NexTrust Privacy Policy

Effective July 9, 2020 

Introduction

Protecting the privacy of your personal information is important to us, and we appreciate your trust that we will do so carefully and sensibly. This Privacy Policy describes how NexTrust, Inc. collects, uses, discloses, and safeguards your personal information through BillFlash.com (this “Site”), related BillFlash services, any affiliated websites, devices, and applications that reference this Privacy Policy (together “BillFlash Services”). It also describes how you can review and request updates to your information.

By using this Site or BillFlash Services, you are consenting to the practices described in this Privacy Policy.

Privacy Statement

We do not rent or sell your personal information.

Information We Collect About You and How we Collect It

Here are the types of personal information we collect about you:

1. Information You Give to Us
   • You provide us with information in various ways including when you enroll, fill out forms, or update your account profile on Site; communicate with us by phone, email, or otherwise; complete a questionnaire, support ticket, or contest entry form; and search Site.
   • As a result of these actions, you might give us information including identifying information such as your name, address, phone numbers, email addresses, title, business information, payment information, and taxpayer identification.
   • You may choose not to provide certain information, but then you might not be able to use any or all of our services.
2. Automatic Information
   • We may automatically capture and save certain types of information about your use of and interaction with Site. Like many websites, we may use cookies and other identifier technologies (collectively “cookies”), and we obtain various types of information when your web browser, computer, or device accesses Site and any other content served by or on behalf of NexTrust on other affiliated websites.
   • Examples of information we may automatically collect and analyze include: the IP address and browser used to connect your computer to the internet; sign in username and password; computer or device information including platform, operating system, location, and time zone; content interaction information including the full URL clickstream with Site; services metrics such as your interactions with service features and content, your settings, and the occurrences of any technical errors; and the phone numbers used to call us.
3. Information from Other Sources
   • We might receive information about you from other sources.
   • For example, we may receive updated business information such as name, address, contacts, billing system, services used, and payment information, from our services resellers or our affiliated merchant account processing partners.

Use of Cookies and Other Identifier Technologies

We use cookies and other identifier technologies (collectively, “cookies“) to recognize your browser or device, learn more about your interests, provide you with essential features and services, and improve our services.

For example, we may use cookies to specifically: recognize you when you sign-in to Site, which then allows us to personalize your experience; keep track of your preferences; conduct research and diagnostics to improve BillFlash Services; and improve security and prevent fraudulent activity.

You manage cookies through your browser settings that generally include letting you set when and how you want to accept, be notified, and block cookies. However, if you block our cookies it will likely result in reduced functionality at Site.

Use of Your Personal Information

We use your personal information to provide BillFlash Services for you and for the following related purposes:

1. Provide BillFlash Services.We use your personal information to provide functionality; to receive, process, and support the services you request from us; to administer your account; and to communicate with you (e.g., by phone, email, or chat).
2. Recommendations and personalization.We use your personal information to recommend features and services that might be of interest to you, identify your preferences, and personalize your experience with BillFlash Services.
3. Troubleshoot and improve our services.We use your personal information to analyze performance, fix errors, and improve the usability and effectiveness of BillFlash Services.
4. Prevent fraud.We may use your personal information to prevent and detect fraud and abuse in order to protect the security of our customers, NexTrust, our affiliates, and others.
5. Comply with legal obligations.As required, we collect and use your personal information to comply with governing laws such as to comply with a subpoena or similar legal process.

Disclosing Your Personal Information to Third Parties

We may need to disclose your personal information to third parties in the following instances:

1. Business Partners.We contract with other companies to provide certain integrated services for you such as merchant account processing and debt collection services. When you elect any such service we will then disclose to the business partner the personal information needed for them to perform the requested service for you. These business partners are required to keep your personal information confidential and are not permitted to use it for any purpose other than to carry out the services they are performing for you.
2. Service Providers. We may disclose your personal information to companies that provide services to us such as companies that assist us in operating our Sites and vendors that assist us with product development and testing, surveys, and marketing. These service providers are required to keep your personal information confidential and are not permitted to use your information for any purpose other than to carry out the services they are performing for us.
3. Resellers. We may exchange personal information with your authorized NexTrust BillFlash Reseller.
4. Others: We may also share your personal information with other third parties when you separately consent to such sharing.
5. Business Transfers. As we continue to develop our business, we might sell or buy other services or businesses. In such transactions, customer information is generally transferred but remains subject to the promises made in any pre-existing Privacy Policy. Also, if NexTrust, Inc., or substantially all of its assets are acquired, customer information will be included in the transferred assets.
6. Protection of NexTrust and Others:We release account and other personal information when we believe doing so is appropriate to comply with the law; enforce or apply our Terms of Use and any other related agreements; or protect the rights, property, or safety of NexTrust, our customers, users, resellers or others. This includes exchanging information with other companies and organizations for fraud protection and risk reduction.

We may freely disclose deidentified or aggregated information that is not personally identifiable.

Protecting Your Personal Information

We maintain reasonable and appropriate administrative, technical, and physical security safeguards to protect your personal information from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. Although we attempt to protect the personal information in our possession, no security system is foolproof, and we cannot promise that your personal information will remain absolutely secure in all situations.

Retaining Your Personal Information

We will retain your personal information as needed to fulfill the purposes for which it was collected. We will retain and use your personal information as necessary to comply with our business requirements and legal obligations and to resolve disputes, protect our assets, and enforce our agreements.

Links to Third-Party Websites

The Site may contain various links to third-party websites. We are not responsible or liable for the privacy practices or content found on those websites. You should check the privacy notice and policies of each website you visit. Links to third party sites are provided solely for your convenience and any use or submission of data to such sites shall be at your sole risk.

What Choices Do I Have?

1. As described above, you can choose not to provide certain personal information, but then you might not be able to use all of the BillFlash Services.
2. You can add or update certain information on certain Site pages such as in your account profile or by contacting Customer Care as described in the Contact Us section below.
3. You can manage cookie preference in your browser. Again, as described above, blocking our cookies my limit the BillFlash Services that are available to you and therefore we recommend that you accept our cookies to take full advantage of our services.
4. If you do not want to receive promotional email from us, you can unsubscribe on the received email.

In addition, to the extent required by applicable law, you may have the right to request access to or delete your personal data. If you wish to do any of these things, please contact Customer Care as described in the Contact Us section below. Depending on your data choices, certain services may be limited or unavailable.

Children

BillFlash Services are not intended for children under 18 years of age. If you are under 18, you may use BillFlash Services only with the involvement of a parent or guardian. We do not knowingly collect personal identifiable information from children under the age of 13 without the consent of the child's parent or guardian. If we are made aware of collecting information from a child under 13, we will delete this information.

California Consumer Privacy Act

If you are a California resident, you can make certain requests regarding your personal information as required under the California Consumer Privacy Act (“CCPA”). We will fulfill each of these requests to the extent required by law.

1. What personal information do you collect about me? If you make this request, we will return to you:

• The categories of personal information we have collected about you.
• The categories of sources from which we collect your personal information.
• The business or commercial purpose for collecting or selling your personal information.
• The categories of third parties with whom we share personal information.
• The specific pieces of personal information we have collected about you.
• A list of categories of personal information that we have sold, along with the category of any other company we sold it to. Any of the categories of personal information that we collect could be included in a sale to other companies, including those within our corporate family. If we have not sold your personal information, we will inform you of that fact.
• A list of categories of personal information that we have disclosed for a business purpose, along with the category of any other company we shared it with.

You can ask us to provide you with this information up to two times in a rolling twelve-month period. When you make this request, the information provided may be limited to personal information we collected about you in the previous 12 months.

2. Delete My Personal Information. You have the right to ask that we delete your personal information. Upon receiving your request, we will delete the personal information (to the extent required by law) as of the date of your request and direct any third-party service providers to do the same. In some cases, deletion may be accomplished through deidentification of the information. If you choose to delete your personal information, you may not be able to use certain BillFlash Services that require such information.
3. Stop Selling My Personal Information. We do not sell your personal information for monetary or other valuable consideration.

We will not discriminate against you for exercising your rights. This generally means we will not deny you services, charge different prices or rates, or provide a different quality or level of service.

To exercise your California privacy rights described above, please contact Customer Care as described in the Contact Us section below.

Privacy Policy Revisions

Our business changes continuously such that this Privacy Policy will change also. Accordingly, we reserve the right, at any time, to modify this Privacy Policy. If we make significant changes to our Privacy Policy, we will post those changes in this Privacy Policy on this Site. We include a revision date on this Privacy Policy. Please check our Privacy Policy periodically for changes.

Contact Us

We’re here to help you have a great experience with BillFlash Services. If you have any questions or concerns about this Privacy Policy, please contact Customer Care using the options found on the Site “Contact Us” page.