Security Awareness


We have established effective controls to protect the confidentiality, security and integrity of all customer information and to ensure the security of online transactions. Protecting the privacy and the confidentiality of the communications is our utmost priority.


Please be aware that you must exercise the same care and caution while using your online account with us. Following are some guidelines that can help protect your information and provide a safer online experience.


PC Security

  • Keep your PC secure. Use up-to-date Anti-Virus and Anti-Spyware software. Use this software to run scans frequently to detect and remove programs that may be harmful to your computer or can obtain your personal information. It is important to install the updates recommended by your operating system and software providers.
  • Use latest version of Browsers. Keeping your browser up to date will help ensure you have your browsers latest security updates. When using our online services, we strongly suggest using the browsers recommended for this service.
  • Be sure that you have a firewall installed and enabled on your computer. A personal firewall can help prevent unauthorized users from gaining access to a computer.
  • Do not click pop-up windows or suspicious links in emails, even from people you know. These can be tricks to install spyware and steal financial and or personal information.
  • We strongly advises against logging in to your online account from a computer that is not controlled by you or your company. For example do not login from a library, hotel computer, or other public computer.

 


Protecting Your Account Information

  • When using online checkout, look for safety symbols such as a padlock icon in the browser's status bar and an "s" after "http" in the URL, or the words "Secure Sockets Layer (SSL)." These are signs that ensure you are browsing secure page for transmitting personal information.
  • Be suspicious of anyone that calls or writes to you asking for card account information. Do not provide such information unless you initiated the communication.
  • Carefully review any pre-checked boxes on an online order form before you submit your payment card information. Failing to un-check the boxes may bind you to terms and conditions you're not interested in.
  • Monitor card statements or account activity regularly and report any suspicious or unauthorized charges.
  • Choose your password carefully and avoid easy to guess passwords related to your family, friends, pets, key dates, etc. Use symbols and numbers to make your password unique.
  • Keep your password and security question information secret at all times.
  • Information revealing your identity can be as easily stolen offline as it can online. It is important that you comply with instructions about destroying new PIN numbers and expired bank cards. You should also consider using a crosscut shredder to destroy unneeded bank and other statements that may contain sensitive personal information. It is advisable to store retained documents in a suitable locked and secure place.
  • Use Alerts to keep yourself updated about the Card Account Activity.
  • It is important to completely log off from your session; simply closing the browser window you performed the transaction may not close the session. If your computer is infected with a Trojan, your session may become hijacked by a criminal and financial transactions may be performed without your knowledge. It is also advisable to disconnect from the Internet if you are not planning to use it.
  • Memorize your password. Never write down your password or security question information.
  • Never give your account details to anyone during phone calls, chat sessions, or verbally unless you know who they are and why they need them.
  • If someone calls you and you are are suspicious about them, take their details and contact us using the phone number printed on back of your card.

 


Contacting Us

It is essential that you tell us as soon as you can if:

  • you suspect or discover that someone else knows your password or security question information.
  • you suspect or discover a fraudulent transaction. 
  • The best way of contacting us is by calling the phone number on the back of your card. 
 

 
 

 

Information About Your Right to Dispute Errors: In case of errors or questions about your electronic transactions, call 1-800-486-0273 or
write to Achieve Financial Services, PMB 296, P.O. Box 5100, Pasadena, CA 91117 if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 1-800-486-0273 or writing us at Achieve Financial Services, PMB 296, P.O. Box 5100, Pasadena, CA 91117. You will need to tell us:
(1) Your name and Card Account number.
(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar amount and date of the of the suspected error.
If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days.  We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card. If you need more information about our error-resolution procedures or the full terms and conditions of your Cardholder Agreement, please refer to your Cardholder Agreement or visit www.AchieveCard.com

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