Information you provide: We may obtain information that you provide directly to us on the Site when, for example, you use our contact form, log into your Site account, or otherwise interact with the Site. This information may include personal information, which is information that can be used to identify you individually, such as your name, email address, phone number, mailing address, fax number, company information, and any information you include in Site account authentication security questions (e.g., mother’s maiden name).
Information collected automatically:We may collect certain information automatically including IP addresses, device identifiers, browser characteristics, operating system details, language preferences, referring URLs, length of visits, and pages viewed using various tools and technologies such as cookies and web server logs.
A cookie is a piece of data that a website can send to your browser, which may then be stored on your computer as an anonymous tag that identifies your computer but not you. Many web browsers are set to accept cookies by default, but you may be able to set your browser to notify you before you receive a cookie, or to remove or reject cookies. Please note that if you disable cookies, you may not be able to use certain features of this Site or other websites and disabling cookies may invalidate opt outs that rely on cookies to function.
We may combine certain automatically-collected information with other information we obtain about you, which may include data we obtain from third parties.
Please note that we or third parties may collect personal information about your online activities over time and across different devices and online properties when you use the Site.
Your web browser may have settings that allow you to transmit a “Do Not Track” signal when you visit various websites or use online services. Like many websites, the Site is not designed to respond to “Do Not Track” signals received from browsers. To learn more about “Do Not Track” signals, visit http://www.allaboutdnt.com/.
We may use personal information we collect through the site for:
We may share your personal information with our parent company (North American Bancard, LLC), affiliates, and business partners. To the extent we grant these parties access to your personal information, they will follow privacy practices no less protective than our practices to the extent allowed by applicable law.
We may also share your personal information with third-party service providers assisting us in carrying out our services. Third-party service providers are not meant to use personal information except as necessary to provide the relevant services to us.
Additionally, EPX may disclose personal information when required by subpoena, search warrant, or other legal processes, or in response to activities that are unlawful or a violation of EPX's rules for use of the Site, or to protect and defend the rights or property of EPX.
We may use third-party technology to collect and use data in connection with interest-based advertising. These third-party ad technology companies and advertisers may use, store, or access cookies, web beacons, and other storage technologies to collect or receive information from the Site and elsewhere on the Internet and use that information to provide advertising services to us, including interest-based advertising or advertisements targeted to your interests.
We may use certain third-party web analytics services, including Google Analytics, to help us understand and analyze how visitors use the Site and to serve ads on our behalf across the Internet. We’ve implemented Google Analytics Advertising features such as remarketing with analytics, interest-based advertising, demographics and interests reporting, technology and device reporting, user segment analysis, and impression reporting. We and third-party vendors may use first-party cookies or other first-party identifiers as well as third-party cookies or other third-party identifiers to deliver advertisements, create a profile of you, measure your interests, detect your demographics, detect your location, personalize content.
To find out more about how these third-party analytics services manage the privacy of information in conjunction with delivering ads online, and how to opt-out of information collection by these networks, please visit: http://www.youradchoices.com, http://www.aboutads.info/appchoices, or http://www.networkadvertising.org.
For more information on how Google Analytics uses data collected through the Site, visit: www.google.com/policies/privacy/partners/. To opt out of Google Analytics cookies, visit: http://www.google.com/settings/ads and https://tools.google.com/dlpage/gaoptout/.
Please note that we do not control how third parties manage their opt-out processes.
We take reasonable measures to protect your personal information from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. Nevertheless, transmission via the Internet and online digital storage are not completely secure and we cannot guarantee the security of your information collected through the Site.
Communication preferences and marketing: If you do not wish to receive marketing emails from us, you can opt out of future marketing emails by following the instructions provided in the marketing emails. Opting out of marketing emails will not affect our administrative emails to you (e.g., emails about your transactions or policy changes).
Accessing, reviewing, and changing your personal information: Registered users can review and change certain personal information (e.g., email, password, address, phone number) at any time by accessing their account on the Site.
At this time, EPX is not a “business” subject to the California Consumer Privacy Act. EPX does not disclose “customer” “personal information” to third parties for those third parties’ own direct marketing purposes as defined in California’s “Shine the Light” law. California residents may contact us for further information regarding our privacy practices by emailing email@example.com.
If a dispute arises between you and EPX you and EPX agree, as permitted by applicable law, to resolve any claim or controversy at law or equity arising out of, relating to, or connected in any way with the Site through binding arbitration or as we and you otherwise agree in writing. Before resorting to these alternatives, we strongly encourage you to first contact us directly to seek a resolution. We will consider reasonable requests to resolve the dispute through alternative dispute resolution procedures, such as mediation or arbitration, as alternatives to litigation.
Certain portions of this section are deemed to be a “written agreement to arbitrate” pursuant to the Federal Arbitration Act. You and EPX agree that we intend that this section satisfies the “writing” requirement of the Federal Arbitration Act. This section can only be amended by mutual agreement.
Binding arbitration. If any controversy, allegation, or claim relates in any way to your use of the Site (collectively, “Dispute”), then you agree the Dispute shall be submitted to confidential arbitration in Michigan except that we may seek injunctive or other appropriate relief in any state or federal court. You hereby consent to, and waive, all defenses of lack of personal jurisdiction and forum non conveniens with respect to venue and jurisdiction in the state and federal courts of Michigan. Arbitration under these Terms shall be conducted pursuant to the Commercial Arbitration Rules then prevailing at the American Arbitration Association; any dispute shall otherwise be governed by the internal laws of the State of Michigan without regard to Michigan choice of law principles, except that the provisions of this agreement concerning arbitration shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1, et seq. The arbitrability of disputes shall be determined by the arbitrator. The arbitrator’s award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Limited time to file claims. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of, related to or connected with the use of the Site must be filed within one year after such claim or cause of action arose or be forever banned.
Class action waiver. DISPUTES WILL BE ARBITRATED, LITIGATED, OR OTHERWISE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND WILL NOT BE JOINED OR CONSOLIDATED WITH ANY OTHER ARBITRATIONS, LAWSUITS, OR OTHER PROCEEDINGS THAT INVOLVE ANY CLAIM OR CONTROVERSY OF ANY OTHER PARTY. YOU AND EPX AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, COUNTER-PLAINTIFF, OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.