SECURITY

We use Secure Socket Layering (SSL) technology to encrypt your personal credit or debit card information, including the account number, while it is transmitted over the internet between your computer and our website's servers. SSL is the industry standard technology for secure online transactions. Encryption is a sophisticated method of "scramboling" the data.

If unauthorized charges (as determined by your card issuer) are made on your credit card or debit card, as a result of purchases made on jcp.com utilizing our secure servers, the 3in1 Napkin will reimburse you for up to $50.00 of any amounts you are required to pay by the card issuer. Also under the Fair Credit Billing Act, your credit card provider cannot hold you liable for more that $50.00 of unauthorized charges on a credit card. Your liability for unauthorized use of a debit card may be higher, but many debit card issuers voluntarily apply for the $50.00 limit to their cards as well. Remember: In the event of unauthroized use of your credit or debit card, you must promptly notify the card issuer pusuant to its reporting rules and procedures.

Our Commitment To Data Security
We have appropriate physical, electronic and procedural security safeguards to protect and secure the information we collect on our dedicated servers. We understand the dangers associated with unauthorized access to your private information and we have taken the adanced steps in protecting your information using one of the industries best data security sytems and access bridges.

Secure Socket Layering (SSL)
Our website uses Secure Sockets Layering (SSL) technology from Verisign's Extended 256 SSL system to encrypt your personal credit information, including your credit card number, before it travels over the Internet. SSL technology is the industry standard for secure online transactions. Using Verisigns Extended security SSL, placing an order online at our website is just as safe as giving your credit card number over the phone.

Safe Shopping Guarantee
Our security measures are designed to prevent anyone from stealing and using your credit card number. In addition, consumer protection laws protect you against the unauthorized use of your credit card. Under the Fair Credit Billing Act, if your credti card is used without your authorization, your liabiliy for those fraudulent charges cannot exceed $50.00. So if someone steals your credit card or your credit card number, your liability is limited to $50.00 no matter how much the thief charges to your account. If your credit card provider does hold you liabel for any part of this $50.00, we will cover the entire liability for you, up to the full $50.00.

In the event of unauthorized use of your credit card, you must notify your credit card provider in accordance with its reproting rules and procedures. Failure to do so will negate our shopping guarantee.