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Disclaimer

This website is made available on an "as is" and “as available” basis, is provided for educational and information purposes only, and is not intended to provide any legal, financial, accounting, insurance or tax advice. This website in not an offer to buy or sell securities.

There is no guarantee that this website will be error free, that any defects will be corrected, or that this website will be uninterrupted or free of harmful components such as viruses. While the information is considered reliable, the information may not be timely, accurate or complete. Any information on this website and the terms of its use may be changed at any time without notice.

Links from this website to other websites is not an endorsement of the services or products provided on such other websites and no responsibility is assumed for the accuracy or appropriateness of the material contained on such other websites.

Not all products and services described in this website may be available in your jurisdiction and their availability is subject to terms and conditions of any applicable agreements.

You should not enter into any transaction unless you understand the risks and determine that a transaction is appropriate for you. You should not act or rely on any information on this website without first seeking the advice of a professional advisor as appropriate. If you use the information, products or services on this website, or other websites that this website links to, you agree that you do so completely at your own risk.

This website, excluding any linked web sites, is provided by Real Transactions Incorporated from its offices in Vancouver, British Columbia, Canada. Neither Real Transactions Incorporated, nor any of its officers, directors, or employees, nor any of its affiliates, agents, suppliers, customers or any other person or company associated with this website or its contents, will be held responsible, and you agree to hold these parties harmless, for any damage whatsoever, however caused or pursuant to any type of action which results from your use of this website.

By using this website, you agree that all matters relating to the use of this website by you shall be governed by the laws of British Columbia and Canada. You also agree to submit to the exclusive jurisdiction and venue of the courts of the Province of British Columbia with respect to all matters related to this website.

Security Policy

1. Your information is confidential - We are dedicated to keeping your personal information confidential. We don’t disclose any confidential information that can be traced back to you unless required by law, or unless you give us permission beforehand.

2. Keep your account information secret - If you share your username and password with others, they will also be able to access some of your personal information. We strongly encourage you not to share your account information. Protect your Real Transaction account information at least as carefully as you would protect your bank’s ATM PIN.

3. Authorized staff can see your data - As long as you don’t give out your account information, any confidential information you send or receive on this web site can be seen only by you and Real Transactions staff who have a "genuine business need."

By "genuine business need," we mean:

  • Direct customer care. For example, if you send a request through this web site, our clerks need to see that request in order to make a modification for you.
  • Maintaining the web site. Sometimes our technical staff may view data in the course of their work. We have special rules to make sure they do this only for legitimate reasons.
  • Research and evaluation. In order to keep improving our services, we compile data from users of this web site. None of the data published can be traced back to an individual. For example, we might say, "20% of our customers purchased product xyz." We will never say, "Jane Smith purchased product xyz."

These guidelines are spelled out in more detail in our formal policy statement.

4. We use secure technology - In addition to our privacy policy, we also take the technical side of security very seriously. Our password system makes sure that someone who logs on with your Real Transactions merchant information really is you. All communication between your computer and our web servers is encrypted. Encryption prevents your information from being intercepted or modified. Our servers are behind a complex series of firewalls. Firewalls add an extra layer of security. We store member data in a way that maximizes security and confidentiality.

5. Exit - Always exit your browser when you are finished using RT Online. This helps preserve the confidentiality of your data (e.g. to prevent other people from using your computer to access any of your RT Online information).

Security Precautions

Real Transactions Inc. takes security very seriously. We utilize the highest amount of encryption allowed for all transactions. Not only are all of the transactions encrypted but so is the entire backend and database. We are currently in the process of obtaining special permission from the Canadian government for encrypting our databases using proprietary 1024 bit encryption. That is 8 times higher than the level that the banks use.

Additional Security Information

Obviously, we cannot post everything about our security on a publically available page, because that is going to give the enemy an upper hand. There are various other additional security practices not listed on this page that have been implemented to stop people from getting into our servers.

If we do discover a malicious attempt on one of our servers, we will attempt to capture as much information about the attacker as possible and then discreetly contact their ISP and possibly their local authorities and provide them with a detailed account of the activities that have been logged.

Privacy Policy

RealTransactions.com Privacy Statement
This document was last updated November 14, 2006.

Real Transactions is committed to protecting your privacy. You can visit most pages on our site without giving us any information about yourself. But sometimes we do need information to provide services that you request, and this privacy statement explains data collection and use in those situations. This privacy statement only applies to RealTransactions.com; it does not apply to other online or offline Real Transactions sites, products or services. Please read the complete RealTransactions.com privacy statement.

Collection of your Personal Information

We will ask you when we need information that personally identifies you (personal information) or allows us to contact you. Generally, this information is requested when you are registering before entering a contest, ordering e-mail newsletters, processing a transaction, or when purchasing and/or registering a merchant account. Personal information collected by RealTransactions.com often is limited to e-mail address, address, country or location, but may include other information when needed to provide a service you requested.

For example: If you choose a service or transaction that requires payment, such as making a purchase through our Web site, we will request personal information necessary for billing and/or shipping, such as: name, address, telephone number, and credit card number.

When you sign up for a newsletter, we may ask you to register your purchase electronically. We keep this registration information on file with any information you've already given us on previous visits to our Web site.

RealTransactions.com also collects certain information about your computer hardware and software. This information may include: your IP address, browser type, operating system, domain name, access times and referring Web site addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of RealTransactions.com.

RealTransactions.com also collects information about which pages our customers visit within RealTransactions.com. This site visitation data is identified only by a unique ID number, and it is never linked with personal information.

RealTransactions.com uses encrypted sessions as its registration and authentication service. When you sign in to this site using encrypted sessions, you will be asked to provide your e-mail address, user id and a password to sign you in.

Use of your Personal Information

We use your personal information for the following purposes:

  • To ensure our site is relevant to your needs.
  • To deliver services, such as newsletters, events, training or software, that you request or purchase.
  • To help us create and publish content most relevant to you.
    To alert you to product upgrades, special offers, updated information and other new services from Real Transactions, if you so request.
  • To allow you access to limited-entry areas of our site as appropriate.
    We will merge site-visitation data with anonymous demographic information for research purposes, and we may use this information in aggregate to provide more relevant content. In some limited-entry sections of RealTransactions.com, with your approval, we will combine site-visitation data with your personal information in order to provide you with personalized content. If you decline permission, we will not provide you the personalized service and won't merge your personal information with site-visitation data.

We occasionally hire other companies to provide limited services on our behalf. We will only provide those companies the information they need to deliver the service, and they are prohibited from using that information for any other purpose.

Real Transactions may disclose your personal information 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 Real Transactions or the site; (b) protect and defend the rights or property of Real Transactions and its family of Web sites, or (c) act in urgent circumstances to protect the personal safety of Real Transactions employees, users of Real Transactions products or services, or members of the public.

Your information may be stored and processed in the United States or any other country in which Real Transactions or its affiliates, subsidiaries or agents maintain facilities, and by using this site, you consent to any such transfer of information outside of your country.

Control of your Personal Information

When you register, or otherwise give us personal information, RealTransactions.com will not share that information with third parties without your permission, other than for the limited exceptions already listed. It will only be used for the purposes stated above.

Merchant Registration also allows you to tell us how or whether you want RealTransactions.com to communicate with you. After registering, go to the preferences section and establish your preferences in the appropriate sections. There, you can decide what information you want to receive and how you want to receive it. Or you can tell us not to contact you by removing check marks from the contact option boxes. If you buy products through RealTransactions.com, and do not want to receive such information, do not check the box on the Checkout page (or on other pages where personal information is collected) which says: Yes, I would like to receive other offers through shop.RealTransactions.com. By default, this box is unchecked so that you don't receive mail updates unless you truly "opt - in."

RealTransactions.com may send out periodic e-mails informing you of technical service or security issues related to a product or service you requested, or confirming you requested a product or service. You will not be able to choose to unsubscribe to these mailings, as they are considered an essential part of the service you have chosen.

Access to your Personal Information

We will provide you with the means to ensure that your personal information is correct and current.

If you register on a RealTransactions.com or subscribe to a newsletter, you can review and edit your personal information on the preferences page. You will be asked to enter your log in information and password before viewing your personal information.

On the preferences page you can:

  • View and edit personal information you have already given us at RealTransactions.com.
  • Tell us whether you want RealTransactions.com to send you marketing information.
  • Subscribe, or cancel subscriptions, to newsletters about our services and products.

Some services offered on RealTransactions.com may collect information that is not accessible via the Profile Center. However, in such cases, you can access your personal information by contacting RealTransactions.com as described at the bottom of this statement, or through alternative means of access described by the service. For example, if a RealTransaction's merchant needs to change their password, they can review and edit their personal information by contacting one of our Customer Service representatives Monday through Friday, between the hours of 8 a.m. and 4 p.m. PST.

Security of your Personal Information

RealTransactions.com is committed to protecting the security of your personal information. We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use or disclosure. For example, we store the personal information you provide in computer servers with limited access that are located in controlled facilities. When we transmit sensitive information (such as a credit card number) over the internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol. For more information about these and other security practices, please read our security policy.

Protection of Children's Personal Information

RealTransactions.com is a general audience site and does not knowingly collect any personal information from children.

Use of Cookies

When someone visits the site, a cookie is placed on the customer's machine (if the customer accepts cookies) or is read if the customer has visited the site previously. One use of cookies is to assist in the collection of the site visitation statistics described above.

Real Transactions uses cookies in connection with the use of your merchant account on the RealTransactions.com Web site. This is used to help verify the validity of the merchant account and to keep the merchant "logged in" when they are utilizing our merchant services.

If you choose to not have your browser accept cookies from the RealTransactions.com Web site, you will be able to view the text on the screens, however you will not experience a personalized visit nor will you be able to subscribe to the merchant service offerings on the site.

Enforcement of this Privacy Statement

If you have questions regarding this statement, you should first contact RealTransactions.com by email.

Changes to this Statement

RealTransactions.com will occasionally update this privacy statement. When we do, we will also revise the "last updated" date at the top of the privacy statement. For material changes to this statement, RealTransactions.com will notify you by placing prominent notice on the Web site.

Contact Information

Real Transactions welcomes your comments regarding this privacy statement, please contact us by email, telephone or postal mail.