AN Bancorp Rev12/2011
FACTS
WHAT DOES Accountnow, Inc. DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
■ Social Security Number and account balances
■ Account transactions and payment history
■ Transaction history and overdraft history
How?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons AccountNow, Inc. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does AccountNow, Inc. share?
Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes — to offer our products and services to you
For joint marketing with other financial companies
For our affiliates’ everyday business purposes — information about your transactions and experiences
For our affiliates’ everyday business purposes — information about your creditworthiness
For our affiliates to market to you
For nonaffiliates to market to you
To limit
our sharing
■ Call 1-866-546-7998 - our menu will prompt you through your choices or ■ Visit us online at: my.accountnow.com/myaccount/privacypolicyoptout/ Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call 1-866-546-7998 or go to my.accountnow.com/privacypolicy/
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What we do
How does AccountNow, Inc. protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does AccountNow, Inc. collect my personal information?
We collect your personal information, for example, when you:
■ open an account or pay your bills
■ use your card or provide account information
■ give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
■ sharing for affiliates' everyday business purposes — information about your creditworthiness
■ affiliates from using your information to market to you
■ sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
■ Our affiliates include Ready Financial Group, Inc. and National Consumer Credit Corporation
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
■ Nonaffiliates we share with can include insurance companies, banks, lending companies, retailers and advertisers
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
■ Our joint marketing partners include financial companies such as banks, lending companies or insurers
Other important information
If you are a resident of California or Vermont, we will not share with nonaffiliates except for our own marketing purposes, our everyday business purposes, or with your consent. Nevada residents: We are providing this notice pursuant to Nevada law. If you do not want to receive marketing calls from us, you may be placed on our internal Do Not Call list by calling 1-866-925-2036 or by writing AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583. For more information, contact us at 1-866-925-2036. You also may contact the Nevada Attorney General’s office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101, telephone number 702-486-3132, or email BCPINFO@ag.state.nv.us.
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WHAT DOES The BANCORP BANK DO WITH YOUR PERSONAL INFORMATION?
■ Social Security Number and income
■ Account balances and payment history
■ Credit history and credit scores
When you are no longer our customer, we continue to share your information; as described in this notice.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, whether The Bancorp Bank shares your information; and whether you can limit this sharing.
Does The Bancorp Bank share?
We don't share
■ Call 1-866-546-7998 -our menu will prompt you through your choices ■ Mail the form below Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Call 1-866-546-7998
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Mail-in Form
AccountNow Gold Visa® Prepaid Card or AccountNow Prepaid Visa Card
Mark if you want to limit:
q Do not share my personal information with nonaffiliates to market their products and services to me.
Name
Mail to:
AccountNow, Inc. P.O. Box 1966
San Ramon, CA 94583
Address
City, State, Zip
Card number
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Who we are
Who is providing this notice?
This privacy policy is provided by The Bancorp Bank and applies to the AccountNow Gold Visa Prepaid Card, AccountNow Prepaid Visa Card and any related products and services.
How does The Bancorp Bank protect my personal information?
To protect your personal information from unathorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also limit access to information to those employees for whom access is necessary.
How does The Bancorp Bank collect my personal information?
We collect your personal information when, for example you:
■ open an account or apply for a loan
■ pay your bills or make a wire transfer
■ provide account information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
■ sharing for affiliates’ everyday business purposes — information about your creditworthiness
■ sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
■ The Bancorp Bank has no affiliates with which it shared your personal information.
■ The Bancorp Bank does share with nonaffiliates so they can market to you. You may opt-out of this sharing.
■ Our joint marketing partners include other financial companies, such as AccountNow, Inc.
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*California Residents -- In accordance with California law, we will not share information we collect about you with companies outside of AccountNow, Inc. or The Bancorp Bank, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing around our companies to the extent required by California law.
*Vermont Residents -- In accordance with Vermont law, we will not share personal financial information about you, other than transaction experience information, with other Bancorp companies or affiliates, nor will we share any personal financial information about you with other Bancorp companies for marketing purposes. *Nevada Residents -- We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing contact section. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number- 702.486.3132; email: BCPINFO@ag.state.nv.us.
For more information you can contact:
AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583, telephone 1-866-925-2036.
You may use your Card to purchase or lease goods or services wherever Visa debit cards, Interlink cards, or STAR cards are accepted as long as you do not exceed the value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined.
If you use your Card at an automated fuel dispenser (“pay at the pump”), you may avoid preauthorization holds of up to $100.00 or more by paying for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount.
If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction.
Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees.
You do not have the right to stop payment on any purchase transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account, except as provided in the terms and conditions of the AccountNow Bill Pay Service. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.
Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the STAR network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the STAR network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions.
To initiate a Visa debit transaction at the POS, swipe your Card through a POS terminal, sign the receipt, or provide your Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter your PIN at the POS terminal or provide your Card number after clearly indicating a preference to route your transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.
Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures in the paragraph labeled, “Information About Your Right to Dispute Errors”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. If your Card has been lost or stolen, we will close your Card Account to keep losses down.
You will need to tell us: 1. Your name and Card Account number. 2. Why you believe there is an error, and the dollar amount involved. 3. Approximately when the error took place.
If you tell us orally, we will require that you send your complaint or question in writing within ten (10) business days.
We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Card Account within ten (10) business days for the amount you think is in error, so that you will have the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card.
For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Card Accounts, we may take up to twenty (20) business days to credit your Card Account for the amount you think is in error.
We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 1-877-984-7465.
This Cardholder Agreement is effective 07/2011.