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Table of Contents
Privacy
Policy
Protecting your privacy is
of the utmost importance to us. We want you to understand what
information we collect and how we use it. We use technology to
manage and maintain client information to provide our clients
with a broad range of superior financial products and services
as effectively and conveniently as possible.
ClearCard is a financial
entity that conducts business primarily on the Internet. We are
dedicated to providing Internet clients with the best online financial
products and services loaded with features that Internet users
really want.
To maintain the security
of your information throughout the application and transaction
process, ClearCard uses the SSL (Secure Sockets Layer) protocol
that is built into most web browsers. When you enter private information,
your information is encrypted as it travels between your computer
and our servers. ClearCard encourages the use of browsers that
use 128-bit encryption.
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Who
is covered by this policy
This Privacy Policy is provided
to you by ClearCard, Inc. ("ClearCard") and their subsidiaries
and affiliates. As used in this Privacy Policy, "we,"
"us," "our," or "ours" refers to
ClearCard, Inc. and their subsidiaries and affiliates. "You,"
"your," and "yours" refers to each individual
who is one of our clients or former clients and other individuals
who obtain or request a financial product or service from us.
If you decide to close your
account(s) or become an inactive client, we will continue to adhere
to the privacy policies and practices described in this notice.
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Security
Practices and the Safeguarding of Information
ClearCard takes client data
security very seriously. We have designed one of the safest and
most error-free systems on the Internet. As part of our commitment
to providing the highest level of security, we engage expert,
third party vendors to conduct regular reviews of our security
systems, and to ensure that our standards are not compromised.
We also take steps to safeguard
client information. We restrict access to your personal and account
information to those employees who need to know that information
to provide products or services to you. We maintain physical,
electronic, and procedural safeguards that comply with federal
standards to guard your nonpublic personal information.
Please see our Security Policy
for greater detail regarding our security measures.
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Information
We Collect
As part of providing superior
processing service to our clients and still upholding the rules
and regulations we are bound to from entities such as Visa and
MasterCard we must understand your business profile and may collect
"nonpublic business related information" about you and
your company, including:
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Information we receive from you on applications,
surveys, online registrations or other forms, whether in
writing, by telephone, electronically or by any other means.
This information may include your name, address, employment
information, income and credit references.
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Information about your transactions
with us, our affiliates, or others. This information may
include your account balances, payment history, and account
usage.
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Information we receive from
credit reporting agencies, such as information relating to
your creditworthiness, your company credit history, and credit
usage and from third parties to verify information you have
given us.
"Nonpublic personal information" is nonpublic information
about you that we obtain in connection with providing a financial
product or service to you. For example, nonpublic personal
information includes information regarding your account balance
and payment history. |
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Information
We Disclose
Affiliates to whom we may disclose personal information about
you are in the financial services business. We may share categories
of nonpublic information described above under "Information
We Collect" with our affiliates to carry out your transactions
or to inform you of services or products that might be of interest
to you. Under the Fair Credit Reporting Act, you have the right
to prevent the sharing of certain information among our affiliates.
You can prevent the sharing of information by following the "opt
out" provision in your ClearCard Account Agreement.
We are permitted under law
to disclose nonpublic personal information about you to "nonaffiliated
third parties" in certain circumstances. We may disclose
nonpublic personal information about you of the types described
above under "Information We Collect" to the following
types of nonaffiliated third parties:
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Financial services providers, such as
companies engaged in banking, credit cards and consumer
finance.
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Non-financial companies, such as companies
engaged in direct marketing and the selling of consumer
products and services.
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Service providers who perform
marketing services for us.
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Financial institutions with
which we may have joint marketing arrangements |
For example, we may disclose
nonpublic personal information about you to third parties to assist
us in servicing your account, to provide you with products and
services you have requested, to credit reporting agencies and
as required by law. We may also disclose nonpublic personal information
about you to nonaffiliated third parties as permitted by law.
We may also provide information
about you to our service providers to help us perform marketing
services (including the marketing of our products and services
and the products and services of nonaffiliated companies). The
information provided to these service providers may include the
categories of information described above under "Information
we collect" and is limited to only that which we deem appropriate
for these service providers to carry out their services. These
nonaffiliated companies are not permitted to use this information
for other purposes.
To provide you superior client
service, to offer you access to our services and to make a wider
range of products and services available to you, we reserve the
right to disclose all nonpublic personal information about you
to nonaffiliated third parties. If you prefer that we not disclose
nonpublic personal information about you to such nonaffiliated
third parties, you may opt out of this disclosure, that is, you
may direct us not to make those disclosures (other than permitted
by law). You may opt out or opt back in for this nonaffiliated
third party information disclosure at any time by one of the following
methods:
When notifying us not to
disclose your account information, please provide us with your
name and street address. Do not provide your account number in
this email as this email is not secured. Your "opt out"
preference will apply to accounts on which you are the primary
client and will also apply to the authorized user on the account.
If the authorized user has separate accounts, your "opt out"
will not apply to those separate accounts. Please allow 30 days
for your preference to take effect.
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Helping
Us Maintain Your Privacy and Protecting You from Identity Theft
You are the most effective
safeguard against fraud. There are many steps you can take to
ensure that your personal information remains safe and secure.
Tips for safeguarding your personal information:
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Don't give your personal credit information,
especially your Social Security Number, over the phone unless
you initiate the call.
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Destroy all receipts, bank statements
and unused credit card offers before throwing them away.
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Watch closely for any missing
mail.
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Only mail your bills from
secure mailboxes that can't be opened by anyone other than
U.S. Postal personnel.
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Keep a close eye on your
account statements for any unauthorized charges.
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Review your credit report
once a year to confirm its accuracy.
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Make sure you only do business
with companies you know to be reputable, especially when doing
business online.
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When doing business online,
make sure a padlock or key icon is active on your browser.
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Use virus detection software,
and don't open email from unknown sources.
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Keep your PIN numbers secret,
and don't carry them in your wallet. Protect your passwords
by using letters and numbers in combination, and change them
regularly.
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If you suspect fraud, report
it to your bank and our customer service office immediately. |
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Protecting
Children
We do not knowingly solicit
data from nor knowingly market to children. Our website is directed
to adult clients and potential clients. The application process
is designed to screen out applications submitted by children under
the age of 18 so that a child will not open an account.
Parents can use various readily
available software packages to prevent their children from accessing
websites that they deem to be inappropriate. Parents can choose
to utilize this and other methods to limit the websites to which
their children have access.
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Changes
to our Privacy Policy
From time to time, we may
modify our privacy policy. A copy of this policy will be provided
at the time of account opening and annually for as long as you
maintain a client relationship with us. If a change is made we
will notify you via email of the relevant changes. We also recommend
that you review this policy occasionally at our website, www.ClearCard.com.
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Contacting
Us
If you have questions about
this privacy statement or the business practices of this website,
you can email us at privacy@ClearCard.com.
We remind you to not provide your account number or other sensitive
data in this email.
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