Elan TM

Program Optimization Overview Brochure 5 Easy Ways to Optimize Your Elan One Card Program
program optimization

Program Optimization

Optimize your payment program and realize new savings opportunities

Elan's Program Optimization service helps your organization extract more value from your existing commercial card program. Program Optimization uses a combination of analytical tools and best practices that help you identify new savings opportunities and design innovative strategies that enhance program performance and streamline your procure-to-pay processes.

With Program Optimization you can achieve:

By making easy-to-implement program changes best suited for your organization, you can quickly attain meaningful financial gain. As an example, organizations using this process are experiencing twice the volume growth than those who do not optimize and are gaining significant added rebate, transactional cost savings, and working capital benefits.

How Program Optimization Works

  1. A qualitative and quantitative assessment of your card program will be conducted using a sophisticated suite of analytical tools that identify strengths and growth opportunities.
  2. Assessment findings and insights from peer group comparison data are presented to help identify program gaps and opportunities.
  3. Recommendations made for your program are supported by detailed return on investment projections.
  4. Goals are prioritized and an action plan is created.
  5. Performance improvement is measured while we provide advice and consultation along the way so your program can continue to build momentum.

Available at no-cost, your Elan representative will guide you through the Program Optimization assessment process, providing advice and support at every stage.

Privacy Policy

Printable Version
Rev. 11/12

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
YesNo
For our marketing purposes—
to offer our products and services to you
YesNo
For joint marketing with other financial companies NoWe don't share
For our affiliates’ everyday business purposes—
information about your transactions and experiences
NoWe don't share
For our affiliates’ everyday business purposes—
information about your creditworthiness
NoWe don't share
For nonaffiliates to market to you No*We don't share


To limit our direct marketingCall 888-520-8796—our menu will prompt you through your choice
Please note:
We may contact our existing members by mail or telephone to offer additional financial product or services that we believe may be of interest to you. You may direct us not to send you such offers.
When you limit our direct marketing for an account you hold jointly with someone else, your choice will apply individually--unless you tell us otherwise.
Questions?Please contact us at the telephone number referenced on the back of your credit card.


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
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
  • Elan Financial Services does not share with affiliates
NonaffiliatesCompanies 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 marketingA 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


*Please keep in mind that, as permitted by applicable law, if you have a co-branded credit card account with us and one of our financial partners, we share information about you with that financial partner in connection with maintaining and servicing your account, including for that financial partner to market to you. Federal law does not give you the right to limit this sharing.