Revised May 04, 2008
PRIVACY POLICY NOTICE
This Privacy Policy Notice explains the privacy policies of Card of America. We are committed to protecting our customers' privacy and security. This Privacy Policy Notice explains our information collection and sharing practices. It identifies the sources from which we collect nonpublic personal information about you, details the measures we take to secure that information, and describes the information about you that we may share with our affiliates and with nonaffiliated third parties. This Privacy Policy Notice also addresses information sharing with consumer reporting agencies. Finally, this Privacy Policy Notice explains how you can exercise your privacy rights by electing to opt out of certain information sharing practices that we would otherwise apply to your nonpublic personal information.
DEFINITIONS
We, our, and us, means Card of America.
You and your mean customers with an Card of America stored value card account, as well as any consumers who apply for an Card of America stored value card account.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
Nonaffiliated third party means a company that is not an affiliate of Card of America.
Opt out means a choice you can make to prevent certain sharing or use of information. We will explain how you can exercise this choice.
INFORMATION WE COLLECT
We collect information about you from the following sources:
• Information we receive from you, including information on applications or other forms, such as your name, address, social security number, assets and income;
• Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage; and
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
INFORMATION WE DISCLOSE
We may disclose all of the information that we collect, as described above. You may opt out of the disclosure of such information, other than as permitted by law.
PARTIES TO WHOM WE DISCLOSE
We may disclose nonpublic personal information about you to the following types of affiliates and nonaffiliated third parties:
• Financial service providers, such as mortgage bankers, loan companies, securities broker-dealers, and insurance agents; and
• Non-financial companies such as retailers, direct marketers, airlines, and publishers.
• Others, such as non-profit organizations.
From time to time, we may also tell you about special offers from unrelated companies that we think may interest you. These companies will not learn about your relationship with us unless you respond to their offers. We may also disclose nonpublic personal information about you to affiliates and nonaffiliated third parties as permitted by law.
INFORMATION WE DISCLOSE TO
SERVICE PROVIDERS OR FOR JOINT MARKETING
We may disclose all of the information we collect, as described above, to companies that perform marketing services for Card of America or on its behalf or to other financial institutions with whom Card of America has a joint marketing agreement. You do not have a right to opt out of the disclosure of this information.
NOTICE OF FURNISHING NEGATIVE INFORMATION
TO CONSUMER REPORTING AGENCIES
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY
OF YOUR INFORMATION
All our employees are responsible for protecting the confidentiality of customers' financial and other personal information. Employees are bound by this Privacy Policy Notice and are educated on implementing our privacy and information security policies. Only employees actively engaged in their assigned duties are authorized to access or use customer information. We maintain physical, electronic and procedural safeguards to comply with federal standards to store and secure information about you.
INFORMATION ABOUT FORMER CUSTOMERS
The privacy policies and practices described in this Privacy Policy Notice also apply to our former customers.
YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR
NONPUBLIC PERSONAL INFORMATION
If you prefer that we not disclose nonpublic personal information about you to affiliates and nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than as permitted by law).
To opt out, follow the instructions contained on the following Opt Out Notice. You will check the appropriate box or boxes, sign the notice, address and stamp your own envelope, and mail the card to us by ordinary mail.
YOUR RIGHT TO LIMIT MARKETING
You may limit our affiliates from marketing their products or services to you based on information that we share with them, such as your income, your account history with us, and your credit score. This limitation does not apply in certain circumstances, such as if you currently do business with one of our affiliates or if you ask to receive information or offers from them.
To limit marketing by our affiliates, follow the instructions contained on the Opt Out Notice below. You will check the appropriate box, sign the notice, address and stamp your own envelope, and mail the card to us by ordinary mail.
CONSEQUENCES OF OPTING OUT
Your decision to block the disclosure of your information or to limit marketing by our affiliates will apply to information collected in connection with your Card of America stored value card account. If you previously provided us with an opt out instruction with respect to your Card of America Prepaid MasterCard®, we will continue to honor that instruction; you may, but need not, complete another opt out instruction.
Your election to opt out will not block our sharing of all the information we collect with companies that perform marketing services on behalf of Card of America or with financial institutions with whom Card of America has a joint marketing agreement. Additionally, your election to opt out will not prevent us from disclosing to our affiliates the information we obtain from our transactions and experiences with you; however, our affiliates will not use such information for marketing purposes if you have directed them not to do so. Finally, we will continue to make certain other disclosures of your nonpublic personal information as permitted by law. 32280.7
Depending on what you do when you visit any web site, you are providing information about your visit to the site's owners. This includes
cardofamerica.com. We value privacy and think you do too, so we want you to have the information you need to make your own decisions about your
personal privacy. When you visit or supply information to any web site, we think it's a good idea for you to first understand what that site's
privacy policies are. If the site doesn't tell you, don't hesitate to ask.
The bottom line at www.cardofamerica.com and its related sites (collectively "cardofamerica.com") is that we use the information that we get from your
visit for internal tracking purposes, to make cardofamerica.com as useful and interesting to you as we can, and to respond to and fulfill your requests
for information, products or other services. Except as specifically noted, we do not use the information that we collect from cardofamerica.com for any
other purpose or share it with any third party.
Read more about:
Notice
What personal information we collect and how we use your information
Our policy regarding sharing of information
Choice
How you can decide what communication you'll receive from us
Access
How you can control the use of your personal information
Security
How we protect the security of your personal information
Customer Service and Recourse
Changes to the cardofamerica.com Privacy Policy
How to contact cardofamerica.com
Notice
What personal information we collect and how we use your information:
When you visit the cardofamerica.com web site, we capture the internet provider's domain name and country that you came from (e.g., 'aol.com') and
the paths taken as you move from page to page (i.e., your "click stream" activity).
Information we collect on cardofamerica.com may be used to enhance your use of this web site in ways like these:
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Arrange the web site in the most user-friendly way
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Customize your browsing experience of this web site
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Communicate special offers and featured items to you, if you choose to receive such notices
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Respond to your question or suggestions
Visitor Registration or Requests for Information:
cardofamerica.com only collects personal information that you choose to provide voluntarily when using or registering with the cardofamerica.com site.
"Personal information" includes information that can identify you as a specific individual, such as your name or email address; and, in the case of
license agreements, your name and company name. While you can browse our site without registering, you will need to register in order to take
advantage of certain features, such as requesting updates on promotional offers.
cardofamerica.com will on occasion ask you to voluntarily submit information about other people. For example, you might be asked to submit a person's
email address to inform them about a sweepstakes, contest, or other promotions offered on cardofamerica.com. The type of personal information that
may be requested about other people may include the person's name and email address. cardofamerica.com may use this information to inform them
about a sweepstakes, contest, or other promotions.
Browsing and the use of Cookies:
cardofamerica.com uses cookie technology as part of our web site's statistical reporting. A cookie is a small piece of information sent by a web site that
is saved on your hard disk by your computer's browser. It holds information a site may need to personalize your experience (i.e., rotating images
on cardofamerica.com home page) and to gather web site statistical data, such as which pages are visited, what is downloaded, the internet provider's
domain name and country that our visitors come from (e.g. 'aol.com,' or 'umich.edu') and the addresses of sites visited immediately before, and
after, coming to cardofamerica.com. However, none of this is associated with you as an individual. It is measured anonymously and only in aggregate.
The information in the cookies lets us trace your "click stream" activity (i.e., the paths taken by visitors to our site as they move from page to
page). Cookies do not capture your individual email address or any private information about you.
We also use standard web server log files to help us count visitors and evaluate our site's technical capacity. We use this information to find out
how many people visit cardofamerica.com, help us arrange the pages in the most user-friendly way, keep the site browser-friendly, and to make our
pages more useful to our visitors. We record information on site traffic but not information on individual visitors to our site, so no information
about you in particular will be kept or used.
To browse without cookies, you can configure your browser to reject all cookies, or to notify you when a cookie is set. (Each browser is different,
so check the "Help" menu of your browser to learn how to change your cookie preferences.)
Sweepstakes, Contests, Trivia Games, and Surveys:
From time to time, cardofamerica.com may conduct sweepstakes, contests, trivia games, or surveys via our web site. If you choose to participate,
unless otherwise noted in the applicable rules, terms and conditions, or disclaimers, we use your response to select sweepstakes or contest
winners, to come up with the game or survey results and, sometimes, to publish those results in aggregate on the site. Except where necessary
to administer a sweepstakes, contests, games, or surveys, we will never permanently record or publish any response you give connected to your
name or address. We will hold these responses only as anonymous statistics.
Email, Mailing Lists, and Other Services:
When you send us an email, we use your email address to thank you for your comment and/or reply to your question, and we will store your
communication and our reply in case we correspond further. Beyond our initial reply, we will never use your email address to send you any
unsolicited message or information, nor will we share it with or sell it to anyone else for such use.
When you request information or other services, we use your email address and any other information you give us to provide you with the
information or other services you requested until you ask us to stop (using the 'unsubscribe' instructions provided with each email and/or on the
site where you signed up and/or as we otherwise provide), or until the information or service is no longer available. We will not use your address
or other information to provide you with any unsolicited message or information (unless that is part of the service you are requesting).
Linking To Other Sites:
Please remember that when you use a link to go from cardofamerica.com to another web site, the cardofamerica.com Site Rules and this Privacy Policy are
no longer in effect. Your browsing and interaction on any other web site, including any site that has a link on cardofamerica.com, is subject to the rules
and policies of that site. We encourage you to read the rules and policies of the sites you visit to further understand their procedures for
collecting, using, and disclosing personal information.
Our policy regarding selling or renting of personal information:
Our policy is simple: we never sell or rent your personal information to any third parties under any circumstances, except in the event of any
bankruptcy or reorganization, or a sale of all or substantially all of our assets, as further provided below.
Agents:
We may employ other companies and individuals to perform services on behalf of cardofamerica.com, such as administering sweepstakes and contests,
sending emails, providing marketing assistance, and analyzing data. Such companies and individuals will have access to personal information
necessary to perform their services, but will not be permitted to use it for any other purpose.
Banners and Other Advertisements on cardofamerica.com:
cardofamerica.com displays banners and other advertisements that may be placed by third parties. Such advertisers may collect non-personal
information (i.e., information that is not identifiable to any individual) when you click or scan one of their advertisements, by placing cookies
on your computer or using other technology. Additionally, we may share aggregate information about our visitors to third-party ad servers or
potential advertisers in order to provide advertisements on cardofamerica.com about products and services that may be of interest to you.
Business Transfers:
If a third party acquires all or substantially all of our assets, your personal information, aggregated information, and any other information that
we have collected on cardofamerica.com may be transferred to such third party as part of our business assets. Also, if any bankruptcy or
reorganization proceeding is brought by or against us, all such information may be considered one of our assets and may be sold or transferred to
third parties.
Disclosure of personal information for legal purposes and protection of cardofamerica.com and others:
We reserve the right to share your personal information with third parties if required to do so by law or if we believe such action is necessary in
order to: (a) conform with the requirements of the law or to comply with legal process served upon us; (b) protect or defend our legal rights or
property, cardofamerica.com, or our users; or (c) investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving
potential threats to the physical safety of any person, or violations of the terms and conditions of using cardofamerica.com.
Applicability of This Privacy Policy:
This Privacy Policy applies only with respect to the information that we collect on cardofamerica.com and not to any information that we collect through
other methods or sources.
Choice
How you can decide what communication you'll receive from us:
If you choose to receive them, cardofamerica.com may periodically send you email messages describing updates, new features, or promotional offers,
related to this web site. You can choose to stop receiving this email at any time. Simply follow the instructions included in your email, or send a
reply stating your request.
If you do not explicitly choose to receive informational emails, the only email messages you will receive from cardofamerica.com will be to respond to
email inquiries that you send us.
Access
How to update or correct your personal information:
To modify or delete your personal information, simply follow the instructions included in your email, or send a reply stating your request, and we
will make the requested changes.
Security
How we protect the security of your personal information:
The security of your personal information is very important to us and we are committed to protecting the information we collect. cardofamerica.com
uses firewalls and has security measures in place at its physical facilities to protect against the loss, misuse, or alteration of information that we
have collected from you at our web site.
Customer Service and Recourse
Changes to the cardofamerica.com Privacy Policy
This Privacy Policy was posted in May 04, 2008. cardofamerica.com reserves the right to change, modify or amend this policy at any time. Please also read over the cardofamerica.com Site Rules. Card of America takes privacy matters very seriously, and intends to stay at the forefront of privacy policy and protection matters. Card of America will occasionally update our privacy policy and we will post those updates on this page. You are responsible for revisiting this page to review our privacy policy updates.
How to contact cardofamerica.com:
Please note that whenever you submit any information to us in connection with any cardofamerica.com related services, you consent to Master card's
processing of this information in the United States as necessary to provide the services in which you are participating.
If you have any questions, comments, criticisms, or complaints about cardofamerica.com's privacy policy and/or the way it affects you, please feel free
to email us or write to us at the following address:
Card of America, Inc.
1835 S Alma School Rd
Suite 114
Mesa, AZ 85210
Attention: Webmaster
OPT OUT NOTICE
You may opt out by (1) checking the appropriate box or boxes below (check each box that applies), (2) detaching this along the perforated line above, and (3) mailing this Opt Out Notice to us at the following address:
Card of America Opt Out.
1830 S Alma School Rd
Suite 114
Mesa, AZ 85210 .
o Do not share nonpublic personal information about me with non-affiliated third parties, other than as permitted by law.
o Do not share nonpublic personal information about me with Card of America's affiliates, other than as permitted by law.
o Do not permit Card of America's affiliates to use information you shared with them to market their products or services to me.
Signature: _______________________________________________________________________________________________
Street Address: ___________________________________________________________________________________________
Name: __________________________________________________________________________________________________
City and State: ____________________________________________________________________________________________
Date: ___________________________________________________________________________________________________
Social Security Number: ____________________________________________________________________________________
Click here to view and print the entire PRIVACY POLICY.
*The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. "Guaranteed Approval" is contingent upon successfully passing this mandatory identification confirmation.