We recognize the importance you place on your privacy and the confidentiality of your financial information. We think it is important for you to be informed of the policies we have in place to safeguard your privacy.
And rest assured, AccountNow will never rent or sell your information to anyone without your explicit permission. Period!
This Privacy Disclosure explains the privacy policies of Palm Desert National Bank ("PDNB") or MetaBank (see back of card for your issuing bank) and AccountNow with respect to the AccountNow Prepaid MasterCard or AccountNow Prepaid Visa Card program.
2. Cookies
Piece of information delivered from a Web site to the client's browser, and then stored on the hard drive. Examples are login or registration information, online “shopping cart” information, user preferences, etc. Cookies can be read by that Web site on the next visit.
3. Opt Out
To 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.
4. Personally Identifiable information
Personally identifiable information is that information about you that is personal to you, and can include your name, address, social security number, telephone number, and date of birth.
5. SSL (Secure Socket Layer)
An SSL creates a secure connection between AccountNow and your computer. Information sent through an SSL is turned into and sent as an encoded message, which is decoded by the receiver. This prevents anyone from using the information if intercepted during transmission.
6. We, Us, and Our
We, Us, and our, refers to PDNB or MetaBank (see back of card for your issuing bank) and AccountNow. AccountNow is the marketer and PDNB or MetaBank (see back of card for your issuing bank) is the bank that is working with us on those programs.
7. Your and Your
You and your, refers to customers with an AccountNow product or service issued by PDNB or MetaBank (see back of card for your issuing bank), as well as any consumers who apply for an product or service issued by PDNB or MetaBank (see back of card for your issuing bank).
2. How Do We Collect Information Through Our Web Site? We can collect information about how people use our Web site by tracking the sites that lead people to our Web site or the number of views our Web pages receive; this is not personally identifiable information.
We may obtain identifiable information through our Web site by using “Cookies.” Cookies are used to tailor the website in order to improve the customer experience of those visiting our site more than once.
We may share information we collect about you with other companies (including Affiliates and Non Affiliates Third Party) in order to provide services on either our behalf or yours. For example, this includes companies that perform marketing services for us as well as companies who assist us in preparing and mailing statements and responding to customer inquiries. Other information shared may also include financial service providers, such as insurance companies
2. What Information is Shared? All information that is directly or indirectly collected from you may be shared.
3. Can You Stop Your Information From Being Shared? If you prefer us not to share your information with other companies, you may “Opt out” by contacting us via U.S. mail or telephone to inform us on your decision. We will honor any request to stop sharing your information unless it is permitted or required by law.
4. How Do You Contact Us? If you have any questions or requests, you can contact customer service at 1-866-925-2036 from 5:00 AM to 5:00PM PST, Monday through Friday. You can also contact us by U.S. mail at:
AccountNow Customer Service PO Box 1967 San Ramon, CA 94583
2. How Do We Protect the Confidentiality of Your Information? Your information is only accessible for business purposes to authorized employees which are properly trained to handle such sensitive information. We restrict access to your personally identifiable 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. Employees who violate the privacy policies of AccountNow will be subject to disciplinary action and possibly termination.
2. What If You Click a Link on Our Web site? Our Web site may feature links to other sites offering goods, services or information. Be aware that the content on other sites are not apart of AccountNow, unless otherwise indicated. We encourage you to review the privacy policy of any Web site before providing any personal information.
3. How Do You Access Your Information? You can access most of the information we have about you online at www.accountnow.com or www.accountnowvisa.com (depending on the card you have).
4. How Do You Correct Your Information? If you notice an error or need to update the information we have about you, contact us via U.S. mail or telephone to make the appropriate changes.
5. Can The Privacy Disclosure Change? As we try to provide you with better service, we may change our Privacy Disclosure from time to time. If you are a current customer, you will be notified if any changes are made and a revised disclosure will be sent to you describing any new practices as required by law.
6. California Residents Your state law requires us to obtain your consent before sharing information about you with others. We will not share information we collect about you with affiliates and non-affiliated third parties, unless otherwise permitted by law.
7. Vermont Residents Your state law requires us to obtain your consent before sharing information about you with others. We will not share information we collect about you with affiliates and non-affiliated third parties, unless otherwise permitted by law.
Authorized Users: You may request an additional Card for another person. You may also permit another person to have access to your Card or Card number. However, if you do, you are liable for all transactions made with the Card or Card number by those persons. You must notify us to revoke permission for any person you previously authorized to use your Card. You are responsible for all transactions and fees incurred by you or any other person you have authorized. If you tell us to revoke another person’s use of your Card, we may revoke your Card and issue a new Card with a different number. You are wholly responsible for the use of each Card according to the terms of this Agreement.
Personal Identification Number ("PIN"): We may, at our option, give you a Personal Identification Number (“PIN”). If we give you a PIN, you may use your Card, (i) to obtain Cash from any Automated Teller Machine (“ATM”) or (ii) at any Point-of-Sale (POS) device which requires entry of a PIN, that bears the STAR®, Pulse®, NYCE®, Maestro® or Cirrus® brand. All ATM transactions are treated as Cash withdrawal transactions. You should not write or keep your PIN with your Card. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately, following the procedures in the paragraph labeled “Your Liability for Unauthorized Transfers.”
Loading Your Card: You may add funds to your Card, called "value loading", at any time. The amount of each value load must be at least $10.00. There is a limit of five (5) value loads per day, not to exceed a daily value load of $6,000 (Cash value loads cannot exceed $950 per day). The maximum value load you may place on your Card when aggregated with any other Cards you have authorized is restricted to $10,000. You agree to present the Card and meet identification requirements to complete load transactions as may be required from time to time.
You should keep track of the amount of value loaded on Cards issued to you. You may call us at the Customer Service number shown on your Card and listed below at any time to obtain the current value on your Card. To reach us, call toll-free (866) 925-2036 for the balance. Our business hours are Monday through Friday, 5 a.m. to 5 p.m. PST, excluding holidays. You may also access your card account information online at www.accountnow.com 24 hours a day, 7 days a week, 365 days a year.
Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction. You are not allowed to exceed the available amount on your Card through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card (creating a “shortage”) you shall remain fully liable to us for the amount of the transaction. We reserve the right to bill you for any shortage. You agree to pay us promptly for the short age. We also reserve the right to cancel this Card should you create one or more shortages with your Card.
You do not have the right to stop payment on any purchase transaction originated by use of your Card. 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 five (5) days but it can take up to 45 days past the service date. Funds will also come off your account once the charge goes through.
If you obtain your funds in a currency or country other than the currency or country in which your Card was issued, the Issuer may increase the currency conversion rate (described in the immediately preceding section) up to an additional 2.95% and will retain this amount as compensation for its services. This charge is independent of the currency conversion rate established by MasterCard International Incorporated or Visa U.S.A. Inc. (depending on the card you have).
You may obtain information about the amount of money you have remaining in your card account by calling 1-866-925-2036. This information, along with a 60-day history of account transactions, is also available on-line at www.accountnow.com. You also have the right to obtain a sixty (60) day written history of account transactions for a fee by calling 1-866-925-2036, or by writing us at AccountNow Customer Service, P.O. Box 1967, San Ramon, Ca 94583.
Special Note: Recurring direct deposit means regular deposits from your payroll or benefits provider. PayPal, loan, and tax refund transactions are not considered recurring direct deposits.
AccountNow Customer Service P.O. Box 1966 San Ramon, CA 94583
If you provide this information orally, we may 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 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, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. 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. Copies of the documents used in the investigation may be obtained by contacting :
AccountNow Disputes P.O. Box 1966 San Ramon, Ca 94583
(ii) Information Security: Only those persons who need it to perform their job responsibilities are authorized to have access to Cardholder Information. In addition, we maintain physical, electronic and procedural security measures that comply with federal regulations to safeguard Cardholder Information.
(iii) Disclosure: We may use Cardholder Information to provide customer services, to process claims for lost or stolen Cards, to develop marketing programs, to help protect against fraud and to conduct research and analysis. In addition, it is often necessary for us to disclose Cardholder Information for the same purposes to companies that work with us. For example, we may provide certain Cardholder Information to companies that perform business operations or services, including marketing services, on our behalf. We may also provide certain Cardholder Information to others as permitted by law, such as government entities or other third parties in response to subpoenas.
(b) Definitions: As used in this Arbitration Provision, the term “Claim” means any claim, dispute or controversy between you and us arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Provision or the Agreements. “Claim” includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. The term “Claim” is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any Additional Cardholders designated by you; (ii) the amount of Available Funds on the Cards; (iii) advertisements, promotions or oral or written statements related to the Cards, goods or services purchased with the Cards; (iv) the benefits and services related to the Cards; and (v) your enrollment for any Card. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in the court. As used in the Arbitration Provision, the terms “we” and “us” shall for all purposes mean the Bank, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, “we” or “us” shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Provision, the terms “you” or ”yours” shall mean all persons or entities approved by us to have and/or use a Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all Additional Cardholders.
(c) Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either the National Arbitration Forum (“NAF”), Judicial Arbitration and Mediation Services (“JAMS”), or the American Arbitration Association (“AAA”), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select either of the other organizations listed to serve as arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) the NAF at P.O. Box 50191, Minneapolis, MN 55404; website at www.arbitration-forum.com; (ii) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; (iii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org.
(d) Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE NAF, JAMS, OR AAA, AS APPLICABLE (THE “CODE”). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.
(e) Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders or other persons similarly situated. The arbitrator’s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator’s authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.
(f) Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.
(g) Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the “FAA”). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party’s notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of the objecting party’s submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to its Code and issue its decision within one hundred twenty (120) days of the date of the appellant’s written notice. The decision of the panel shall be by majority vote and shall be final and binding.
(h) Continuation: This Arbitration Provision shall survive termination of your Card as well as voluntary payment of the debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.
(g) Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the “FAA”). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable status of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party’s notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision with in twenty (20) days of the objecting party’s submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to its Code and issue its decision within one hundred and twenty (120) days of the date of the appellant’s written notice. The decision of the panel shall be by majority vote and shall be final and binding.
This notice contains important information that you are entitled to receive before you consent to transact business with us electronically. Please read this notice carefully and print or download a copy for your files.
Description of Disclosures and Consent
We are required to provide certain disclosures to you in connection with the AccountNow Prepaid MasterCard or AccountNow Prepaid Visa Card enrollment contained on the AccountNow website, as well as certain additional disclosures regarding the AccountNow Prepaid MasterCard card or AccountNow Prepaid Visa Card account issued by Palm Desert National Bank ("PDNB") or MetaBank (see back of card for issuing bank). By consenting to the electronic delivery of disclosures, you agree that we may, provide electronically any and all communications regarding the card enrollment and the opening of the card account (the “Disclosures”). These may include, in addition to other things, Disclosures pursuant to: the Equal Credit Opportunity Act and Regulation B; the Truth in Lending Act and Regulation Z; the Gramm-Leach-Bliley Act and Regulation P; and any other applicable federal, state or local law, or regulation.
This consent applies to the receipt of electronic Disclosures with respect to this enrollment and the opening of the card account. This consent does not apply to any future transactions that may occur between us.
Paper Copies of Disclosures
To apply for and obtain a card account issued by PDNB or MetaBank online (see back of card for issuing bank), you must agree to receive all information and disclosures regarding your card account electronically prior to submitting your enrollment. You agree to print out, download or otherwise store the Disclosures and other communications to keep for your records. If you consent to the electronic delivery of Disclosures, you may also receive a paper copy of any Disclosure provided to you electronically by writing us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583 or calling us at 1-866-925-2036. There is a fee for the paper copy.
Withdrawing Consent to Electronic Delivery
You may withdraw your consent by exiting this website without completing and submitting your enrollment for the AccountNow Prepaid MasterCard or AccountNow Prepaid Visa Card. If at any time after your card account is opened you wish to withdraw Your Consent, you may do so by sending us your request in writing to: AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583 or calling us at 1-866-925-2036. If you decide to withdraw Your Consent, the legal effectiveness, validity and/or enforceability of prior electronic Disclosures will not be affected. We also reserve the right to cancel this Card should you withdraw your consent.
Hardware and Software Requirements:
You must use a computer processor (CPU), monitor, modem with ISP access to the internet or direct-dial up accessibility and a printer capable of printing text screens or hard drive capable of storing data. In addition, you must use an internet browser software that supports 128-bit encryption and you will need required software, such as Adobe Acrobat Reader and Word.
If you want to review additional information on the requirements for using this software and associated hardware requirements, go to www.adobe.com or www.microsoft.com
Procedures to Update Your Records
It is your responsibility to provide us with a true, accurate and complete e-mail address, contact, and other information related to this Disclosure and your Account(s), and to maintain and update promptly any changes in this information. Notify us of changes in such address by writing us at AccountNow Customer Service, P.O. Box 1966, San Ramon, CA 94583 or calling us at 1-866-925-2036.
CONSENT AND ACKNOWLEDGEMENT
By enrolling to the AccountNow Prepaid MasterCard or AccountNow Prepaid Visa Card you acknowledge and agree that: