eMoneyUSA

PRIVACY POLICY

Effective as of November 6, 2023

Introduction

eMoneyUSA Holdings, LLC (“eMoney,” “we,” “our,” or “us”) respects the privacy of your information. This Privacy Policy is designed to assist you in understanding how we collect, use, share, and safeguard your information. This Privacy Policy applies to individuals who access this website (collectively, “Site”) and any of our online services (collectively, “Services”).

From time to time, we may change this Privacy Policy. If we do, we will post an amended version on this webpage. Please review this Privacy Policy periodically.

If you have a consumer financial product or service with us, we will use and share any information that we collect from or about you in accordance with our U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.

This Privacy Policy covers the following topics:

Personal Data We Collect
How We Use Your Personal Data
How We Share Your Personal Data
Cookies and Other Tracking Technologies
Do Not Track Signals
Security
Third Party Links
Children’s Privacy
Accessibility
How to Contact Us

1. Personal Data We Collect

We collect personal data from you through your use of the Site and Services. Personal data is information that is linked or reasonably linkable to an identified or identifiable individual. We collect the following types of personal data:

Personal Data You Provide

Depending on how you interact with our Site and Services, we will collect the following personal data that you voluntarily provide to us for the following purposes:

Sign In. When you sign into your account, you will provide us with your login credentials.
Apply Now. If you apply for a loan, you will provide us with your email address, name, social security number, mobile phone number, home phone number, work phone number, address, date of birth, employer name, banking information, and income information.
Contact Us. If you contact us, you will provide us with your name, email address, and any other information you choose to provide in your message.
Chat. If you use our chat feature, you will provide your name, phone number, email address, and any information you choose to provide in your message. Our chat feature is provided by Olark. Olark may collect, record, and store the information you provide in the chat. Please review Olark’s privacy policy here.
Careers. If you apply for a job with us, you will provide us with your name, email address, phone number, employment history, and any other information you choose to provide in your application.

You may use your account to access, correct, or view certain personal data we have collected and which is associated with your account. To review or request changes to any of your personal data, please contact us at [email protected].

Personal Data as You Navigate Our Sites

We automatically collect certain personal data through your use of our Sites and our use of cookies and other tracking technologies, such as the following:

Usage Information. For example, the pages on the Sites you access, the frequency of access, and what you click on while on the Sites
Device Information. For example, hardware model, operating system, application version number, and browser.
Mobile Device Information. Aggregated information about whether the Sites are accessed via a mobile device or tablet, the device type, and the carrier.
Location Information. Location information from Site visitors on a city-regional basis.

For more information on our cookie usage see our “Cookies and Other Tracking Technologies” section below.

Personal Data We Collect About You from Other Sources

In some cases, we may receive personal data about you from other sources. This includes government entities, advertising networks, data brokers, operating systems and platforms, mailing list providers, social networks and advertising and marketing partners.

2. How We Use Your Personal Data

In addition to the purposes stated above, we may use all the personal data we collect in accordance with applicable law such as to:

Maintain and improve our Sites and Services;
Protect the security and integrity of our Sites and Services;
Investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of our Terms of Use, and to otherwise fulfill our legal obligations;
Monitor compliance with and enforce this Privacy Policy and any applicable agreements and policies;
Defend our legal rights and the rights of others;
Fulfill any other purposes for which you provide it; For any purpose that is reasonably necessary to or compatible with the original purpose for which we collected the personal data as disclosed to you; and
Comply with applicable law.

3. How We Share Your Personal Data

We may share the personal data that we collect about you in the following ways:

With vendors who perform data or Site-related services on our behalf (e.g., email, hosting, maintenance, backup, analysis, etc.);
To the extent that we are required to do so by law;
In connection with any legal proceedings or prospective legal proceedings;
To establish, exercise, or defend our or a third party’s legal rights, including providing information to others for the purposes of fraud prevention;
With any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal data where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal data;
With any other person or entity as part of any business or asset sale, equity transaction, merger, acquisition, bankruptcy, liquidation, or similar proceeding, or in preparation for any of these events;
With any other person or entity where you consent to the disclosure; and
For any other purpose disclosed by us when you provide the personal data or for any other purpose we deem necessary, including to protect the health or safety of others.
No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. Information sharing with subcontractors for support services, such as customer service, is permitted.

4. Cookies and Other Tracking Technologies

How We Use Cookies

Like many other companies, we use cookies and other tracking technologies (collectively, “Cookies”). Cookies are small files of information that are stored by your web browser software on your computer hard drive, mobile or other devices (e.g., smartphones or tablets).

We use Cookies to:

Estimate audience size and usage patterns;
Understand and save your preferences for future visits, allowing us to customize the Sites and Services to your individual needs;
Advertise new content and services that relate to your interests;
Keep track of advertisements and search engine results;
Compile aggregate data about site traffic and site interactions to resolve issues and offer better site experiences and tools in the future; and
Recognize when you return to the Sites.

We set some Cookies ourselves, while separate entities set other Cookies. We use Cookies other entities set to provide us with useful information, to help us improve our Sites and Services, to conduct advertising, and to analyze the effectiveness of advertising.

How You Can Opt Out of Cookies

You can block Cookies by changing your Internet browser settings to refuse all or some Cookies. If you choose to block all Cookies (including essential Cookies) you may not be able to access all or parts of the Site.

You can find out more about Cookies and how to manage them by visiting www.AboutCookies.org or www.allaboutcookies.org.

Platform Controls

You can opt out of Cookies set by specific entities by following the instructions found at these links:

Google: https://adssettings.google.com
Advertising Industry Resources

You can understand which entities have currently enabled Cookies for your browser or mobile device and how to opt out of some of those Cookies by accessing the Network Advertising Initiative’s website or the Digital Advertising Alliance’s website. For more information on mobile specific opt-out choices, visit the Network Advertising Initiative’s Mobile Choices website.

Please note these opt-out mechanisms are specific to the device or browser on which they are exercised. Therefore, you will need to opt out on every browser and device that you use.

5. Do Not Track Signals

Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, the Site does not currently interpret, respond to or alter its practices when it receives “Do Not Track” signals.

6. Security

We maintain commercially reasonable security measures to protect the personal data we collect and store from loss, misuse, destruction, or unauthorized access. However, no security measure or modality of data transmission over the Internet is 100% secure. Although we strive to use commercially acceptable means to protect your personal data, we cannot guarantee absolute security.

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