Privacy Policy
At ICUL Service
Corporation (referred to as “LSC,” “us” or “we”), we recognize that your
privacy is important. This Policy discloses the privacy practices for the cumoney.com
website and mobile app (collectively, the “Site”), as well as related products
and services we may offer to you (collectively referred to as the “Services”).
This Policy also covers how personal and other information that we receive or
collect about you is treated. Please read the information below to learn the
following regarding your use of this Site.
You acknowledge
that this Privacy Policy is designed to be read in connection with any
applicable terms and conditions, including cardholder agreements or credit
union agreements, as applicable, and that by accessing or using our Site, you
agree to be bound by the applicable terms and conditions, as well as this
Policy.
We reserve the
right to change this Privacy Policy from time to time. We will notify you about
significant changes in the way we treat personal information by placing a
prominent notice on our site, and by updating any privacy information on this
page. Your continued use of the Site and or Services available through this
Site after such modifications will constitute your: (a) acknowledgment of the
modified Policy; and (b) your agreement to abide and be bound by that Policy.
If you have any
questions about this Policy, please feel free to contact us at: [email protected].
IMPORTANT: BY
USING THE SITE AND/OR OFFERINGS AVAILABLE ON THIS SITE, YOU GIVE YOUR CONSENT
THAT ALL PERSONAL DATA THAT YOU SUBMIT MAY BE PROCESSED BY US IN THE MANNER AND
FOR THE PURPOSES DESCRIBED BELOW. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS,
DO NOT USE THE SITE.
1. Types of Information We Collect
In order to
better provide you with prepaid card services, we collect two types of
information about our users: Personally Identifiable Information (“PII”) and
Aggregate Information.
Personally Identifiable Information: This refers to information that
lets us know the specifics of who you are. When you engage in certain
activities on this Site, such as registering for an account or sending us
feedback, we may ask you to provide certain information about yourself.
Examples of PII
may include your first and last name, email address, mailing address (including
zip code), telephone numbers, card numbers, and other identifying information.
2. How We Collect and Use Information
We do not collect
any PII about you unless you voluntarily provide it to us. However, you may be
required to provide certain PII to us when you elect to use certain products or
services available on the Site. These may include: (a) registering for an
account on our Site; (b) sending us an email message; (c) submitting a form or
transmitting other information by telephone or letter; or (d) submitting your
credit card or other payment information when ordering and purchasing products
and services on our Site. When processing certain information, such as payment
information with affiliated banking institutions or payment processors, we
encrypt the transaction, using Secure Socket Layer (SSL) encryption technology,
in order to prevent your PII from being stolen or intercepted. Additionally,
your credit card information is encrypted and stored on a restricted-access
database that is away from our main Site and only accessible by authorized
users.
We will primarily
use your PII to provide product or service offerings to you. We will also use
certain forms of PII to enhance the operation of our Site, improve our internal
marketing and promotional efforts, statistically analyze Site use, improve our
product and service offerings, and customize our Site’s content, layout, and
services. We may use PII to deliver information to you and to contact you
regarding administrative notices. Finally, we may use your PII to resolve
disputes, troubleshoot problems and enforce our agreements with you, including your
cardholder agreement and this Privacy Policy.
3. Cookies
Depending on how
you use our Site, we may store cookies on your computer in order to collect
certain aggregate data about our users and to customize certain aspects of your
specific user experience. A cookie is a small data text file which is stored on
your computer that uniquely identifies your browser. Cookies may also include
more personalized information, such as your IP address, browser type, the
server your computer is logged onto, the area code and zip code associated with
your server, and your first name to welcome you back to our Site. We may use
cookies to perform tasks such as: monitoring aggregate site usage metrics,
storing and remembering your passwords (if you allow us to do so), storing
account and advertising preferences that you have set, and personalizing the
Services we make available to you. However, we do not use cookies to track your
browsing behaviors.
Most browsers are
initially set up to accept cookies, but you can reset your browser to refuse
all cookies or to indicate when a cookie is being sent. However, some aspects
of the Site may not function properly if you elect to disable cookies.
4. Release of Information
We will not sell,
trade, or rent your PII to others. We do provide some of our product and
service offerings through contractual arrangements made with affiliates,
service providers, partners and other third parties (“Service Partners”). We
and our Service Partners may need to use some PII in order to perform tasks
between our respective sites, or to deliver products or services to you. For
example, we must release your credit card information to the card-issuing bank
to confirm payment for products and services purchased on this Site and provide
order information to third parties that help us provide customer service.
We will encourage
our Service Partners to adopt and promote strong privacy policies. However, the
use of your PII by our Service Partners is governed the respective privacy policies
of those providers, and is not subject to our control. Except as otherwise
discussed in this Privacy Policy, this document only addresses the use and
disclosure of information we collect from you. We are not responsible for the
policies or practices of third parties.
Occasionally we
may be required by law enforcement or judicial authorities to provide PII to
the appropriate governmental authorities. In such cases, we will disclose PII
upon receipt of a court order, subpoena, or to cooperate with a law enforcement
investigation. We fully cooperate with law enforcement agencies in identifying
those who use our services for illegal activities. We reserve the right to
report to law enforcement agencies any activities that we in good faith believe
to be unlawful.
5. Updating and Correcting Information
We believe you
should have the ability to access and edit the PII that you have provided to
us. You may change any of your PII in your account online at any time by
linking to your account in accordance with instructions posted elsewhere on
this Site. You may also access and correct your personal information and
privacy preferences by emailing or writing us at:
1807 W. Diehl
Road
Naperville, IL 60563
Email: [email protected]
Please include
your name, address, and/or email address when you contact us.
We encourage you
to promptly update your PII if it changes. You may ask to have the information
on your account deleted or removed; however, some information, such as past
transactions, may not be deleted. In addition, it may be impossible to
completely delete your information without some residual information because of
backups.
6. Security of Your PII
At our Site you
can be assured that your PII is secure, consistent with current industry
standards. We strive to take appropriate security measures to protect against
unauthorized access to or unauthorized alteration, disclosure or destruction of
your PII. For example:
•
We
work hard to ensure that the data we collect is reliable, accurate, complete
and current. We encrypt all PII, in order to prevent unauthorized parties from
viewing such information when it is transmitted to us. We also only keep
collected information only for as long as reasonably necessary or required for
compliance reasons, and use it only for the purposes for which it was collected
or to comply with any applicable legal or ethical reporting or document
retention requirements.
•
We
limit access to PII only to specific employees, contractors and agents who have
a reasonable need to come into contact with your information. For example, we
may provide members of our technical support team with limited access to your
account in order to allow them to troubleshoot problems you may be having with
the Site.
•
Additionally,
we also employ a number of physical, electronic, and procedural safeguards to
protect PII. Our secure servers and our data centers are protected by
industry-standard encryption, and our servers reside behind firewalls and
employ high-level password protection.
•
Finally,
access by you to your PII is available through a password and unique customer
ID selected by you. This password is encrypted. We recommend that you do not
divulge your password to anyone.
In order to most
effectively serve you, credit card transactions and order fulfillment are handled
by established third party banking institutions and processing agents. They
receive the information needed to verify and authorize your credit card or
other payment information and to process and ship your order.
Unfortunately, no
data transmission over the Internet or any wireless network can be guaranteed
to be 100% secure. As a result, while we strive to protect your PII, you
acknowledge that: (a) there are security and privacy limitations inherent to
the Internet which are beyond our control; and (b) the security, integrity and
privacy of any and all information and data exchanged between you and us
through this Site cannot be guaranteed.
7. Miscellaneous
You must be at
least 18 years old to have our permission to use this Site. Our policy is that
we do not knowingly collect, use or disclose PII about minor visitors.
If you have any
questions, concerns or inquiries about our Privacy Policy, or our use of your
PII, or our privacy practices, please contact us at: [email protected]. You can also reach us by sending written
correspondence to:
1807 W. Diehl
Road
Naperville, IL 60563