, to prevent and defend
claims, to resolve disputes, to troubleshoot problems, to enforce our
Terms and Conditions for Service, to protect our rights and property,
and to customize, measure, and improve the Services and the content and
layout of the Site including pattern recognition, modeling, enhancement
and improvement, system analysis, and Service performance analysis.


OTHER IMPORTANT INFORMATION:

Vermont: Under Vermont law, we will not share information we collect
about Vermont residents with companies outside of our Affiliates, unless
the law allows. We will not share information about your
creditworthiness with our Affiliates except with your consent, but we
may share information about our transactions or experiences with you
with our Affiliates without your consent.

California: Under California law, we will not share information we
collect about you with Non-Affiliates, unless the law allows. For
example, we may share information with your consent, to service your
accounts, or to provide rewards or benefits you are entitled to. We will
limit sharing among our Affiliates to the extent required by California law.


DEFINITIONS:

Affiliates: Companies related by common ownership or control.

Non-Affiliates: Companies not related by common ownership or control.
They can be financial or nonfinancial companies.

Joint Marketing: A formal agreement between nonaffiliated financial
companies that together market financial products or services to you.


HOW WE PROTECT PERSONAL INFORMATION ABOUT YOU:

To protect Personal Information about you from unauthorized access and
use, we maintain physical, electronic, and procedural safeguards,
including but not limited to security measures that comply with
applicable federal and state laws. We also require our service providers
and business partners to whom we disclose the information to do the same.


PROTECTION FOR FORMER CUSTOMERS:

When you are no longer our customer or using the Site or Service, we
continue to protect, use and share Personal Information about you as
described in this notice and as required by law, including but not
limited to for risk management, regulatory compliance, and audit purposes.


AMENDMENTS:

We may amend this policy at any time by posting a revised version on the
Site. The revised version will be effective immediately at the time it
is posted unless a delayed effective date is expressly stated therein.
You may (in our discretion) also be provided with an email notification
of such amendments. You may (in our discretion) be required to
affirmatively acknowledge or accept the revised Privacy Policy in order
to continue using the Site or Service. Any use of the Service after a
notice of change (whether by Site posting, email, or express
acknowledgment or acceptance) will constitute your express agreement to
such changes.


CONTACTING US:

If you have any questions about this Privacy Policy, you may contact us
at the postal address or email address below:

In writing: BillMatrix Corporation ATTN: Privacy Management
2900 Westside Parkway
Alpharetta, GA 30004

E-mail:privacy at customercenter.net
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-- 
So many immigrant groups have swept through our town
that Brooklyn, like Atlantis, reaches mythological
proportions in the mind of the world - RI Safir 1998
http://www.mrbrklyn.com
DRM is THEFT - We are the STAKEHOLDERS - RI Safir 2002

http://www.nylxs.com - Leadership Development in Free Software
http://www.brooklyn-living.com

Being so tracked is for FARM ANIMALS and extermination camps,
but incompatible with living as a free human being. -RI Safir 2013