At CNWB, we place the highest priority on customer satisfaction. After all, it's key to our success. To provide you with the best service possible, we have compiled frequently asked questions (FAQ). We try to ensure customer satisfaction by customizing our CNWB products to serve your evolving needs, and by giving you the service you deserve. Q. If someone steals my CNWB number while I'm purchasing over the Internet, will I be held liable for purchases they make? | A. No one can use your credit card number without your password. Stealing your card number is of no value to a hacker or a thief. Q. Am I restricted to purchases from special CNWB approved secure sites? | A. Yes, we have taken great pains to approve each merchant that wishes to accept the CNWB. Only those that pass our requirements may do so. Q. What if a merchant steals my credit card number? | A. Again, without your password your credit card number is useless. Our patented checkout process shields your password even from the merchant. So the merchant has no opportunity to capture your password. Q. What if someone steals my credit card number offline and then tries to use it on the Internet? | A. You're still protected. Again, without your password your credit card number is useless. Our 0% Liability Policy protects you from ALL Internet fraud. Q. How can CNWB afford to make this Guarantee? | A. When you use your CNWB card online to purchase memberships at a participating Merchant location, you will be asked during the transaction to input your secure P.I.N. code provided to you at the time your account was set up. CNWB validates that number against your customer record to assure the Merchant that you are a recognized customer. The Merchant is not provided with your customer record. By utilizing this P.I.N. based approval method, CNWB can ensure your identity to the Merchant while maintaining the privacy and integrity of your personal information.