credit cards for counselors and therapists

Privacy Policy

ProfessionalCharges has created this Privacy Policy in order to demonstrate our firm commitment to privacy, and to comply with the regulations under the Health Insurance Portability and Accountability Act of 1996 (HIPAA). Since we are professional psychologists, our normal practice is to diligently protect the privacy and confidentiality of information we receive from our patients. As owners of ProfessionalCharges.com, we will consider the data we collect through this Website as private confidential information, and we will handle it like we do the confidential information received from our patients. The following discloses our information gathering and dissemination practices for this website:

We use a registration form that requires members to give us unique identifying, demographic and contact information. Members also complete a form for making the charge on their client's credit card. All the information we collect about members and their clients will be intentionally submitted by the member or the client. We do not covertly collect information.

We use the information we collect to setup member accounts, to process the charges submitted, to contact a member if there is a problem, and notify members if there is a change in our procedures or services. We ask for the minimum amount of information we need to efficiently and cost effectively:

Process the charges submitted.
Deposit the funds directly into the member's bank account.
Make timely contact with a member if the cardholder disputes the charges.
Fulfill the legal and card associations' requirements of returning the funds if a disputed charge is not resolved. This is called a charge back. If the disputed funds have been deposited into the members account, we will withdraw funds from a member's account to cover the charge back expenses.
Debit the member's bank account for the annual membership fee, or as an alternative charge the members credit card for the membership fee or for refunding any unresolved disputed charges.

We may also use the information we collect to occasionally notify members about special offers we think are valuable and relevant to their professional practice. If a member would rather not receive this information, the member can go to the Update Membership page and indicate that in the preferences section.

ProfessionalCharges.com does not sell, trade, or rent the information we collect to others. ProfessionalCharges.com may provide aggregate statistics about visitors, members, transactions, traffic patterns, and related site information to reputable third-party vendors, but these statistics will include no personally identifying information.

Security

We use a secure Web server for the handling of all credit card data and membership information. The secure server (SSL) encrypts or converts the data into unreadable code, which allows users to enter private information and credit card data safely. Our server offers the 128-bit encryption. Our Website is hosted by a company that maintains and protects the server with the proper firewalls, which makes clandestine entry by a hacker nearly impossible. We use iTransact, a major commercial credit card processor and security company to handle the verification, authorization and processing of credit card charges.

All of the membership, client and credit card data we collect is protected against unauthorized access, is stored in a protected and encrypted database. No complete client credit card numbers are stored on our Site or in our database. A Username and Password are required for access to the protected area where members are able to view and make changes to their membership data.

Cookies: We use temporary session cookies as part of our security. When a member logs in with the correct Username and Password a unique cookie is sent to the user's browser identifying the user and enabling access only to that user's account information. The cookie disappears when the user exits the members only area or when the user remains idle for more than 3 hours. If the login cookie is not present there is no access to the protected area of the Site. In order to use our service, members must accept the temporary cookie.

Changes and Updates

Members may update or change information related to their membership and account by using their User Name and Password to access the Edit Membership Information page and making the appropriate change.

There is no commitment or obligation for members to submit charges for their services through our Website or for length of membership. Members may opt to terminate their membership at any time.

ProfessionalCharges.com reserves the right to make changes in the Web Site and this privacy statement.

HIPAA

(Comments: The information we collect on our members' clients and patients includes their name and address, type of credit card, card number, expiration date, amount of charge, and a general description of the charge such as Professional Services. Many of our members are covered entities and many are not. Many of our are covered entities also provide professional services other than health care services, such as continuing education. We receive no information about a patient's diagnosis or the procedure code of the services rendered. When a member submits a charge, we have no way of knowing whether or not the charge was for health care service or for some other professional service.) To conform to the requirements of the Health Insurance Portability and Accountability Act of 1996 (HIPAA), ProfessionalCharges.com agrees to:

Use any client or patient information collected only for the purpose of completing the processing of the charges submitted.
Safeguard the information from misuse.
Advise the provider when violations have occurred.
Cooperate with the provider to provide individuals access to information upon request where this applies.

Contacting the Web Site

If you have any questions about this privacy statement, the practices of this site, or your dealings with this Website please contact us.

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