Online Privacy and Security
1. Types of Information We Collect
We collect two basic types of information through the Services – personal information and anonymous information.
"Personal information" refers to information that identifies (whether directly or indirectly) a particular individual, such as information you provide on our forms, surveys, applications or similar online fields. Examples may include your name, postal address, email address, telephone number, Social Security number, date of birth or account information.
"Anonymous information" means information that does not directly or indirectly identify, and cannot reasonably be used to identify, a particular individual. Examples may include information about your Internet browser, information collected through tracking technologies (see "How We Collect Your Information" for additional information regarding our use of tracking technologies), demographic information that you provide to us (e.g., your annual income) and aggregated or de-identified data.
"Location information" means information that may be collected by the website and the MoneyPass mobile application that identifies your physical location. This information may be collected from your mobile device’s location-aware features when you request certain services that are dependent on your physical location.
2. How We Collect Your Information
We collect personal information from you or about you when you provide this information to us directly. For example, we may obtain personal information when you request information, products or services from us, register on the Website or an Application, respond to surveys, contact customer support or otherwise interact with us.
In addition, we may collect information about your activity on the Services automatically using tracking technologies, such as cookies, Flash cookies and pixel tags. Definitions for the tracking technologies listed, as well as information regarding how to disable them, are available in the Online Tracking and Advertising section of the Policy.
3. How We Use Your Information
We may use information collected through the Services in order to, among other things:
- Provide you with, or evaluate your eligibility for, products and services that you request from us
- Communicate with you about your accounts or transactions with us
- Send you important information regarding the Services, changes to this Policy and/or other similar administrative information
- Consistent with local law, required disclosures, and choices and controls that may be available to you:
- Send you offers and promotions for our products and services, or products and services that may be of interest to you;
- Provide you with advertising based on your activity on the Services and on third-party websites and applications. For additional information regarding our use of your information for personalization and tracking, please refer to the Online Tracking and Advertising section of the Policy.
- Optimize or improve our products and services
- Detect, investigate and prevent activities that may violate our policies or be illegal
- Comply with our legal and regulatory obligations
4. How We Share Your Information
We will not share your personal information outside of MoneyPass except under limited circumstances as allowed or required by law. Examples include sharing information with third party service providers who work for us to provide or maintain products or services, responding to court orders or judicial process.
We and certain trusted service providers, operating on our behalf, collect information about your activity on the Services using tracking technologies, including:
You can choose to have your device refuse to accept any cookies, and the majority of devices and browsers offer additional privacy settings for cookies. You do this through your browser settings. Each device and each browser is a little different, so look at your device Settings or your browser Help menu to learn the correct way to modify your cookies. If you turn cookies off, you will not have access to many features that make your user experience more efficient and some of the Services may not function properly. Please note that you will need to manage your cookie settings for each device and browser that you use.
- Location tracking on mobile devices. Certain applications on mobile devices may transmit information to us about your location when you request information from them. An example includes your physical location when you search for a nearby ATM using your mobile device. We may use that information to improve the products and services we provide to you as well as improving our services generally in your area.
Information collected through tracking technologies is used for many purposes including, for example, to:
- Monitor and evaluate the use and operation of the Services
- Analyze traffic on the Services and on websites or mobile applications of third parties
Service providers that collect tracking data on our behalf may provide an opportunity for you to choose not to be tracked online.
Occasionally, you may encounter banner advertisements for our products and services on third-party websites and mobile applications. We use third-party advertising service providers to distribute our advertisements on websites and mobile applications where we have paid to advertise. These advertisements may use tracking technologies to capture information such as IP address, browser type and usage information in order to track the effectiveness of our advertising efforts. Such tracking technologies do not capture personal information about you, and our advertising service providers are prohibited from using any information collected except to track advertising effectiveness.
In addition, we use advertising service providers such as Google to place advertisements for our accounts and services on websites not affiliated with us, and to help us determine which of our advertisements are most likely to be of interest to you using non-personal behavioral information. Advertisements placed by these service providers may use tracking technologies that allow monitoring of your responsiveness to such advertisements. We restrict access and collection of information by advertising service providers for purposes other than assisting us with our advertising efforts.
MoneyPass participates in the industry Self-Regulatory Program for Online Behavioral Advertising managed by the Digital Advertising Alliance (DAA) (www.aboutads.info/choices). As part of this service, MoneyPass online advertisements are sometimes delivered with icons that help consumers understand how data about them is being used. Clicking on the icon provides options for consumers who want more control and ability to opt out of such behavioral (targeted) advertising. MoneyPass may use data collected on our website to customize advertisements to you on other sites as you browse the web. You can click on the DAA icon in our targeted advertisements to opt out if you do not want your browsing behavior used for online behavioral advertising purposes. If you prefer not to have non-personal information used for online behavioral advertising purposes, you may also opt-out here (http://www.aboutads.info/choices/). Please note that even if you opt-out, you may still receive online advertising from MoneyPass. Opting-out from a specific advertising provider means that the ads you do receive will not be based on your preferences or behavior.
In order for behavioral advertising opt-outs to work on your device, your browser must be set to accept cookies. If you delete cookies, buy a new device, access the Services from a different device, log-in under a different screen name or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt-out, as online behavioral advertising technology does not work when scripting is disabled. Please check your browser's security settings to validate whether scripting is active or disabled.
6. Linked Websites
7. Data Security
Your privacy is very important to MoneyPass and we are committed to protecting your personal information from unauthorized access or use. We have implemented physical, technical and administrative security measures that comply with federal law and industry standards, including network firewalls, Secure Sockets Layer (SSL) encryption for online sessions, dedicated security teams and secured files and buildings.
8. Preventing Identity Theft
Note that MoneyPass will never initiate a request via email for your sensitive information (e.g., Social Security number, personal ID, password, PIN or account number). If you receive an email asking for your sensitive information, you should be suspicious of the request and promptly contact us to report the suspicious activity.
Additional information regarding identity theft and the steps you can take to help protect yourself from fraud can be found on the Federal Trade Commission website. (http://www.consumer.ftc.gov/features/feature-0014-identity-theft)
9. Children’s Privacy
We do not use the Services to knowingly solicit data from or market to children under the age of thirteen (13) without parental consent. We request that such individuals do not provide personal information through the Services. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should promptly contact us and we will delete such information from our files. For additional information regarding the Children's Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website (https://www.ftc.gov/).
10. Social Media Platforms
From time to time, we may make changes to this Policy in order to accommodate new technologies, industry practices, and regulatory requirements or for other purposes. We encourage you to review the Policy periodically to ensure that you understand how we collect, use and share information through the Services. If we do make changes to the Policy, we will also update the "Effective Date" posted at the top of the Policy.
Any changes to the Policy will become effective when the revised Policy is posted on the Website, relevant Application or other MoneyPass online interface, as applicable. By continuing to use the Services following such changes, you are agreeing to accept the terms of the revised Policy.
12. Contact Us
225 West Station Square
Pittsburgh, PA 15219
* The MoneyPass Network is owned and operated by Elan Financial Services.