ValueTech provides a safe and secure shopping environment for our patrons. Most consumers are unaware that it is statistically safer to use your credit card over the Internet than in traditional stores and restaurants. These businesses use a multiple copy sales draft, which requires your signature. The employee now has access to not only your credit card number but signature as well. Internet transactions are performed electronically without a multiple copy sales draft making your purchase safer. ValueTech utilizes SSL (Secure Sockets Layer), the most widely used encryption technology. This technology is compatible with Netscape Navigator version 2.0 and above, Microsoft Explorer version 3.0 and above and AOL version 3.0 and above. SSL encrypts your credit card number by transforming the data into an unreadable format. Only an authorized processor can convert this information to complete the transaction. In the unlikely event that you experience any unauthorized use of your credit card as a result of shopping while utilizing ValueTech services, immediately follow the notification procedures required by your credit card company. Upon confirmation of credit card fraud, if your issuing company fails to waive your entire liability for unauthorized charges, ValueTech will reimburse you for the remaining liability, up to a maximum of fifty dollars.

Furthermore, legislation exists to protect against fraud on paper that apply to electronic transactions as well. The Fair Credit Billing Act of 1975 was passed to help consumers resolve disputes with creditors and to ensure fair handling of credit accounts. According to the law, even if your credit card number was stolen and charged to the limit, your maximum liability is only $50.00 whether charged in person, over the phone, or online. However, you must report the misuse immediately to the credit card company. Know your rights! For more information including your rights, contact information, and legal recourse, please visit the Federal Trade Commission's Fast Facts Sheet on the Fair Credit Billing Act at:

http://www.ftc.gov/bcp/conline/pubs/credit/fcb.htm. Or, read the actual act at: http://www.epic.org/privacy/financial/fcra.html.

If you purchase one of our products, after your credit card or check is approved, you will receive our product installation CD via regular mail or also available via our website for download. Once you have installed the software, you will be asked to register your copy in order to run the application. Upon registration, you will be required to send an e-mail to support@valuetechsoftware.com along with your registration information. Once we recieve your registration information, an email will be sent back to you with the license key to unlock the software. Once this license key is emailed to you, there will be no refunds given. We have this policy since it would be impossible for you to return your registered version of our software. With a traditional retail purchase, you are able to return a physical product.

Please send any questions regarding our refund policy to info@valuetechsoftware.com

Please feel free to contact a ValueTech security and privacy professional at privacy@valuetechsoftware.com for a candid and speedy response to individual questions.


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