InteliSpend Prepaid SolutionsTM
Protecting your privacy is important to us. The following statement is intended to help you understand how InteliSpend Prepaid Solutions, LLC, InteliSpend Prepaid Solutions, ULC and InteliSpend Inc. (“InteliSpend”, “we”, “us”), collects, uses, and safeguards confidential information as well as any Personally Identifiable Information (defined below) you provide to us on our websites and web-based applications (“Our Websites”) and the ways that you can access and correct your Personally Identifiable Information.
Please note that our Privacy Statement does not address the privacy or information practices of any third parties. InteliSpend cannot, and does not, assume responsibility for the policies, practices and/or actions of any third parties. Third party vendors under contract with InteliSpend to provide certain support services are required to safeguard Personally Identifiable Information.
“Personally Identifiable Information” is information about an individual by which the identity of that individual could be deduced, such as residential address and telephone number, e-mail address, transaction records and other personal information. Personally Identifiable Information does not include name, position or title, business address or business telephone number. Personally Identifiable Information also excludes specified publicly available information, such as that listed in a telephone directory.
“Non-Identifiable Information” is information that cannot be associated with a particular individual. This includes web-traffic information that is collected and analyzed in the aggregate.
InteliSpend uses the Personally Identifiable Information collected to provide services (e.g., to recognize you when you return to Our Websites, save your password in password-protected areas, and enable you to use shopping carts); process your orders; complete your transactions; respond to your requests; deliver the products and services you request or for which you apply; notify you of account or product/service updates; prevent fraud; and as required to provide services that support our products.
In addition to Personally Identifiable Information, InteliSpend also gathers Non-Identifiable Information about visitors to Our Websites and uses Non-Identifiable Information to identify preferences and provide relevant products and services.
Company Commitment to Privacy
InteliSpend respects your privacy and makes every effort to protect your information. This Privacy Statement is applicable only to our United States and Canadian clients, card recipients and visitors to Our Websites. InteliSpend respects the privacy of your Personally Identifiable Information and undertakes to comply with applicable privacy legislation in these jurisdictions. InteliSpend makes no representation that Our Websites are governed by, or operated in accordance with, the laws of other nations, or that Our Websites or any part thereof, are appropriate or available for use in any particular jurisdiction. Those who choose to access Our Websites do so on their own initiative and at their own risk, and are responsible for complying with all local rules, regulations and laws. We maintain administrative, technical and physical safeguards to protect against unauthorized use, disclosure, alteration or destruction of the Personally Identifiable Information you provide to us. As we continue to improve Our Websites, and modify our privacy practices, we will continue to update and strive to improve our Privacy Statement. Therefore, we encourage you to refer to this Privacy Statement on an ongoing basis.
Your access and use of Our Websites signifies your consent to the collection, use and disclosure of your Personally Identifiable Information in the manner described in this Privacy Statement, as amended from time to time. InteliSpend may revise this Privacy Statement, without notice, by updating this webpage. Your continued use of Our Websites after any revisions are made constitutes your acceptance of the revised Privacy Statement. Please check this webpage for the most current version of the Privacy Statement.
Types of Information Collected on Our Websites
When you become a registered user of any of Our Websites, and enroll in online products or services provided by InteliSpend, you may voluntarily provide us with information such as your name, address, credit card number, e-mail address and/or telephone number.
Becoming a registered user enables you to review confidential information regarding your prepaid card (for cardholders) or order(s) placed specific to your account (for InteliSpend clients). Such transactions are protected by usernames and passwords and/or card account information.
You should keep your password, username, and account information confidential. After you have become a registered user of any of Our Websites, we may obtain additional information, such as your usage of Our Websites, and your usage of the other InteliSpend online services in which you enroll.
Whether or not you are a registered user of Our Websites, if you purchase or apply for InteliSpend products or services offered on Our Websites, we may request that you provide your name and address, telephone number, email address, and other information in order to provide the product or service to you or to process your application for the product or service.
How We Use Information
We use the Personally Identifiable Information and Non-Identifiable Information collected on Our Website to process transactions you conduct on Our Websites, and to process applications and deliver the products and services you enroll in, or for which you apply. We also use Personally Identifiable Information regarding card recipients (including contact information, username and password, personal identification numbers (or “PIDs”), card account information and transaction history) to respond to inquiries, monitor balances and prevent fraud. To do this, it is often necessary to share this information with carefully selected third-party service providers and business partners with whom we work, such as companies that manage accounts and companies that perform customer support services or other business operations for us. We reserve the right to share your Personally Identifiable Information with such third-parties for the purpose of enabling these third parties to provide such services to us or on our behalf. We require such third-party vendors to preserve the confidentiality and security of such data and not to use such data for any purpose other than to provide the authorized services.
Information collected by us may be stored and processed in the United States, the Philippines, or in any other country in which we or our service providers maintain facilities, and by using Our Websites you consent to any such transfer of information. Be advised that Personally Identifiable Information may be made available, without your knowledge, to the United States government or its agencies, or those of governments in any other country where we or our service providers store or process Personally Identifiable Information, under a lawful order made in that country.
We also use Personally Identifiable Information and Non-Identifiable Information collected via Our Websites, together with information we have about you, publicly available information, and preferences you indicate, to customize your online experience and to provide you with more relevant offers and updates.
To inquire or change your preference information, contact us at the following:
- Business clients: 1-888-291-9369
- Card recipients: Contact the applicable number below
How We Use Your Email Address or Telephone Number
We may use your email address and/or telephone number to send you the following types of messages:
- Service notifications related to your account(s).
- Occasional email updates about our products and services.
- Promotional offers as requested through an “opt in” request.
- Regularly scheduled email newsletters related to the InteliSpend products or services in which you are or have been enrolled.
- Alerts that you opt-in to receive regarding your prepaid card
Unless specifically and clearly disclosed on a Website into which you opt-in, we will not share your email address with other companies for them to market their products or services to you. When we hire vendors to deliver emails to you on our behalf, they cannot use your email address for any other purpose. To make our email offers more relevant to you, we may use information you provided in your initial transaction with us, in surveys and from information we have already gathered about you.
You may choose to opt-out of the transfer of your email address to third parties as described below.
When we send email to you, we may be able to identify information about your email address, such as whether you can view graphic-rich HTML email. If your email address is HTML-enabled, we may choose to send you graphic-rich HTML email messages. Also, when you receive an email offer from InteliSpend, we record whether or not you “click through” to view the email, content attached, and respond to the offer.
Accepting and Declining Email Offers
Although we intend to only send you notice of carefully designed opportunities, we recognize the importance of providing you with choices. At any time, you may request to discontinue receiving these offers from us by simply opting out.
- By opting out, you request InteliSpend, and vendors on our behalf, not send you email communications concerning opportunities. However, as we may occasionally need to send you certain email messages that are important to your use of products and/or Our Websites, we retain the right to provide service updates to you via email. Because this information may be important to your use of Our Websites, you will not be able to opt out of receiving such messages.
- By opting-in, you a) request InteliSpend (or third parties acting on our behalf), send carefully designed email communications about opportunities and service offers to you at the email address you provide, or b) to receive offers from the business partner clearly disclosed in the opt-in section of Our Website(s).
- You may opt-out at any time by following the “unsubscribe” link contained in each email offer.
- InteliSpend will modify our email practices as necessary to remain in compliance with all applicable laws regarding the sending of commercial electronic communications and update this Policy as necessary.
When you browse Our Websites and have not signed in for any online service from InteliSpend, Personally Identifiable Information, such as your name, address, phone number, and e-mail address, is not collected. However, we track how Our Websites are used by anonymous visitors as well as registered customers and cardholders. InteliSpend uses a third-party provider to collect and analyze our web traffic data.
Some of Our Websites may enable you to provide us with confidential or sensitive information. Before this data is transmitted, these sites will first establish a “secure session” using a technology called Secure Socket Layer, often abbreviated as SSL. Secure Socket Layer technology encrypts information as it is being sent over the Internet between your computer and InteliSpend systems, helping to ensure that the information remains confidential. The use of SSL requires two components: a SSL-compatible browser and a web server to perform the “key-exchange” that establishes an SSL connection to InteliSpend web server systems. Secure Socket Layer sessions are established on Our Websites where customers are providing any type of ordering information online, providing any type of payment-related information (card number, card valid thru, and card security identification number), where cardholders are accessing information regarding their prepaid card, or where other confidential or sensitive information may be submitted on Our Websites.
Your browser will contain an indicator of whether or not you are transmitting data in a secure session. For example, a key or lock symbol may appear in the bottom bar to indicate you are visiting a secure site. Refer to your browser’s help feature to find out more about how your browser indicates that a secure session has been established.
InteliSpend realizes how important security is to you, and we take seriously our responsibility to protect the information you may provide us over the Internet.
You should be aware that email is not a completely secure channel of communication. Please do not use e-mail to send us personal and other sensitive information such as card or account numbers, social security numbers, PIN numbers, mother’s maiden name, or passwords. Further, we will not request you provide this sensitive data over e-mail without a secure transmission available.
We are continually updating our technical solutions to assure the confidentiality and security of all the information you provide to us online and take reasonable precautions to keep the information that we collect secure, including organizational, physical and electronic precautions. However, it is important to note that no data transmission over the Internet can be guaranteed to be 100% secure, and information transmitted over the Internet could be intercepted by third parties. As such, we do not assume any liability for the theft, loss, misuse or alteration of any information transmitted over the Internet.
Our Websites are not directed toward minors (individuals under 19 years of age). InteliSpend does not permit registration or use of Our Websites by anyone under the age of 19, and we do not knowingly solicit, collect data from or market to minors under the age of 19 through Our Websites. If you are under 19 years of age, you should exit Our Websites and not provide Personally Identifiable Information to any site on the Internet without the knowledge and permission of your parent or guardian.
Retention of Your Personally Identifiable Information
Personally Identifiable Information will be retained in accordance with the law. We use methods approved for the financial or payment industry when Personally Identifiable Information is removed or deleted from our system to ensure it cannot be accessed afterwards.
Access to Your Personally Identifiable Information
Upon request and consistent with any applicable client or legal obligations of InteliSpend, you are entitled to access, verify, amend and/or correct your Personally Identifiable Information. You may be required to provide sufficient identifying information, such as, without limitation, name, address, ID, password, or other data before being provided such access. Such access may be denied or limited if providing such access is unreasonably burdensome, prohibited by law or if providing access to such information would infringe another person’s rights. Please contact our Privacy Officer at the contact information below for further information about access to Personally Identifiable Information.
How to Contact Us
If you have a concern regarding the collection, use or disclosure of your Personally Identifiable Information by InteliSpend, please contact our Privacy Officer at: email@example.com. Your concern will be investigated and you will be notified within 30 days of the outcome of the investigation and any action required as a result.
Please note, this Privacy Statement applies solely to our online information gathering and disclosure practices in connection with Our Websites, and does not apply to any offline operations.
This Privacy Statement, as amended from time to time, has been adopted by InteliSpend as of July 31, 2013.