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Anti-Spam Policy

Credit Cards, NJ
Anti-Spam Policy

What is Spam?

Spam is unsolicited e-mail, often of a commercial nature, sent indiscriminately to multiple mailing lists, individuals, or newsgroups. In short, spam is "junk e-mail."

As defined by H.R. 3113 and reported by the Subcommittee on Telecommunications, Trade, and Consumer Protection, unsolicited e-mail refers to any electronic message that:

  • advertises a product or service for profit,
  • is sent for other commercial purposes,
  • is sent to a recipient with whom the initiator does not have an existing business relationship, or
  • invites the recipient to view content on an internet website that is operated for a commercial purpose.

CCNJ recognizes an e-mail as "spam" if:

  • the recipient is unable to easily unsubscribe from the e-mail list,
  • the transmission contains invalid or forged headers, invalid or non-existent domain names, or other means of deceptive addressing, or
  • in the opinion of the recipient, the transmission and reception of the message appears to give a disproportionate benefit to the sender.

What is opt-in vs. opt-out e-mail?

Opt-in e-mail is a web marketing term for promotional e-mail that recipients have previously requested by signing up via a website or special ad banner. Typically, web users are invited to sign up for promotional information about one or more product or service categories. Those who sign up have thus "opted in."

Opt-out e-mail is a web marketing term for promotional e-mail that recipients have not previously requested by signing up. However, for CCNJ e-mail distributions, the contact's e-mail address must have been provided to CCNJ Systems, Inc. by that individual via a CCNJ website, conference, or trade show. Individuals who have willingly given CCNJ their contact information via these methods are automatically added to e-mail distribution lists that benefit that individual. Although the individual is added to the e-mail distribution list on the concept of opt-out, the individual is ALWAYS given the opportunity to easily unsubscribe - without being hassled.

What is CCNJ doing to become "anti-spam?

CCNJ hopes that individuals find its e-mail communications informative and helpful. However, CCNJ respects the recipient's wishes for either receiving or not receiving e-mail communications from us. Therefore, CCNJ has adopted the following as procedures for all of its e-mail distribution communications:

  1. Valid addressing

    The e-mail communication will be sent to a single recipient with the intention of it being received by only one individual. The sender address will be a valid CCNJ e-mail address that is monitored by a CCNJ employee. Therefore the sender address can also be sent e-mail. The sender address will be relevant to the content of the message being sent.

  2. Valid headers/subjects

    The e-mail communication will always have a header or subject that is appropriate and true to the content provided in the communication. The header or subject will not be used inappropriately or give a disproportionate benefit to the sender.

  3. Valid contact information

    Any contact information in the e-mail communication will be real and relevant to CCNJ.

  4. Valid subscribe/unsubscribe service

    The e-mail communication will always have the "CCNJ Subscription" information at the end.

    CCNJ also has a strict privacy policy posted on all their websites, which addresses the fact that information collected by CCNJ is not sold, but used internally for marketing and telemarketing campaigns.

  5. Relevant and beneficial information for the recipient

    CCNJ attempts to provide honest information about our company, solutions, products, services, or other information which we feel will be in some way relevant and beneficial to the recipient.

  6. Mindfulness and compliance with company policies

    CCNJ's e-mail distributions will be mindful and in compliance with its current Privacy Policy as well as its Anti-Spam Policy which is in compliance with current international privacy-policy requirements.

Dated: 07.05.2007



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CCNJ refers all merchant accounts to one or more of the following processors:
Capitol Payment Systems/Wells Fargo Bank N.A, Walnut Creek, CA
North American Bancard/Wells Fargo Bank, N.A, Walnut Creek, CA & The Bancorp Bank, Philadelphia, PA
Electronic Payments, Wells Fargo Bank, N.A., Walnut Creek, CA
National Merchants Association, LLC, Wells Fargo Bank, N.A., Walnut Creek, CA. & Deutsche Bank, USA, New York, NY & BMO Harris Bank NA, Chicago, IL
Frontline Processing, Esquire Bank, Garden City, NY
Pivotal Payments, BMO Harris Bank, N.A Chicago; Wells Fargo Bank, N.A., Walnut Creek, CA; Westamerica Bank, Santa Rosa, CA
Pivotal Payments Direct Corp. a Registered MSP/ISO of the Canadian branch of U.S. Bank National Association, Elavon and Wells Fargo Bank, N.A., Canadian Branch



Credit Cards, NJ - Teaneck, NJ 07666
legal disclaimer | privacy policy | anti-spam policy | glossary | ccnj blog | agents' login
Experts in Credit Card Processing, Merchant Accounts, Credit Card POS Equipment, e-Commerce Solutions, Non-Profit processing & needs.
Accept Visa, MasterCard, American Express Discover & JCB cards at your business, Gift & Loyalty Cards to increase your business.
We also offer Web hosting services, ACH services, ATM, Business Cash Advances, Check Guarantees & Truncation services, Wireless & Mobile Processing and more

Proud member of the Teaneck Chamber of Commerce


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