This policy describes the ways we collect, store, use and protect your personal information. You accept this policy when you use any of our services. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it.

How we collect information about you

When you visit a Stipko Media website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website. No personal information is ever collected, unless you enter it on a page and confirm it by return email.

How we use cookies

When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.

We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.

We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.

We encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website.

How we protect and store personal information

Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.

We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.

How we use the personal information we collect

Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:

• provide the services and customer support you request;
• process transactions and send notices about your transactions
• resolve disputes, collect fees, and troubleshoot problems;
• prevent potentially prohibited or illegal activities;
• customize, measure, and improve our services and the content and layout of our website;
• send you targeted marketing, service update notices, and promotional offers based on your communication preferences;
• compare information for accuracy and verify it with third parties.

To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified Stipko Media customers, and whether you have verified control of a bank account are displayed to other Stipko Media customers who you transact with through Stipko Media.

If you are buying goods or services and pay through Stipko Media, we may provide the seller with the shipping address for the goods and your confirmed credit card billing address to complete your transaction with the seller. The seller is not allowed to use this information to market their services to you unless you have agreed to it.

We work with merchants to enable them to accept payments from you using Stipko Media. In doing so, a merchant may share information about you with us, such as your email address, when you attempt to pay that merchant. We use this information to confirm to that merchant that you are a Stipko Media customer and that the merchant should enable Stipko Media as a form of payment for your purchase.

Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through Stipko Media, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.

How we share personal information with other parties

We may share your personal information with:

• Members of our corporate family to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.
• Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
• Law enforcement, government officials, or other third parties when
  • we are compelled to do so by a subpoena, court order or similar legal procedure
  • we need to do so to comply with law
  • we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.
• Other third parties with your consent or direction to do so.

How you can restrict Stipko Media from sharing your personal information

Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:

If you do not want Stipko Media to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please contact us in writing.

How you can contact us about privacy questions

If you have questions or concerns regarding this policy, you should contact us by using the "Contact" feature on our site or by writing to us.