RealNet Payments LLC Privacy Statement

Rev. 02/2022

FACTS	What does RealNet Payments LLC do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect, and share depend on the product or service you have with us. This information can include: Social Security Number; Account balances and payment history; and Transaction history and checking account information. When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share customers’ personal information, the reasons RealNet Payments, LLC chooses to share personal information, and whether you can limit this sharing.

Reasons we can share your personal information			Does RealNet Payments LLC Payment Services share?	Can you limit this sharing?
For our everyday business purposes, such as processing your transactions, maintaining your account(s), responding to court orders and legal investigations, or reporting to credit bureaus.			Yes	No
For our marketing purposes – to offer our products and services to you.			No	NA*
For joint marketing with other financial companies.			No	NA*
For our affiliates’ everyday business purposes – information about your transactions and experiences.			Yes	No
For our affiliates’ everyday business purposes- information about your creditworthiness.			No	NA*
For our affiliates to market to you.			No	NA*
For nonaffiliates to market to you.			No	NA*
* Not Applicable because RealNet Payments LLC does not share personal information related to this category.
Who we are
Who is providing this notice?		RealNet Payments LLC (doing business as Paytrust in some states and territories)
What we do
How does RealNet Payments LLC protect my personal information?		To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include, but are not limited to, computer safeguards and secured files and buildings.
How does RealNet Payment LLC collect my personal information?		We collect your personal information, for example, when you: Open an account Pay your bills Provide account information Give us your contact information, or Tell us where to send the money We also collect your personal information from others, such as credit bureaus, affiliates, and other companies.
Why can’t I limit all sharing?		Federal law gives you the right to limit only: Sharing for affiliates’ everyday business purposes- information about your creditworthiness Affiliates from using your information to market to you, and Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates		Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with FIS or Worldpay in their names, such as FIS Payments LLC; Fidelity National Information Services, Inc. and Fidelity Information Services, LLC.
Nonaffiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates, we share with can include your include merchants participating in our credit card programs, their affiliates, their service providers, and program sponsors.
Joint Marketing		A formal agreement between nonaffiliated financial companies that together market financial products or services to you. RealNet Payments LLC does not engage in joint marketing.

Other Important Information

State and Local Regulations: If you are protected by specific state or local laws concerning information sharing in addition to federal law, RealNet Payments LLC will fully comply with these as well.

Vermont and California residents: We will not share information we collect about Vermont and California residents with companies outside of RealNet Payments LLC, unless the law allows. For more information about FIS data privacy practices, access the FIS Privacy Policy.

Nevada state law requires that we provide residents with the following contact information:

Bureau of Consumer Protection
Office of the Nevada Attorney General
555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone: 702.486.3132
Email: BCPINFO@ag.state.nv.us.

Consumer Data Rights Requests

Consumers may submit a Data Rights Request by a variety of methods. Such requests can made:

by phone to FIS Data Protection Office at 800-728-7033, or
by email to RealNet.Payments.LLC.Mailbox@fisglobal.com, which is monitored for the enrollment process, or
by postal mail in a request sent to EPP Operations-CAPE1E, 11000 W Lake Park Drive, Milwaukee WI 53224-3003.

Online Privacy Notice

RealNet Payments LLC is committed to protecting the confidentiality of our customers' personal financial information. We believe it is helpful to have an overview of how this commitment is applied as RealNet Payments LLC collects, uses, and protects your personal information when you visit us online.

Do we respond to “do not track” signals? Can other parties collect personally identifiable information on our website?

You may use a web browser that allows you to send a “do not track” signal to the operator of a commercial website or online service. This feature may allow you to request that the operator:

Not collect personally identifiable information about you, or
Not allow the operator or third parties to track your activity over time and across third-party websites and online services.

Alternatively, you may use another mechanism to make such a request.

RealNet Payments LLC, the provider of this notice, is the operator of a commercial website or online service. We do not respond to any “do not track” signal or other mechanism that you might send us or use. We would like to explain that.

We do not allow third parties to access our website to collect personal information in order that they may track your online activities over time and across third-party websites and online services.

As we have stated elsewhere in this notice, we do not share any personal information about you with either affiliates or nonaffiliates for marketing purposes.

However, we need to collect, use, and retain your personal information for two reasons:

First, we are a “money services business” under federal law. Under federal law, we are required to verify your identification and review any unusual activity. To do this, we need to collect, use, and retain your personal information.
Second, we need to collect, use, and retain your personal information for our everyday business purposes, as described elsewhere in this notice.

Social Security Numbers

As part of its Online Privacy Notice, RealNet Payments LLC is committed to protecting the confidentiality of Social Security Numbers, prohibiting unlawful disclosure of Social Security Numbers, and limiting access to Social Security Numbers.

Other Identification Numbers

As part of its Online Privacy Notice, RealNet Payments LLC is committed to protecting the confidentiality of identification numbers such as Employer Identification Numbers or state identification numbers if they become known to us, prohibiting unlawful disclosure of such numbers, and limiting access to such numbers.

Protecting Children

RealNet Payments LLC strictly follows the federal guidelines of the Children's Online Privacy Protection Act (COPPA). We do not knowingly collect, maintain, or use personal information from children under age 13 on our websites.

Use of Cookies on Website(s)

What are cookies?

Cookies are text files containing small amounts of information, which are downloaded to your computer or mobile device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognizes that cookie. Cookies are useful because they allow a website to recognize a user’s device and the website pages that interest a user. For more information on our use of cookies and your options, review the FIS Online Privacy Notice. You can also find more information about cookies at: www.youronlinechoices.eu.
Cookies do many different jobs, such as allowing you to navigate between pages efficiently, remembering your preferences, and generally improving the user experience. They can also help to verify the advertisements and other content you see online are more relevant to you and your interests. They can be set by the website you are visiting (known as first party cookies), or by another entity such as an advertising network (known as third-party cookies). The cookies used on this website have been categorized on the basis of the four categories found in the International Chamber of Commerce United Kingdom (ICC UK) Cookie guide. We use the following types of cookies:

“Session” cookies remain in your browser during your browser session only (e.g. until you leave the website).
“Persistent” cookies remain in your browser after the session (unless deleted by you).
“Performance” cookies collect information about your use of the website, such as webpages visited and any error messages you receive. The information they collect is aggregated and is not used to directly identify any particular visitor. Performance cookies are used to improve how a website works.
“Functionality” cookies allow the website to remember any choices you make about the website (such as changes to text size, or customized pages) and enable services such as commenting on a blog.

Some of these cookies are provided by third parties. For example, we use analytics cookies to allow us to analyze statistics on the numbers of visitors to our websites and how users interact with different features on the websites. We also use social media cookies to construct visitor interest models and assess user habits. These cookies are also used to show you relevant advertising.

What if I don’t want cookies?

By using RealNet Payments LLC website and allowing tracking, you agree we can place cookies and other similar technologies on your device as explained above. If you want to remove existing cookies from your device, you can do this by using your browser options. If you want to block future cookies being placed on your device, you can change your browser settings to do this. For more information on managing cookies, see www.youronlinechoices.com/

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