E-Sign Disclosure
This E-Sign Disclosure and Consent ("Disclosure"), applies to all Communications for any Account offered through
www.omnicard.com that
is not otherwise governed by the terms and conditions of an electronic disclosure and consent.
The words "we," "us," and "our" refer to MetaBank®, Member FDIC, with whom
you have your Account, and the words "you" and "your"
mean you, the individual(s) or entity identified on the Account(s). As used in this Disclosure, "Account" means the account you
have with
us. "Communication" means any customer agreements or amendments thereto, disclosures, notices, responses to
claims, transaction
history, privacy policies and all other information related to the product or service, including but not limited to information
that we are required by law to provide to you in writing.
1. Scope of Communications to Be Provided in Electronic Form.
When you use a product or service to which this
Disclosure
applies, you agree that we may provide you with any Communications in electronic format, and that we may discontinue sending
paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic
communications and transactions includes, but is not limited to:
2. Method of Providing Communications to
You in Electronic Form.
All Communications that we provide to you in
electronic form
will be provided either (1) via e-mail, (2) by access to a web site that we will designate in an e-mail notice we send to you at
the time
the information is available, or (3) to the extent permissible by law, by access to a web site that we generally designate in
advance
for such purpose.
3. How to Withdraw Consent.
You may withdraw your consent to receive Communications electronically by contacting
Customer
Service at 877-357-4975 or writing to us at 10615 Professional Circle, Suite 102; Reno NV 89521. At our option, we may treat
your
provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of
your
consent to receive electronic Communications; however your access and use of omnicard.com may be terminated. Any withdrawal
of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process
your withdrawal. If you withdraw your consent and we have your name and address, we will mail paper versions of all
Communications to you at no additional cost. If you have withdrawn your consent and wish to receive electronic Communications
again in the future, you may do so by contacting Customer Service at 877-357-4975 or writing to us at 10615 Professional Circle,
Suite 102; Reno NV 89521.
4. How to Update Your Records.
It is your responsibility to provide us with true, accurate and complete e-mail
address, contact, and other information related to this Disclosure and your Account(s), and to maintain and update promptly any
changes in this information. You can update information (such as your e-mail address) through omnicard.com or by contacting us
at 877-357-4975.
5. Hardware and Software Requirements.
In order to access, view, and retain electronic Communications that we
make available to you, you must have:
an Internet browser that supports 128 bit encryption;
sufficient electronic storage capacity on your computer's hard drive or other data storage unit;
6. Requesting Paper Copies.
We will not send you a paper copy of any communication, unless you request it or we
otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by
requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided
the electronic Communication to you. To request a paper copy, contact Customer Service at 877-357-4975 or write to us at 10615
Professional Circle, Suite 102; Reno NV 89521. We may charge you a reasonable service charge for the delivery of paper copies of
any Communication provided to you electronically pursuant to this authorization. We reserve the right, but assume no obligation,
to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.
7. Communications in Writing.
All Communications in either electronic or paper format from us to you will be
considered "in writing."
You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.
8. Federal Law.
You acknowledge and agree that your consent to electronic Communications is being provided in
connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and
National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability
to conduct business with you by electronic means.
9. Termination/Changes.
We reserve the right, in our sole discretion, to discontinue the provision of your
electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We
will provide you with notice of any such termination or change as required by law.
10. Consent.
By purchasing or using a card or Account from this site, you hereby give your affirmative consent
to provide electronic Communications to you as described herein. You further agree that your computer satisfies the hardware and
software requirements specified above and that you have provided us with a current e-mail address at which we may send
electronic Communications to you.
OmniCard Prepaid Reward Card Cardholder Agreement
Important Notice
CUSTOMER SERVICE CONTACT INFORMATION:
10615 Professional Circle, Suite 102; Reno NV 89521 ("Notice Address")
www.omnicard.com ("Website")
877-357-4975 ("Toll-Free Customer Service Number")
IMPORTANT NOTICES:
Fees and Expiration Dates associated with Your Account
The Card will expire when the "Valid Thru" date identified on the front of the Card has passed.
The funds on the Card will not be available after expiration, so you should use the funds prior
to the "Valid Thru" date on the front of the Card.
Replacement Card Fee: $5
Foreign Transaction Fee: 3% of the transaction amount (see Section 2.b, "Foreign Transactions," for
additional information)
This Cardholder Agreement ("Agreement") sets forth the terms and conditions under which the OmniCard Prepaid MasterCard Reward
Card has been issued to you. In this Agreement, "Card" means the OmniCard Prepaid MasterCard Reward Card issued to you by
MetaBank. "You" and "your" means the person or persons who have received the Card and are authorized to use the Card as provided
for in this Agreement. "We," "us," and "our" mean MetaBank, our successors, affiliates or assignees. "Corporate Sponsor" means
the manufacturer, retailer, distributor, or marketer of the Card. The Card will remain the property of MetaBank and must be
surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior
notice subject to applicable law. Please read this Agreement carefully and keep it for future reference.
1. ABOUT THE CARD
The Card is a prepaid card that has been provided pursuant to a conditional offer, and as a gratuity without the payment of any
monetary
value or consideration. The Card allows you to access funds on the Card provided all conditions of the offer have been met. The
funds
accessible by use of the Card have been provided by and belong to the Corporate Sponsor of the product or service that you
purchased,
not by the issuer of the Card. The Corporate Sponsor is fully responsible for ensuring funds are available to be loaded to the
Card. Your
failure to activate and use the Card results in the loss of all right, title and interest in the Card and the underlying funds.
You do not have
the ability to add funds to the Card. The Card is not a gift card, nor is it intended to be used for gifting purposes. You
should treat the Card
with the same care as you would treat cash. The Card account does not constitute a checking or savings account and is not
connected in
any way to any other account you may have. The Card is not a credit card. You will not receive any interest on the funds in the
Card
account. You may register the Card by visiting the Website at www.omnicard.com or calling the Toll Free Customer Service Number
at
1-877-357-4975.
2. USING THE CARD
a. Accessing Funds and Limitations
You may use your Card to obtain goods or services wherever the Card is honored. Each time you use your Card, you authorize us to
reduce the value available on your Card by the amount of the transaction. If the Card has not been registered or you do not
supply the
address currently on file for the Card, you may not be able to complete certain online, mail, or telephone purchases. If you
wish to make
such a transaction, you will need to visit the Website or call the Toll?Free Customer Service number to register the Card.
Your Card cannot be:
For security reasons, we may limit the amount or number of transactions you can make on your Card. We may refuse to process any
transaction that we believe may violate the terms of this Agreement.
b. Foreign Transactions
Foreign Transaction Fee:
If you obtain funds (or make a purchase) in a currency or country other than the
currency or country in which
the Card was issued ("Foreign Transaction"), the transaction will be converted to U.S. Dollars in accordance with the Currency
Conversion
process below, and you will be charged a fee equal to 3% of the total amount of the transaction in U.S. Dollars. The card
association may
consider transactions occurring in U.S. territories to be Foreign Transactions, so transactions originating from these locations
may be
subject to Foreign Transaction Fee. If you return an item for credit in a Foreign Transaction, we will not refund any foreign
transaction fee
that may have been charged on your original purchase.
Currency Conversion:
If you make a Foreign Transaction, the amount deducted from the funds will be converted by
the network or card
association that processes the transaction into an amount in the currency of the Card. MasterCard International Inc. and Visa
U.S.A. Inc.
currently use a conversion rate that is either: (i) selected from the range of rates available in wholesale currency markets
(which may vary
from the rate the association itself receives), or (ii) the government-mandated rate in effect for the applicable central
processing date. The
conversion rate used by the network is independent of the Foreign Transaction Fee described above.
c. Personal Identification Number ("PIN")
You will receive a Personalized Identification Number ("PIN") with your Card Account. When you receive your Card, your PIN will
be the
last four digits of the Card number. For security, we suggest you change your PIN so that only you will know it. To change your
PIN, call
Customer Service or visit our Website. Cards are not accepted at ATMs and cannot be used to obtain cash in any purchase
transaction. You should not write or keep your PIN with your Card. Never share your PIN with anyone and do not enter
your PIN into any
terminal that appears to be modified or suspicious. If you believe that there has been unauthorized access to your PIN, you
should advise
us immediately, following the procedures in the section labeled "Unauthorized Transactions."
d. Obtaining Card Balance Information
You should keep track of the amount of value loaded on the Card. You may obtain information about the amount of money you have
remaining in the Card account at no charge by contacting Customer Service. This information, along with a 60-day history of
account
transactions, is also available online by visiting our Website. You also have the right to obtain a sixty (60) day written
history of account
transactions by contacting Customer Service.
e. Authorized Users
Until you sign, you may present the Card to another person. If you do provide access to your Card or Card number, you are liable
for all
transactions made with the Card or Card number by those persons. You must notify us to revoke permission for any person you
previously
authorized to use Card information or have access to your account. You are responsible for all transactions and fees incurred by
you or
any other person you have authorized.
f. Authorization Holds
You do not have the right to stop payment on any purchase transaction originated by use of your Card. With certain types of
purchases
(such as those made at restaurants, hotels, or similar purchases), your Card may be "preauthorized" for an amount greater than
the
transaction amount to cover gratuity or incidental expenses. Any preauthorization amount will place a "hold" on your available
funds until
the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization
amount on hold will be removed. During this time, you will not have access to preauthorized amounts. If you authorize a
transaction and
then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds.
g. Returns and Refunds
If you are entitled to a refund for any reason for goods or services obtained with the Card, the return and refund will be
handled by the
merchant. If the merchant credits the Card, the credit may not be immediately available. While merchant refunds post as soon as
they are
received, please note that we have no control over when a merchant sends a credit transaction and the refund may not be
available for a
number of days after the date the refund transaction occurs.
h. Receipts
You may wish to retain receipts as a record of transactions. Receipts will be required if you need to verify a transaction.
i. Split Transactions and other uses
If you do not have enough funds available in your Card account, you may be able to instruct the merchant to charge a part of the
purchase
to the Card and pay the remaining amount with another form of payment. These are called "split transactions." Some merchants do
not
allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the
remaining
amount in cash.
If you use your Card number without presenting your Card (such as for an internet transaction, a mail order or a telephone
purchase), the
legal effect will be the same as if you used the Card itself. Payment for pay-at-the-pump stations must be made inside.
YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE ON YOUR CARD. If you attempt to use the Card
when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction
that exceeds
the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable
to us for the
amount of the transaction.
3. REPLACEMENT CARD
Please report any lost/stolen Cards immediately by calling Customer Service at 877-357-4975. If funds remain on your Card and
the "valid
thru" date has not passed, we will send you a replacement Card. Upon contacting us for any lost/stolen card, your funds will be
temporarily
unavailable until you activate your replacement Card. If your Card is lost or stolen, and you call for a replacment Card, you
may be charged
a Replacement Card Fee, as noted in the Fee Chart above.
4. BUSINESS DAYS
For purposes of these disclosures, our business days are Monday through Friday, excluding holidays.
5. UNAUTHORIZED TRANSACTIONS
If you believe the Card has been lost or stolen or an unauthorized transaction has been made using the information from the Card
without
your permission, contact Customer Service IMMEDIATELY. We will ask for the Card number and other identifying details.
We cannot
assist you if you do not have the Card number. We reserve the right to investigate any claim you may make with respect
to a lost or
stolen Card or unauthorized transaction, and you agree to cooperate with such investigation. We may not be able to assist you if
you do
not contact us within 60 days of the unauthorized transaction. We will charge a fee of $5 as noted in the fee table above
(subject to
applicable law) to replace any lost/stolen Card, which will be deducted from the balance on the Card. A reissued Card may take
up to 30
days to process.
6. LIMITATION OF LIABILITY
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with the
Card. Further,
we will not be liable to you or any other person:
7. OTHER TERMS
The Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of
the
Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do
not waive our
rights by delaying or failing to exercise them at any time (for example, assessing a fee less than described, or not all, for
any reason does
not waive our right to begin charging the fee as set forth in this Agreement without notice). If any provision of this Agreement
shall be
determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or
federal, the validity
or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the laws of
the state of
South Dakota except to the extent governed by federal law. Your termination of this Agreement will not affect any of our rights
or your
obligations arising under this Agreement prior to termination. Closing the Card will not entitle you to any of the remaining
funds.
8. TELEPHONE MONITORING/RECORDING
We may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by
applicable law.
9. AMENDMENT AND CANCELLATION
We may amend or change the terms of this Agreement at any time, subject to applicable law. You will be notified of any change in
the manner required by applicable law. However, if the change is made for security purposes, we can implement such change
without prior notice.
10. ENGLISH LANGUAGE CONTROLS
Translations of this Agreement that may have been provided are for your convenience only and may not accurately reflect the
original
English meaning. The meanings of terms, conditions, and representations herein are subject to definitions and interpretations in
the English language.
11. WAIVER OF RIGHT TO TRIAL BY JURY
YOU AND WE ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A CONSTITUTIONAL RIGHT BUT MAY BE WAIVED IN
CERTAIN CIRCUMSTANCES. TO THE EXTENT PERMITTED BY LAW, YOU AND WE KNOWINGLY AND VOLUNTARILY WAIVE ANY
RIGHT TO TRIAL BY JURY IN THE EVENT OF LITIGATION ARISING OUT OF OR RELATED TO THIS AGREEMENT. THIS JURY
TRIAL WAIVER SHALL NOT AFFECT OR BE INTERPRETED AS MODIFYING IN ANY FASHION THE DISPUTE CLAUSE SET FORTH
IN THE FOLLOWING SECTION, IF APPLICABLE, WHICH CONTAINS ITS OWN SEPARATE JURY TRIAL WAIVER.
12. DISPUTE CLAUSE
We have put this Dispute Clause in question and answer form to make it easier to follow. However, this Dispute Clause is part of
this Agreement and is legally binding.
Background and Scope
Question
What is arbitration?
Short Answer
An
alternative to
court
Further Detail
In arbitration, a third party arbitrator ("Arbitrator") solves Disputes in
an informal hearing.
Question
Is it different
from court and
jury trials?
Short Answer
Yes
Further Detail
The hearing is private. There is no jury. It is usually less formal, faster
and less expensive than a lawsuit. Pre-hearing fact finding is limited.
Appeals are limited. Courts rarely overturn arbitration awards.
Question
Can you
opt-out of this
Dispute
Clause?
Short Answer
Yes, within
60 days
Further Detail
If you do not want this Dispute Clause to apply, you must send us a
signed notice within 60 calendar days after you purchase the Card.
You must send the notice in writing (and not electronically) to our
Notice Address, Attn: General Counsel. Provide your name, address
and Card number. State that you "opt out" of the dispute clause.
Question
What is this
Dispute
Clause about?
Short Answer
The parties'
agreement to
arbitrate
Disputes
Further Detail
Unless prohibited by applicable law and unless you opt out, you
and we agree that you or we may elect to arbitrate or require
arbitration of any "Dispute" as defined below.
Question
Who does the
Dispute
Clause cover?
Short Answer
You, us and
certain
"Related
Parties"
Further Detail
This Dispute Clause governs you and us. It also covers certain
"Related Parties": (1) our parents, subsidiaries and affiliates; (2) our
employees, directors, officers, shareholders, members and
representatives; and (3) any person or company that is involved in a
Dispute you pursue at the same time you pursue a related Dispute
with us.
Question
What Disputes
does the
Dispute
Clause cover?
Short Answer
All Disputes
(except
certain
Disputes
about this
Dispute
Clause)
Further Detail
This Dispute Clause governs all "Disputes" that would usually be
decided in court and are between us (or any Related Party) and you.
In this Dispute Clause, the word "Disputes" has the broadest
reasonable meaning. It includes all claims even indirectly related to
your Card or this Agreement. It includes claims related to the validity
in general of this Agreement. However, it does not include disputes
about the validity, coverage or scope of this Dispute Clause or
any part of this Dispute Clause. (This includes a Dispute about
the rule against class arbitration.) All such disputes are for a
court and not an Arbitrator to decide.
Question
Who handles
the
arbitration?
Short Answer
Usually AAA
or JAMS
Further Detail
Arbitrations are conducted under this Dispute Clause and the rules of
the arbitration administrator in effect when the arbitration is started.
However, arbitration rules that conflict with this Dispute Clause do not
apply. The arbitration administrator will be either:
If all the above options are unavailable, a court will pick the
administrator. No arbitration may be administered without our
consent by any administrator that would permit a class
arbitration under this Dispute Clause. The arbitrator will be selected
under the administrator's rules. However, the arbitrator must be a
lawyer with at least ten years of experience or a retired judge unless
you and we otherwise agree.
Question
Can Disputes
be litigated?
Short Answer
Sometimes
Further Detail
Either party may bring a lawsuit if the other party does not demand
arbitration. We will not demand arbitration of any lawsuit you bring as
an individual action in small-claims court. However, we may demand
arbitration of any appeal of a small-claims decision or any
small-claims action brought on a class basis.
Question
Are you giving
up any rights?
Short Answer
Yes
Further Detail
For Disputes subject to this Dispute Clause, you give up your
right to:
We also give up the right to a jury trial and to have courts decide
Disputes you wish to arbitrate.
Question
Can you or another
consumer
start a class
arbitration?
Short Answer
No
Further Detail
The Arbitrator is not allowed to handle any Dispute on a class or representative basis. All Disputes subject to this Dispute Clause
must be decided in an individual arbitration or an individual
small-claims action. This Dispute Clause will be void if a court rules
that the Arbitrator can decide a Dispute on a class basis and the
court's ruling is not reversed on appeal.
Question
What law
applies?
Short Answer
The Federal
Arbitration
Act ("FAA")
Further Detail
This Agreement and the Cards involve interstate commerce. Thus, the
FAA governs this Dispute Clause. The Arbitrator must apply
substantive law consistent with the FAA. The Arbitrator must honor
statutes of limitation and privilege rights. Punitive damages are
governed by the constitutional standards that apply in judicial
proceedings.
Question
Will anything I
do make this
Dispute
Clause
ineffective?
Short Answer
No
Further Detail
This Dispute Clause stays in force even if: (1) you or we end this
Agreement; or (2) we transfer or assign our rights under this
Agreement.
Process
Question
What must a
party do
before starting
a lawsuit or
arbitration?
Short Answer
Send a
written
Dispute
notice and
work to
resolve the
Dispute
Further Detail
Before starting a lawsuit or arbitration, the complaining party must give
the other party written notice of the Dispute. The notice must explain
in reasonable detail the nature of the Dispute and any supporting
facts. If you are the complaining party, you must send the notice in
writing (and not electronically) to our Notice Address, Attn: General
Counsel. You or an attorney you have personally hired must sign the
notice and must provide the Card number and a phone number where
you (or your attorney) can be reached. A letter from us to you will
serve as our written notice of a Dispute. Once a Dispute notice is sent,
the complaining party must give the other party a reasonable
opportunity over the next 30 days to resolve the Dispute on an
individual basis.
Question
How does an
arbitration
start?
Short Answer
Mailing a
notice
Further Detail
If the parties do not reach an agreement to resolve the Dispute within
30 days after notice of the Dispute is received, the complaining party
may commence a lawsuit or an arbitration, subject to the terms of this
Dispute Clause. To start an arbitration, the complaining party picks the
administrator and follows the administrator's rules. If one party begins
or threatens a lawsuit, the other party can demand arbitration. This
demand can be made in court papers. It can be made if a party begins
a lawsuit on an individual basis and then tries to pursue a class action.
Once an arbitration demand is made, no lawsuit can be brought and
any existing lawsuit must stop.
Question
Will any
hearing be
held nearby?
Short Answer
Yes
Further Detail
The Arbitrator may decide that an in-person hearing is unnecessary
and that he or she can resolve a Dispute based on written filings
and/or a conference call. However, any in-person arbitration hearing
must be held at a place reasonably convenient to you.
Question
What about
appeals?
Short Answer
Very limited
Further Detail
Appeal rights under the FAA are very limited. The Arbitrator's award
will be final and binding. Any appropriate court may enter judgment
upon the arbitrator's award.
Arbitration Fees and Awards.
Question
Who bears
arbitration fees?
Short Answer
Usually, we do.
Further Detail
We will pay all filing, administrative, hearing and Arbitrator fees if you
act in good faith, cannot get a waiver of such fees and ask us to pay.
Question
When will we
cover your
legal fees and
costs?
Short Answer
If you win
Further Detail
If you win an arbitration, we will pay the reasonable fees and costs for
your attorneys, experts and witnesses. We will also pay these
amounts if required under applicable law or the administrator's rules or
if payment is required to enforce this Dispute Clause. The Arbitrator
shall not limit his or her award of these amounts because your Dispute
is for a small amount.
Question
Will you ever
owe us for
arbitration or
attorneys'
fees?
Short Answer
Only for bad
faith
Further Detail
The Arbitrator can require you to pay our fees if (and only if): (1) the
Arbitrator finds that you have acted in bad faith (as measured by the
standards set forth in Federal Rule of Civil Procedure 11(b)); and (2)
this power does not make this Dispute Clause invalid.
Question
Can an award
be explained?
Short Answer
Yes
Further Detail
A party may request details from the Arbitrator, within 14 days of the
ruling. Upon such request, the Arbitrator will explain the ruling in
writing
This Card is issued by MetaBank, Member FDIC, pursuant to license by MasterCard International, Incorporated.
5501 S. Broadband Lane
Sioux Falls, SD 57108
For Customer Service Inquiries:
Customer Service
10615 Professional Circle, Suite 102
Reno NV 89521
877-357-4975
www.omnicard.com
© 2016 MetaBank
PRIVACY
METABANK PRIVACY POLICY
Rev. 07/2016
FACTS
WHAT DOES METABANK DO
WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal
information. Federal law gives consumers the right to limit some but
not all sharing. Federal law also requires us to tell you how we collect,
share, and protect your personal information. Please read this notice
carefully to understand what we do.
What?
The types of personal information we collect and share depend on the
product or service you have with us. This information can include:
How?
All financial companies need to share customers' personal information
to run their everyday business. In the section below, we list the
reasons financial companies can share their customers' personal
information; the reasons MetaBank chooses to share; and whether you
can limit this sharing.
Reasons we can share your personal information
For our everyday business purposes –
such as to process your transactions,
maintain your account(s), respond to court
orders and legal investigations, or report to
credit bureaus
Does MetaBank share?
Yes
Can you limit this sharing?
No
Reasons we can share your personal information
For our marketing purposes –
to offer our products and services to you
Does MetaBank share?
Yes
Can you limit this sharing?
No
Reasons we can share your personal information
For joint marketing with other financial
institutions
Does MetaBank share?
Yes
Can you limit this sharing?
No
Reasons we can share your personal information
For our affiliates' everyday business
purposes –
information about your transactions and
experiences
Does MetaBank share?
Yes
Can you limit this sharing?
No
Reasons we can share your personal information
Does MetaBank share?
Can you limit this sharing?
Reasons we can share your personal information
For our affiliates' everyday business
purposes –
information about your creditworthiness
Does MetaBank share?
No
Can you limit this sharing?
We don't share
Reasons we can share your personal information
For our affiliates to market to you
Does MetaBank share?
No
Can you limit this sharing?
We don't share
Reasons we can share your personal information
For nonaffiliates to market to you
Does MetaBank share?
No
Can you limit this sharing?
We don't share
Questions?
Call 844-855-5628
Who we are
Who is providing this
notice?
MetaBank, the issuer of your card
What we do
How does MetBank protect
my personal information?
To protect your personal information from unauthorized
access and use, we use security measures that comply
with federal law. These measures include computer
safeguards and secured files and buildings.
How does MetaBank collect
my personal information?
We collect your personal information, for example, when
you:
We also collect your personal information from others,
such as credit bureaus, affiliates, or other companies.
Why can't I limit all
sharing?
Federal law gives you the right to limit only:
State laws and individual companies may give you
additional rights to limit sharing. See below for more on
your rights under state law.
Definitions
Affiliates
Companies related by common ownership or control.
They can be financial and nonfinancial companies.
Nonaffiliates
Companies not related by common ownership or control.
They can be financial and nonfinancial companies.
Joint Marketing
A formal agreement between nonaffiliated financial
companies that together market financial products or
services to you.
Other Important Information
CA residents: MetaBank will limit sharing with its affiliates to the extent required by
California law. MetaBank will not share your personal information for joint marketing with
other financial institutions.
VT residents: If MetaBank shares your personal information for joint marketing with
other financial institutions, it will share only your name, contact information, and
information about your transactions.
NV residents: We are providing this notice pursuant to Nevada law.
BLACKHAWK NETWORK, INC. PRIVACY POLICY
Blackhawk Short-Form Privacy Notice
Rev. 07/2016
FACTS
WHAT DOES BLACKHAWK DO
WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal
information. Federal law gives consumers the right to limit some but
not all sharing. Federal law also requires us to tell you how we collect,
share, and protect your personal information. Please read this notice
carefully to understand what we do.
What?
The types of personal information we collect and share depend on the
product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your
information as described in this notice.
How?
All financial companies need to share customers' personal information
to run their everyday business. In the section below, we list the
reasons financial companies can share their customers' personal
information; the reasons Blackhawk chooses to share; and whether you
can limit this sharing.
Reasons we can share your personal information
For our everyday business purposes –
such as to process your transactions,
maintain your account(s), respond to court
orders and legal investigations, or report to
credit bureaus
Does Blackhawk share?
Yes
Can you limit this sharing?
No
Reasons we can share your personal information
For our marketing purposes –
to offer our products and services to you
Does Blackhawk share?
Yes
Can you limit this sharing?
No
Reasons we can share your personal information
For joint marketing with other financial
institutions
Does Blackhawk share?
Yes
Can you limit this sharing?
No
Reasons we can share your personal information
For our affiliates' everyday business
purposes –
information about your transactions and
experiences
Does Blackhawk share?
Yes
Can you limit this sharing?
No
Reasons we can share your personal information
For our affiliates' everyday business
purposes –
information about your creditworthiness
Does Blackhawk share?
No
Can you limit this sharing?
We don't share
Reasons we can share your personal information
For our affiliates to market to you
Does Blackhawk share?
No
Can you limit this sharing?
We don't share
Reasons we can share your personal information
For nonaffiliates to market to you
Does Blackhawk share?
No
Can you limit this sharing?
We don't share
Questions?
Call 844-855-5628
Who we are
Who is providing this
notice?
Blackhawk Network, Inc. ("Blackhawk"), which provides
certain services in connection with your card account.
What we do
How does Blackhawk
protect my personal
information?
To protect your personal information from unauthorized
access and use, we use security measures that comply
with federal law. These measures include computer
safeguards and secured files and buildings.
How does Blackhawk
collect my personal
information?
We collect your personal information, for example, when
you:
We also collect your personal information from others,
such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
Definitions
Affiliates
Companies related by common ownership or control.
They can be financial and nonfinancial companies.
Nonaffiliates
Companies not related by common ownership or control.
They can be financial and nonfinancial companies.
Joint Marketing
A formal agreement between nonaffiliated financial
companies that together market financial products or
services to you.
Other Important Information
CA residents: Blackhawk will limit sharing with its affiliates to the extent required by
California law. Blackhawk will not share your personal information for joint marketing
with other financial institutions.
VT residents: If Blackhawk shares your personal information for joint marketing with
other financial institutions, it will share only your name, contact information, and
information about your transactions.
NV residents: We are providing this notice pursuant to Nevada law.
Blackhawk Consumer Privacy Policy
Last Updated: 06/2016
Introduction and Scope of Practices.
This Privacy Policy ("Policy") applies to Blackhawk Network Holdings, Inc. ("Blackhawk," "we," "us," or "our") and its
affiliates and
subsidiaries worldwide, including, but not limited to, Blackhawk Network, Inc., Blackhawk Network California, Inc., Blackhawk
Engagement
Solutions, Inc., Cardpool, Inc., CardLab, Inc., GiftCards.com, LLC, and Omni Prepaid, LLC. The Policy applies any time you deal
with
Blackhawk, whether in person, by telephone, by mail, or at any online or mobile site or application that we own and control
("Site"). The
only exception to this is if different practices are provided and state that they apply instead of this Policy.
This Policy explains:
Sometimes, we appear on a site owned by a third party (like a Blackhawk page or handle on a social media site) or link to a
third party site.
When we do, that third party's privacy policies and terms of use, not ours, will apply unless you are told otherwise. Also, some
of
Blackhawk's services ("Services") are offered through banks or other financial institutions. In those cases, the third parties'
policies will
govern their use of consumer data.
Types of Information We Collect
Personally Identifiable Information ("PII").
PII means information or a combination of information that can be used to identify,
contact, or
locate a specific person. We may collect the following types of PII from you:
Sometimes, we may combine PII you provide with information from third-party sources. For example, we may confirm your address
with the
postal service or verify your personal information with a credit-reporting agency. We will treat the combined information in
accordance with
the terms of this Policy.
Other Information ("OI").
OI is any information other than PII that does not reveal your identity or directly relate to a
person. We may
collect the following OI from you:
OI may also include PII we have de?identified or aggregated to the point where it no longer identifies a particular individual.
If we ever
combine OI with any PII, we treat it as PII is treated under this Policy. In some jurisdictions, some OI may be considered PII
by law. In those
cases, we will treat the information as PII is treated under this Policy.
How We Collect Personally Identifiable Information
We collect PII when you provide it to us. This can occur when you fill out applications, create accounts, send in forms, take
surveys, or fill
in various online fields on our Sites. We also collect PII when you contact us with inquiries, customer support requests, or
employment
applications.
We may also collect the PII of third parties when you provide it to us. If you choose to use our service to send a gift to a
friend or register a
family member for an account, we will ask you for their name and address or email address. Blackh