Privacy

Our mission is to provide state of the art infrastructure and technical services for mobile payment and remittance organizations. VTNGLOBAL, INC build, license and manage mobile payment transaction network platform to financial institutions, mobile money operators, and mobile phone operators.

Our mobile platform allows high-volume, high-speed mobile financial transaction software solution for telecommunications service providers, major banks, and MFIs. Our solution allows mobile money operators to reach customers through existing mobile operator networks, web and Internet channels and mobile devices. The platform is telco agnostic and can run as close loop platform utilizing agent networks.

If users have questions or concerns regarding this statement, they should first contact Customer Service Department at VTNGLOBAL, INC.: Email: info@vtnglobal.com Mailing address: 8101 Sandy Spring Road, Suite 100B, Laurel, MD 20707.

If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should contact support@vtnglobal.com

Information Collection and Use VTNGLOBAL, INC. is the sole owner of the information collected on vtnglobal.com. VTNGLOBAL, INC, gathers information from our users at several different points on our Web site.

Registration To use this Website, a user must first complete the registration form. During registration, a user is required to enter contact information such as name and email address, business and home address. We use this information to contact the user about services on our site for which he has expressed interest. Users may also be required to provide demographic information such as income level and gender. For your security, all users are required to supply unique user id and password during registration to personalize account profile for each member.

Transaction: When you initiate a transaction through our licensee, we collect the names, email and mobile phone number of the sender and recipient. This information is required to create a temporary account login for the recipient. The recipient will receive an email notification with the temporary account login details. On the first login, the recipient must update their account. There is no need to re-register at this stage.

Fund withdrawal: We collect your bank account information where the fund is deposited

Send SMS: To forward your SMS send a request, we collect the mobile phone number of the recipient, first name, last name, and local government if available.

Purchase / Sell stored value cards from licensee: We collect the email and mobile number of the recipient of the value.

Forums: When creating a forum account, we collect information such as your first name, last name, username, and homepage web address. Additionally, we keep and store your address book and member directory on our secure server. Users can edit this information at any time.

Helpdesk tickets: When creating tickets, we collect information such as your first name, last name, and username.

Career Opportunities: When you apply or submit a job application to us online, we collect information such as your first name, last name, and curriculum vitae or resume.

Contact Importer: When you import contacts from your email program such as Yahoo, Gmail, Hotmail, etc., we ask you to log in using your login details. We do not store any of your login information supplied. However, we do store the email of those invited, and we do send out reminders to them on your behalf periodically. The information sent out is generic and forwarded to the email box of the recipient. Your email is mentioned as the person inviting them to try VTNGLOBAL service.

Information Use We use information collected to register you as a bonafide VTNGLOBAL member. Some of the data such as your email first name, last name will be made available to recipients of value and banks to provide the service requested.

Profile We store information that we collect through cookies, log files, clear gifs, to create a profile of our users. A profile stored information that we keep on individual users that details their viewing preferences. Consequently, collected information is tied to the user's personally identifiable information to provide offers and improve the content of the site for the user. This profile is used to tailor a user’s visit to our Website, and to direct pertinent marketing promotions to them. We will not share your profile with other third parties without your consent. Consent is sought at the time of registration or during occasional promotional offers to our members.

Cookies A cookie is a piece of data stored on the user’s computer tied to specific information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. We use both session ID cookies and persistent cookies. For the session ID cookie, once users log off, the cookie simply terminates. A persistent cookie is a small text file stored on the user’s hard drive for an extended period. Persistent cookies can be removed by following Internet browser help file directions.

By setting a cookie on our site, users do not have to log in a password more than once, thereby saving time while on our site. If users reject the cookie, they will not be able to use our site nor be able to participate in any of our services. Persistent cookies enable us to track and target the interests of our users to enhance the experience on our site.

Some of our business partners use cookies on our site for example. However, we have no access to or control over these cookies. This privacy statement covers the use of cookies by virtualterminalnetwork.com only and does not cover the use of cookies by any third parties.

Log Files Like most standard Web site servers, we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user’s movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses are tied to personally identifiable information to enable our Web-based service.

Clear Gifs (Web Beacons/Web Bugs) We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. The main difference between the two is that clear gifs are invisible on the page and are much smaller, about the size of the period at the end of this sentence. Clear gifs are not tied to users’ personally identifiable information.

Clear Gifs can 'work with' existing cookies on a computer if they are both from the same Web site or advertising company. That means, for example, that if a person visited “www.virtualterminalnetwork.com”, which uses an advertising company’s clear gif, the Web site would match the clear gif`s identifier and the advertising company’s cookie ID number, to show the past online behavior for that computer. This collected information would then be saved in the database.

In addition, we use clear gifs in our HTML-based emails to let us know which emails have been opened by the recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.

Communications from the Site We send all new members a welcoming email to verify password and username. Established members will occasionally receive information on products, services, special deals, and a newsletter. Out of respect for the privacy of our users, we present the option to not receive these types of communications. If a user wishes to subscribe to our newsletter, we ask for contact information such as name and email address. Out of respect for our user's privacy, we provide a way to opt-out of these communications by clicking the unsubscribe link at the bottom of the newsletter.

We communicate with users on a regular basis to provide requested services, and in regards to issues relating to their account, we reply via email or phone, in accordance with the user's wishes. On rare occasions, it is necessary to send out a strictly service-related announcement. For instance, if our service is temporarily suspended for maintenance we might send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account. However, these communications are not promotional in nature.

Sharing We will share your personal information with third parties only in the ways that are described in this privacy statement. We do not share, sell, rent, or trade your personal information with third parties for their promotional purposes.

Legal Disclaimer Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.

Third Party Intermediaries/Service Providers We use other third parties such as an email service provider to send out emails on our behalf. When the user signs up for these particular services, we share names or other contact information as necessary for the third party to provide that service. These companies do not retain, share, store or use personally identifiable information for any secondary purposes.

Business Transitions In the event vtnglobal.com goes through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, users’ personal information will, in most instances, be part of the assets transferred.

Users who no longer wish to receive our newsletter and promotional communications may opt-out of receiving these communications by replying to unsubscribe in the subject line in the email or email us at info@vtnglobal.com.

Users of our site are always notified when any outside parties are collecting their information. We do this so our users can make an informed choice as to whether or not they should proceed with services that require an outside party.

Links This Website contains links to other sites. Please be aware that we, virtualterminalnetwork.com, are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each Web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

Surveys From time-to-time, our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user, therefore, has a choice whether or not to disclose this information. The requested information typically includes contact information such as name and shipping address and demographic information such as zip code. Contact information will be used with the survey to notify the winners and award prizes. Anonymous Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site. Users’ personally identifiable information is not shared with third parties unless we give prior notice and choice. Though we may use an intermediary to conduct these surveys or contests, they may not use users’ personally identifiable information for any secondary purposes.

Tell-A-Friend If a user elects to use our referral service for informing a friend about our site, we ask them for the friend’s name and email address. VTNetwork Limited will automatically send the friend a one-time email inviting them to visit the site. VTNGLOBA, INC. stores this information for the sole purpose of sending an email and tracking the success of our referral program. Your friend may contact VTNGLOBAL, INC. At info@vtnglobal.com to request the removal of this information from our database.

Import Contacts We utilize an import contact feature to help you keep in touch with your contacts or other members. We make it easy for you to invite people from your email address books to join you on our Site. At your request, we will search your email address book to help you import your contacts to our site. You have control over who should receive the invitation. Once you submit the request, the invitation bearing your email is sent to the emails of those selected from your contact list. We also send reminders to your contact every 14 days to join VTNGLOBAL. The email invite that will be received by a contact will come to them from the VTNGLOBAL web site on your behalf, and your email, first name, and last name will be shown as the person inviting them to join VTNGLOBAL.

Chat Rooms, Message Boards, and Public Forums Please keep in mind that whenever you voluntarily disclose personal information online - for example in forums, on message boards, through e-mail, or in chat areas - that information can be collected and used by others. In short, by posting personal information online that is publicly accessible, you may receive unsolicited messages from other parties in return. We are not responsible for the personally identifiable information you choose to submit in these forums.

Security This Web site takes every precaution to protect our users’ information. When users submit sensitive information via the Web site, their information is protected both online and off-line.

When our registration/order form asks users to enter sensitive information such as bank account numbers, that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Google Chrome and Internet Explorer becomes locked, as opposed to un-locked, or open, when users are just ‘surfing.'

While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our users’ information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. Our employees must use password-protected screen-savers when they leave their desk. When they return, they must re-enter their password to re-gain access to user information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices.

Every six months, as well as any time new policies are added, our employees are notified and reminded about the importance we place on privacy, and what they can do to ensure our users’ information is protected. Finally, the servers that store personally identifiable information are in a secure environment, behind a locked cage in a locked facility.

If users have any questions about the security at our Web site, users can send an email to info@vtnglobal.com.

Correcting/Updating/Deleting/Deactivating Personal Information If a user’s personally identifiable information changes such as zip code, phone, email or postal address, or if a user no longer desires our service, we provide a way to correct, update or /deactivate users’ personally identifiable information. This can usually be done on the member profile page or by emailing our Customer Support at info@vtnglobal.com.

Notification of Changes If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate, so our users are always aware of what information we collect, how we use it, and under what circumstances if any, we disclose it.

If, however, we are going to use users’ personally identifiable information in a manner different from that stated at the time of collection we will notify users via email.

Contact Information

If users have any questions or suggestions regarding our privacy policy, please contact us at:

Corporate matters, please write to: VTNGLOBAL, INC. Email: info@vtnglobal.com Mailing address: 8101 Sandy Spring Road, Suite 100B, Laurel, MD 20707.

to tell us about your needs and how VTNGLOBAL, INC. may be able to help regarding your mobile Payment technology needs.