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Cheque-Guard - The Ultimate Solution for Check Fraud
Founded in 1991, ChequeGuard Inc is the leading innovator in cheque fraud solutions for smaller and medium-size businesses and financial institutions. ChequeGuard's FormSuite for the IBM AS/400 series, and ChequeSeal™ and ChequeSuite™ for Windows allow businesses to integrate and rapidly deploy secure, controlled cheque printing and electronic payment solutions (In the USA: Automated Clearing House (ACH)), while concurrently creating a Positive Pay file for the bank as the cheques are printed by the customer.
ChequeGuard's ChequePoint™ product allows banks to offer Positive Pay solutions to business customers without requiring customers to upload cheque issue files that are traditionally required for Positive Pay (uploading is optional). ChequeGuard's solutions dramatically reduce operating costs frequently borne by both businesses and banks, while increasing the security of financial information shared.
2001: ChequeGuard is granted a US Patent for its ChequeSeal™ product. ChequeSeal™ is a "secure seal" encrypted barcode that can be printed on cheques and other documents. The barcode contains all of the critical data printed onto the cheque. Each encrypted barcode is unique to that cheque, and cannot be altered. Our patented barcode encoding and encrypting technology (encryption and decryption) can detect and identify altered or counterfeit cheques at the teller line, as well as during the back office sight review process or high speed cheque image processing.
● October 28, 2003: The United States Congress passes the Check Clearing for the 21st Century Act (Check 21).
● 2003: ChequeGuard joins the Financial Services Technology Consortium (FTSC). FSTC was a financial industry research organization comprised of banks, financial services firms, cheque printers, and other industry partners. It's purpose was to identify or develop image-survivable cheque security features that were useful to detect and prevent cheque fraud.
● 2004: ChequeGuard successfully passes FSTC's test for an image-survivable cheque security feature with its encrypted, image-survivable barcode.
● 2006: ChequeGuard and FSTC announce the completion of a major project to identify fraudulent cheques before they enter the payments system using state-of-the-art ChequeSeal™ technology.
● 2007: ChequeGuard joins a project to re-write the American National Standards Institute (ANSI) standards for cheques and cheques printing in an image environment.
● 2007: ChequeGuard joins ANSI's Accredited Standards Committee (X9) to develop the Specifications for the Validation of Interoperable Check Security Features.
News
New Registry of Security Marks Aims at Thwarting Check-Image Fraud
National Clearing House Takes Aim At Electronic Check Fraud
Plumb Bill Pay Partners with Cheque Guard
a Total Check Fraud Solution Provider
La Jolla, CA, July 25, 2019 --(PR.com)--
The Cheque Guard suite of products is the industry-leading answer to combating check fraud.
About Cheque Guard:
Founded in 1991, Cheque Guard Inc. provides small to medium-size businesses and financial institutions with check fraud solutions, including ChequeSeal™ and ChequeSuite™. These software products allow businesses to integrate and deploy secure, controlled check printing and electronic payments for the Automated Clearing House (ACH), while creating a Positive Pay file for the bank as the checks are printed by the customer.
La Jolla, CA, July 25, 2019 --(PR.com)-- Plumb Bill Pay, a premier back-office accounting, financial reporting, and bill pay firm for family offices and the high-net-worth, is pleased to announce a partnership with Cheque Guard and their fraud detection tools and software. The combination of Plumb Bill Pay’s secure cloud infrastructure with state-of-the-art Barracuda Spam Firewall and Cheque Guard’s top-rated check printing security creates a robust defense to protecting clients’ financial data.
"As a preferred outsourced bill pay vendor for many top multi-family offices, financial institutions, and high-net-worth families, our security concerns around check fraud are a high priority," said Anneke Stender, Executive Vice President of Plumb Bill Pay. "After evaluating numerous solutions, we are confident that Cheque Guard is the leader in the industry with their innovative suite of products," she said.
The Cheque Guard system replaces the need for Plumb Bill Pay to purchase individual checks from financial institutions for their clients. Instead, specific account information is imported onto blank checks made with an image-survivable seal that encrypts the data into a barcode. The product is ChequeSeal, the next generation of Positive Pay that requires no issue file or transmission. The ChequeSeal is decrypted and verified at the bank to ensure the authenticity of the check.
"Check fraud is the biggest form of payment fraud in the world, and we fully understand the magnitude of the issue," said Emil Ramzy, President of Cheque Guard. "There is great synergy with the Plumb Bill Pay team and we are happy to partner with them and provide peace of mind that their check writing solutions are safe and secure," he said.
Plumb Bill Pay offers a range of services, including bill payment, record keeping, income, and expense tracking, cash flow reporting, vendor management, and mail services. These solutions are customizable for every client depending on the need and complexity of their personal financial life.
"Security is at the forefront of Plumb, and we take a proactive approach to ensuring that customer data is not compromised," said Robert Scherer, President of Plumb Bill Pay. "Cheque Guard gives us the extra layer of protection against the potential vulnerabilities of check fraud," he said.
Plumb Bill Pay uses a proprietary task management system to facilitate and track bill pay management. It is hosted on a cloud infrastructure with bank-level security measures and VPN connection. Bills are paid on time, monitored for accuracy, and reconciled by a dedicated team of accounting experts who specialize in serving the needs of the high-net-worth.
About Plumb Bill Pay:
For over two decades, Plumb has been helping high-net-worth families, their businesses, and family offices achieve greater levels of personal freedom by handling their personal reporting and bill payment needs.
Plumb Bill Pay works with clients nationwide with office locations in Southern California: 1227 Prospect Street, Suite 200, La Jolla, CA 92037; 16904 Via de Santa Fe, Rancho Santa Fe, CA 92067 and 100 Bayview Circle, Suite 270, Newport Beach, CA 92660 and New York City: 747 Third Avenue, Suite 200, New York, NY 10017 www.TAGBillPay.com
Contact Information
Plumb
Robert Scherer
888-832-6824
www.Plumbbillpay.com
sales@thinkplumb.com
MICR Check Printing Guarantee
Cheque Guard is committed to providing the highest quality MICR printing solutions. To demonstrate our commitment, we offer this MICR Check Printing Performance Guarantee.
Cheque Guard ensures the readability performance of our MICR toner and approved check stock. Our toner quality adheres to ANSI standards. If any MICR reject rate problems arise we will help resolve them. If we are unable to resolve the issues we will reimburse you for bank fees related to rejects, provided Cheque Guard was notified of the problem, and we verify Cheque Guard's MICR printers or materials caused the bank fees.
Our MICR Check Printing Performance Guarantee includes toner and printers with toner low systems acquired by you from Cheque Guard, or a Cheque Guard Authorized MICR Reseller, and continuously maintained by Cheque Guard under a full-service maintenance agreement. This guarantee is applicable for three years from the printer delivery date and is not applicable to printers damaged due to no fault of Cheque Guard.Cheque Guard has created this privacy statement in order to demonstrate our firm commitment to privacy. The following discloses our information gathering and dissemination practices for the Web site www.cheque-guard.com:
> We use your IP address to help diagnose problems with our server, and to administer our Web site. Your IP address is used to help identify you and your shopping cart and to gather broad demographic information. Our site's request form requires users to give us contact information (like their name and e-mail address). The customer's contact information is used to contact the visitor when necessary.
> Our site uses an order form for customers to request information, products, and services. We collect visitor's contact information (like their e-mail address) and financial information (like their account or credit card numbers). Contact information from the order form is used to send orders to our customers. The customer's contact information is used to get in touch with the visitor when necessary. Financial information that is collected is used to bill the user for products and services.
> This site contains links to other sites. Cheque Guard is not responsible for the privacy practices or the content of such Web sites.
You can send mail to the following postal address: Marketing Department, 512 S. Verdugo Drive, Burbank, CA 91502. You can call the following telephone number: 818-563-9335. We are committed to providing a secure, friendly site where customers can shop without undue concern about security. If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact us via e-mail at info@cheque-guard.com or call 1-818-484-3275.
Terms and Conditions
Welcome to the Cheque Guard Internet Site ("Site") on the World Wide Web. Please review these Site terms of use, which govern your use of, and purchase of products from our Site. By accessing, browsing, or using this Site, you acknowledge that you have read, understand, and agree to be bound by these terms. If you do not agree to these terms then please do not use this Site.
Cheque Guard controls and operates this Site from its offices within the United States. The laws of the United States and the State of California govern claims relating to, including the use of, this Site and the materials contained herein. If you do not agree, please do not use this Site. If you choose to access this Site from another location, you do so on your own initiative and are responsible for compliance with applicable local laws.
SITE CONTENTS, OWNERSHIP, AND USE RESTRICTIONS
The information contained in this Site including all images, illustrations, designs, photographs, video clips, writings and other materials that appear herein are copyrights, trademarks, trade dress or other intellectual property owned, controlled, or licensed (all of which, collectively, are herein referred to as the "Contents") by Cheque Guard or its subsidiaries and affiliates ("Cheque Guard") or are the property of their respective owners. The name Cheque Guard and the Cheque Guard logo are registered marks of Cheque Guard.
Permission is granted to display, copy, distribute, download, and print in hard copy portions of this Site for the purposes of:
(1) Placing an order with Cheque Guard or
(2) Using this Site as a shopping resource, provided you do not modify the Site and that you retain all copyright and other proprietary notices contained in the Contents.
Except in connection with shopping or placing an order, none of the Contents may be copied, reproduced, distributed, republished, downloaded, displayed, posted electronically or mechanically, transmitted, recorded, in any manner mirrored, photocopied, or reproduced without the prior written permission of Cheque Guard or the applicable copyright owner.
Please note that the permission granted herein terminates automatically if you breach any of these Site terms or conditions. Any other use of the Contents on this Site including reproduction for purposes other than as noted above, and including any reproduction, modification, distribution, or republication may violate copyright or trademark laws, and, without the prior written permission of Cheque Guard, is strictly prohibited.
DISCLAIMER OF WARRANTY
CHEQUE GUARD IS PROVIDING THIS SITE AND ITS CONTENTS ON AN "AS IS" BASIS AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OR CONDITIONS OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ALTHOUGH CHEQUE GUARD BELIEVES THE CONTENT TO BE ACCURATE, COMPLETE, AND CURRENT, CHEQUE GUARD DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE ON THIS SITE IS ACCURATE, COMPLETE, OR CURRENT. Price and availability information is subject to change without notice.
DISCLAIMER OF LIABILITY
IN NO EVENT SHALL CHEQUE GUARD BE LIABLE FOR SPECIAL, INDIRECT, EXEMPLARY, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO, LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTIONS, ALL ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING, OR DISPLAY OF THE CONTENTS OF THIS SITE. In an effort to provide our customers with the most current information, Cheque Guard will, from time to time, make changes in the Contents and in the products or services described on this Site.
ABOUT OUR PRICES
The prices advertised on this Site are for Internet orders. Prices on some items may differ from those charged at Cheque Guard stores. Prices and the availability of items are subject to change without notice. Any "list prices" used on this Site are the manufacturers' suggested retail prices and may not be indicative of the actual selling prices in your area.
Any reference to "savings" used on this Site indicates the average savings off the "list price". Your actual savings will vary depending upon the goods purchased and the date of the transaction.
We reserve the right to limit sales, including the right to prohibit sales to re-sellers. We are not responsible for typographical or photographic errors.
USER COMMENTS, FEEDBACK, AND OTHER INFORMATION SUBMISSIONS PROVIDED BY YOU
You agree that any material, information, and ideas that you transmit to this Site or otherwise provide to Cheque Guard ("Transmissions") shall be and remain Cheque Guard's property.
All Transmissions will be treated as non-confidential and non-proprietary and Cheque Guard shall be under no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose, and distribute the Transmissions to others without limitation. Additionally, Cheque Guard shall be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including, but not limited to, developing, manufacturing, or marketing products incorporating such information. You further agree that Cheque Guard may use information about your demographics and use of this Site in any manner that does not reveal your identity.
In addition, you agree, and are hereby put on notice, that you are prohibited from posting or transmitting to or from this Site any unlawful, threatening, libelous, defamatory, inflammatory, pornographic, or profane material or any other material that could give rise to any civil or criminal liability under law. You are solely responsible for the content of any comments you make.
TERMS OF USE REVISIONS
Cheque Guard may revise these terms of use by updating this posting. You agree that in the event any portion of these Site terms of use is found to be unenforceable, the remainder of these Site terms and conditions shall remain in full force and effect. By using this Site you agree to be bound by any such revisions and should therefore periodically visit this page to determine the then current terms of use to which you are bound.
Your Satisfaction is Our Success.
We strive to provide our customers with the highest level of service possible. From first visit to order delivery, we want you to be completely satisfied with your experience.Our friendly and knowledgeable sales staff is available to help you find the product that best fits your needs.
You can shop with confidence at Cheque-Guard.com as every product we ship is covered by a manufacturer's warranty, unless otherwise noted.
Certain conditions and/or restrictions apply.
A RETURN AUTHORIZATION NUMBER (RA#) must be obtained from our customer service staff and is required for ALL returns. Merchandise must be returned within 15 days of the issuance of the RA# at which time the RA# expires. RA#'s are non-renewable. Return shipping charges are the sole responsibility of the customer.Cheque-Guard.com reserves the right to return any merchandise without a valid RA# to the customer.
All returned merchandise must be in the original packaging with the UPC or bar code intact, and all components, manuals and registration card(s) included. Products using accessories such as toner, ink cartridges, and check stocks must be returned with the factory-sealed accessory or will require a deduction for a replacement. Product that is returned incomplete, or damaged, -- if accepted -- will require a deduction. This deduction is final.
30-day money back guarantee does not apply to special orders.MANUFACTURER RETURN POLICY RESTRICTIONS
If you have merchandise that is malfunctioning or seems to be defective, we will do our best to help you obtain technical support from the manufacturer or make arrangements to repair the product. In many cases, the manufacturer can diagnose and resolve concerns over the phone. For more information, please call us at 818-484-3275 to allow us to assist you with these manufacturers, or you may call them directly.
Cheque-Guard.com Return Procedure
To return a product, please follow the steps outlined below.
Obtain a Return Authorization Number (RA#) within 30 days of the original ship date by calling 818-484-3275.
Please provide the following information when requesting a RA#: Original order number (located on packing slip), name of product being returned, reason for return, your name, daytime telephone number and e-mail address.
Verify that all merchandise is in the original packaging with the UPC or bar code intact, and that all components are included.
Please use the merchandise-return label, located on the back of your packing slip or address the package to:
Cheque-Guard.com RETURNS
512 S. Verdugo Dr.
Burbank, CA 91502Return the merchandise within 15 days of issuance of the RA#. Print the RA# clearly on the outside of the package. PACKAGES WITHOUT A RA# WILL BE RETURNED TO THE SENDER.
Credits
Credit will be issued after our warehouse receives, inspects, and processes your return; however, your credit card company determines when the issued credit will be reflected in your statement. Please allow one to two billing cycles.
Replacement Merchandise
In order to receive a replacement for returned merchandise, you must place a new order. Cheque-Guard.com must receive payment for all merchandise prior to shipping any replacements. We will ship your replacement in the same manner as your original order. A temporary duplicate charge will be placed on your credit card until the returned merchandise has been received and processed by our warehouse. To make a replacement order, please call 818-484-3275.
Toner Cartridges Ship FREE
FREE FedEx GROUND SHIPPING on all Toner Cartridges ordered online!
Note: Checks, Check stock and envelopes do not qualify for free shipping. Free FedEx GROUND shipping only applies to the contiguous 48 United States. We cannot ship to PO Boxes.
It is Cheque Guard's policy to respect and protect the privacy of our customers and the users of www.cheque-guard.com(hereinafter, the "Site"). Through this Internet Privacy Statement, we want to reassure users of the Site that we will not sell, share, or rent user information to others in a manner different than as set forth in this Internet Privacy Statement.
Placing Orders and Information CollectionCheque Guard collects information from the users of the Site at several different points on the Site. For example, we collect and/or request information when a user:
1) Places an Order
2) Registers on the www.Cheque-Guard.com Site
3) Requests notification of an order status
4) Participates in an online sweepstakes or survey
5) Applies for a Credit Card6) Requests a Catalog
7) Submits an E-mail
In order to fulfill the requests of Site users in the above instances, the user may be requested to provide contact and/or credit card information. If we have trouble processing an order, a request, or completing a delivery, this contact information will be used by Cheque Guard to contact the user.
Gathering and Sharing of Information, Links to External and Co-Branded WebsitesWe monitor traffic patterns on the Site and gather broad demographic information for aggregate use to analyze trends and administer the Site in order to improve its layout and design and to permit Site personalization and streamlining to create the best shopping experience we can for our users. In order to perform analysis permitting such personalization and improvement of site design and user experience, we may employ suitable third parties with whom we share the information necessary to accomplish these objectives. These statistics include no personally identifying information.
Where appropriate, we share aggregated statistical information with our business partners. These statistics include no personally identifying information.
We use a credit card processing company to bill purchasers of goods and services from the Site, and depending upon the goods and services being ordered and where they are being shipped, we may also use outside suppliers and/or delivery companies to assist us in fulfilling and delivering orders. We share with them the information necessary to enable such card processing, fulfillment, and delivery of goods (i.e. name, address, and as appropriate, payment information).
Additionally, we partner with trusted third parties to provide Site users with Cheque Guard approved unique offers or services which may be of value to our users. In such instances, we will share a user's name and address with a trusted third party to enable them to notify the user of the unique offer or service. We will never provide credit card information and you will always be provided with the opportunity to unsubscribe from any such list.
We may provide personal identifying and account information in special cases such as enforcement of our Terms of Site Use, or as required by law or legal process to protect and defend the rights and safety of our Site and its users. This includes exchanging information with other companies for purposes of fraud and credit risk reduction.
Our Site also contains links to external Internet sites as well as co-branded sites, which may be operated by an external party and they may have privacy practices that differ from those here at www.cheque-guard.com. A co-branded site is a Website, usually operated by a third-party, and displaying that third-party's name along with the Cheque Guard name and logo. Such co-branded sites offer Cheque Guard approved goods or services to our users. When you click on links that take you to such external or co-branded sites, you will be subject to their privacy policies, and we encourage you to become familiar with that party's privacy policies as these may differ from those utilized on our Site. Please note that this privacy statement applies solely to information collected by Cheque Guard on our Site and, while we strongly support the protection of privacy on the Internet, we cannot be responsible for the privacy practices of other Websites, uses of the information collected by other Websites, or the content of those other Websites.
Consent
By using our Site, the user agrees to the terms and conditions set forth in this Internet Privacy Statement and the Site Terms of Use INCLUDING ALL LIMITATIONS OF DAMAGES PROVISIONS which are an integral part hereof and the user consents to the collection and use of this information by Cheque Guard as disclosed in this Internet Privacy Statement. We may revise this Internet Privacy Statement or the Site Terms of Use at any time by updating these postings. By using this Site you agree to be bound by any such revisions in effect at the time of use and should therefore periodically visit this page and the Site Terms of Use page to determine the then current policies applicable to users of the Site.
Security Information
Strong precautions are taken to protect the information of the users of our Site. When users submit sensitive information via the Site, that Information is protected both online and off-line.
We take credit card information security seriously and use a variety of technical solutions to make shopping safe at our Site. Furthermore, your information is encrypted and is protected utilizing the industry standard Secure Sockets Layer (SSL) encryption software. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when you are just 'surfing'.
While we use SSL encryption to protect sensitive information online, we also protect user- information off-line. All of the information of our Site's users, including the sensitive information mentioned above, is maintained in a restricted section in our offices. Only those of our employees who need the information to perform a specific job (for example, our account or customer service representatives) are granted access to personally identifiable information. Furthermore, our employees are kept up-to-date on our security and privacy practices.
If you have any questions about the security at our Site, you can send an e-mail to orders@cheque-guard.com.
Cookies
You may have heard of the term "cookies". Most, if not all, E- commerce merchants, including Cheque Guard, routinely use cookies. A cookie is a piece of data stored on a user's hard drive through the Web browser program containing information about the user which enables us to track and personalize the Site to enhance your experience. For instance, by setting a cookie on our Site, we can provide you with storage of items in your shopping cart between visits. However, if a user rejects the cookie, they may still use our Site although we will be unable to provide our users with the personalized shopping experience we can offer using the cookie data. If you have any questions about our use of cookies, please contact us at orders@cheque-guard.com.
Surveys & Contests
From time-to-time we may request information from the users of the Site via surveys or contests. Participation in these surveys or contests is completely voluntary, and the users of the Site have a choice whether or not to disclose this information. Information requested may include contact information (such as your name and shipping address), and demographic information (such as zip code, age level, etc.). We use such information to notify contest winners, award prizes, and for analyzing the Site traffic to improve the user's experience on the Site.
Children's On-line Privacy
Cheque Guard recognizes the particular importance of protecting the privacy of children. Consistent with the Children's Online Privacy Protection Act (COPPA), we will not knowingly collect any personally identifiable information from children under the age of 13. When a user makes a purchase on www.cheque-guard.com or one of our associated websites, the user is representing to us that they are an adult. If a child has provided www.cheque-guard.com with personally identifiable information, we ask that a parent or guardian call 888-577-4427 and we will delete the information pertaining to the child from our records.
Special Offers, Account Updates and Opting OutCheque Guard occasionally sends our customers and the users of the Site announcements and updates, which contain important information about the Site and service offerings which we believe to be of value to our customers and users. In order to do this, we may enhance or merge the information we collect on the Site with data from third parties for purposes of marketing products or services to our customers and users.
We may communicate with the users of the Site via e-mail, telephone, mail, or fax in order to provide requested services, content, product information, notification of special offers, or in regard to customer service issues relating to an account. The users of the Site are always given the opportunity to 'opt-out' of having their online information used for purposes not directly related to the Site at the point at which we ask for the information or when they receive an online requested promotional communication.
For example, our e-mail messages have an "unsubscribe" feature for users of the Site who buy from us, but don't want to be notified about special offers in the future. Users can simply "Reply" back to the e-mail message and type "unsubscribe" in the subject field. Upon receipt of the reply, we will remove that e-mail address from our e-mail list. If a user has more than one e- mail address, he or she should include the other addresses as well to ensure proper updating of their account information.
Users of the Site can always update the personally identifying information that they have provided to Cheque Guard simply by accessing and updating their account information on the Site or by e-mailing us at orders@cheque-guard.com.
KEEP IN TOUCH
The Ultimate Solution for Check Fraud
Founded in 1991, Cheque Guard Inc is the leading innovator in cheque fraud solutions for smaller and medium-size businesses and financial institutions. Cheque Guard's Form Suite for the IBM AS/400 series, and Cheque Seal™ and Cheque Suite™ for Windows allow businesses to integrate and rapidly deploy secure, controlled cheque printing and electronic payment solutions (In the USA: Automated Clearing House (ACH)), while concurrently creating a Positive Pay file for the bank as the cheques are printed by the customer.
