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Terms & Conditions
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Privacy Policy
NetSpend Prepaid Card Program Privacy Policy
MetaBank and NetSpend, its Member Service Provider, recognize that the trust of our customers is one of our most important assets. As such, our primary goal is to deliver innovative payment products and world-class service while ensuring the integrity and sanctity of our customers' privacy. The following outlines some of the steps that we take on a daily basis to ensure that our customer's information is secure, private, and used only in a manner consistent with our customers' wishes.
We will safeguard, according to our strict standards of security and confidentiality, any and all information our customers share with us. We use advanced security techniques and processes designed to protect the integrity and privacy of our customers' information, particularly when this information is used by our employees and partners to provide customer service.
We collect nonpublic personal information about you from the following sources: (i) Information we receive from you on applications or other forms, (ii)Information about your transactions with us, or others such as your account balance, transaction history, parties to transactions and card usage, and (iii) Information we received from third parties, including government agencies, consumer-reporting agencies such as your tax identification number and credit-worthiness and credit history. We advise our customers about the general uses of the information we collect about them, and we will gladly and promptly provide additional explanation if our customers request it.
We may disclose aggregate information about our customers and former customers to third parties with whom we may have a joint marketing agreement, or those companies who perform marketing services on our behalf. This includes all information we may collect directly or indirectly from you.
We will permit only authorized employees, who are properly trained in the appropriate handling of sensitive customer information, to have access to that information, and only if required by their business responsibilities. Employees who violate our Privacy Policy are subject to our disciplinary process, up to and including termination.
We give our customers choices as to how their information is used, if at all. We provide our customers with the opportunity to remove their names used for mail, telephone or online marketing upon initial customer contact and subsequently on an annual basis. This opt-out choice includes products and services offered by NetSpend Corporation and our affiliate marketing partners, and customers may easily opt out by contacting us via U.S. mail or telephone.
Except as outlined above, we limit the release of customer information. In addition to providing our customers with the opportunity to opt out of marketing offers, we release information only with the customer's consent or request, or when we are required to do so by law or other regulatory authority. When a court order or subpoena requires us to release customer information, we notify the customer promptly in order to provide the customer with the opportunity to exercise their legal rights. The only exception to this policy is when we are prohibited from notifying the customer by law or due to a court order, or in cases in which fraud, money laundering and/or criminal or illegal activity is suspected.
We quickly respond to our customers' requests for explanation. In the event that we deny service or choose to end a customer's relationship, and to the extent permitted by applicable laws, we will provide a prompt and detailed explanation if requested.
We will notify our customers in the event that our privacy policy changes. If our privacy policy is modified, we will attempt to notify our customers of these changes via email, U.S. mail or via telephone. As customers do now, they will continue to have a choice as to whether or not they allow us to use their information in this different manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on the MetaBank NetSpend Prepaid Card Program website (
www.netspend.com) notifying users of said change(s). In some cases where we post the notice we will also email users, who have opted to receive communications from us, notifying them of the changes in our privacy practices. We will post our annual privacy notice to the cardholder's account center on our website. When we post our annual privacy policy notice we will also email cardholders notifying them of the annual privacy policy notice. Should you wish, a paper annual privacy policy notice will be made available to you upon request.
Updating customer information. Should customers need to update any information they have previously supplied to us, they may contact NetSpend Customer Service at 1-86-NETSPEND (1-866-387-7363) from 8:00 AM to 10:00 PM CST, Monday through Friday and 8:00 AM to 8:00 PM CST, Saturday and Sunday. Customers may also email us at
customerservice@netspend.com.
If you wish to opt out of our and our partners', marketing offers, please contact us via U.S. mail at the following address:
NetSpend Prepaid Card Program
PO Box 2136
Austin, TX 78768-2136
1-86-NETSPEND (1-866-387-7363)
Or you may call us at 1-86-NETSPEND (1-866-387-7363)
The information above applies to all of the NetSpend Prepaid Card Program customers, including those that transact primarily on the Internet.
Our website requires the use of cookies, pieces of information that a website places in a file associated with our customer's browser, that may be used to deliver content specific to their interests and for other purposes, such as security and other account administrative functions. For example, cookies are used to store customer preferences for certain types of information so that they do not have to input it every time they visit our site. NetSpend cookies are encrypted and do not contain nor track personal identifying information; none will contain information that will enable anyone to contact our customers via telephone, e-mail or any other means.
Please note that NetSpend can serve as a gateway for shopping at merchant sites, most of which also use cookies to deliver content specific to our customer's interests and for other purposes, such as security, promotional preferences and administrative functions such as shopping cart functionality. NetSpend cannot control merchant sites use of cookies or be held responsible for those merchant's policies regarding the use of cookies.
NetSpend Corporation also participates in the Council of Better Business Bureaus' BBBOnLine Reliability Program. For more information about BBBOnLine® Reliability Program, please see: BBBOnLine (
Welcome to BBBOnline).
NetSpend collects "referrers" information, IP addresses, and various environmental variables.
* A "referrer" is information the Web browser passes along to NetSpend's Web server that references the URL from which the customer came.
* The "IP address" is a number used by computers on the network to identify the customer's computer so that data can be transmitted to them.
* "Environmental variables" include, among other things, the domain from which customers access the Internet, the time they accessed our Web site, type of Web browsers and operating system or platform used, the Internet address of the Web site they left to visit NetSpend, the names of the pages they visit while at our Web site, and the Internet address of the Web site they subsequently visit.
This information is collected to enhance web site security and to detect broad member trends.
Security
The NetSpend website has security measures in place to protect the loss, misuse and alteration of the information under its control. All personal and account activity information collected on and used by the
www.netspend.com web site is not accessible by the public or via the Internet. All accesses to our databases wherein personal information is kept are logged for security purposes and access is limited to key personnel. All personal information, account activity and purchasing activities are protected via user names and passwords. All user-specific activities (those that are accessed during and after a user logs-in with their user name and password) are protected using a secure communications encryption technology called SSL.
SSL (Secure Socket Layer) is a security feature that creates an encrypted connection between the client (your computer) and our server (
www.netspend.com), which prevents the interception and inappropriate use of this critical data. Transactions through a server using SSL are far safer than using a credit card at other retail establishments. It is much easier for credit card thieves to sift through trashcans at banks or retailers than to harness the genius and super computing power necessary to decrypt the small bits of secure data transmitted during an SSL connection. The point is that our customer's greatest risk for exposure of personal or financial information and transactions is NOT the use of properly secured sites such as
www.netspend.com, but rather from information made available by their everyday activities.
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