ACI Payments, Inc. Privacy Statement
Last Modified: March 25, 2020
The following updates were made in this version:
- Information required under the California Consumer Privacy Act ("CCPA") was added
ACI Payments, Inc. ("we," or "us") is committed to protecting your privacy and to gaining and maintaining
your trust by following a core set of principles:
- Transparency: We provide clear notice of privacy practices through this Privacy Statement so that you
can make informed decisions about data collection and use.
- Choice: If you choose to share personal information with us, ACI Payments, Inc. will identify the
options you have
controlling the use of this information. You are also given the opportunity to opt out of receiving certain
communications from or on behalf of us.
Access: ACI Payments, Inc. allows you to update or delete personal information that you have provided
products and services.
Security: We will protect the data you entrust to us through strong security and encryption.
Accountability: ACI Payments, Inc. responds to user inquiries, participates in industry programs, and
privacy practices that are consistent with applicable country, state, and local laws and regulations.
Your privacy is important to us. Please read this Privacy Statement carefully to understand what information ACI
collects from and about you, through our interactions with you and your use of our website,
acipayonline.com (the "Site"), products, or services, and
how we use and disclose that information. It
also describes your choices regarding use, access, correction, and deletion of your personal information.
1. User Acceptance of Privacy Statement
By using the Site, you accept and consent to the terms and conditions of this Privacy Statement, as may be
this Privacy Statement, we ask that you do not use the Site.
2. Information Collection
Information You Provide: In general, you can visit the Site without providing personal information.
However, ACI Payments, Inc.
collects the following personal information from you when you choose to provide it. Please note that, if you
decline to provide the requested information, you may not be able to take full advantages of the Site and
features, make a payment, or otherwise use ACI Payments, Inc.'s products and services.
Except as otherwise provided below under the "Information Use" section, when you supply information about
yourself for a specific purpose, we use that information only for the specified purpose and to fulfill our
regulatory or legal obligations or manage the security and internal operations of the Site.
- Registration, Account Access, and Payments: When you register, access your account information, or make a
payment online, we must collect certain information about you to create the account or to facilitate your
transaction. The types of information we may collect from you depend on the product or service you have with
us, and may include:
- Your name, mailing address, billing address, email address, and phone number
- Your bill payment (including payment amount and designated payee)
- Your credit or debit card or bank account numbers, expiration date, and cardholder or account
Social Security Number (SSN) and/or employer identification number (EIN)
- User name, your account number associated with the bill that you are paying, and any applicable
Online Surveys: At times, we may conduct online surveys to better
understand your needs, to provide
enhanced services, and to help you use the services and Site more effectively. If you participate in a
survey, we will request certain information, such as your name, email address, and ZIP code.
is completely voluntary.
Testimonials: We also display testimonials of satisfied customers and
endorsements on our Site.
your consent, we may post your testimonial along with your name. If you wish to update or delete your
testimonial, you can contact us at
Social Media: If you link to your Facebook or other social media
through the Site, we may
certain information about you based on your registration and privacy settings on those third-party
This information may include, but may not be limited to, your name, demographic information, updated
or contact information, location, interests, and account and other online activity.
Information Automatically Collected: When you use and interact with the Site, ACI Payments, Inc. uses
collect information about you automatically. For example, we may automatically collect browser type, device
type, operating system, the unique device identifier of any of your computer(s) or device(s) that are used
access the Site, software version, Internet Protocol ("IP") address, geolocation, phone model, phone
system, and the domain name from which you accessed the Site. We also may collect information about your use
the Site, including the date and time you visit the Site, the areas or pages of the Site that you visit, the
amount of time you spend viewing or using the Site, the number of times you return to the Site, other
click-stream or site usage data, emails that you open, forward, or click-through to our Site, and other
that you may visit.
We may use the following technologies to collect this information:
browser, and multimedia player settings, so you do not have to set them each time you return to
- Sign-in and Authentication. When you sign into the Site, we store a unique ID number and sign-in
time in an encrypted cookie on your device. This cookie allows you to move from page to page
the Site without having to sign in again.
- Social Media. The Site may include features provided by social media companies, such as the
"Like" and "Share" buttons. These features may collect your IP address and the page(s) you visit
the Site. In addition, they may set a cookie to enable the features to function properly.
Analytics. To provide our products and services and to improve your user experience on our Site,
number of unique visitors to a web page and to develop other statistics about the operations of
products and services.
Please note that most web browsers automatically accept cookies but provide controls that allow you
to block or delete them. For example, in most modern browsers, you can block or delete cookies by
clicking Settings > Privacy > Cookies. Instructions for blocking or deleting cookies in other
browsers may be available in each browser's privacy or help documentation. For more information on
controlling cookies, see Section 5 "Your choices and Opt Outs" below.
Log Files: We may automatically gather, or engage a third party to
certain data about our
and store it in log files. For this purpose, we use IP addresses to analyze trends, execute the Site,
users' activities, and gather broad demographic information for aggregate use. We may combine this
collected log information with other information that we collect about you. We do this to improve the
we offer you, marketing, analytics, or Site functionality.
Local Storage: We use Local Storage, such as HTML5, to store content
information and preferences on your
device. Third parties with whom we partner to provide certain features on our Site or to display
based on your browsing activity also use HTML5 to collect and store information about you. Various
may offer their own management tools for removing HTML5.
Information Collected from Other Sources: We may acquire information from other trusted sources to
supplement the information that you provide or that we collect automatically (such as information to
update your address or other demographic and lifestyle information). We may use this information to help us
maintain the accuracy of the information that we collect, to target our communications so that we can inform
of products, services, or other offers that may be of interest to you, and for internal business analysis or
other business purposes.
Combination of Information: We may combine the information that we receive from and about you,
information you provide to us and information that we automatically collect through our Site, as well as
information collected offline, across other computers or devices that you may use, and from third party
3. Information Use
ACI Payments, Inc. may use the information collected from and about you in the following ways:
To process transactions and otherwise provide you with our products and services;
To maintain your account and allow you to register and create and access that account;
To enhance your Site experience, including by recognizing you and your Site preferences and settings;
To provide you with customized Site content, targeted offers, and advertising on the Site or on other
To contact you with information and other materials from us or on behalf of our partners and affiliates;
To respond to your inquiries and contact and communicate with you when necessary;
To review the usage and operations of our Site, develop new products or services, and conduct analysis
to enhance or improve our content, product, and services;
To use your data in an aggregated, non-specific format for analytical and demographic purposes;
To address problems with the Site or our business and to protect the security or integrity of the Site
or our business; and
As otherwise described to you at the point of collection or with your consent.
4. Information Disclosure
ACI Payments, Inc. may disclose the information collected from and about you in a number of ways. ACI
Payments, Inc. does not sell or
any of your personal information and will not share any of your personal information with third parties
in the circumstances described below, as otherwise described to you at the point of collection, or with your
- Service Providers: We may share your information with our business
partners, service vendors, suppliers, or other authorized third-party contractors who provide services
our behalf. We will only provide these third parties with the minimum amount of information necessary to
complete the requested service and will require that these third parties keep your information
and use it only for the limited purpose of completing the requested service.
Legal Matters and Safety: We may disclose your information to cooperate
investigations of suspected fraud
or other illegal activity, including situations involving potential threats to the physical safety of
related to our services, or the rights of any third party; when we are obliged or permitted by law to do
such as in response to a court order, subpoena, judicial process, or government request or
when we suspect fraudulent or criminal activities.
Aggregate Non-Personal Information: We share de-identified
non-personal, statistical or demographic data with our business partners or for public relations and
marketing purposes. For example, we may reveal the percentage of our customers who make payments with a
credit card versus a checking account.
Merger or Acquisition: We reserve the right share your information in
event that ACI Payments, Inc. merges with or is acquired by another company. Should such a merger or
will notify you via a prominent notice on our Site, and use reasonable efforts to try to require that
other company use personal information provided through this Site in a manner that is consistent with
Select Third Parties: ACI Payments, Inc. may disclose personal
information to select
partners, affiliates, and third
parties (e.g., financial service providers) with which it has joint marketing agreements and that we
may have offers of interest to you.
5. Your Choices and Opt Outs
Tracking Options and California Do Not Track Disclosures: You may adjust your browser or operating
settings to limit tracking or to decline cookies, but by doing so, you may not be able to use certain
features on the Site or take full advantage of all of our offerings. Check the "Help" menu of your browser
or operating system to learn how to change your tracking settings or cookie preferences. On your mobile
device, you can adjust your privacy and advertising settings to limit tracking for advertising or control
whether you receive more relevant advertising.
Please note that our systems may not recognize Do Not Track headers or requests from some or all browsers.
choices with respect to the collection and use of data by these third-party tools, please click here or here.
You can also opt out of data collection or use by some third-party analytics providers by clicking the
Your Rights with Respect to Your Personal Information:
ACI Payments, Inc. honors our commitment for
individuals to exercise their data privacy rights. If you'd like, you may:
Request access to and the correction of personal information collected from and about you on the Site.
You may also update the personal information associated with your profile by visiting your account.
Cancel your account or request that we no longer use your information to provide you with any services.
Erase or, in some instances, object to the processing of your personal information.
To exercise these rights, contact us by submitting this
request form. You may also contact our Chief Privacy
Officer, at firstname.lastname@example.org.
Please do not send us your personal information, other than your
name and email address, via email. We will respond to your request to access within a reasonable timeframe.
We will retain your information for as long as your account is active or as needed to provide you with
services. In addition, we will maintain and use your information for as long as necessary to comply with our
legal obligations, resolve disputes, and administer our agreements.
Opting Out: We provide consumers with the ability to opt out of receiving certain communications from
ACI Payments, Inc.:
Marketing Communications: By default, if you are a U.S. resident and
provide us with your email address, we will send you emails about new or additional services from which
you may benefit. In addition, if available in your area, you may opt in to receive autodialed marketing
SMS text messages from ACI Payments, Inc. Message frequency depends on information such as your
and message and data rates may apply. Receiving autodialed SMS text messages is not a condition of
purchasing a product or service. To opt out of marketing communications from ACI Payments, Inc., you may
email us at
You may also opt out of receiving marketing emails from ACI Payments, Inc.
by clicking the "Unsubscribe" link found at the bottom of the email. You may also opt out of receiving
marketing SMS text messages by replying STOP. We will send you a single message confirming your opt-out.
Transaction- or Account-Related Communications: As a default, we may
contact you via email or SMS text
message to confirm or remind you of an upcoming payment (e.g., a quarterly tax payment) or to notify you
of a scheduled or successfully completed Auto Payment. To opt out of these communications, you may email
us at email@example.com.
You may also opt out of receiving these SMS text
messages by replying STOP. We will send you a single text message to confirm your cancellation.
6. Information Sharing with Unaffiliated Third Parties
If you provided ACI Payments, Inc. with permission to share your personal information with unaffiliated
third parties for
their marketing purposes, you may opt out of such disclosure by contacting us at
7. Data Storage and Privacy Shield
Your personal information will be transferred to, stored and processed on servers in, and subject to the
laws of the United States, where data protection and other laws may differ from those of your country of
residence. To help ensure we respect your data privacy rights and protect the transfer of your personal
information to the United States, where it will be processed and stored, we comply with the EU-U.S. Privacy
Shield Framework and Swiss-U.S. Privacy Shield Framework, as set forth by the U.S. Department of Commerce,
We also require that our third-party service providers comply with the Privacy Shield or another mechanism
permitted under applicable EU and Swiss data protection law(s) for the transfer and processing of personal
information. To learn more about the Privacy Shield program, and to view our certification page, please
visit https://www.privacyshield.gov. In certain situations, ACI
may be required to disclose your personal
information in response to lawful inquiries or requests by public authorities,
including to meet national security or law enforcement requirements and to respond to judicial process, in
countries in which we operate.
The U.S. Federal Trade Commission has jurisdiction over ACI Payments, Inc.'s compliance with the Privacy
Shield. If you
have any questions or concerns, please contact us at firstname.lastname@example.org.
If you have
an unresolved concern after contacting us directly, please contact our U.S.-based third-party dispute
resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.
conditions, more fully described here, you may be entitled to invoke binding arbitration when other dispute
resolution procedures have been exhausted.
ACI Payments, Inc. recognizes the importance of children's safety and privacy on the Internet. For this
reason, we do not
intentionally collect personal information from children under the age of 13, nor do we offer content
targeted to children under 13.
The security of your information is very important to us. We take commercially reasonable precautions
consistent with applicable regulatory requirements and applicable published security standards, including
encryption as outlined in the Payment Card Industry Data Security Standard (PCI DSS), to protect the
personal information submitted to us. However, no method of transmission over the Internet or method of
electronic storage is 100% secure. As a result, we cannot guarantee absolute security.
10. Links to Other Sites
The Site may contain links to other third-party sites, which may have privacy policies that differ from our
own. Please note that we are not responsible for the practices of these third-party sites, and they are not
covered by this Privacy Statement. We encourage you to be aware when you leave our Site and to review the
privacy policies of these sites.
11. Revisions to Privacy Statement
We may amend this Privacy Statement from time-to-time, and at any time. If we make updates, we will revise
the "Last Modified" date posted at the top of this Privacy Statement. Any updates to the Privacy Statement
become effective when we post the updates to our Site. If we make any material changes, we will notify you
by email or by a notice on this Site prior to the change becoming effective. ACI Payments, Inc. encourages
periodically review the Privacy Statement for changes. Your continued use of the Site following the posting
of changes will mean that you accept those changes.
12. Other Important Information
California residents: In accordance with California law, we will not share information we collect
about you with companies outside of ACI Payments, Inc. except as required or permitted by law. For example,
we may share
information to service your accounts, complete requested transactions, or to provide rewards or benefits to
which you are entitled.
If you are a California resident, in addition to any other rights described in this policy, you have the
You may request, up to two times each year, that we disclose to you the categories and specific pieces
of personal information that we have collected about you, the categories of sources from which your
personal information is collected, the business or commercial purpose for collecting your personal
information, the categories of personal information that we disclosed for a business purpose, any
categories of personal information that we sold about you, the categories of third parties with whom we
have shared your personal information, and the business or commercial purpose for selling your personal
information, if applicable.
You may request that we delete any personal information that we have collected from you.
You may exercise these rights by submitting this request form, by calling 1-800-485-0804, or by
contacting us at the email or mailing address in the “Contact Us” section below.
We will verify your identity using the personal information we have already collected about you. Any
additional information you provide to us to verify your identity in connection with the submission of
your request will not be used for any other purpose and will be deleted once your identity has been
You may also designate an authorized agent to exercise these rights on your behalf by providing them
with your written permission to do so and registering them with the California Secretary of State.
If you exercise any of the foregoing rights, we will not discriminate against you, such as by denying
you access to our products or restricting your access to products of certain pricing or quality. There
is no fee for exercising your rights.
For purposes of compliance with the California Consumer Privacy Act, we make the following disclosures
covering the prior 12 month period:
We collected the following categories of personal information from California residents: Identifiers,
personal information described in Cal. Civ. Code 1798.80, commercial information, internet or other
electronic network activity information, and geolocation information.
We disclosed the following categories of personal information about California residents for our
business purposes: Identifiers, personal information described in Cal. Civ. Code 1798.80, commercial
information, internet or other electronic network activity information, and geolocation information.
We did not sell the personal information of any California resident.
Nevada residents: ACI Payments, Inc. does not sell the personal information of consumers. Nevada law
Nevada residents the right to request that their personal information not be sold at any time, regardless of
our current business practice. If you are a Nevada resident and wish to exercise this right, please submit
your request by submitting request
Texas residents: If you have a complaint, first contact ACI Payments, Inc. at 1-800-487-4567 or email
you still have an unresolved complaint, please direct your
complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294;
1-877-276-5554 (toll free); http://www.dob.texas.gov/
Vermont residents: In accordance with Vermont law, we will not share information we collect about you
with companies outside of ACI Payments, Inc. except as required or permitted by law. For example, we may
to service your accounts, complete requested transactions, or to provide rewards or benefits to which you
13. Contact Us
If you have any questions or comments related to this Privacy Statement, please contact our Chief Privacy
Officer, via email at email@example.com
ACI Worldwide – ACI Payments, Inc.
Attention: Chief Privacy Officer, Risk Management
3520 Kraft Road, Suite 300
Naples, FL 34105