EPCOR - Electronic Payments Core of Knowledge is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the EPCOR - Electronic Payments Core of Knowledge site and governs data collection and usage. By using the EPCOR - Electronic Payments Core of Knowledge site, you consent to the data practices described in this statement.

Collection of your Personal Information

EPCOR - Electronic Payments Core of Knowledge collects personally identifiable information, such as your email address, name, home or work address or telephone number. EPCOR - Electronic Payments Core of Knowledge also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by EPCOR - Electronic Payments Core of Knowledge. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by EPCOR - Electronic Payments Core of Knowledge for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the EPCOR - Electronic Payments Core of Knowledge site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through EPCOR - Electronic Payments Core of Knowledge public message boards, this information may be collected and used by others. Note: EPCOR - Electronic Payments Core of Knowledge does not read any of your private online communications.

EPCOR - Electronic Payments Core of Knowledge encourages you to review the privacy statements of Web sites you choose to link to from EPCOR - Electronic Payments Core of Knowledge so that you can understand how those Web sites collect, use and share your information. EPCOR - Electronic Payments Core of Knowledge is not responsible for the privacy statements or other content on Web sites outside of the EPCOR - Electronic Payments Core of Knowledge and EPCOR - Electronic Payments Core of Knowledge family of Web sites.

Use of your Personal Information

EPCOR - Electronic Payments Core of Knowledge collects and uses your personal information to operate the EPCOR - Electronic Payments Core of Knowledge Web site and deliver the services you have requested. EPCOR - Electronic Payments Core of Knowledge also uses your personally identifiable information to inform you of other products or services available from EPCOR - Electronic Payments Core of Knowledge and its affiliates. EPCOR - Electronic Payments Core of Knowledge may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

EPCOR - Electronic Payments Core of Knowledge does not sell, rent or lease its customer lists to third parties. EPCOR - Electronic Payments Core of Knowledge may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, EPCOR - Electronic Payments Core of Knowledge may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to EPCOR - Electronic Payments Core of Knowledge, and they are required to maintain the confidentiality of your information.

EPCOR - Electronic Payments Core of Knowledge does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

EPCOR - Electronic Payments Core of Knowledge keeps track of the Web sites and pages our customers visit within EPCOR - Electronic Payments Core of Knowledge, in order to determine what EPCOR - Electronic Payments Core of Knowledge services are the most popular. This data is used to deliver customized content and advertising within EPCOR - Electronic Payments Core of Knowledge to customers whose behavior indicates that they are interested in a particular subject area.

EPCOR - Electronic Payments Core of Knowledge Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on EPCOR - Electronic Payments Core of Knowledge or the site; (b) protect and defend the rights or property of EPCOR - Electronic Payments Core of Knowledge; and, (c) act under exigent circumstances to protect the personal safety of users of EPCOR - Electronic Payments Core of Knowledge, or the public.

Use of Cookies

The EPCOR - Electronic Payments Core of Knowledge Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize EPCOR - Electronic Payments Core of Knowledge pages, or register with EPCOR - Electronic Payments Core of Knowledge site or services, a cookie helps EPCOR - Electronic Payments Core of Knowledge to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same EPCOR - Electronic Payments Core of Knowledge Web site, the information you previously provided can be retrieved, so you can easily use the EPCOR - Electronic Payments Core of Knowledge features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the EPCOR - Electronic Payments Core of Knowledge services or Web sites you visit.

Security of your Personal Information

EPCOR - Electronic Payments Core of Knowledge secures your personal information from unauthorized access, use or disclosure. EPCOR - Electronic Payments Core of Knowledge secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

EPCOR - Electronic Payments Core of Knowledge will occasionally update this Statement of Privacy to reflect company and customer feedback. EPCOR - Electronic Payments Core of Knowledge encourages you to periodically review this Statement to be informed of how EPCOR - Electronic Payments Core of Knowledge is protecting your information.

Contact Information

EPCOR - Electronic Payments Core of Knowledge welcomes your comments regarding this Statement of Privacy. If you believe that EPCOR - Electronic Payments Core of Knowledge has not adhered to this Statement, please contact EPCOR - Electronic Payments Core of Knowledge at [email protected]. We will use commercially reasonable efforts to promptly determine and remedy the problem.