Elan Financial Services - Account Management

Account Management

Elan offers the latest technologies created specifically to fit your business needs. Our comprehensive online solutions provide real-time access to account administration, reporting and expense management.

Find out how Access^® Online, Payment Analytics, Visa^® IntelliLink Spend Management work together to make managing your card program and expense reporting processes easier than ever before.

Access Online

Effectively run your business with comprehensive data and management tools

Access Online provides your organization with real time access to your commercial card program anywhere, anytime, within a secured environment. This powerful system simplifies the management and reporting of your card program with a single integrated offering.

Access Online's feature-rich platform can be easily configured and quickly deployed to meet the unique needs of your organization -- you implement the features and functionality that best support your business. Our user-friendly system provides you with the security, functionality, reliability and scalability to meet the changing demands of your organization.

With Access Online you can:

Efficiently set up and maintain accounts in real time, without losing the controls needed to ensure policy compliance and the proper level of accountability
Maintain regulatory compliance through complete audit trails and detailed transaction history
Retrieve up-to-the-minute spending data at all levels of your organization for more accurate financial planning and effective supplier negotiations
Identify spending patterns via standard and ad hoc reports along with robust data extract capabilities
Streamline accounts payable reconciliation and general ledger information with a single point of access to transaction data

Payment Analytics

Effectively monitor transactions with Payment Analytics

Payment Analytics is an easy-to-use, web-enabled tool that lets you monitor adherence to commercial card payment policies. It also provides the necessary audit functionality to mitigate your control-related risk. Using customizable rule templates, organizations can automatically review all card transactions and flag suspected card misuse and out-of-policy spending.

With Payment Analytics you can:

Automatically monitor 100% of card transactions and flag suspected card misuse or out-of-policy spending
Streamline your audit process and gain greater spend visibility and control with less effort
Get up and running quickly and easily with our simple web-based interface - no hardware, software or extensive training required
Access your commercial transaction data online, anywhere, anytime

Visa IntelliLink Spend Management

Automate your business travel expense management process

Visa IntelliLink Spend Management offers anytime, anywhere expense reporting. This full-featured expense management solution is integrated into one single platform, allowing employees to easily manage travel expenses while enabling program administrators to better track spending patterns and enable cost analysis.

Visa IntelliLink Spend Management provides valuable transaction data you can use to streamline payments, enhance program oversight and empower cardholders. Travelers get a time-saving tool that automatically posts all their Elan commercial card purchases into an online account, so they can easily submit accurate expense reimbursement requests. Travel managers get the ability to quickly approve traveler expenses and ensure they comply with company policy. And finance professionals get to see exactly where their travel dollars are going.

With Visa IntelliLink Spend Management you can:

Create expense reports using pre-populated card data and easily enter out-of-pocket expenses
Integrate transaction data directly into your financial and general ledger systems
Leverage management reporting to help monitor corporate and individual spend
Generate employee activity, category and supplier reports to identify cost-savings opportunities
Eliminate the costs associated with paper-based transactions and reporting

Facts	What do we do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Transaction history and credit history
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons we choose to share; and whether you can limit this sharing.

Facts

What do we do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and income
Account balances and payment history
Transaction history and credit history

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons we choose to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Elan Financial Services share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes— information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes— information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No^*	We don't share

Reasons we can share your personal information

Does Elan Financial Services share?

Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

For our marketing purposes—
to offer our products and services to you

Yes

For joint marketing with other financial companies

We don't share

For our affiliates' everyday business purposes—
information about your transactions and experiences

We don't share

For our affiliates' everyday business purposes—
information about your creditworthiness

We don't share

For nonaffiliates to market to you

No^*

We don't share

What we do
How does Elan Financial Services protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Elan Financial Services collect my personal information?	We collect your personal information, for example, when you open an account or give us your income information pay your bills or provide account information use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates' everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What we do

How does Elan Financial Services
protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Elan Financial Services
collect my personal information?

We collect your personal information, for example, when you

open an account or give us your income information
pay your bills or provide account information
use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

sharing for affiliates' everyday business purposes—information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Elan Financial Services does not share with affiliates
Nonaffiliates	Companies not related by common ownership or control. They can befinancial and nonfinancial companies. Elan Financial Services does not share with nonaffiliates so theycan market to you
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Elan Financial Services doesn't jointly market

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Elan Financial Services does not share with affiliates

Nonaffiliates

Companies not related by common ownership or control. They can befinancial and nonfinancial companies.

Elan Financial Services does not share with nonaffiliates so theycan market to you

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Elan Financial Services doesn't jointly market

Other important information
You may have other privacy protections under applicable state laws. To the extent these state laws apply, we will comply with them when we share information about you. For California residents: In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law. For Vermont residents: In accordance with Vermont law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example with your consent or to service your account. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent. For Nevada residents: We may contact our existing members by telephone to offer additional financial products that we believe may be of interest to you. You have the right to opt out of these calls by adding your name to our internal do-not-call list. To exercise your opt-out choice, call 888-520-8796. For more information about your opt out rights, please contact us at the telephone number referenced on the back of your credit card or write to Cardmember Services, Privacy Choice, P.O. Box 6354, Fargo, ND 58125-6354. You are being provided this notice under Nevada state law. In addition to contacting us, Nevada residents can contact the Nevada Attorney General for more information about your opt out rights by calling 775-684-1100, emailing bcpinfo@ag.state.nv.us, or by writing to: Office of the Attorney General, Nevada Department of Justice, Bureau of Consumer Protection 100 North Carson Street, Carson City, NV 89701-4717

Other important information

You may have other privacy protections under applicable state laws. To the extent these state laws apply, we will comply with them when we share information about you.

For California residents: In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law.

For Vermont residents: In accordance with Vermont law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example with your consent or to service your account. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

For Nevada residents: We may contact our existing members by telephone to offer additional financial products that we believe may be of interest to you. You have the right to opt out of these calls by adding your name to our internal do-not-call list. To exercise your opt-out choice, call 888-520-8796. For more information about your opt out rights, please contact us at the telephone number referenced on the back of your credit card or write to Cardmember Services, Privacy Choice, P.O. Box 6354, Fargo, ND 58125-6354. You are being provided this notice under Nevada state law. In addition to contacting us, Nevada residents can contact the Nevada Attorney General for more information about your opt out rights by calling 775-684-1100, emailing bcpinfo@ag.state.nv.us, or by writing to:

Office of the Attorney General, Nevada Department of Justice, Bureau of Consumer Protection 100 North Carson Street, Carson City, NV 89701-4717