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Data
Security and Encryption when ordering through TheHeadChange.com
The security of your information, transactions, and money is the core
of our business and our top priority at TheHeadChange.com - That's why
we use PayPal
PayPal automatically encrypts your confidential information in transit
from your computer to ours using the Secure Sockets Layer protocol
(SSL) with an encryption key length of 128-bits (the highest level
commercially available). Before you even register or log in to our
site, our server checks that you're using an approved browser, one that
uses SSL 3.0 or higher.
Once your information reaches us, it resides on a server that is
heavily guarded both physically and electronically. Our servers sit
behind an electronic firewall and are not directly connected to the
Internet, so your private information is available only to authorized
computers.
Information security
PayPal is committed to handling your customer information with high
standards of information security. Your credit card and bank account
information are stored only in encrypted form on computers that are not
connected to the Internet. We restrict access to your personally
identifiable information to employees who need to know that information
in order to provide products or services to you. We maintain physical,
electronic and procedural safeguards that comply with federal
regulations to guard your nonpublic personal information. We test our
security systems regularly and also contract with outside companies to
audit our security systems and processes. For more information on
PayPal's security practices, please visit the PayPal Security Center.
The security of your PayPal account also relies on your protection of
your PayPal password. You may not share your PayPal password with
anyone. PayPal will never ask you to send your password or other
sensitive information to us in an e-mail, though we may ask you to
enter this type of information on the PayPal website, which will always
have a URL beginning with https://www.paypal.com/.
Any e-mail or other communication requesting your password, asking you
to provide sensitive account information via email, or linking to a
website with a URL that does not begin with https://www.paypal.com/
should be treated as unauthorized and suspicious and should be reported
to PayPal immediately using this form . If you do share your PayPal
password with a third party for any reason, including because the third
party has promised to provide you additional services such as account
aggregation, the third party will have access to your account and your
personal information, and you may be responsible for actions taken
using your password. If you believe someone else has obtained access to
your password, please change it immediately by logging in to your
account at www.paypal.com and changing your Profile settings, and also
contact us right away as described in Section F below.
The information we
collect
Required Information
To open a PayPal account, you must provide your name, address, phone
number, and e-mail address. In order to make payments through PayPal,
you must provide credit card, debit card or bank account information
(bank account information is required to make payments totaling more
than $1,000). We also ask you to choose two different security
questions to answer (such as your city of birth or your pet's name)
This required information is necessary for us to process transactions,
issue a new password if you forget or lose your password, protect you
against credit card fraud and checking account fraud, and to contact
you should the need arise in administering your account.
If you enroll in the optional sweep of your funds into the PayPal Money
Market Fund, we are required to collect your Social Security Number
("SSN") or other Taxpayer Identification Number ("TIN"). In order to
comply with the Bank Secrecy Act, we will also require your SSN or TIN
if you send or receive certain high-value transactions or high overall
payment volumes through PayPal. If you choose to register or apply for
certain optional features or products offered through PayPal Web sites,
such as listing your business in PayPal Shops, or applying for the
PayPal Visa® credit card or the PayPal MasterCard® debit card,
you will be required to provide additional information to establish
that you qualify for such features or products.
Transaction Information
When you use PayPal to send money to someone else or request money from
someone else, we ask you to provide information related to each
transaction, including the amount of the transaction, the type of
transaction (purchase of goods, purchase of services, or simple money
transfer ("quasi-cash")) and the e-mail address of the third party. We
retain this information for each of your transactions through PayPal.
We also collect the Internet address (IP address) of the computer or
device you use to access your PayPal account, in order to help detect
possible instances of unauthorized transactions.
Information About You From
Third Parties
In order to protect all our customers against potential fraud, we
verify with third parties the information you provide. In the course of
such verification, we receive personally identifiable information about
you from such services. In particular, if you register a credit card or
debit card with PayPal, we will use card authorization and fraud
screening services to verify that your card information and address
matches the information that you supplied to PayPal, and that the card
has not been reported as lost or stolen.
If you register your online business with PayPal Shops or if you send
or receive high overall payment volumes through PayPal, in some
circumstances we will conduct a background check on your business by
obtaining information about you and your business from a credit bureau
or a business information service such as Dun & Bradstreet. If you
incur a debt to PayPal, we will generally conduct a credit check on you
by obtaining additional information about you from a credit bureau, to
the extent permitted by law. PayPal, at its sole discretion, also
reserves the right periodically to retrieve and review a business and /
or consumer credit report for any account, and reserves the right to
close an account based on information obtained during this credit
review process.
Additional Verification
If we cannot verify the information that you provide, or if you request
a withdrawal by check to an address other than your verified credit
card billing address, we ask you to send us additional information by
fax (such as your drivers' license, credit card statement, and/or a
recent utility bill or other information linking you to the applicable
address), or to answer additional questions online to help verify your
information.
Web Site Traffic
Information
Because of the way that World Wide Web communication standards work,
when you arrive at or leave the PayPal Web site, we automatically
receive the Web address of the site that you came from or are going to.
We also collect information on which pages of our Web site you visit
while you are on the PayPal site, the type of browser you use and the
times you access our Web site. We use this information only to try to
understand our customers' preferences better and to manage the load on
our servers, so as to improve our service and your experience with
PayPal. We do not track the Web sites that you visit before or after
you leave the PayPal site.
Our Use of "Cookies"
"Cookies" are small files of data that reside on your computer and
allow us to recognize you as a PayPal customer if you return to the
PayPal site using the same computer and browser. We send a "session
cookie" to your computer if and when you log in to your PayPal account
by entering your e-mail address and password. These cookies allow us to
recognize you if you visit multiple pages in our site during the same
session, so that you don't need to re-enter your password multiple
times. Once you log out or close your browser, these session cookies
expire and no longer have any effect.
We also use longer-lasting cookies to display your e-mail address on
our sign-in form, so that you don't have to retype the e-mail address
each time when you log in to your PayPal account. In addition, we use
cookies to process our referral program, described in Section C below.
Our cookie files are encoded so that your e-mail address and other
information can only be interpreted by PayPal. We may, however, share
cookie information regarding whether or not a certain user is already
registered with PayPal with certain merchants with whom we have an
official co-marketing relationship.
Customer Service
Correspondence
If you send us correspondence, including e-mails and faxes, we retain
such information in the records of your account. We will also retain
customer service correspondence and other correspondence from PayPal to
you. We retain these records in order to measure and improve our
customer service, and to investigate potential fraud and violations of
our User Agreement. We may, over time, delete these records if
permitted by law.
Questionnaires, Surveys
and Profile Data
From time to time, we offer optional questionnaires and surveys to our
users for such purposes as collecting demographic information or
assessing users' interests and needs. The use of the information
collected will be explained in detail in the survey itself. If we
collect personally identifiable information from our users in these
questionnaires and surveys, the users will be given notice of how the
information will be used prior to their participation in the survey or
questionnaire.
Non-member Recipients and
Requests
When a member either sends a payment to, or requests a payment from, an
individual who is not a registered member of PayPal, we will retain the
information that the member submits to us, including, for example, the
other party's email address and/or name, for the benefit of the member
who is attempting to contact the non-member, so that the member can see
a complete record of his or her transactions, including uncompleted
transactions. Although this information is stored indefinitely, we will
not market to the non-member in any way at any time. Additionally,
these non-members have the same rights to access and correct
information about themselves (assuming that their email addresses were
correct enough to reach them) as anyone else who uses PayPal.
Our use and
disclosure of information
Internal Uses
We collect, store and process your personal information on servers
located in the United States. We use the information we collect about
you in order 1) to provide our services and process your transactions,
2) to provide customer service, 3) to determine your eligibility to
receive offers for special features or products, such as the PayPal
MasterCard® debit card, and 4) to improve our products and
services. At your option (as indicated in your PayPal Profile
settings), we use the information you provide to access specific third
party services on your behalf and perform the actions that you request
us to perform, such as invoicing winning bidders on behalf of auction
sellers.
We give access to individually identifiable information about our users
only to those employees who require it to fulfill customer service
requests.
Disclosure to Other PayPal
Customers
If you are a registered PayPal user, your name, e-mail address, date of
sign-up, and whether you have verified control of a bank account are
displayed to other PayPal customers whom you have paid or who are
attempting to pay you through PayPal. If you are a Business account
holder, we will also display to other PayPal customers the Web site
address (URL) and customer service contact information that you provide
us. However, your credit card number, bank account and other financial
information will NEVER be revealed to anyone whom you have paid or who
has paid you through PayPal, except if we are required to do so
pursuant to a subpoena or other legal process.
If you are buying goods or services and paying through PayPal, the
seller of the goods or services may request that you provide a mailing
address that PayPal has confirmed as matching the billing address in
the credit card system. You do not have to provide this information. If
you do not provide the information, however, the seller may choose not
to accept your PayPal payment and not to complete the transaction.
Beginning in spring 2001, PayPal will also disclose to other PayPal
customers the number of payments you have received from Verified PayPal
customers (as defined in the User Agreement on the www.paypal.com
site), or other aggregate measures that provide an indication of your
reputation with other PayPal customers.
Disclosure to Third
Parties Other Than PayPal Customers
PayPal will not sell or rent any of your personally identifiable
information to third parties. PayPal will not share any of your
personally identifiable information with third parties except in the
limited circumstances described below, or with your express permission
(and to other PayPal customers as described above). These third parties
are limited by law or by contract from using the information for
secondary purposes beyond the purposes for which the information is
shared.
1........We share
information with companies that help us process the transactions you
request and protect our customers' transactions from fraud, such as
sharing your credit card number with a service that screens for lost
and stolen card numbers. See "Information About You From Third Parties"
in Section B above. Additionally, if you go into a negative balance and
owe us money, we may share information with processing companies
including collection agencies.
2........We
disclose the information we collect, as described in Section B above,
to companies that perform marketing services on our behalf or to other
financial institutions with whom we have joint marketing agreements
(for example, we disclose information to Providian National Bank, which
is the issuer of PayPal Visa™ credit cards, so that Providian can
determine customers' eligibility for the PayPal Visa credit card, and
so that PayPal and Providian can better match the products we offer to
our customers' needs). These companies are subject to confidentiality
agreements with us and other legal restrictions that prohibit using the
information except to market the specified PayPal-related products or
services, unless you have affirmatively agreed or given your prior
permission for other uses.
3........We
disclose information that we in good faith believe is appropriate to
cooperate in investigations of fraud or other illegal activity, or to
conduct investigations of violations of our User Agreement.
Specifically, this means that if we conduct a fraud investigation and
conclude that one side has engaged in deceptive practices, we can give
that person or entity's contact information (but not bank account or
credit card information) to victims who request it.
4........We
disclose information in response to a subpoena, warrant, court order,
levy, attachment, order of a court-appointed receiver or other
comparable legal process, including subpoenas from private parties in a
civil action.
5........When a
user signs up for a co-branded version of PayPal (e.g. PayPal Evite)
through links on our co-branded partner's website, PayPal will share
with the co-branded partner that user's name, e-mail address and
physical address in order to provide enhanced integration between
PayPal's services and the services of our co-branded partner. When a
user signs up for a co-branded version of PayPal through Intuit's
QuickBooks software, PayPal will share with Intuit information on that
user's PayPal transactions so that the information can be automatically
entered by Intuit into the user's QuickBooks program. If a user does
not want his or her information shared with PayPal's co-branded
partner, he or she should not use this aspect of the site.
6........If you
choose to invest in the PayPal Money Market Fund, we will share your
information with PayPal Funds, a Delaware business trust which is the
issuer of the Money Market Fund, and with PayPal Asset Management,
Inc., a wholly-owned subsidiary of PayPal that is the transfer agent
for the Money Market Fund, so that you can complete your investment
more easily and can move funds into and out of the Money Market Fund
without re-entering your personal information for every transaction.
7........We
disclose information to your agent or legal representative (such as the
holder of a power of attorney that you grant, or a guardian appointed
for you).
8........We share
aggregated statistical data with our business partners or for public
relations. For example, we may disclose that a specific percentage of
our users live in California. However, this aggregated information is
not tied to personally identifiable information.
9........As with
any other business, it is possible that PayPal in the future could
merge with or be acquired by another company. If such an acquisition
occurs, the successor company would have access to the information
maintained by PayPal, including customer account information, but would
continue to be bound by this Privacy Policy unless and until it is
amended as described in Section A above.
10.......We share
your information with our parent, subsidiaries and joint ventures to
help coordinate the services we provide to you, enforce our terms and
conditions, and promote trust and safety.
Our Contacts with PayPal
Customers
We communicate with users on a regular basis via e-mail to provide
requested services, and we also communicate by phone to resolve
customer complaints or investigate suspicious transactions. We use your
e-mail address to confirm your opening of a PayPal account, to send you
notice of payments that you send or receive through PayPal (including
referral payments described below), to send information about important
changes to our products and services, and to send notices and other
disclosures required by law. Generally, users cannot opt out of these
communications, but they will be primarily informational in nature
rather than promotional.
We also use your e-mail address to send you other types of
communications that you can control, including the PayPal Periodical
newsletter, auction tips, customer surveys and notice of special
third-party promotions. You can choose whether to receive some, all or
none of these communications when you complete the registration
process, or at any time thereafter, by logging in to your account on
the PayPal Web site and changing your preferences in the Profile page
of the My Account tab. You can also change your choices at any time
through the same procedure.
In connection with independent audits of our financial statements and
operations, the auditors may seek to contact a sample of our customers
to confirm that our records are accurate. However, these auditors
cannot use personally identifiable information for any secondary
purposes.
Internet Address
Information
We use IP addresses, browser types and access times to analyze trends,
administer the site, improve site performance and gather broad
demographic information for aggregate use.
Your Use of Information and
Our Services
In order to facilitate the transactions between PayPal members, our
service allows you limited access other users' contact or shipping
information. As a seller you may have access to the User ID, email
address and other contact or shipping information of the purchaser, and
as a purchaser you may have access to the User ID, email address and
other contact information of the seller.
By entering into our User Agreement, you agree that, with respect to
other users' personally identifiable information that you obtain
through the site or through an PayPal-related communication or
PayPal-facilitated transaction, you will only use this information for:
(a) PayPal-related communications that are not unsolicited commercial
messages, (b) using services offered through PayPal (e.g. insurance,
shipping and fraud complaints), and (c) any other purpose that such
user expressly agrees to after adequate disclosure of the purpose(s).
In all cases, you must provide users with the opportunity to remove
themselves from your database and review any information you have
collected about them. In addition, under no circumstances, except as
defined in this Section, can you disclose personally identifiable
information about another PayPal user to any third party without our
consent and the consent of such other user after adequate disclosure.
Note that law enforcement personnel and other rights holders are given
different rights with respect to information they access.
PayPal does not tolerate spam. Therefore, without limiting the
foregoing, you may not add a PayPal user to your mail list (email or
physical mail) without their express consent after adequate disclosure,
even if said user has previously made a purchase from you. We strictly
enforce our Anti-Spam Policy! To report PayPal-related spam to PayPal,
please contact us.
Accessing and
changing your PayPal information
You can review the personal information you provided us and make any
desired changes to such information, or to the settings for your PayPal
account, at any time by logging in to your account on the PayPal Web
site and changing your preferences in the Profile page of the "My
Account" tab. You can also close your account through the PayPal Web
site. If you close your PayPal account, we will mark your account in
our database as "Closed," but will keep your account information in our
database. This is necessary in order to deter fraud, by ensuring that
persons who try to commit fraud will not be able to avoid detection
simply by closing their account and opening a new account. However, if
you close your account, your personally identifiable information will
not be used by us for any further purposes, nor sold or shared with
third parties, except as necessary to prevent fraud and assist law
enforcement, or as required by law (for example, to send former Money
Market Fund investors a report of dividends paid during the calendar
year for tax reporting purposes)
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