Our primary goals in collecting information are to provide and improve our Services, to administer your use of the Services, and to enable you to enjoy and easily navigate our Services.
Account Information. When you register to create an account (“Account”), we'll collect certain information that can be used to identify you, such as your name, email address, postal address phone number, and in some cases a portion or all of your social security number, as well as other non-public information about you that is associated with or linked to any of the foregoing information ("Personally Identifiable Information" or "PII"). We may also collect certain information that is not PII because it cannot be used by itself to identify you, such as your driver’s license, gender, date of birth and zip code. If you use our Services on your mobile device, including through any applications, we will collect the unique device id number along with your phone number.
Information Related to Use of the Services. Our servers (which may be hosted by a third party service provider) automatically record certain information about how a person uses our Services (we refer to this information as "Log Data"). Log Data may include information such as a user's Internet Protocol (IP) address, browser type, operating system, the web page that a user was visiting before accessing our Services, the pages or features of our Services to which a user browsed and the time spent on those pages or features, date/time stamp, search terms, the links on our Services that a user clicked on and other statistics. We use this information to administer the Services and we analyze (and may engage third parties to analyze) this information to improve and enhance the Services by expanding their features and functionality and tailoring them to our users' needs and preferences. We may use a person's IP address and any other Log Data, as well as PII and other information supplied to create an Account or sell a prepaid card to us, to fight fraud, spam, malware and identity theft. We also use the IP address to generate aggregate, non-identifying information about how our Services are used.
Location Information. We collect and store information about where you are located, such as by converting your IP address into a rough geolocation. We may use location information to improve and personalize our Services for you, and to determine if you are eligible to use the Services.
Analytics Services and Interest-Based Advertising. In addition to the information we may collect, other third parties may set their own Cookies or similar tools when you use our Services. This includes third party analytics services that we engage to help analyze how users use our applications and Services and applications, as well as third parties that deliver content or offers. We may receive reports based on these parties’ use of these tools on an individual or aggregate basis. We use the information we get from these third parties only to improve our applications and Services. By using our applications and Services, you consent to the processing of information about you by analytics services in the manner and for the purposes set out above.
Information Shared with Our Services Providers. We may engage third party service providers to work with us to administer and provide the Services, as described in the Terms of Service. These third party services providers have access to your PII only for the purpose of performing services on your behalf.
For online payments and/or Automated Clearing House (ACH) payouts, we use third party payment services. We do not store this information directly on our servers, but this information may be shared with such third parties who will help process and fulfill the Services.
Information Shared with Third Parties. We may share aggregated information and non-identifying information with third parties for industry analysis, demographic profiling and other similar purposes.
Information Disclosed in Connection with Business Transactions. Information that we collect from our users, including PII, is considered to be a business asset. As a result, if we go out of business or enter bankruptcy, in connection with a financing, or if we are acquired as a result of a transaction such as a merger, acquisition or asset sale, your PII may be disclosed or transferred to the third party acquirer in connection with or during negotiation of the transaction.
Information Disclosed for Our Protection and the Protection of Others. It is our policy to protect you from having your privacy violated through abuse of the legal systems, whether by individuals, entities or government, and to contest claims that we believe to be invalid under applicable law. However, it is also our policy to cooperate with government and law enforcement officials and private parties. Accordingly, we reserve the right to disclose any information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary: (i) to satisfy or comply with any applicable law, regulation or legal process or to respond to lawful requests, including subpoenas, warrants or court orders; (ii) to protect our property, rights and safety and the rights, property and safety of third parties or the public in general; and (iv) to prevent or stop activity we consider to be illegal or unethical.
We take reasonable measures, including full PCI DSS standards compliance, to protect the information that we collect from or about you (including your PII) from unauthorized access, use or disclosure. Please be aware, however, that no method of transmitting information over the Internet or storing information is completely secure. Accordingly, we cannot guarantee the absolute security of any information.
You can access and modify the PII associated with your Account by logging into your Account and editing the information. You may also delete your information the same way. We'll take steps to delete your information as soon as is practicable, but some information may remain in archived/backup copies for our records or as otherwise required by law.
Our Services are not directed to children under 13 and we do not knowingly collect PII from children under 13. If we learn that we have collected PII of a child under 13 we will take steps to delete such information from our files as soon as possible.