Privacy Policy

Online Privacy and Security

At the MoneyPass Network* (“MoneyPass,” “we,” “us” or “our”), trust has always been the foundation of our relationship with customers. We understand your desire for privacy. Our Online Privacy Policy is designed to describe our privacy practices and principles in a format that is easy to navigate, read and understand. We pledge to treat your personal information with the utmost care and respect.

Online Privacy Policy

This Online Privacy Policy (the "Policy") describes the treatment of information that is provided or collected through any of our online interfaces to which a copy of the Policy is posted, including moneypass.com (the "Website"), Applications we have placed on third party sites such as Facebook®, Twitter® and other social media services, and MoneyPass’s mobile applications (the "Applications," and together with the Website, the "Services"). It also explains how we collect, use and share information based on users’ interactions with online advertisements, both on the Services and on online interfaces owned by third parties. Note that the Policy does not govern our privacy practices offline or with respect to information that is not provided or collected through the Services.   For additional information on this Policy or our privacy practices generally, please feel free to contact us directly with your questions.

While this Online Privacy Policy describes how we treat information, please be aware that additional terms and conditions may apply for certain parts of our Website and Applications.

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.  

5. Online Tracking and Advertising

We and certain trusted service providers, operating on our behalf, collect information about your activity on the Services using tracking technologies, including:

  • Cookies: 
    Cookies are pieces of information that are stored directly on the device that you are using. They allow us to collect information such as the type of browser you are using, the amount of time you spend using the Services, the websites or applications you visit and the preferences you have set up for your accounts. We use this information to personalize your experience, enhance security, facilitate navigation, display material more efficiently and recognize the device that you are using to access the Services. The Services do not use cookies that capture unencrypted personal information about you.

    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.

  • Pixel tags, web beacons, clear GIFs and other similar technologies. These are typically small pieces of data that are embedded in images on the Website, our Applications or certain email communications. They may involve the transmission of information directly to us, to another party on our behalf or to another party in accordance with its privacy policy. We may use these technologies to bring together information we collect about you. 

  • 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

The Services may contain links to third-party websites not controlled by MoneyPass. We encourage you to be aware when you leave the Services and to read the privacy policies and terms of use of any such websites that may collect your personal information, as they will likely differ from those of the Services. MoneyPass does not guarantee and is not responsible for the privacy or security of these websites, including the accuracy, completeness or reliability of their information.

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

MoneyPass may interact with registered users of various social media platforms, including Facebook® and Twitter®. Please note that any content you post to such social media platforms (e.g., pictures, information or opinions), as well as any personal information that you otherwise make available to users (e.g., your profile), is subject to the applicable social media platform’s terms of use and privacy policies. We recommend that you review this information carefully in order to better understand your rights and obligations with regard to such content.

11. Changes to the Online Privacy Policy

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

If you have any questions, comments, or complaints about the MoneyPass privacy policy and/or the way it affects you, please feel free to email us or write to us at the following address: 

MoneyPass
Attn: Marketing
225 West Station Square
Suite 620
Pittsburgh, PA 15219
mpsupport@moneypass.com

 

* The MoneyPass Network is owned and operated by Elan Financial Services.