Your privacy is important to Webcerus. This is why, as a member of Webcerus, we are committed to the Webcerus Privacy Promise for Consumers, which is as follows:

Webcerus Privacy Promise for Consumers

While information is the cornerstone of our ability to provide superior service, our most important asset is our customers' trust. Keeping customer information secure, and using it only as our customers would want us to, is a top priority for all of us at Webcerus as a member of the NuVista WebVentures family of companies. Here then, is our promise to our individual customers:

1. We will safeguard, according to strict standards of security and confidentiality, any information our customers share with us.
   
2. We will limit the collection and use of customer information to the minimum we require to deliver superior service to our customers, which includes advising our customers about our products, services and other opportunities, and to administer our business.
   
3. We will permit only authorized employees, who are trained in the proper handling of customer information, to have access to that information. Employees who violate our Privacy Promise will be subject to our normal disciplinary process.
   
4. We will not reveal customer information to any external organization unless we have previously informed the customer in disclosures or agreements, been authorized by the customer, or are required by law or our regulators.
   
5. We will always maintain control over the confidentiality of our customer information. We may, however, facilitate relevant offers from reputable companies. These companies are not permitted to retain any customer information unless the customer has specifically expressed interest in their products or services.
   
6. We will tell customers in plain language initially, and at least once annually, how they may remove their names from marketing lists. At any time, customers can contact us to remove their names from such lists.
   
7. Whenever we hire other organizations to provide support services, we will require them to conform to our policy standards and to allow us to audit them for compliance.
   
8. For purposes of credit reporting, verification and risk management, we will exchange information about our customers with reputable reference sources and clearinghouse services.
   
9. We will not use or share internally or externally personally identifiable medical information for any purpose other than the underwriting or administration of a customer's policy, claim or account, or as disclosed to the customer when the information is collected, or to which the customer consents.
   
10. We will attempt to keep customer files complete, up to date, and accurate. We will tell our customers how and where to conveniently access their account information (except when we're prohibited by law), and how to notify us about errors which we will promptly correct.

We want you to understand what personally identifiable information (Information) that is collected through this web site and how it may later be disclosed.

You can visit this site and find out about our products and services, read our corporate reports, check on career opportunities, or use other value-added services without giving us any information about yourself.

Webcerus does not collect information from non-customers other than applicants for our cards products.

If you are a customer, details about the information we collect and how it may be disclosed is contained in our Privacy Notice. Additional information regarding your Privacy Choices will be provided with your credit card.

In order to provide better service, we may use "cookies" that may be set by another company for us. A cookie is a small piece of information that a Web site stores on your Web browser that can later be retrieved and read only by the same site. We use cookies for administrative purposes and to enhance your online experience. For example, we may use cookies to track the number of visitors to our site or to enable us to present rotating information to you at our site. You can set up your Web browser to inform you when cookies are set or to prevent cookies from being set.

Additionally, non-customers who receive promotional messages about our products and services may elect to not receive ('opt out'') further messages. If you opt out from receiving these messages we will retain your e-mail address solely for the purposes of facilitating your request.

If you wish to review information provided on online applications, you can contact us to request a copy of the personal account information you provided through our customer service numbers. There may be a charge for certain information that is requested. To protect your privacy, proof of identity or other authentication is required.

Customers may review and change contact information such as address, phone and email information by signing on and updating their personal profile.

From time to time, we may change this Internet Privacy Policy. The effective date of this policy, as stated below, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.

This policy was last modified 06/27/2006


Keeping customer information secure is a top priority for all of us at Webcerus. This notice tells you how we collect, handle, and disclose personal information about you. This notice also applies to former customers as well as current customers unless we state otherwise.


We protect personal information we collect about you by maintaining physical, electronic, and procedural safeguards that meet or exceed applicable law. As a current customer, you can learn more about how we protect this information by reviewing the Webcerus Privacy Promise for Consumers that we follow as a member of the NuVista WebVentures family of companies and that you will receive with your credit card.


The personal information we collect about you comes from the following sources:

• Information we receive from you on applications or other forms, such as your name, address, and telephone number,
• Information about your transactions with us, our affiliates, or nonaffiliated third parties, such as your account balances, payment history, and account activity,
• Information we receive from a consumer reporting agency such as your credit bureau reports and other information relating to your creditworthiness, and
• Information we receive about you from other sources, such as your employer and other third parties.

We may disclose any of the above information that we collect to affiliates and nonaffiliated third parties as described below.


Our affiliates are the family of companies controlled by NuVista WebVentures. Affiliates to whom we may disclose personal information about you are in several different businesses, including telecommunication services, banking, real estate, financial services, insurance and internet. Our affiliates include those doing business under the names NuVista Capital, NuVista Real Estate, NuVista Financial Services, NuVista Insurance Services, Webcerus and American Global Telecom.


Nonaffiliated third parties are those not part of the family of companies controlled by NuVista WebVentures.

We may disclose personal information about you to the following types of nonaffiliated third parties:

• Financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities, and insurance,
• Non-financial companies, such as companies engaged in direct marketing and the selling of consumer products and services.

If you check Box 1 on the Privacy Choices Form that you will receive with your credit card, we will not make these disclosures except as follows. First, we may disclose information about you as described above in "Personal Information We Collect and May Disclose" to third parties that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Second, we may disclose personal information about you to third parties as permitted by law, such as disclosures necessary to process and service your credit card account.


You will receive your Privacy Choices Form along with a copy of this notice when you receive your credit card.

In response to a Vermont regulation, we will automatically treat accounts with Vermont mailing addresses as if you checked Box 1 and Box 2 on the Privacy Choices Form without requiring you to return the form. And if we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transactions or experiences with you. In response to a California law, effective July 1, 2004, we will automatically treat accounts with California mailing addresses as if you checked Box 1 on the Privacy Choices Form and will not disclose personal information about you to nonaffiliated third parties except as permitted by applicable California law.


As described in this notice, we will limit the personal information about you that we disclose to nonaffiliated third parties if you check Box 1 on the Privacy Choices Form.


The law allows us to share with our affiliates any information about our transactions or experiences with you. Unless otherwise permitted by law, we will not share with our affiliates other information that you provide to us or that we obtain from third parties (for example, credit bureaus) if you check Box 2 on the Privacy Choices Form.

privacy@webcerus.com