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The Receivables Exchange, LLC is a licensee of the TRUSTe Web Privacy Seal Program. TRUSTe is an independent organization whose mission is to build user's trust and confidence in the Internet by promoting the use of fair information practices. This Privacy Statement covers the web site www.receivablesxchange.com. Because this web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If you have questions or concerns regarding this Privacy Statement, you should first contact John Barton at 220 Camp Street, 5th Floor, New Orleans, LA  70130 or (504) 208-1927, or privacy@receivablesxchange.com.  If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php.  TRUSTe will then serve as a liaison with us to resolve your comments.

The TRUSTe program only covers information that is collected through this web site, and does not cover information that may be collected through any software downloaded from this web site.

Privacy Statement

Thank you for visiting the web site of The Receivables Exchange, LLC ("TRE", "we", "us" or "ours").  We understand that on-line privacy is very important to you.  We have adopted this Internet Privacy Statement to ensure that your personal information is handled safely and responsibly.

This Internet Privacy Statement applies to personal information that we obtain from you via your interactions with us through this web site (the Site).  Additional privacy and confidentiality requirements apply to registered Sellers selling and member Buyers purchasing Receivables over the Exchange.  Registered Sellers and member Buyers should refer to the TRE Program Agreements for specific information.

Personal Information We Collect

A visitor to our Site is not required to reveal any personally identifiable information (Personal Information).

We do not collect Personal Information from your computer when you browse this Site.  Unless you voluntarily and knowingly provide us with Personal Information, we will not know your name, your email address, or any other personally identifiable information.  We collect some information about visitors indirectly through standard web logs, including IP address and what browser is being used (e.g., www.yourcompany.com).  However, we only use this information in the aggregate to administer and improve our Site.

If, while visiting our Site, you request information about TRE or the products and services we offer, we may ask you to provide certain Personal Information, such as your name, mailing address, email address and phone number.  If you elect to furnish this information, we will collect it and use it so that we may respond to your request for additional information about us.  (You may elect not to provide this information about yourself, but doing so may limit your ability to receive information about our products and services.)

If you wish to sign up to use our online platform, we will ask you to provide certain contact Personal Information, such as your name, email address, and phone number, as well as sensitive identifying Personal Information, such as your social security number, tax ID number and driver's license number.

We also collect third party personal information when you wish to add a contact or a new individual owner to your account. Personal information is collected such as name, address, email address, social security number, and phone number. If the third party added as an owner would like to opt out of having their personal information on the site please contact the site at remove@receivablesxchange.com. 
Access to Your Personal Information

If your Personal Information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by making the change on your member information page or by emailing our Customer Support at memberservices@receivablesxchange.com or by contacting us by telephone or postal mail using the contact information listed below:

220 Camp Street, 5th Floor
New Orleans, LA 70130
Toll Free: (800) 658 - 5880
Fax: (800) 513-1352

Cookies

A cookie is a small text file created by a web site that stores information on your computer, such as your preferences when visiting that site.  Cookies also measure usage of various pages on our Site to help us make our information more pertinent to your needs and easy for you to access, and they help us provide products or services that we believe would be of interest and value to you.  Our usage of a cookie is in no way linked to any of your Personal Information while on our Site.

You may set your browser to block cookies (consult the instructions for your particular browser on how to do this), although doing so will adversely affect your ability to perform certain actions, use certain functionalities and access certain content on our Site.

We employ a software technology called tracking pixels (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective.  Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users.  In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information.

We use a third-party tracking services that uses cookies to track non-personally identifiable information about visitors to our site in the aggregate.

Blogs

If you use a bulletin board, blog, or chat room on this Site, you should be aware that any Personal Information you submit there can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages.  We are not responsible for the Personal Information you choose to submit in these forums.

Testimonials

We post customer testimonials on our Site, which may contain Personal Information, such as the customer's name.  Before posting such a testimonial from you, we would obtain your consent to post your name along with your testimonial.

If you want to remove any of your Personal Information that is being displayed on our Site's public pages, please send your request to laurie@receivablesxchange.com.

How We Use Personal Information

We use your Personal Information to conduct our business and to respond to your requests for information about our products and services.  For example, if while visiting our Site you provide your Personal Information in conjunction with a request for additional information about a product or service that we offer, we may send you emails and notices about products and services that we think may be of interest to you.  If you prefer not to receive promotional materials from us, see how to opt out below.

We may share your Personal Information with our affiliates and subsidiaries that are members of our corporate family.  We may also disclose your Personal Information when we believe it is required by law or necessary to operate our business, including when necessary to: (1) enforce the Terms of Use of our Site; (2) protect and defend our rights or property; (3) comply with a court order, warrant, subpoena  or other legal process or other legal requirements of any governmental authorities, or (4) governmental authorities, in our sole discretion, in exceptional circumstances, such as a national emergency, security concern, or other situations in which we deem such disclosure to be prudent.

To provide you with quality service, we may disclose the Personal Information we collect to service providers that perform email marketing, promotional and other services on our behalf.  These parties are contractually prohibited from using your Personal Information for any purpose other than for the reason we specify. If you prefer that we not share your Personal Information with our service providers, you can advise us of your preference by sending us an email addressed to remove@receivablesxchange.com.

From time to time, we may also share your Personal Information with select reputable unaffiliated companies with which we have strategic marketing relationships.  These companies may use your Personal Information to offer you high quality products or services that we believe may be of interest to you.  If you prefer that we not share your Personal Information with our strategic marketing partners, you can advise us of your preference by sending us an email addressed to remove@receivablesxchange.com.

Emails About Special Offers & Promotions; Opt Out

It is our intention to send you only email communications, e.g. newsletters, that will be useful to you and that you want to receive.  These communications will relate to information and/or offers from us and/or the promotions of select, reputable third parties with which we have a strategic marketing relationship.  We use a third party email service provider to send emails.  This service provider is prohibited from using your email address for any purpose other than to send email on our behalf.  When you receive an email from us, you will have the choice to opt out of future emails from us by following the unsubscribe instructions provided in the email.

Security

Because we are committed to keeping your Personal Information secure, we limit the collection and use of your Personal Information to what we believe would be useful to tell you about our products and services and to otherwise conduct our business.  In addition, we educate our employees to appreciate the importance of confidentiality and privacy and restrict access to your Personal Information to those employees who need to know it in order to provide services to you or to respond to your requests.  We also maintain appropriate physical, electronic and procedural safeguards, security standards and procedures that meet or exceed industry standards.  All personal and general information that we collect is stored on a secure server that is protected by firewalls designed to block unauthorized outside access.  Because laws applicable to personal information vary by country, we may implement additional measures that vary depending on the legal requirements applicable in a particular jurisdiction.  Information collected on our Site is generally processed and stored in the United States.

The security of your Personal Information is important to us.  When you enter sensitive information (such as your social security number) on our registration or order forms, we encrypt that information using secure socket layer technology (SSL) and use SSL encryption whenever we transmit your sensitive information.

Third Party Links

Our Site may contain links to other Internet web sites that were developed and are sponsored or maintained by third parties.  Third party Internet sites and services accessible through our web site have separate privacy and data collection practices, independent of us.  We have no responsibility or liability for these independent policies or actions.

Third Party Persona Information
If you choose to use our referral service to tell a friend about our site or to email an article to a friend, we will ask you for your friend’s name and email address.  We will automatically send your friend a one-time email inviting him or her to visit the site.

Service Providers
We use a third party to provide live chat services on our site.

Third parties are prohibited from using your personally identifiable information for any other purpose other than the service they are contracted to perform.

Children

This Site is not directed toward children.  We do not promote our products or services online to children, and we not intentionally collect any personally identifiable information from children under 13.

Privacy Statement Changes

In order to accommodate changes in our Site, evolving technology and any necessary legal requirements, we may need to change this Privacy Statement at any time.  If we decide to change this Privacy Statement, any material changes will be prominently posted to this page, our home page, and other places we deem appropriate at least 30 calendar days before we implement the change.  We will make this information available promptly so that you are aware of what information we gather, how we might use that information and whether we will disclose it to anyone.

We reserve the right to modify this Privacy Statement at any time, so please review it frequently.  If we make material changes to this Privacy Statement, we will notify you here, by email or by means of a notice on our home page.

For additional information, or if you have additional questions about this Privacy Statement or our privacy policy, please submit your comments or questions to us at The Receivables Exchange, Attn: John Barton, EVP, Head of Operations, 220 Camp Street, 5th Floor, New Orleans, LA 70130 (504) 208-1536; privacy@receivablesxchange.com.  Any Personal Information you submit will be used solely to respond to your requests, comments or questions.

This Privacy Statement does not supersede the Terms and Conditions of Use that govern your use of this Site.  Any conflict between the Terms of Use and this Privacy Statement will be resolved in favor of the Terms and Conditions of Use.

Effective Date

The effective date of this Privacy Statement is 11.11.09.