This Privacy Disclosure explains the
privacy policies of The Commerce Guild with respect to the The Commerce
Guild Prepaid MasterCard® card program.
We are committed to protecting our customers'
privacy and security. This disclosure explains what information we collect
about you, with whom we share it, and how you can direct us not to share
certain information with certain parties.
We, our, and us, means The Commerce
Guild, the marketer for your The Commerce Guild Prepaid MasterCard®
card issued by MetaBank.
You and your, means customers
with a The Commerce Guild Prepaid MasterCard® card, as well as any
consumers who enroll for a The Commerce Guild Prepaid MasterCard® card
issued by MetaBank.
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. Hereafter
we will use the term "information" to mean nonpublic personal
information as defined by this section.
Affiliate, means a company The
Commerce Guild owns or controls, or a company that is owned or controlled
by the same company that owns or controls The Commerce Guild. Ownership
does not mean complete ownership, but means enough to have control.
Nonaffiliated third party, means
a person not employed by The Commerce Guild.
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 AND DISCLOSE
We collect and may disclose the following
information about you:
We may also collect and disclose information
about how users use our Web site, for example, by tracking unique views
received by pages of the Web site or the domains from which users originate.
This information is not personally identifiable. We may also use "cookies"
to track returning users to our Web site. A cookie is a piece of software
that a Web server can store on the users' PC and use to identify the
users should they visit the Web site again. Information collected may
be associated with nonpublic personal information users provide us through
our Web site.
- Information you provide on applications
or other forms, such as name, address, e-mail address, social security
number, telephone number, and date of birth;
- Information about your transactions
with us, our affiliates, or other parties, such as account balance,
payment history, parties to transactions, and card usage; and
- Information we receive from a consumer
reporting agency, such as verification of your identity and creditworthiness.
INFORMATION WE SHARE WITH SERVICE
PROVIDERS OR JOINT MARKETERS
We may disclose all of the information
we collect, as described above, to companies (including affiliates)
that perform services on our behalf, including those who assist us in
preparing and mailing statements and responding to customer inquiries.
We may provide that information, except for information from consumer reporting agencies, to others
who perform marketing services for us and to financial institutions that are not our affiliates with whom
we jointly offer financial products or services. You do not have the right to opt out of the disclosure of
INFORMATION WE SHARE WITH AFFILIATES
Our respective affiliates include nonfinancial
companies, and may include financial service providers, such as insurance companies. In addition to the
information we share with affiliates that provide services to us, we may share information described above
among affiliates in order to provide you with information about additional products and services. You
have the choice to opt out from our sharing of certain information with affiliates. Although, even if you
opt out, we may still disclose your information as permitted by law.
INFORMATION WE SHARE WITH NONAFFILIATED
We may disclose information to third
parties who do not belong to our corporate family. These nonaffiliated third parties may include
financial services providers, such as mortgage and insurance companies; nonfinancial companies, such
as direct marketers, retailers and publishers; and others, such as nonprofit organizations.
You have the choice to opt out from our
sharing of certain information with these types of third parties although
we may still disclose your information as permitted by law.. In addition,
we generally will not disclose information to nonaffiliated third parties
as long as your billing address is in California or Vermont except
as permitted by law.
YOUR RIGHT TO OPT-OUT OF DISCLOSURES
TO THIRD PARTIES
If you prefer that we not share nonpublic
personal information about you with third parties, you may optout of
those disclosures at any time by directing us not to make those disclosures
(other than disclosures permitted or required by law). You may opt-out
by calling The Commerce Guild Customer Service at 1-888-518-3488 or
write us at The Commerce Guild - Customer Service, 2885 E. Quail Ave.
– Suite 200 – Las Vegas NV 89120.
We restrict access to nonpublic personal
information about you to our employees who have a need to know such
information (e.g., to process your transactions). We train our employees
on the importance of customer privacy and confidentiality. We also maintain
physical, electronic, and procedural safeguards that comply with federal
standards to guard the nonpublic personal information of our customers.
INFORMATION ABOUT FORMER CUSTOMERS
The privacy policies and practices described
in this Privacy Disclosure also apply to our former customers.
PRIVACY PRACTICES OF THIRD PARTIES
Our website may feature links to third-party
sites that offer goods, services, or information. We are not responsible
for content or privacy policies or practices of any advertisers or linked
sites of any third parties. We encourage you to review their privacy
policy before providing them with any personally identifiable information.
Third party sites may collect and use information about you in a way
that is different from this policy.
ACCESS OR CORRECT YOUR INFORMATION
You can access most of your nonpublic
personal information that we collect online and maintain at www.accountnow.net.
You can correct factual errors in your nonpublic personal information
by contacting us at the number or address listed above.
CHANGES TO THIS PRIVACY DISCLOSURE
We may change our Privacy Disclosure
from time to time. We will provide current customers with a revised
disclosure that describes the new practices as required by law.
SPECIAL NOTICE FOR CALIFORNIA RESIDENTS
In order to comply with California law,
if our records with respect to your card indicate a California address
we will not disclose information that we have about you with non-financial
companies outside of our family of companies, unless otherwise permitted
SPECIAL NOTICE FOR VERMONT RESIDENTS
In order to comply with Vermont law,
if our records with respect to your card indicate a Vermont address
we will not disclose nonpublic personal financial information about
you to nonaffiliated third parties, other than permitted by law, unless
you authorize us to make that disclosure. Your authorization must be
in writing or, if you agree, in electronic form. If we disclose information
about you to nonaffiliated third parties with whom we have joint marketing
agreements, we will only share information about your name, contact
information, and our own transactions and experiences with you.
If you have any questions regarding this
Privacy Disclosure, you can contact us at 1-888-518-3488 or write us
at The Commerce Guild - Customer Service – 2885 East Quail Ave. –
Suite 200 – Las Vegas NV 89120.