PLEASE READ THIS PRIVACY POLICY CAREFULLY BEFORE USING THIS WEBSITE
By using our services and viewing this Site, you are consenting to the information collection, use and disclosure practices described in this privacy policy.  The NDCP reserves the right to change this privacy policy at any time.  Please check this Privacy Policy periodically for changes.

INFORMATION COLLECTION AND PURPOSE SPECIFICATION
NDCP collects the data that you may volunteer while using our services, including without limitation, personal and business data when you register for services, information about your transactions with us, alternate contact information, a password which is used to protect your account from unauthorized access and other information from your interaction with the Site and transactions while utilizing our services.  

Personal information, business information and financial data, which may include, but is not limited to, your account number, business name, TIN, business address, business telephone number, business bank account information, the account holder’s name, date of birth, postal address, telephone number, or email address, is collected as a prerequisite to registered users being authorized to use the services.  In addition, you will be required to provide requested personal information for authorized users, including but not limited to name, date of birth and other similar information.  Information disclosures which are mandatory in order for registered users to use services from NDCP will be designated as such.  If you choose to provide NDCP with personal information, business information and financial data, you consent to the transfer and storage of that information on our servers located within the United States.

NDCP collects, uses, stores and otherwise processes personal information, business information and financial data about you for the following purposes:  (i) to enable you to access and use the Site; (ii) to maintain your account; (iii) to process your fund transfers and transactions; (iv) to enable us to provide any other services which you have requested through use of the Site; (v) to personalize aspects of our overall service to you; (vi) to provide customer support that you request, resolve disputes, collect fees and troubleshoot problems; (vii) to prevent potentially prohibited or illegal activities and enforce the Services Agreement; and (viii) to measure and improve our services, content and advertising.

COOKIES
In addition, NDCP’s servers automatically record information that your browser automatically sends when you visit any third party website.  NDCP stores, processes, maintains and may use this personal information in order to provide subscription and other services to you.  

NDCP may use cookies and other technologies to simplify your online experience and to better understand our users’ needs and preferences. “Cookies” are small pieces of information that are stored by your browser on your computer’s hard drive, that allow NDCP to identify you and link you to your NDCP account. “Cookies" are used on the NDCP Site to facilitate use of an area of the Site.  NDCP does not use "cookies" to collect and distribute information to third parties for marketing purposes. 

Visitors are able to send email through this Site, and their messages will contain their user's screen name and email address, as well as any additional information the user may wish to include in the message ("Contact Information").  Opportunities to send email or to subscribe to email distribution lists through the Site are provided solely to let individuals send comments and communications to us and to request information from us.  These messages are forwarded through the Site to the appropriate persons within the NDCP to respond, at their discretion, to the questions or comments or to provide the information requested. 

CONFIDENTIALITY AND SECURITY
NDCP is committed to the online privacy of its web site visitors and recognizes the need for appropriate protection and management of any personally identifiable information. NDCP maintains physical, electronic and procedural safeguards to guard your personal information. 
All NDCP employees, data processors and co-hosting facilities who have access to and are associated with the processing of unencrypted personal data are obligated to respect the confidentiality of your personal data and have agreed to be bound by the terms of the Privacy Policy and such other confidentiality and security measures as NDCP determines necessary.  NDCP will take appropriate and up to date measures to protect your personal information.  However, no data transmission over the Internet can be guaranteed to be totally secure, and third parties may unlawfully intercept or access transmissions or private communications.  As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information which you send to us, and you do so at your own risk.

DISCLOSURE OF INFORMATION
NDCP does not provide personally identifiable information to unaffiliated third parties for their use in marketing directly to you. NDCP may use unaffiliated third parties to help it maintain and operate its website or for other reasons related to the operation of its business, and those companies may receive your personally identifiable information for that purpose. 

FORCED DISCLOSURE
Your personal data will only be disclosed (i) to government agencies and authorities where required by applicable laws or other regulations; (ii) to enforce our Terms and Conditions or the terms of this Privacy Policy; (iii) to detect, prevent or address issues relating to fraud, security breaches or other technical issues; or (iv) to protect against imminent harm to the rights, property or safety of the NDCP or other parties as may be required or permitted by applicable laws or regulations.

INDEMNIFICATION
You are entirely responsible for maintaining the confidentiality of your username(s), passwords(s), and your account(s), as well as all activities that occur under your account(s).  You hereby agree to indemnify, defend, and hold us, our agents, representatives and other authorized users, and each of the foregoing entities’ respective officers, directors, owners, employees, agents, representatives and assigns (collectively the “Indemnified Parties”) harmless from and against any and all losses, damages, liabilities and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of this Privacy Policy, the Terms and Conditions and the Services Agreement (if applicable), or claims arising from your NDCP account(s).  You agree to use your best efforts to cooperate with us in the defense of any claim.  We reserve the right, at our own expense, to employ separate counsel and assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

PRIVACY PRACTICES OF THIRD PARTIES, ADVERTISERS, VENDORS & OTHERS
This website may contain advertisements and links to other sites.  NDCP is not responsible for the content or privacy policies or practices of any advertisers or linked sites or for the content, privacy policies or practices of any third parties.  To the extent that you disclose personal information to any advertisers, linked sites or other third parties which are featured on our site, different rules may apply to their use or disclosure of personal information, and we encourage you to review their privacy policies before disclosing personal information to them. Each third party’s privacy policy, and not this Privacy Policy, governs how information that you provide directly to them is used.

CHANGES TO THIS PRIVACY POLICY
NDCP’s features and services may change over time and our information-gathering practices and policies may also change. While NDCP’s philosophy of protecting user information for inappropriate uses and disclosures will not change, this Privacy Policy will be updated occasionally to include any change that materially affects the collection, maintenance, use or disclosure of personal information. Other changes to this Privacy Policy that reflect refinements, improvements, updates and new features will be made as appropriate and posted as soon as possible. Whenever the Privacy Policy changes, NDCP will modify the date of the Privacy Policy to reflect that a change was made. 

CHILDREN
This website is intended for use by adults only. NDCP does not knowingly collect or use information from children. 

CONTACT US
If you have any questions about this Privacy Policy, the Terms and Conditions, the information practices of NDCP or your dealings with the NDCP Site, please use the link on our Contact Us page. 

Revision Date: 09/2014