Privacy Statement

InterCambio Express is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the InterCambio Express Web site and governs data collection and usage. By using the InterCambio Express website, you consent to the data practices described in this statement.

Collection of your Personal Information

InterCambio Express collects non-public, personally identifiable information from a variety of sources including those listed below.  This includes, but is not limited to your e-mail address, name, home or work address or telephone number. InterCambio Express also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites..

There is also information about your computer hardware and software that is automatically collected by InterCambio Express. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by InterCambio Express for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the InterCambio Express Web site.

We collect Information you supply when: (a) you ask us or one of our affiliates to send or receive money or to provide other goods or services; (b) you submit Information on applications or other forms to us or our affiliates; or (c) you otherwise submit Information to us, our affiliates or others;

We collect Information about your transactions with us, our affiliates or others;
We may collect Information about you from a variety of third party sources such as our business clients, government agencies and consumer reporting agencies and other suppliers of information; and

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through InterCambio Express public message boards, this information may be collected and used by others. Note: InterCambio Express does not read any of your private online communications.

InterCambio Express encourages you to review the privacy statements of Web sites you choose to link to from InterCambio Express so that you can understand how those Web sites collect, use and share your information. InterCambio Express is not responsible for the privacy statements or other content on Web sites outside of the InterCambio Express and InterCambio Express family of Web sites.

Use of your Personal Information

InterCambio Express collects and uses your personal information to operate the InterCambio Express Web site and deliver the services you have requested. InterCambio Express also uses your personally identifiable information to inform you of other products or services available from InterCambio Express and its affiliates. InterCambio Express may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

We may disclose Information about current and former consumers and customers to the following types of third parties:

• Financial service providers such as xxxx Agents that offer our services;
• Banks
• Government agencies; and
• As permitted or required by law.

We may also disclose Information to companies that perform marketing services for us or other financial institutions with whom we have joint marketing arrangements.

InterCambio Express does not sell, rent or lease its customer lists to third parties. InterCambio Express may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, InterCambio Express may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to InterCambio Express, and they are required to maintain the confidentiality of your information.

InterCambio Express does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

InterCambio Express keeps track of the Web sites and pages our customers visit within the InterCambio Express Web Domains, in order to determine what InterCambio Express services are the most popular. This data is used to deliver customized content and advertising within the InterCambio Express portals to customers whose behavior indicates that they are interested in a particular subject area.

InterCambio Express Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on InterCambio Express or the site; (b) protect and defend InterCambio Epxress’ Property Rights; and, (c) act under exigent circumstances to protect the personal safety of users of InterCambio Express, or the public.

Use of Cookies

The InterCambio Express Web site use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your computer’s hard disk by a Web page server when you visit such Web page. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize InterCambio Express pages, or register with InterCambio Express site or services, a cookie helps InterCambio Express to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same InterCambio Express Web site, the information you previously provided can be retrieved, so you can easily use the InterCambio Express features and characteristics that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the InterCambio Express services or Web sites you visit.

Security of your Personal Information

InterCambio Express secures your personal information from unauthorized access, use or disclosure. InterCambio Express secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

InterCambio Express will occasionally update this Statement of Privacy to reflect company and customer feedback. InterCambio Express encourages you to periodically review this Statement to be informed of how InterCambio Express is protecting your information.