Notification of Changes
Other pages on the Oceanwide Web sites include links to third party Web sites. These sites are governed by their own privacy statements, and Oceanwide is not responsible for their operations, including but not limited to their information practices. Users submitting information to or through these third party Web sites should review the privacy statement of these sites before providing them with personally identifiable information.
INFORMATION WE COLLECT
To open an Oceanwide account, you must provide your name, address, phone number, and e-mail address. In order to make payments through Oceanwide, you must provide credit card, debit card or bank account information. 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.
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 Oceanwide, we will use card authorization and fraud screening services to verify that your card information and address matches the information that you supplied to Oceanwide, and that the card has not been reported as lost or stolen.
If you incur a debt to Oceanwide, 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. Oceanwide, 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.
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 Oceanwide 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 Oceanwide 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 Oceanwide. We do not track the Web sites that you visit before or after you leave the Oceanwide site.
Our Use of “Cookies”
“Cookies” are small files of data that reside on your computer and allow us to recognize you as a Oceanwide customer if you return to the Oceanwide site using the same computer and browser. We send a “session cookie” to your computer if and when you log in to your Oceanwide account by entering your account 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 profile information on certain forms, so that you don’t have to retype the information each time when you log in to your Oceanwide account. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by Oceanwide. We may, however, share cookie information regarding whether or not a certain user is already registered with Oceanwide 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 Oceanwide 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.
OUR USE AND DISCLOSURE INFORMATION
We collect, store and process your personal information on servers located in the United States and Canada. 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, and 4) to improve our products and services. At your option 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.
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 Oceanwide Customers
We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with Oceanwide in order to validate the information, assess the risks of your payment, or confirm the existence or status of your Oceanwide account. You permit Oceanwide to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your Oceanwide account.
Oceanwide does not store the personally identifiable information provided by these merchants to validate the existence of your account.
Disclosure to Third Parties Other Than Oceanwide Customers
Oceanwide will not sell or rent any of your personally identifiable information to third parties. Oceanwide 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 with other Oceanwide 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.
- 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.
- We may disclose the information we collect, as described in Section B above, to companies that perform marketing services on our behalf.
- 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. For example, 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.
- 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.
- When a user signs up for a co-branded version of Oceanwide through links to Oceanwide from our co-branded partner’s website, Oceanwide will share with the co-branded partner that user’s name, e-mail address and physical address in order to provide enhanced integration between Oceanwide’s services and the services of our co-branded partner. If you do not want your information shared with Oceanwide’s co-branded partner, you should sign up with Oceanwide directly and not through a link from our partner’s website.
- 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).
- 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 Oceanwide 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 Oceanwide account, to send you notice of payments that you send or receive through Oceanwide (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.
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.
Oceanwide does not tolerate spam. We strictly enforce our Anti-Spam Policy! To report Oceanwide-related spam to Oceanwide.
INFORMATION AND SECURITY
Oceanwide 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 industry standard and accepted mechanisms 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.
The security of your Oceanwide account also relies on your protection of your Oceanwide password. You may not share your Oceanwide password with anyone. Oceanwide 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 Oceanwide website, which will always have a URL beginning with www.oceanwide.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 www.oceanwide.com should be treated as unauthorized and suspicious and should be reported to Oceanwide immediately. If you do share your Oceanwide 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 and changing your Profile settings, and also contact us right away as described in Section F below.
ACCESSING AND CHANGING YOUR INFORMATION
You can review the personal information you provided us and make any desired changes to such information, or to the settings for your Oceanwide account, at any time by logging in to your account on the Oceanwide Web site and changing your preferences in the Profile page.
If you have any questions about this privacy statement, Oceanwide’s information practices, or your dealings with Oceanwide, you can contact us:
3400, De Maisonneuve W.
Suite 1450, 1 Place Alexis Nihon Montreal, Quebec H3Z 3B8 Canada
Phone: (514) 289-9090
Phone: (888) 289-7744
Fax: (514) 289-1909