TranzactCard U.S. Online & Mobile Privacy Policy

TranzactCard, LLC, (“TranzactCard”, “Tranzact”, “we”, “us”, or “our”) is committed to your privacy. Our goal is to maintain your trust and confidence when handling personal and financial information about you.

This U.S. Online & Mobile Privacy Policy (“Policy”) describes TranzactCard’s online and mobile privacy practices and applies to anyone who visits our websites or TranzactCard branded social media sites or pages, or uses our mobile applications.

Information that you provide to TranzactCard Bank when you apply for or obtain a product or service from us to be used primarily for personal, family or household purposes is also governed by a separate notice entitled ‘TranzactCard U.S. Consumer Privacy Notice’. If you are such an applicant or customer, please refer to that notice for additional information about our privacy practices.

By using this website or our mobile applications, you agree to the terms and conditions of this Policy.

Information We Collect

When you use our website or our mobile applications, we may collect data from you that generally fall into one of two categories:

“Personal Information” - Personally identifiable information you provide to us such as your name, mailing address, email address, telephone or mobile phone number, social security number (used for identification purposes), or other information that identifies you.

“Online/Mobile Activity Data” - Data such as your IP address, your browser type and language, and your display/screen settings; data about how you use our website and how you interact with our website and mobile advertisements; data about your mobile device; advertising identifiers; geolocation data; social media preferences and other social media data; and other data that may be aggregated and/or de-identified (information that doesn’t identify individual consumers/customers).

How We Collect Information

When You Use or Visit Our Website

TranzactCard may collect information about you when you browse our website or use our online services. We may collect Personal Information when you voluntarily provide it to us through forms on our website or in our mobile applications, such as survey forms, bank account or loan applications, contest entries, and login pages for online banking or mobile application access.

TranzactCard may also use cookies and other online tracking devices such as pixel tags and clear GIFs (also known as web beacons) to collect Online/Mobile Activity Data from you depending on your browser settings. Cookies are small text files that a website’s server places on your computer. Cookies provide a means for websites that you visit to track browsing activities conducted with your computer. A Web beacon is a small string of software code that represents a graphic image on a website or email.

TranzactCard may also partner with certain third parties to deliver advertisements and monitor activities on our own website and other websites. Our partners may use cookies, web beacons, and/or other monitoring technologies to compile statistics about website visitors.

For example, TranzactCard uses Google Analytics to gather statistics on site usage. This may involve the use of cookies. There are more details in Google’s own privacy policy. Google may aggregate data they collect from their various services. You acknowledge and accept that TranzactCard has no control over Google’s data collection. We strongly advise you to review Google’s privacy policy for details of their data collection practices located at www.google.com/policies/privacy/partners/, or you may want to opt out from Google Analytics please check here https://tools.google.com/dlpage/gaoptout.

When You Use Our Mobile Apps

Additionally, TranzactCard may collect Online/Mobile Activity Data when you access our mobile applications or use the browser on your mobile device to access our website. For example, if you have enabled location services on your mobile device, we may collect geolocation data from your device.

When You Link Your TranzactCard Account With Other Financial Institutions, Websites Or Apps

If you link your TranzactCard Account with other financial institutions, websites, or apps (collectively, “Services”) you expressly give permission for TranzactCard and such other financial institutions, websites, or apps to transfer, store and process your information in accordance with each entity’s respective privacy policies. Therefore you are encouraged to read the privacy policies pertaining to such other financial institutions, websites or apps. When you link TranzactCard with another Service, TranzactCard can share information related to your identity, accounts, balances, and transaction history with the other entity.

When You Use Our Social Media Pages

TranzactCard has official pages on social media websites such as Facebook®, Twitter® and LinkedIn that enable consumers and customers to discuss their experiences with TranzactCard products and services.

We may also partner with companies that operate social media websites through which you may engage with TranzactCard.

When you interact with us on social media websites we may collect information such as your likes, interests, feedback, and preferences. When you interact with our partners, you are subject to their terms of use and privacy policies.

We may collect information from our social media partners, but only if you choose to share with them and they, in turn, share such information with us. Never include sensitive personal, financial or other confidential information such as your Social Security number, account number, phone number, mailing address or email address when posting or commenting online. Any posts you make on our official social media pages -- including posts that contain pictures, comments, suggestions, opinions, complaints or Personal Information -- are available to others who use those pages and are subject to the terms of use and privacy policies of the companies that operate the websites on which they appear. Please refer to the policies of those companies to better understand your rights and obligations with regard to such posts. You are also subject to this Policy and our social media guidelines when you visit our official social media pages.

How We Use Information

We may use Personal Information and Online/Mobile Activity Data we have collected for a variety of reasons. For example, we may use this type of data:

• To enable you to apply for and open TranzactCard Bank products or services.
• To verify your identity (such as when you access your account information).
• To prevent fraud and enhance the security of your account or our online services.
• To enable you to use online tools or perform certain online transactions.
• To service and manage your accounts including responding or updating you on inquiries or to contact you about your accounts.
• To provide you tailored content and marketing messages.
• To operate, evaluate and improve our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions).
• To comply with federal, state or local laws, rules or regulations, or other legal requirements.
• For other purposes that we may specifically disclose at the time you provide or we collect your information.

How We Share Information

We may disclose Personal Information and Online/Mobile Activity Data that we collect:

• To our affiliates.
• To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
• For any other purpose disclosed by us when you provide the information or with your consent.
• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• To enforce our rights arising from any contracts entered into between you and us, including the TranzactCard General Terms Agreement, User Agreement, Telephone Use Agreement, Electronic Communications Agreement, or any Product Terms.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of TranzactCard, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of TranzactCard's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by TranzactCard about our App users is among the assets transferred.

Updating Your Information