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- TeleKey.org - 102 smart90.com/telekeygroup/


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Credit Cards
• 02. Privacy
03. Contact
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Since - 1968

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The TeleKey Group, centralizes its monetary sources from multiple sources into one personalized funding system, so employees, partners and customers get what they need, when they need it. On demand. Signet $peedollars is open, so it works with any of your current bank accounts. Combined with smart90 $peedollar dynamic interaction, everything from customer loyalty to in-house purchases can be made on the Web. Decisions are fast and informed. Project management becomes more mangeable.

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120 PIXELS 3 columns

CREDIT CARDS / CHINA Yes90 tviNews Report

Industries / Financial Services / Resource center
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)

Privacy Statement

TeleKey is committed to protecting your privacy.
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.

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.

The TeleKeyGroup family of companies is:

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.

Contact:

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
The TeleKey Group

To request Application Go directly to --

E-mail: telekey@smart90.com or telephone or Fax:

Tele/Fax: 310 499-4425

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