A. Overview
In order to operate the Chronocash Card service and to reduce the risk of fraud, we must ask you to provide information about yourself and your funding credit card and/or bank account. Chronocash takes the privacy of your personal information very seriously and will use your information only in accordance with the terms of this Privacy Policy. We will not sell or rent your personally identifiable information or any other non public personal information to third parties except as set forth in Part D below. As described in more detail in Part D below, there are limited circumstances in which some of your personally identifiable information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy.
By using the Chronocash service, you expressly consent to our collection and use and disclosure of your personal information in the manner described in this Privacy Policy.

Please note that your personally identifiable information will be stored and processed on our computers in the Bahamas , Seychelles, Canada and St Vincent & The Grenadine. The laws on holding personal data in the Bahamas, Seychelles, Canada and St Vincent & The Grenadine respect the most high level of privacy but they can be less stringent than the laws of your country but Chronocash will hold and transmit your personally identifiable information in a safe, confidential and secure environment. If you object to your personally identifiable information being transferred or used as described in this Privacy Policy, please do not register for a Chronocash Card

This Policy may be revised over time as new features are added to the Chronocash service or as we incorporate suggestions from our account holders. Any material changes will be effective immediately. If you no long have a valid Chronocash Card, you will not be contacted to notify you of the amended Policy and your personally identifiable information will not be used or disclosed in this new manner. The amended Privacy Policy will always be posted on our website. Please check the Chronocash website at www.chronocash.com at any time for the most current version of our Privacy Policy.

The Chronocash website may include links to third party websites. These sites are governed by their own privacy statements and policies, and Chronocash is not responsible for their operations, including but not limited to their information practices.

B. What information of yours we collect
We collect non public personal information about you from the following sources:

- Information we receive from you through online applications or other online forms used to set up a Chronocash Card, such as your name, address, phone number, e-mail address, and credit card.

- We also collect the Internet address (IP address) of the computer or device you use to access your Chronocash Card Members Area, the type of browser you use and the times you access our website. If you send us correspondence, including e-mails and faxes, we retain such information in the records of your card. We will also retain member service correspondence and other correspondence from Chronocash to you.

- Information we receive about you from third parties. In order to protect all our card holders against potential fraud, we verify with third parties the information you provide. In the course of such verification, we receive personally information about you from such services.

C. How your information is used
We use the personally identifiable financial information we collect about you in order:

- To provide the services you are requesting and to process your transactions. We use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform in relationship to your card as well as access the Chronocash members area

- If you are a registered Chronocash card holder, your member ID, name, e-mail address, date of sign-up, and whether you have verified you ID information. However, your bank account and other financial information will never be revealed to anyone, except if we are required to do so pursuant to a subpoena or other legal process.

. The Internet address (IP address) of the computer or device you use to access your Chronocash account, the type of browser you use and the times you access our website, are used in order to help detect possible instances of unauthorized transactions and to better understand our account holders' preferences better and to manage the load on our servers. We also use IP address information to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use. We retain correspondence records in order to measure and improve our member service, and to investigate potential fraud and violations of our User Agreement. We may, over time, delete these records if permitted by law.

Our use of cookies allow us to recognize you if you visit multiple pages in our site during the same session, so that you don't need to re-enter your password multiple times. Once you log out or close your browser, session cookies expire and no longer have any effect. In addition, we use cookies to process our referral program. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by Chronocash.

We also use your e-mail address to send you other types of communications that you can control, including Chronocash updates and member surveys. You can choose whether to receive some, all or none of these communications.

- As otherwise permitted or required by law. We share information with companies that help us process the transactions you request and protect our members' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers.

We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other illegal activity, or to conduct investigations of violations of our User Agreement. Specifically, this means that if we conduct a fraud investigation and conclude that one side has engaged in deceptive practices, we can give that person or entity's contact information (but not bank account or credit card information) to victims who request it. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action. We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you). We share aggregated statistical data with our business partners or for public relations. However, this aggregated information is not tied to personally identifiable information.

D. With whom your information may be shared
We share your information with only our financials and banks partner's..

These companies are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified Chronocash-related products or services, unless you have affirmatively agreed or given your prior permission for other uses. We may also share cookie information regarding whether or not a certain user is already registered with Chronocash with certain merchants with whom we have an official co-marketing relationship.


E. Security procedures
We restrict access to non public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with the most high level of safety to guard your non public personal information.

Your bank account information are stored only in encrypted form on computers. We test our security systems regularly and also contract with outside companies to audit our security systems and processes.

The security of your Chronocash and access to the members' area also relies on your protection of your Chronocash pin number and access password. You may not share your Chronocash password and PIN number with anyone. Chronocash representatives will never ask you for your pin number, so any e-mail or other communication requesting your password should be treated as unauthorized and suspicious. If you do share your Chronocash password or pin number with a third party for any reason, including because the third party has promised to provide you additional services, the third party will have access to your card and private members area and your personal information, and you may be responsible for actions taken using your password or pin number. If you believe someone else has obtained access to your password or pin number, please change it immediately by logging in to your account at www.chronocash.com and change your Profile settings under the "My Account" tab, in the even this includes your card pin number inform Chronocash immediately by telephoning Skype number “Chronocash”.

F. Correcting inaccuracies in your information
You can review the personal information you provided us and make any desired changes to such information, or to the settings for your Chronocash members area, at any time by logging in to your account on the Chronocash website and changing your preferences in the Chronocash Profile page of the "My Account" tab. You can also close your account by submitting a request to cardcancel@chronocash.com If you cancel your Chronocash, we will mark your card in our database as "Cancelled" but will keep your account information in our database for the next seven years.

This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by cancelling the card and issuing a new card. However, if you cancel your card information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, or as required by law.

Your card will automatically be renewed by Chronocash every 2 years. Payment for this will automatically be taken from the credit card you made payment from initially. If you wish to cancel this renewal process you must inform Chronocash 90 days before the renewal date. Failure to do this will result in your card being renewed and no refunds will be issued.

Children

Children are eligible to use our service with the express permission of the parent or guardian.

Compliance

With respect to our privacy practices and our compliance with this Privacy Policy, Chronocash is regulated by laws of the United states of America, Chronocash card is managed and owned by Pay Mobile Technologies, Inc, with his office located to 200 SW First Avenue, Suite 820,Fort Lauderdale Florida 33301 USA

What is an ATM card?

An ATM card is a plastic card that looks like a credit card. It allows you to do the same things at a bank machine or Automatic Teller Machine (ATM) as you would at a bank. You can get cash, deposit money, check account balances, and receive a copy of your statement--all electronically-- by using your ATM card and the password to your account, which is called your Personal Identification Number, or PIN.
For many accounts, banks can issue you debit cards, in the form of basic Automated Teller Machine (ATM) cards, that let you obtain 24 hour access to money in your account through ATM cash machines, or more sophisticated debit cards that let you use ATM machines plus use your debit card for purchases.
When you use a debit card, funds come directly out of your account (just like writing a check). And because ATM withdrawals and purchases are listed on your monthly statement you can track your spending.
Certain debit cards may have the logo of a familiar credit card company on them. Do not be confused. These cards are designed to provide you the convenience of making purchases wherever such credit cards are accepted (millions of businesses worldwide), but the purchase amounts are subtracted directly from your account and listed on your monthly statement. Debit cards do not extend you credit or generate separate bills. They also do not help you build a credit record, which may be important if you intend to purchase a car or home.
Your bank will provide you with a personal identification number (PIN) to use with your card, which is essentially a password for electronic access to your account. With your card and PIN, you can withdraw cash, make deposits, or transfer funds between accounts, and pay for retail purchases with certain cards.
When you withdraw cash, some ATMs charge a fee if you are not a member of their network or are making a transaction at a remote location. ATMs must disclose the fee on the terminal screen or on a sign next to the screen.
Report a lost or stolen ATM or debit card to the issuer immediately. If you report an ATM card missing before it is used without your permission, you are not responsible for any unauthorized withdrawals. Federal regulations limit your liability to $50 if you report the loss within two business days after you realize your card is missing, and to $500 if you report the loss between 2 and 60 days. Under Federal law you could lose all the money in your bank account and the unused portion of your line of credit established for overdrafts if you fail to report an unauthorized transfer or withdrawal within 60 days after your bank statement is mailed to you. However, self-imposed industry rules limit your liability to zero if you report the loss within two business days, and to $50 if you report it more than two business days after realizing your card is missing.