Payofflive.com takes your privacy very seriously. Please read the following to learn more about our Privacy Policy (herein referred to as the "Privacy Policy" or "Policy"), before using our website or any part of the Pay Off Live software ("software").

By using our website or software you consent to, and agree with, this Policy, and acknowledge that you have read and understand this Policy. Your use of our site or software also constitutes and acknowledgement that you have read, understood, and consent to, our Terms and Conditions of Use located on our site. By using our website or software you acknowledge and agree that you are doing so pursuant to this Privacy Policy, at your own risk, and that payofflive.com or Accel Financial Group, LLC, and its shareholders, directors, officers, agents and associates, will not be held liable for any damages or injuries associated with your use of our site or the software for any reason because you are solely using our site or software for a Pay Off estimate and are not receiving any professional advice.

If we change our Privacy Policies and procedures, we may post those changes on our website to keep you aware of what information we collect, how we use it, and under what circumstances we may disclose it. We maintain strict Privacy Policies and strive to keep all of your personal and financial information secure and confidential at all times.

• Scope

  This Privacy Policy covers our treatment of any identifiable information that payofflive.com collects when you are on our website or using the software. This Privacy Policy also covers our treatment of any personally identifiable information that our business partners share with us, or that payofflive.com may collect on another site. By using our site or software, you agree that payofflive.com does not provide any financial, brokerage, legal, accounting, planning, or other services, and is solely permitting you to use its site and software at your own risk. You further acknowledge and agree that you have been advised to seek the advice of a certified financial planner, certified public accountant, or attorney, prior to using the site or the software.

• Our Commitment to Privacy

  Our Privacy Policy was developed as an extension of our commitment to combine the highest-quality products and services with the highest level of integrity in dealing with our clients and partners. The Policy is designed to assist you in understanding how we collect, use, and safeguard the personal information you provide to us, while assisting you in making informed decisions when using our site, software, products, and services. This statement will be continuously assessed against new technologies, business practices, and our customers' needs.

  Our pledge to you:

  • We pledge to hold all information you provide to us in absolute privacy
  • We will never sell or rent your name or personal information to any third party without your consent
  • We employ audits by some of the top internet privacy companies. We are active members of several leading online privacy organizations
  • Only authorized employees may access your information
  • All employees are required to adhere to our strict privacy policies and any employee who violates the privacy policy is subject to termination and other disciplinary measures, including criminal prosecution.
  
  
• What Information Do We Collect and How Is It Collected?

  When you visit our site or use our software you may provide us with two types of information: "personal information" you knowingly choose to disclose, that is collected on an individual basis, and "website use information" collected on an aggregate basis as you and others browse our Website. The information we may collect, in order to provide the best results using the Pay Off Live software may include, but not limited to information pertaining to: Name, Address, Income, Expenses, Creditors and/or Lenders, Account Balances, Interest Rates, Employment, Loans, Account Occurrences (i.e. how often you are paid, or a bill must be paid etc.).

  Accel Financial Group, LLC, thru its representatives, authorized retailers and/or licensed distributors has or will collect information from you that is needed to allow the site, software, and Pay Off Live to work appropriately and provide you with the most accurate results. Information will be collected from you through the following sources:

  1. Forms:

     Either you or a representative fills out these forms whether in writing, in person, by telephone, electronically or by any other means. This information may include your name, address, employment information, income, creditors, liability and debt balances and account information.

  2. Transactions and Program Use:

     The information you enter in your Pay Off Live account may be collected. This can include actual payment amounts, current balances, additionally added liabilities, budgeted items, etc. This may be collected through saved files or cookies as explained below.

  3. Public sources:

     Though not a general means of collection information, Accel Financial Group, LLC, does reserve the right to collect information from public sources if needed or when directed by you; this information may include real estate records and telephone numbers, etc.

  4. Personal Information You Choose to Provide:
  • Personal and Financial Information

    If you choose to purchase products or services from us or our partners, you may need to give personal information and authorizations, which identify you, in order to obtain information from various credit services or to create specific documents. For example, you may need to provide the following information, among other things:

    • Name
    • Mailing address
    • E-mail address
    • Home and business phone number
    • Other personal information
    
    

    This personal information is necessary to generate the data from our software. Personally identifiable information may also include, but is not limited to, social security number, birth date, credit card information, debt or income information, mortgage information, automobile information, personal wedding information, names of relatives or other individuals, their addresses, and other sensitive information necessary to generate proper legal documents.

    Payofflive.com has partnered with various sites to offer other services. Please review the privacy policies of those companies as well prior to using their services or websites.

    Payofflive.com and Accel Financial Group, LLC may from time to time be compelled to comply with valid legal requirements such as those found in a law, state or federal regulation, a fraud prevention or detection effort, search warrant, subpoena, or court order. In such instances payofflive.com may be required to release personal information. We may disclose personal information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it, or for the protection and enforcement of our legal rights against you or third parties. In such cases, your use of this site constitutes your consent to the release of such information as required under applicable law from time to time. If you do not consent you should not use our site or the software.

    We may also use personal information in a manner that does not identify you specifically nor allow you to be contacted, but does identify certain criteria about our users in general. For example, we may inform third parties about the number of registered users, number of unique visitors, and the pages most frequently browsed.

    It is the policy of payofflive.com to retain personally identifiable information in accordance with applicable law. If at anytime you wish to delete all of your personally identifiable information from our site, you may contact us at support@payofflive.com.

  • E-mail Information

    In addition to providing the foregoing information to our website and our partners, if you choose to correspond further with us through e-mail, we may retain the content of your e-mail messages together with your e-mail address and our responses. We provide the same protections for these electronic communications as we employ in the maintenance of information received by mail and telephone.

  • Website Use Information

    Similar to other commercial Websites, our Website utilizes a standard technology called "cookies" (see explanation below, "What Are Cookies?") and Web server logs to collect non-personal information about how our Website is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Website, and the Websites visited just before and just after our Website. This information is collected on an aggregate basis. None of this information is associated with you as an individual and does not identify you individually.

• How Do We Use the Information That You Provide to Us?

  Broadly speaking, we use personal information for purposes of administering our business activities, providing customer service, and making available other products and services to our customers and prospective customers. Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. The lists used to send you product and service offers are developed and managed under our traditional corporate standards designed to safeguard the security and privacy of our customers' personal information. As a customer, you will be given the opportunity, from time to time, to notify us of your desire not to receive these offers. By using this site, you agree that payofflive.com is not responsible for violations of privacy which occur as a result of unauthorized access to your computer or e-mail.

• What Are Cookies?

  Cookies are a feature of Web browser software that allows Web servers to recognize the computer used to access a Website. They are small pieces of data that are stored by a user's Web browser on the user's hard drive. Cookies can remember what information a user accesses on one Web page to simplify subsequent interactions with that Website by the same user or to use the information to streamline the user's transactions on related Web pages. This makes it easier for a user to move from Web page to Web page and to complete commercial transactions over the Internet. Cookies should make your online experience easier.

• How Do We Use Information We Collect from Cookies?

  We may use Website browser software tools such as cookies and Web server logs to gather information about our Website users' browsing activities in order to constantly improve our Website and better serve our customers. This information assists us in designing and arranging our Web pages in the most user-friendly manner and help us to continually improve our Website to better meet the needs of our customers and prospective customers.

  Cookies help us collect important business and technical statistics. Information in the cookies lets us trace the paths followed by users to our Website as they move from one page to another within our site. Web server logs allow us to count how many people visit our Website and evaluate our Website's visitor capacity. We do not use these technologies to capture your individual e-mail address or any personally identifying information about you, although they do allow us to send focused online banner advertisements or other responses to you.

• Affiliates of Our Website

  From time to time you may notice offers from outside companies advertised on our Website. We take measures to select product and service providers that are responsible and afford privacy protections to their customers. However, we do not make any representations about the practices and policies of these companies. Your use of such third party links and websites is at your own risk, and you agree that we cannot be held liable for any damages or injuries to you as a result of such uses.

• Notice of New Services and Changes

  Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. As our client, you will be given the opportunity to notify us of your desire not to receive these offers by clicking on a response box when you receive such an offer or by sending us an e-mail request.

• How Do We Secure Information Transmissions?

  When you send confidential information to us on our Website, secure server software, which we have licensed, encrypts all information you input before it is sent to us. The information is scrambled en route and decoded once it reaches our Website.

  Other e-mail that you may send to us may not be secure unless we advise you that security measures will be in place prior to your transmitting the information. For that reason, we ask that you do not send confidential information such as Social Security or account numbers to us through an unsecured e-mail.

  We strive to make certain that our servers and connections incorporate updated encryption and security devices. To prevent unauthorized access, we have implemented physical, electronic, and managerial procedures to safeguard and secure the information we collect.

• IF FOR ANY REASON YOU EVER BELIEVE THAT YOUR PRIVACY HAS BEEN BREACHED THROUGH THE USE OF OUR SITE, YOU SHOULD CONTACT US IMMEDIATELY.
• How Do We Protect Your Information?
• Information Security

  We utilize encryption/security software to safeguard the confidentiality of personal information we collect from unauthorized access or disclosure and accidental loss, alteration, or destruction.

• Evaluation of Information Protection Practices

  Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the security, confidentiality and quality of our information.

• Employee Access, Training and Expectations

  Our corporate values, ethical standards, policies and practices are committed to the protection of customer information. In general, our business practices limit employee access to confidential information, and limit the use and disclosure of such information only to authorized persons, processes and transactions.

• How Can You Access and Correct Your Information?

  You may request access to all your personally identifiable information that we collect online and maintain in our database by e-mailing or calling us.

• Do We Disclose Information to Outside Parties?

  We do not disclose personal information for commercial purposes. We may provide non-personal, non-identifiable, aggregate information about our customers, sales, Website traffic patterns and related Website information to our affiliates or reputable third parties, but this information will not include personally identifying data, except as otherwise provided in this Privacy Policy under applicable laws.

• What About Other Websites Linked to Our Website?

  We are not responsible for the practices employed by Websites linked to or from our Website nor for the information or content contained therein. Often links to other Websites are provided solely as pointers to information on topics that may be useful to the users of our Website, or in partnership therewith.

  Please remember that when you use a link to go from our Website to another Website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other Website, including Websites which have a link to our Website, is subject to that website's own rules and policies. Please read over those rules and policies before proceeding.

• IF FOR ANY REASON YOU EVER BELIEVE THAT YOUR PRIVACY HAS BEEN BREACHED THROUGH THE USE OF OUR SITE OR ANY RELATED SITE, YOU SHOULD CONTACT US IMMEDIATELY.
• Updates to Privacy Policy

  As we continue to offer our customers new and different types of content and services, Accel Financial Group, LLC may modify our information collection and use practices. Should there be a material change to our information collection and use practices, it will be applied only to information collected on a going forward basis, and we will update this privacy policy statement.

• Questions/Contact Us

  If you have any questions, comments or concerns regarding our privacy practices, please contact us at the following email address, mailing address or telephone number:

  
  Privacy@PayOffLive.com
  Accel Financial Group, LLC
  Attn: Privacy Department
  4902 Carlisle Pike
  Suite 345
  Mechanicsburg, PA 17050
  

• BY USING THIS WEBSITE YOU HAVE READ AND UNDERSTAND ALL OF THE TERMS OF THE PRIVACY POLICY AND TERMS OF USE