Solar Sipper
Privacy Policy
Privacy Policy for U.S. Consumers 2010
Our privacy commitment to you.
- Protect Customer Information
- Inform on use of Customer Information
- Offer choices on the use of Customer Information and honor your choices
- Collect, use and process Customer Information respectfully and lawfully
This document includes the following information about how Solar Sipper manages Customer Information and what actions you can take:
This document includes information about:
- Making the security of information a priority
- Collecting information about you
- Managing information about you
- Honoring your choices
- Actions you can take
- Steps to protect information about you
- Other privacy commitments
This policy covers Customer Information, which means personally identifiable information about a consumer or a consumer's current or former customer relationship with Solar Sipper. The Solar Sipper Privacy Policy for U.S. Consumers 2010 is provided to you as required by law. This policy applies to consumer customer relationships established in the United States and is effective January 1, 2010.
1. Making the security of information a priority
Keeping customer information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect Customer Information. Appropriate employees are authorized to access Customer Information for business purposes only. Our employees are bound by a code of ethics that requires confidential treatment of Customer Information and are subject to disciplinary action if they fail to follow this code.
2. Collecting information about you
We collect and use various types of information about you and your accounts to service your accounts, save you time and money, better respond to your needs, assist us in keeping information up to date, and manage our business and risks. Customer Information is categorized in the following six ways:
A. Identification Information — information that identifies you, such as name, address, e-mail address, and telephone number.
B. Application Information — information you provide to us on applications and through other means that will help us determine if you are eligible for products you request.
C. Transaction and Experience Information — information about transactions, as well as information about our communications with you. Examples include monthly utility bills, payment history, account usage and your inquiries and our responses.
3. Managing information about you
Managing information within Solar Sipper
Solar Sippper is made up of a number of companies, including our web development company, sales, brokerage, and non-financial companies, such as our operations and servicing subsidiaries.
Solar Sipper may share any of the categories of Customer Information among our companies, as permitted by law. For example, sharing information allows us to use information about your transactions to identify any unusual activity and then contact you to determine if there are any problems.
Managing information with companies that work for us
We may share any of the categories of Customer Information with companies that work for us. All nonaffiliated companies that act on our behalf and receive Customer Information from us are contractually obligated to keep the information we provide to them confidential, and to use the Customer Information we share only to provide the services we ask them to perform.
In addition, we may share any of the categories of Customer Information with companies that work for us in order to provide marketing support and other services, such as a service provider that distributes marketing materials. These companies may help us to market our own products and services or other products and services that we believe may be of interest to you. Please note that some of our own companies may provide marketing support and other services for us as well.
Sharing information with third parties
We may share Identification Information, Transaction and Experience Information, as well as Other General Information we collect from customers, with selected third parties.
1. Account information, whether co-branded or not, may be shared with third parties.
2. Account information may be shared with third parties. Examples of these organizations include colleges, sporting teams, contractors, retailers and other affinity organizations, such as charities.
We may share information about Accounts with selected third parties, including:
* Retailers, contractors, travel companies and membership organizations; and
* Other companies (such as nonprofit organizations).
The sharing of information, as described in this section, is limited to Account information. Please see Section 4, Honoring your choices, to learn more about your opt-out choices.
Disclosing information in other situations
We also may disclose any of the categories of Customer Information to the following third parties:
* To government agencies, self-regulatory organizations, and regulatory law enforcement authorities as necessary or required; and
* As part of the sale, merger or similar change of a Solar Sipper business; and
* To other nonaffiliated third parties as requested by you or your authorized representative, or when required or permitted by law.
Where you have a contractual relationship with a third party in connection with a product or service, we may share information in accordance with such arrangement and the handling of information by that party will be subject to your agreement(s) with it.
4. Honoring your choices
You have choices when it comes to how Solar Sipper shares and uses information.
Please note, if you choose to limit sharing or restrict marketing, you may not learn about beneficial offers.
Sharing among Solar Sipper companies
You may request that Application Information, Consumer Report Information and Information from Outside Sources not be shared amongst Solar Sipper companies.
For sharing among Solar Sipper companies, each customer may tell us his or her choice individually.
Direct marketing
You may choose not to receive direct marketing offers - sent by postal mail, telephone and/or e-mail - from Solar Sipper. Direct marketing offers from us may include information about products and services we believe may be of interest to you. Your choices apply to all marketing offers from us.
Each customer may opt out of each direct marketing option individually. Since marketing programs may already be in progress, it may take up to 12 weeks for your postal mail opt-out to be fully effective. When you opt out of direct marketing by postal mail or telephone, your opt-out will last for five (5) years. After that, you may choose to renew your opt-out for another five-year period.
Sharing information with third parties
If you have a Solar Sipper account, you may request that we not share information about these accounts with third parties. If you request that we not share information with third parties, we may still share information:
* Where permitted or required by law as discussed in Section 3 under Disclosing information in other situations;
* With our service providers as discussed in Section 3 under Managing information with companies that work for us; and
* With other companies with whom we have joint marketing agreements.
If you have multiple credit cards or Sponsored Accounts, you will need to express your choice for each account separately. When any customer on a joint account requests that we not share with third parties, that choice is applied to the entire account.
5. Actions you can take
You can tell us your choice by:
* Notifying us at via our contact form - please make sure to let us know your choice!
6. Steps you can take to protect information about you
Solar Sipper recommends that you take the following precautions to guard against the disclosure and unauthorized use of account and personal information:
* Report any suspicious activity to us immediately.
* Do not respond to e-mails requesting information, unless they were sent by paulysolarsipper@gmail.com. If such an email comes from someone other than paulysolarsipper@gmail.com then email paulysolarsipper@gmail.com to verify legitimacy.
* Shred documents containing any sensitive information before discarding
* Confirm that an Internet site is secure by checking that the URL (Web address) begins with "https”.
* If you think you have been a victim of identity theft or fraud, you may contact the Federal Trade Commission (FTC) to report any incidents and to receive additional guidance on steps you can take to protect yourself. Contact the FTC at ftc.gov/idtheft or 1.877.438.4338.
* For additional information on protecting your information, please visit solarsipper.com/privacy.
Keeping up to date with our Privacy Policy
We may make changes to this policy at any time and will inform you of changes, as required by law. To receive the most up-to-date Privacy Policy, you can visit our Web site at: solarsipper.com/privacy.
7. Other privacy commitments
This notice constitutes the Solar Sipper Do Not Call Policy under the Telephone Consumer Protection Act for all consumers and is pursuant to state law. When you talk with Solar Sipper or its affiliates or partners by telephone your conversation may be monitored or recorded by us.
You may have other privacy protections under state laws, such as Vermont and California. To the extent these state laws apply, we will comply with them with regard to our information practices.
