Versign SSL Technology
We Love Colors uses VeriSign as the SSL Certificate provider for our website (www.welovecolors.com). Versign is the chosen SSL Certificate provider for over 93% of the Fortune 500 businesses and the top 10 U.S. banks. We Love Colors realizes how important security is to you, so we've taken a number of steps to enhance the protection of personal or confidential information sent to or from We Love Colors over the Internet. This includes Credit Card and other personal information. First, we require that a "secure session" be established, using Secure Socket Layer (SSL) Technology. This is done any time you supply or access personal or confidential information in one of our secure online areas. SSL Technology creates a private conversation that only your computer and We Love Colors web servers can understand. The SSL Technology encodes information as it is being sent over the Internet between your computer and We Love Colors web server, helping to ensure that the transmitted information remains confidential. The use of SSL requires two components: an SSL-compatible browser and a Web server to perform the "key-exchange" that establishes a secure connection to We Love Colors web server.
Requirements For SSL Technology
Compliant Internet Service Provider
Nearly all Internet Service Providers (ISPs) automatically enable the SSL session described above. If you are accessing the Internet at your place of work and you find you cannot use We Love Colors shopping cart or access the We Love Colors secure pages with an SSL enabled browser, your company may be blocking access via a "firewall." Please speak to your firm's Internet access systems administrator for further details on your network's Internet access.
Cookies are small text files that a Web site can place on your computer's hard drive in order to maintain information, for example, welovecolors.com uses a cookie for its shopping cart to keep track of items you wish to purchase. The cookie transmits shopping cart information back to welovecolors.com web server which is the only computer that can read it. You also must have enabled cookies on your browser in order to use We Love Colors shopping cart and access your account information. If you have chosen to disable cookies on your browser, you may not be able to access use We Love Colors shopping cart and will not be able to access your confidential account information.
User ID and Password
Areas of the Site require the use of a User ID and Password as an additional security measure that helps protect your personal account information. This allows We Love Colors to verify who you are, thereby allowing you access to your account information, and preventing unauthorized access. When you have finished using a secure area of We Love Colors Site, make sure you always click on the "Log Out" link which appears on the upper right-hand side of every secure page. When you click on it, you will be given the option to end your secure session. No further secure transactions can be conducted without re-entering your User ID and Password. You should be aware that browser software often "caches" a page as you look at it, meaning that some pages are saved in your computer's temporary memory. Therefore, you may find that clicking on your "Back" button shows you a saved version of a previously viewed page. Caching in no way affects the security of your confidential User ID or Password. If you use a computer in a public place to access your account information, simply quit/exit the browser software before leaving to minimize the possibility of anyone else viewing your confidential information.
You should be aware that other Internet sites that you link to from the We Love Colors Site or a We Love Colors e-mail may contain privacy provisions that differ from the provisions of our Privacy Statement. To ensure your privacy is protected, we recommend that you review the privacy statements of other Internet sites you visit.
We authorize our Visa®, MasterCard®, American Express®, and Discover Card® Merchant companies to conduct periodic information security or "vulnerability" scans on our website and/or servers to ensure that we are complying with information security and data storage requirements.
MasterCard® Zero Liability
Have peace of mind knowing you won't be responsible for unauthorized purchases. As a MasterCard cardholder you are not liable in the event of an unauthorized use of your U.S.-issued MasterCard card. This coverage extends to purchases made in a store, over the telephone, or online. Zero Liability is provided under the following conditions: Your account is in good standing. You have exercised reasonable care in safeguarding your card. You have not reported two or more unauthorized events in the past 12 months. What to do if... If you suspect unauthorized activity on your account, stop using your card and contact the bank that issued your MasterCard card as soon as possible. Zero Liability does not apply to MasterCard-branded cards issued to an entity other than a natural person; primarily for business, commercial, or agricultural purposes; outside of the U.S. region; or if a PIN is used as the cardholder verification method for the unauthorized transaction(s).
Visa® Zero Liability
It's simple. Shop online and off with absolutely no risk Use your Visa card to shop online, in a store, or anywhere, and you're protected from unauthorized use of your card or account information. With Visa® Zero Liability policy*, your liability for unauthorized transactions is $0—you pay nothing. Zero Liability has you covered Worry-free shopping Ultimate security Complete fraud protection Owe nothing on fraudulent transactions Visa's Zero Liability policy means 100 percent protection for you. Visa's enhanced policy guarantees maximum protection against fraud. You now have complete liability protection for all of your card transactions that take place on the Visa system. Should someone steal your card number while you're shopping, online or off, you pay nothing for their fraudulent activity. If you notice fraudulent activity on your card, promptly contact your financial institution to report it. It is important to continually monitor your monthly statement to identify any unauthorized transactions.** Visa's Zero Liability policy took effect April 4, 2000, and is a great improvement on the previous policy. The former policy required that you report fraudulent activity within two business days of discovery. After this two-day period, you could be held responsible for up to $50 of the unauthorized charges. With the new Zero Liability policy, you're no longer required to report fraudulent activity within two days and you're not responsible for any fraudulent transactions made over the Visa network. The Zero Liability policy covers all Visa credit and debit card transactions processed over the Visa network—online or off. The only transactions not covered under the Zero Liability policy are commercial card, ATM, and non-Visa-branded PIN transactions. For transactions on other networks, the liability decision is left to the financial institution that issued your card. The issuer has the option of extending the same protections afforded by Visa's Zero Liability policy. Get quick provisional credit for fraud losses Visa's cardholder protection policy requires all financial institutions issuing Visa products to extend provisional credit for losses from unauthorized card use within five business days of notification of the loss. However, many major financial institutions affiliated with Visa will issue provisional credit even earlier—within 24 to 48 hours after the loss is reported. Shop safely with Visa Visa takes online security very seriously so that you can shop safely on the Internet. With the support of member banks, Visa has invested millions of dollars in building a secure payment system. Visa works with law enforcement and technology companies to stay one step ahead of criminals. As a result of these efforts, fraud as a percentage of our total volume has actually declined over time. In the early 1990s, fraud accounted for about 0.15 percent of total Visa transaction volume; today it's a mere 0.06 percent—that's less than 1/16 of one percent. With Zero Liability, Visa continues to lead the card payment industry in consumer protection. Although card fraud is extremely rare and getting even rarer, Visa's policy eliminates any risk you face shopping online or off. You're protected with Visa Visa has highly sophisticated fraud-screening solutions in place, and works with technology companies every day to enhance them. Field merchants also receive training from Visa on fraud protection. Visa also mandates cardholder verification codes on the back of cards to help merchants match cards used for purchases with their authorized cardholders. Visa card issuers should have these codes on all newly issued Visa cards as of 2001. Visa's address verification service also helps merchants screen card-not-present transactions. Regardless of where you shop, enjoy the comfort of knowing you're protected with Visa. *Covers U.S.-issued cards only. Visa's Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa. See your Cardholder Agreement for more details. **Cardholders should always regularly check their monthly statements for transaction accuracy. Financial institutions may impose greater liability on the cardholder if the financial institution reasonably determines that the unauthorized transaction was caused by the gross negligence or fraudulent action of the cardholder—which may include your delay for an unreasonable time in reporting unauthorized transactions.
American Express® Online Fraud Protection Guarantee
Use the American Express Card online, and you won't be held responsible for any unauthorized charges. Period. No fine print, no deductible—just ironclad protection, so you can shop with confidence anywhere on the Internet. Maximum Security We use secure encryption technology to keep your information confidential. And if someone uses your Card without your consent, you'll never pay any part of the fraudulent charges—not even the first $50. Quick Resolution If any unauthorized charge appears on your statement, simply notify us at the 800 number on the back of your Card, or access your account at americanexpress.com and notify us by e-mail. In most cases, a temporary credit is given immediately. 24-hour Protection Our Fraud Detection system watches your account for uncharacteristic or unusually high charges. If your identity is not verified, the purchase is stopped.