The WageAccess^® Privacy Policy

Your trust in WageAccess^® is our greatest asset. Synergy Management
Solutions, Inc. makes every reasonable effort to ensure that information
you provide to the WageAccess^® web site (the "Site") is kept
confidential and secure.

In order to earn your trust, we disclose our information management
and security practices to you as clearly and fully as possible. These
practices receive continuous oversight, and most of our business decisions, including web site design, technology selection and third-party business relationships, begin and end with considerations for your privacy.

Synergy Management Solutions, Inc. is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to enable individuals and organizations to establish trusting relationships based on respect for personal identity and information by promoting the use of fair information practices. This privacy statement covers the Site www.WageAccess.com. Because we want to demonstrate a commitment our users’ privacy, we have agreed to disclose our information practices and have our privacy practices reviewed for compliance by TRUSTe.

The TRUSTe program covers only information that is collected through the WageAccess^® Site. By displaying the TRUSTe trustmark, Synergy Management Solutions, Inc. has agreed to notify users of:

• What confidential information the Site gathers about its users.
• How confidential information is used and with whom it is shared.
• What security procedures are in place to protect users’ information from loss, misuse or alteration.
• How users can correct or update their information.

If users have questions or concerns regarding this statement, they should first contact the WageAccess^® Customer Service Department at customerservice@wageaccess.com. If they do not receive acknowledgement of their inquiry or their inquiry is not satisfactorily addressed, they may then contact TRUSTe through the TRUSTe Watchdog Dispute Resolution Process at http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison with the Site to resolve user concerns.

Information Collection

Synergy Management Solutions, Inc. is the sole user of the information collected on www.WageAccess.com. We only collect information that is required to provide you with the WageAccess^® Compensation and Benefits Survey services. The WageAccess^® Site has been designed so that you must make express, informed choices to use the services that ask for personal or confidential company information. If you are simply browsing our Site, we do not gather any such information from you.

It is important to understand that the objective of the WageAccess^® Site is to collect confidential company pay-related data and report it in an anonymous aggregate form to other users of the Site. For the purposes of this privacy statement, when we speak of "confidential company information", we are referring to all company pay and other proprietary data collected on the WageAccess^® Site. When we speak of "personal identifying information", we are referring to information about you in the context of your employment with your company. This information includes your name, job title, the address of your company, your company phone number and e-mail address. Whether it be personal identifying information, corporate information or confidential pay data, we consider all information that we collect through this Site to be equally confidential.

Synergy Management Solutions, Inc. collects confidential information from our users in several ways on our Site:

• User Profile - Certain information that is collected through data entry screens is stored to create a user profile. This information is tied to the user's personally identifiable information and is used to tailor the user's visit to our Site by recalling previously made selections.
• Sign-up Process - In order to access the secure portion of the Site, a user must first complete the sign-up process by providing contact information (such as name, company information and e-mail address). This information is used to identify the user and facilitate contact with the user about services on our Site.
• Payment - Users must provide billing information (such as name and billing address) and financial information (such as credit card number), the latter of which is collected but not retained. This information is collected on a payment form and is used solely for billing purposes.
• Survey Data Collection Process - Users must provide demographic information about their company (such as location, industry and size) and pay data for positions at their company (such as number of incumbents, average pay and rate range information). This information is compiled with data from other companies and reported back to users as anonymous aggregated statistics.
• Cookies - A cookie is a small text file that is stored on the user's computer by the user's web browser at the direction a web site. The WageAccess^® Site uses both session ID and persistent cookies; cookies created or used by WageAccess^® do not contain personal or confidential company information.
  

  A session ID cookie is used to hold temporary data values during the user's current login session, and is deleted once a user closes their Internet browser.

  A persistent cookie enables us to store users' preferences and data that control the operation of the site. By setting the persistent cookie on our Site, (1) users can bypass the Flash introduction page when logging in, and (2) prior user selections in certain navigation menus are automatically recalled. If users choose to reject the cookie, they may still use the Site; however, they will have to view the Flash introduction page each time they access the Site, and their position in certain navigation menus won't be stored and recalled. Persistent cookies can be removed by following Internet browser help file directions.

  One of our business partners (Overture) uses a cookie on the WageAccess^® Site to track web site usage resulting from an Overture-based web search. This cookie contains no personal or confidential company information, and WageAccess^® has no access to, or control over, this cookie. This privacy statement covers the use of cookies by WageAccess^® only and does not cover the use of cookies by any third parties.

• Log Records - Activity statistics are collected so we can understand the ways in which the Site and its services are being utilized. Activity related data is stored and is only used in the form of aggregated anonymous statistics. This includes Internet Protocol (IP) addresses, browser type, Internet Service Provider (ISP), referring/exit pages, platform type, and date/time stamp. IP addresses are also collected at user login and are tied to personally identifiable information to enhance web security.

Information Usage and Sharing

Confidential information collected on the Site is not used for any purposes other than those directly related to the services the Site provides. In addition, we do not share this information with any other parties except those specified below:

• Aggregate Information - We share anonymous aggregated company demographic and compensation information with other users of the Site. Inasmuch as all such data is presented as aggregations, no individual company's data is ever available for other users to see on the Site. However, all users of the Site are able to view the names and city/state location of participating companies, as indicated in the WageAccess^® Usage Agreement.
• Third Party Intermediaries - We send certain personally identifiable information to third-party payment processing services to process users' credit card payments for services. Those services have certified that they not retain, share, store or use personally identifiable information for any secondary purposes.

  We may, from time to time, enter into a marketing agreement with membership and other organizations. If you have subscribed to WageAccess^® as a result of (1) membership in, (2) a relationship with, or (3) a promotion operated by, such an organization, we may share a portion of your personally identifiable information, such as name and email address, with that organization.

  Should we have a similar marketing agreement with other organizations, your personally identifiable information will not be shared with any organizations other than the one with which you originally had a relationship.

  In no case, however, will any of your compensation, salary or other employee-related data be provided to any third party intermediary.

• Legal Requests - Though we make every effort to preserve user privacy, we may need to disclose personal or confidential company information when required by law to comply with a current judicial proceeding, a court order or other legal process served on us.

Communications from the Site

All new WageAccess^® subscribers receive a welcoming e-mail from the Site containing their username and password. We communicate with users via e-mail or telephone on a regular basis to provide requested services, offer new services, and inform them of issues relating to their account.

You may not opt-out of our welcome email containing your username and password or any email regarding a critical service issue. However, if you do not wish to receive other e-mail or telephone communications from WageAccess^® regarding your account or any new services that we may offer, you may opt-out of receiving them by e-mailing the WageAccess^® Customer Service Department at customerservice@wageaccess.com. Users can also opt-out by contacting us by telephone or postal mail at the contact information listed below.

Links

The WageAccess^® Site contains links to other sites. Synergy Management Solutions, Inc. is not responsible for the privacy practices of such other sites. We encourage users to be aware when they leave our Site and to read the privacy statements of every web site that collects personally identifiable information. This privacy statement applies solely to information collected by the WageAccess^® Site.

Security

Synergy Management Solutions, Inc. takes every precaution to protect our users' confidential information. When users submit sensitive information (such as pay data or credit card information) to the Site, their information is protected by Secure Sockets Layer (SSL) encryption technology. While on a web page secured by SSL, the lock icon on the bottom of the web browser becomes locked, indicating that data to and from the web browser is being encrypted. (To learn more about SSL, click here.)

In addition to using SSL encryption to protect confidential information online, we also take significant steps to protect users' information off-line. Access to all of our users' information is restricted in our offices. Only specific employees who need the information to perform a specific job are granted access to users' confidential information. Furthermore, all employees are kept up-to-date on our security and privacy practices, and are frequently reminded of the importance we place on privacy, as well as what they must do to ensure users' information is protected. Finally, the servers that store users' confidential information are in a secure environment in a restricted access facility.

If users have any questions about the security of our Site, users can send an e-mail to customerservice@wageaccess.com.

Correcting and Updating Information

Corrections and updates to users' account information can be accomplished by accessing the "Account Information" page by following the "Account Info" link after the user has logged in to the Site. Service discontinuation requests may be made by e-mailing our Customer Service department at customerservice@wageaccess.com. Users can also contact us by telephone or postal mail at the contact information listed below.

Notification of Changes

While our privacy philosophy will not change, the details of this privacy policy may change over time as we add additional services. Accordingly, please refer back to this page periodically. The date the policy was last revised will appear at the top of this policy page.

If we plan to use users' confidential information in a manner inconsistent with that stated at the time of collection of such information, we will notify users via e-mail. Active users will then have a choice as to whether or not we use their information in this different manner. Additionally, if we make changes to our privacy practices that do not affect user information already stored in our database in a material way, we will post a notice in a prominent location on the Site notifying users of the change. In some cases where we post such a notice, we may also e-mail users notifying them of the changes in our privacy practices.

Business Transitions

In the event Synergy Management Solutions, Inc. undergoes a business transition wherein users' confidential company or personally identifiable information will be used in a manner different from that stated at the time of collection, users will be given a choice consistent with our Notification of Changes section.

Legal Disclaimer

Unfortunately, no data protection method or combination of methods can be guaranteed 100% secure. We strive to protect your confidential information as described throughout this policy, but we cannot ensure or warrant our ability to do so. As a result, your use of WageAccess^® content, products and services is at your own risk. Synergy Management Solutions, Inc. will not be liable for disclosures of your confidential information due to errors in transmission or unauthorized acts of third parties.

Contact Information

If you have any questions about this Privacy Policy, the privacy practices of the WageAccess^® Site, your dealings with Synergy Management Solutions, Inc. or would like to provide comments, please contact us at customerservice@wageaccess.com or at:

Synergy Management Solutions, Inc.
209 S. Stephanie Street, Suite B104
Henderson, NV 89012
(866) 926-9400