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PIXELS 3 columns Industries /
Financial Services / Resource center TeleKey
is committed to protecting your privacy. If
you are comfortable with TeleKey's handling of
information we collect, you do not need to take any
action at this time. Please read this policy and
keep it for your records. This policy
applies to all companies within the TeleKeyGroup
family of companies. A list of those companies is
included at the end of this policy. If TeleKey
changes its information practices, we will provide
you notice of any material changes. This Privacy
Policy supersedes all previous notices or
statements with respect to subject matters
described in this policy. The policy applies to
you The descriptions
in this Policy apply to our relationships with
individual consumers who inquire about and/or
obtain products or services from TeleKey for
personal, family and household purposes.
While this
Policy does not apply to business accounts, our
commercial customers' information is also very
important to us. We also respect the privacy of our
commercial customers, and take steps necessary to
protect their information. Strict
security measures TeleKey takes
the security of information very seriously and has
established security standards and procedures to
prevent unauthorized access to customer
information. These standards exist for both our
physical server facilities and our online services.
We maintain physical, electronic and procedural
safeguards that comply with federal standards to
guard consumer information. Limited
employee access To protect you,
TeleKey has policies and procedures to limit
employee access to information to only those
employees with a business reason for accessing such
information. TeleKey educates its employees about
the importance of confidentiality and customer
privacy. We take appropriate disciplinary measures
to enforce employee responsibilities regarding
customer information. Why TeleKey
collects information TeleKey collects
information about you to: * Accurately
identify you; * Protect and
administer your records, accounts, and funds;
* Help us design
or improve our products and services; * Understand
your financial needs; * Save you time
when you apply for new products and services;
* Offer you
quality products and services; and * Comply with
certain laws and regulations. We collect information
from: * Applications
and other forms that you provide to us (information
such as your name, address, social security number,
assets, income and investment objectives);
* The
TeleKeyGroup family of companies on transactions
you've conducted (information such as your account
balance, payment history, parties to transaction
and debit card usage); * Nonaffiliated
companies, external to TeleKey, on transactions
you've conducted (information such as your account
balance, payment history, parties to transaction
and credit card usage); * Outside
sources that assist us in the origination of
products and services like brokers, dealers,
educational institutions (such as, application
information and transaction information);
* Credit
reporting agencies and demographic data companies
(information such as your creditworthiness, credit
history and demographic information); and
* Public sources
such as federal, state or local records,
(information such as mortgage and other lien
information). TeleKey has
established procedures so that the financial
information we collect is accurate, current and
complete. TeleKey is committed to work with you to
promptly correct any inaccurate information.
The selective
sharing of information Depending on the
type of relationship you have with TeleKey, we may
share information within the TeleKeyGroup family of
companies, as well as with unaffiliated third
parties external to TeleKey. TeleKey reserves the
right to share all information we collect as this
policy describes. We also disclose
information to complete transactions initiated by
you, when you request or authorize the disclosure,
or if the disclosure is required by law. At times
it is necessary to disclose information to enforce
or apply the terms and conditions of an agreement
we have with you and to protect the rights,
property, or safety of TeleKey, our customers, or
others. This includes exchanging information with
other companies and organizations for fraud
protection and credit risk reduction. Sharing
within the TeleKeyGroup family We share
information about you within the TeleKeyGroup
family of companies in order to provide you
complete financial solutions. Under the law,
TeleKey is permitted to share identification
information within the TeleKeyGroup family of
companies, as well as information related to the
transactions and experiences we have with our
customers. TeleKey engages in many businesses, for
example, banking, mortgage lending, brokerage and
investment services, trust administration, asset
management and insurance. Sharing information among
these businesses increases your access to our
products and services, allows us to match our
products and services to your specific needs, and
simplifies transaction flows. For instance, we have
developed systems that automatically complete some
application forms for new products with information
we have previously obtained from you. This shortens
the processing time for you. In most instances,
without this type of sharing you would be required
to provide identical information each and every
time you seek out a TeleKey product or service.
Sharing with
carefully selected companies We disclose
information to nonaffiliated third parties with
respect to marketing our own products and services,
as well as those products or services we offer
jointly with other financial institutions. These
"marketing partners" include: * Marketing
service providers who market our products and
services and products and services of other
financial institutions with whom we have joint
marketing agreements; and * Other
financial institutions with whom we have entered
into an agreement to jointly market financial
products or services. In addition, we
share information with unaffiliated third parties
so that they may offer you additional products and
services we believe are beneficial to you. These
third parties include: * Financial
service providers, such as mortgage
bankers-brokers, securities broker-dealers,
indirect loan originators, correspondent lenders,
transaction processors and insurance
agent/companies; * Non-financial
companies, such as retailers; * Others, such
as non-profit organizations. We also disclose
information to nonaffiliated third parties as
permitted by law. For example, we provide
information to outside companies to perform
services on our behalf, such as loan servicing,
data analytics, bill payment, account aggregation
services, e-mail services, mail house services,
printing and account statementing; to government
entities to respond to subpoenas; and to credit
reporting agencies. Whatever the
reason for sharing information we require strict
confidentiality by the receiving parties and limit
the use of the information to the purpose for which
it was disclosed. Former
customers If you end your
relationship with TeleKey, we will adhere to the
information policies and practices described in
this policy, as well as your opt out election with
regard to information we have collected on you.
Protecting
your information online If you request
information through http://www.speedollars.com, use
online tools and calculators, apply online for
products, subscribe to online services, complete an
online form, or conduct transactions online (e.g.
internet or wireless device), TeleKey and certain
unaffiliated third parties with which we partner to
deliver online products and services may retain the
information you provide. To ensure your online
banking and/or online application of products and
services is secure, we use technology that
encrypts, or scrambles information so it can
transfer privately between you and TeleKey's
network. Additionally, your online banking
information is securely linked to you through the
use of a unique login I.D. and its associated
password. Account
aggregation As a subscriber
to this service, TeleKey will collect and display
your TeleKey and non-TeleKey account data for you.
TeleKey may use the data captured through this
service in aggregate form to help us better
understand general consumer behavior. The
information is kept in aggregate form and cannot be
used to identify you. With your permission, TeleKey
may use your data to market select competitive
products or services to you. Online
surveys This information
is used solely for research purposes. You are not
identified to any of this information; we use this
information only in aggregate form to help us
develop a superior web site. E-mail If you agree to
receive e-mail messages from TeleKey, we will
retain the information you provide us to deliver
e-mails of specific interest to you. If you choose
to send us e-mail, we may retain the content of
your e-mail message, your e-mail address, and our
subsequent response. Please be careful about the
information you provide to us by e-mail; as with
any public web site, this channel of communication
is not necessarily secure against interception.
Cookies A 'cookie'
allows TeleKey to determine that a visit has
occurred within our site, as well as which pages
were viewed. A cookie is NOT used to identify you
and will not collect personal information. You
remain anonymous throughout your visit. Cookies are
commonly used on web sites and do not harm your PC.
You can decide if and how your computer will accept
a cookie by configuring your preferences or options
in your browser. Children
online Protecting
children's identities and information online is
important. TeleKey does not knowingly solicit data
from children online, nor do we market our online
products and services to children. Additional
rights You may have
other privacy protections under state laws and we
will comply with applicable state laws with regard
to our information practices. YOUR
OPTIONS If you prefer
that TeleKey not share information about you, you
may restrict information sharing (other than those
disclosures permitted by law). Such an election
means you "opt out" of information sharing. It is
important to understand that an election to opt out
of information sharing does not prohibit TeleKey
from contacting you about additional products or
services. It only restricts the sharing of
information with unaffiliated third parties and/or
within the TeleKeyGroup family of companies. The
types of information that may be shared and the
categories of companies with which it may be shared
are those discussed in this policy. The opt-out
options only apply to individual consumers who have
obtained or sought out products or services for
personal, family or household purposes. If you choose to opt
out, you have two separate options. 1. External
Sharing - Unaffiliated Third Parties. You may elect
to opt out of information sharing with unaffiliated
third party companies that are not part of the
TeleKeyGroup family of companies. Even if you opt
out, we may still continue to share information
with our marketing partners and with other
nonaffiliated third parties as permitted by law.
2. Internal
Sharing - TeleKeyGroup family of Companies. You
also have the right to opt out of information
sharing among the TeleKeyGroup family of companies.
Limiting the information TeleKey may share within
its corporate family may restrict our ability to
provide you with the best and most comprehensive
products and services. For example, this may affect
our ability to offer you certain combined products
and statements, or to offer you more competitive
products that may be available to you based on your
total TeleKey relationship. If you elect to opt out
of information sharing among TeleKey's affiliates,
TeleKey is still permitted by law to share
identification information and information we have
on our experiences or transactions with you within
the TeleKeyGroup family of companies. Your election to
opt out will apply to all products and services you
obtain within the TeleKeyGroup family of companies
for personal, family or household purposes, either
singly or jointly with others. If you have a
product or service jointly with another person(s),
each of you may opt out individually or for each
other. If you elect to opt out, information about
other joint parties to your products and services
may be disclosed unless their information has also
been opted-out. For more
information, or to opt out If you would like more
information about your options, or wish to opt out
of information sharing, please call 1-702.939-4725
or Email:
telekey@smart90.com.
If you have previously opted out of internal or
external information sharing, please be assured
that your election will remain effective. You do
not need to call unless you wish to change your
election. Your
relationship with TeleKey is a way for you to gain
access to complete, customized financial solutions.
We offer innovative products and personal
attention. At the same time we work hard to protect
the confidentiality and security of information.
Thank you for allowing us to provide you with the
financial products and services you need.
TeleKeyGroup
Finance Ltd.; TeleKey DomainBank Services, Ltd.;
Speedollars.com; TeleKey Trade & Bankers
Acceptance Company; Signet Credit Card; Active
Assets Accounts; Signet Speedollar Backup Card /
Genie ATM Banking System. Because
of the confidential nature of most Takeout Letters
and Letters of Credit and Bankers Acceptance
Agreements -- the new international TeleKey
communications group member is required to file an
in-depth application, (financial statements, etc.).
To apply, an Email from your company headquarters,
requesting membership must be written on the form
provided by the TeleKey Group. Because of the
nature and private placement of our funding
sources, Applicants must sign a 5-year,
Non-circumvention Agreement during
negotiations. The
cost is based on the financial/communication
service requested. Thank
you To request
Application Go directly to -- E-mail:
telekey@smart90.com
or telephone or Fax: Tele/Fax:
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Privacy
Statement
CREDIT
CARDS / CHINA Yes90 tviNews Report
"Jockey Club"
RadioPlayMusic
Credit
cards: Conduits for value creation in Chinese
retail banking
With domestic and foreign competitors encroaching
and both private and governmental shareholders
seeking additional capital, China's mid-tier banks
are struggling to improve their financial standing
and fund future growth. Meanwhile, the Chinese
government is promoting consumer spending as one of
its pillars for continued national economic
expansion. But is there opportunity to do both
shore up bank valuations while simultaneously
encouraging economic growth? The credit card
business seems to offer a plausible answer but only
if banks can enter the market quickly and reach the
point of profitability sooner than competitors.
(posted 2004)
As
a Financial Trade Acceptance and Credit Card
company, since 1968, and as a communications and
InterNet and domain service provider since 1991, we
know that your trust in us is of central
importance. This policy discloses our information
use policies and practices in detail. Please read
it to learn more about the ways we protect the
information we collect, and to find out how you can
limit the information about you that we share
within the TeleKeyGroup family of companies, and
with unaffiliated third parties external to
TeleKey. Be aware that limiting information sharing
may result in you not learning about all the
opportunities that may be important to you.
The
TeleKeyGroup family of companies is:
The TeleKey Group
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