Protection of Information
When users visit the Website or send an email to TCMI, technology is used to prevent unauthorized third parties from viewing and downloading user information. TCMI processes personal information on servers in the United States and protects it by maintaining physical, electronic and procedural safeguards such as: firewalls, secure sockets layer (SSL) encryption, uniform resource locator (URL) data encryption, file access privileges, physical server access controls, and authorizing access to personal information only for employees who require it to fulfill their job responsibilities.
TCMI may collect the IP address and domain names of all visitors to the Website in order to measure the Website's effectiveness and to determine ongoing improvements. TCMI may also collect the email addresses from email messages received. No IP addresses, domain names or email addresses will be shared with or sold to any other company or individual.
If TCMI Services are used, the following types of information may be collected:
· Contact information – user name, address, phone, email, Skype ID and/or other
· Financial information – the full bank account numbers and/or credit card
numbers that the user has provided through the Website.
How Personal Information May Be Used
The primary purpose in collecting personal information is to provide the user with a secure, smooth, efficient, and customized experience.
Personal information may be used to:
· provide the requested TCMI Services and customer support;
· process transactions and send notices about user transactions;
· resolve disputes, collect fees, and troubleshoot problems;
· prevent prohibited or illegal activities;
· customize, measure, and improve the TCMI Services and the content and layout of
the Website and applications; and/or
· compare information for accuracy and verify it with third parties when necessary.
How Personal Information May Be Shared with Other Parties
Personal information may be shared with:
· Service providers who support TCMI Services such as fraud prevention, bill collection, marketing, and technology services, among others. These service providers may only use user information in connection with TCMI Services they perform and not for their own benefit;
· Credit bureaus to report account information, as permitted by law;
· Banking partners as required by credit card association rules; and/or
· Law enforcement, government officials, or other third parties when:
o TCMI is compelled to do so by a subpoena, court order or similar legal
o it is necessary to comply with law or credit card rules;
o disclosure is necessary to prevent physical harm or financial loss or to report illegal activity; and/or
o the user consents or directs TCMI to do so.
TCMI will not sell or rent any personal information to third parties for their marketing purposes and only shares personal information with third parties as described in this policy.
How Cookies Are Used
When a user accesses the Website, cookies may be placed on user computers. Cookies may be used to customize TCMI Services, content and advertising; measure promotional effectiveness; and promote trust and safety. Cookies may be sent to user computers when using the Website or TCMI Services. Cookies may be used for other purposes such authentication, storing site preferences, shopping cart contents, the identifier for a server-based session, or anything else that can be accomplished through storing text data. Cookies may be encrypted for information privacy and data security purposes. Cookies may be set by the server with or without an expiration date.
If permitted by the user’s browser, cookies may be declined. However, web site functionality as identified above may no longer be available.
Cookies may be encountered from third parties via links made available on the Website which cannot be controlled by TCMI (for example, if a user views a website created by a third party or uses an application developed by a third party, there may be a cookie placed by that webpage or application).
The Website may include links to other websites on the Internet as a convenience to Website users. The inclusion of any link does not imply TCMI’s endorsement of any other company, its products, services or privacy practices. Furthermore, TCMI is not responsible for personal information voluntarily disclosed by users to third parties that are contacted through links on the Website.
No data transmission over the Internet can be guaranteed to be 100% secure. As a result, TCMI cannot ensure or warrant the security of any information transmitted to the Website over the Internet. TCMI makes every attempt to ensure the security of all information collected on the Website.
The content of the Website is appropriate for, but not targeted to, children under the age of 13. TCMI does not market products or services to this age group.
The Trust Company of the Marshall Islands, Inc.
P.O. Box 2095
Reston. VA 20195-0095 USA
To ensure a response, please include appropriate contact details including full name, address, telephone number and email address.