PRIVACY DISCLOSURE
This Privacy Disclosure explains the privacy policies of MetaBank and Ready Financial Group ("Ready") with respect to the READYdebit Visa Prepaid Card program. We are committed to protecting our customers’ privacy and security. This disclosure explains what information we collect about you, with whom we share it, and how you can direct us not to share certain information with certain parties.
DEFINITIONS
- We, our, and us, means MetaBank and Ready, the marketer for your READYdebit card issued by MetaBank.
- You and your, means customers or former customers with a READYdebit card issued by MetaBank, as well as any consumers who apply for a READYdebit
card issued by MetaBank.
- Nonpublic personal information, means information about you that we collect in connection with providing a financial product or service to you.
Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government
records. Hereafter we will use the term "information" to mean nonpublic personal information as defined by this section.
- Affiliate, means a company MetaBank or Ready owns or controls, a company that owns or controls MetaBank or Ready, or a company that is
owned or controlled by the same company that owns or controls MetaBank or Ready. Ownership does not mean complete ownership, but means
enough to have control.
- Nonaffiliated third party, means a person not employed by MetaBank or Ready or a company that is not an affiliate of MetaBank or Ready.
- Opt out, means a choice you can make to prevent certain sharing or use of information. We will explain how you can exercise this choice.
INFORMATION WE COLLECT AND DISCLOSE - We collect and may disclose the following information about you:
- Information you provide on applications or other forms, such as name, address, e-mail address, social security number, telephone number, and date of birth;
- Information about your transactions with us, our affiliates, or other parties, such as card balance, payment history, parties to transactions, and card usage; and
- Information we receive from a consumer reporting agency, such as verification of your identity, creditworthiness and credit history.
We may also collect and disclose information about how users use our Web site, for example, by tracking unique views received by pages of the Web site or the domains from which users originate. This information is not personally identifiable. We may also use "cookies" to track returning users to our Web site. A cookie is a piece of software that a Web server can store on the users' PCs and use to identify the users should they visit the Web site again. Information collected may be associated with nonpublic personal information users provide us through our Web site.
INFORMATION WE SHARE WITH SERVICE PROVIDERS OR JOINT MARKETERS - We may disclose all of the information we collect, as described above, to companies (including affiliates) that perform services on our behalf, including those who assist us in responding to customer inquiries. We may provide that information, except for information from consumer reporting agencies, to others who perform marketing services for us and to financial institutions that are not our affiliates with whom we jointly offer financial products or services. You do not have the right to opt out of the disclosure of this information.
INFORMATION WE SHARE WITH AFFILIATES AND NONAFFILIATED THIRD PARTIES - Our respective affiliates include nonfinancial companies, and may include financial service providers, such as insurance companies. In addition to the information we share with affiliates that provide services to us, we may share information described above among our respective affiliates in order to provide you with information about additional products and services. Additionally, we may disclose information to third parties who do not belong to our corporate family. These nonaffiliated third parties may include financial services providers, such as mortgage and insurance companies; nonfinancial companies, such as direct marketers, retailers and publishers; and others, such as nonprofit organizations.
You have the choice to opt out from our sharing of information with these companies although we may still disclose your information as permitted or required by law. You may opt-out by calling (866) 465-1645 or by writing to us at Ready Financial Group, P.O. Box 7554, Boise ID 83707.
INFORMATION SECURITY - We restrict access to nonpublic personal information about you to our employees who have a need to know such information (e.g., to process your transactions). We train our employees on the importance of customer privacy and confidentiality. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard the nonpublic personal information of our customers.
PRIVACY PRACTICES OF THIRD PARTIES - Our website may feature links to third-party sites that offer goods, services, or information. We are not responsible for content or privacy policies or practices of any advertisers or linked sites of any third parties. We encourage you to review their privacy policy before providing them with any personal information. Third party sites may collect and use information about you in a way that is different from this policy.
ACCESS OR CORRECT YOUR INFORMATION - You can access most of your nonpublic personal information that we collect online and maintain at www.readydebit.com. You can correct factual errors in your nonpublic personal information by contacting us at the number or address listed above.
CHANGES TO THIS PRIVACY DISCLOSURE - We may change our Privacy Disclosure from time to time. We will provide current customers with a revised disclosure that describes the new practices as required by law.
SPECIAL NOTICE FOR CALIFORNIA AND VERMONT RESIDENTS - In order to comply with California and Vermont laws, we are required to obtain your consent before sharing information about you with others. We will not share information we collect about you with affiliates and non-affiliated third parties, unless otherwise permitted by law.