Generic Medicine Program respects the privacy of our visitors to our website. This Privacy Policy is intended to inform you of our policies and practices regarding the collection, use and disclosure of any personal information you submit to us through our website. "Personal Information" is information about you that can individually identify you. Examples of Personal Information include your name, address, email address, or phone number and other information that is not otherwise publicly available. This Privacy Policy applies only to information collected by Generic Medicine Program online through our websites, not offline.

User Consent
By submitting Personal Information through our website, you agree to the terms of this Privacy Policy.

Anonymous Data
As you navigate our website, certain information regarding your use of the website will also be automatically collected, including Internet Protocol addresses, cookies and navigational data. This type of information will be used for the purposes of gathering data to provide improved administration of our website and to improve the quality of your experience when interacting with our website.

Use of Personal Information
Personal Information you submit to us is used either to provide you with information you have specifically requested or to aid us in serving you better. We may use your Personal Information to communicate with you about new products in which you may be interested or about new information regarding our company.

Disclosure of Personal Information
We do not intentionally share your Personal Information with unauthorized third parties. We may share your Personal Information with third party service providers that, for example, administer our email subscriptions and requests for information, or provide services in connection with employment applications.

We cannot fully ensure that your private communications and other Personal Information will not be disclosed to third parties. For example, we may be legally obligated to disclose information to the government or third parties under certain circumstances (such as pursuant to a subpoena), or third parties may circumvent our security measures to unlawfully intercept or access transmissions or private communications. Additionally, in the unlikely event we need to investigate or resolve possible problems or inquiries, we can, and you authorize us to, disclose any information about you to law enforcement or other government officials as we believe necessary.

Regarding Children
Our website is not designed for children under the age of 13. We will not deliberately gather Personal Information about visitors in this age group, and do not collect any information on this website with respect to age. Generic Medicine Program abides by the Children's Online Privacy Protection Act in the United States of America.

Links to Other Sites
Our provision of a link to any other website that is not controlled by Generic Medicine Program is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review and cannot be responsible for, these third party websites or their content. Please be aware that the terms of our Privacy Policy do not apply to these outside websites.

Data Security
When you complete a Medical Information Request Form and subscribe to our product emailing list, we use industry-standard methods to secure the communication of Personal Information from your computer to our servers. We use industry-standard methods of securing our databases of Personal Information, including the use of firewalls. Except as provided elsewhere in this Privacy Policy, we limit access to Personal Information databases to those persons in our organization who have a business need for such access. However, you should know that no company, including Generic Medicine Program, can fully eliminate security risks associated with Personal Information.

Privacy Policy Updates
This Privacy Policy is subject to occasional revision, and any changes will be posted on this site. If you object to any such changes, you must cease using our website. Continued use of our website following notice of any such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes. This policy was last updated August 2005. All Rights Reserved.

Contact Generic Medicine Program
If you have any queries or complaints about our compliance with this Privacy Policy or if you would like to make any recommendations or comments to improve the quality of our Privacy Policy, please contact the Generic Medicine Program Public Affairs department.


Generic Medicine Program™
Public Affairs Department
P. O. Box 125
Doniphan, Mo.
Postal Code 63935-0125
public_affairs@GenericMedicineProgram.com
Welcome to the terms and conditions (the "Terms and Conditions") for use of a bank account as a payment method on GenericMedicineProgram.com. Please note that your use of the GenericMedicineProgram.com Web site is also governed by our Conditions of Use and Privacy Notice, as well as all other applicable terms, conditions, limitations and requirements contained on the GenericMedicineProgram.com Web site, all of which (as changed over time) are incorporated into these Terms and Conditions. If you choose to use a bank account as your payment method on GenericMedicineProgram.com, you accept and agree to these Terms and Conditions.1. Bank Account Payments. By choosing to use a bank account as your payment method on GenericMedicineProgram.com, you will be able to complete your purchase using any valid automated clearing house ("ACH")-enabled bank account at a United States-based financial institution. Whenever you choose to pay for an order using your bank account, you are authorizing GenericMedicineProgram.com to debit your bank account for the total amount of your purchase (including applicable taxes, fees and shipping costs). To complete your transaction, GenericMedicineProgram.com, or an agent acting on its behalf, will create an electronic funds transfer or bank draft, which will be presented to your bank or financial institution for payment from your bank account. Your transaction must be payable in U.S. dollars. GenericMedicineProgram.com, in its sole discretion, may refuse this payment option service to anyone or any user without notice for any reason at any time.2. Electronic Signature and ACH Authorization. By choosing your bank account as your payment method, you agree that: (a) you have read, understand and agree to these Terms and Conditions, and that this agreement constitutes a "writing signed by you" under any applicable law or regulation, (b) you consent to the electronic delivery of the disclosures contained in these Terms and Conditions, (c) you authorize GenericMedicineProgram.com (or its agent) to make any inquiries we consider necessary to validate your dispute, which may include ordering a credit report and performing other credit checks or verifying the information you provide against third party databases, and (d) you authorize GenericMedicineProgram.com (or its agent) to initiate one or more ACH debit entries (withdrawals) for the specified amount(s) from your bank account, and you authorize the financial institution that holds your bank account to deduct such payments.3. Partial Debits and Returned Payments. If your full order is not processed by us at the same time, you hereby authorize partial debits from your bank account, not to exceed the total amount of your order. If any of your payments are returned unpaid, GenericMedicineProgram.com reserves the right to charge you a returned item fee of twenty-five dollars ($25.00) or the maximum amount allowed by law, which may be added to your payment amount and debited from your bank account if we resubmit an ACH debit due to insufficient funds. We may initiate a collection process or legal action to collect any money owed to us. You agree to pay all our costs for such action, including any reasonable attorneys' fees.4. Cancellations and Refunds. To cancel a purchase and request a refund, please follow the instructions and procedures contained on the GenericMedicineProgram.com Web site. When you cancel a purchase in accordance with these procedures, GenericMedicineProgram.com (or its agent) will initiate a credit to your bank account for the correct amount. 5. Customer Service. All questions relating to GenericMedicineProgram.com orders or any payments made using your bank account should be directed to us, and not to the financial institution that holds your bank account. You may contact us regarding your GenericMedicineProgram.com orders or any payments made using your bank account by calling us at 1-800-201-7575, or by writing to us at http://www.GenericMedicineProgram.com/contact-us. You may also view your transaction history at any time in the "Your Account" area of the GenericMedicineProgram.com Web site.6. Error Resolution Policy. If you believe that any payment transaction initiated by GenericMedicineProgram.com (or its agent) with respect to your bank account is erroneous, or if you need more information about any such transaction, you should contact us as soon as possible by telephone or e-mail using the telephone number or web address provided in Section 5 of these Terms and Conditions. In any event, we must hear from you no later than 90 days after the date the questionable transaction FIRST appeared on your bank account statement. When you contact us, provide us with the following information: • your name and the e-mail address associated with your GenericMedicineProgram.com customer account, • a description of the error or the transfer you are unsure about, and a clear explanation as clearly as you can why you believe it is an error or why you need more information, • the dollar amount of the suspected error, • the transaction date and associated transaction identification number from your bank account statement, • a telephone number at which you can be reached in case we need further information, • the telephone number of the bank, and • that portion of your bank account statement containing the GenericMedicineProgram.com transaction information (if requested).If you provide us with this information orally, we may require that you send us your complaint or question in writing within ten (10) Business Days. A "Business Day" means Monday through Friday, excluding federal banking holidays. We will attempt to 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, and your inquiry or complaint involves any amounts debited from your bank account, we may transmit a provisional credit to your bank account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not grant provisional credit of the disputed amount. We will tell you the results of our investigation within three (3) Business Days after its completion. If we determine that there was no error, we will send you a written explanation, and we may, and you authorize us to, debit your bank account for the amount of the provisional credit. You may ask for copies of the documents used in our investigation.7. Your Liability for Fraud or Unauthorized Use. If any fraudulent or unauthorized transaction occurs in your GenericMedicineProgram.com account, we will reimburse you for your losses from such transactions if you inform us within 90 calendar days from when the unauthorized transaction is posted to your bank account statement from GenericMedicineProgram.com (or its agent). Notify us promptly by telephone at 1-573-996-3333 or e-mail using the web address http://www.GenericMedicineProgram.com/contact_us.html. You may be required to comply with Section 6 (Error Resolution Policy) to be eligible for reimbursement. If you do not inform us within 90 calendar days after any fraudulent or unauthorized transaction is posted to your bank account statement, you may not get back any money you lost after the 90 days if we can prove that we could have stopped someone from taking the money if you had told us within such time period. If a good reason (such as a long trip or hospital stay) prevented you from telling us, we will extend the time periods accordingly.Notify us at once if you believe the password associated with your GenericMedicineProgram.com customer account has been lost or stolen, or if someone has attempted (or may attempt) to make a transfer from your bank account to complete an GenericMedicineProgram.com purchase without your permission. We reserve the right to cancel the ability to pay by bank account on GenericMedicineProgram.com for any reason.8. Electronic Disclosures/Communications. You agree to accept all disclosures and other communications between you and us on this Web site or at the primary e-mail address associated with your GenericMedicineProgram.com customer account. You should print and retain a copy of all such disclosures and communications.9. Our Liability. If we fail to debit your bank account in accordance with these Terms and Conditions, in the correct amount, we may be liable for certain losses directly caused by our failure as the law may impose in such cases. However, there are some exceptions. For instance, we will not be liable where: (1) you do not have enough money in your bank account; (2) your bank account is closed or withdrawals restricted; (3) any terminal or system was not working properly and you were advised of that before you initiated the payment; (4) circumstances beyond our control (such as flood, fire, power outages, mechanical or system failures); (5) your financial institution refuses to honor an ACH debit; (6) your instructions are lost or delayed in transmission to us; (7) a reasonable security concern, such as unauthorized use, causes us not to honor your instructions; (8) this payment option has been discontinued or suspended; (9) we advise you that your request will not be processed; and (10) other exceptions allowed by law. If our error was unintentional and resulted from a bona fide error, our liability is limited to actual damages.10. Agreement Changes. We may in our discretion change these Terms and Conditions, GenericMedicineProgram.com’s Conditions of Use and/or its Privacy Notice at any time without notice to you. If any change is found to be invalid, void, or for any reason unenforceable, that change is severable and does not affect the validity and enforceability of any other changes or the remainder of these Terms and Conditions. We reserve the right to subcontract any of our rights or obligations under these Terms and Conditions. YOUR CONTINUED USE OF YOUR BANK ACCOUNT AS A PAYMENT METHOD ON GENERICMEDICINEPROGRAM.COM AFTER WE CHANGE THESE TERMS AND CONDITIONS, GENERICMEDICINEPROGRAM.COM’S CONDITIONS OF USE AND/OR ITS PRIVACY NOTICE CONSTITUTES YOUR ACCEPTANCE OF THESE CHANGES.