Bank Freedom Privacy Disclosure

At Bank Freedom we recognize that the trust of our customers is one of our most important assets. As such, our primary goal is to deliver innovative payment products and world-class service while ensuring the integrity and sanctity of our customer's privacy. The following outlines some of the steps that we take on a daily basis to ensure that our customer's information is secure, private, and used only in a manner consistent with our customers' wishes. This privacy policy extends to all prepaid card services managed by Bank Freedom.

Safeguards we Take - We will safeguard, according to our standards of security and confidentiality, any and all information our customers share with us. Bank Freedom uses advanced security processes and technology designed to keep your information secure. In particular, we have strict policies regarding information that is used by our employees and partners to ensure your information is kept secure.

Data Collected - We collect nonpublic personal information about you from the following sources: (i) Information we receive from you on applications or other forms, (ii) Information about your transactions with us, or others such as your account balance, transaction history, parties to transactions and Prepaid Card usage, and (iii) Information we received from third parties, including government agencies, consumer-reporting agencies such as your tax identification number and credit worthiness and credit history. We advise our customers about the general uses of the information we collect about them, and we will gladly and promptly provide additional explanation if our customers request it.

Access To Information – We will permit only authorized employees, who are properly trained in the appropriate handling of sensitive customer information, to have access to that information, and only if required by their business responsibilities. Employees who violate our Privacy Policy are subject to our disciplinary process, up to and including termination.

Opt Out - We give our customers choices as to how their information is used, if at all. We provide our customers with the opportunity to remove their names used for mail, telephone or online marketing upon initial customer contact and subsequently on an annual basis. This opt out choice includes products and services offered by Bank Freedom and our affiliate marketing partners, and customers may opt out by contacting us via U.S. mail at:

Bank Freedom
17595 Harvard Suite C, #3250
Irvine, CA 92614
or telephone at (877) 237-6262.

Disclosure - We may disclose aggregate information about our customers and former customers to third parties with whom we may have a marketing agreements, or those companies who perform marketing services on our behalf. This includes all information we may collect directly or indirectly from you.

Limited Release of information - Except as outlined in this Privacy Policy, we limit the release of customer information. In addition to providing our customers with the opportunity to opt out of marketing offers, we release information only with the customer's consent or request, or when we are required to do so by law or other regulatory authority. When a court order or subpoena requires us to release customer information, we notify the customer promptly in order to provide the customer with the opportunity to exercise their legal rights. The only exception to this policy is when we are prohibited from notifying the customer by law or due to a court order, or in cases in which fraud, money laundering and/or criminal or illegal activity is suspected.

Response and Explanation – We quickly respond to our customer's requests for explanation. In the event that we deny service or choose to end a customer's relationship, and to the extent permitted by applicable laws, we will provide a prompt and detailed explanation if requested.

Privacy Policy Changes – We will notify our customers in the event that our privacy policy changes. If our privacy policy is modified, we will attempt to notify our customers of these changes via email, U.S. mail or via telephone. Customers will continue to have a choice as to whether or not they allow us to use their information in this different manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our web site (www.bankfreedom.com) notifying users of said change(s). In some cases where we post the notice we will also email users, who have opted to receive communications from us, notifying them of the changes in our privacy practices.

Updating customer information. Should customers need to update any information they have previously supplied, they may contact Bank Freedom Customer Service at 1-877-237-6262 at anytime or email at customersupport at bankfreedom.com.

If you wish to opt out of and our partner's, marketing offers, please contact us via U.S. mail at the following address:

Bank Freedom
17595 Harvard Suite C, #3250
Irvine, Ca. 92614

E-Sign Act Consent – By providing my personal contact information and clicking 'Get Card Now', 'Finish', 'Submit', 'Open Card Account', 'Open Account', 'Open Card Account And Get Card Now', I give my express consent to electronic delivery of future disclosures, annual notices, and marketing communications. Future disclosures and notices will not be distributed on paper unless you contact us and request a paper version. You must update us with any change in your e-mail address. You may at any time withdraw your consent to receive disclosures and notices electronically. You also consent to receiving marketing communications via direct mail, email, telephone, pre-recorded message, text message, and instant message from Bank Freedom. To change my communication preferences, change my e-mail address, or to discontinue receiving any messages, I may visit www.bankfreedom.com or call 877-237-6262 at any time.

Cookies – Our website requires the use of cookies, pieces of information that a website places in a file associated with our customer's may be used to deliver content specific to their interests and for other purposes, such as security and other account administrative functions. For example, cookies are used to store customer preferences for certain types of information so that they do not have to input it every time they visit our site. Our cookies are encrypted and do not contain nor track personal identifying information; none will contain information that will enable anyone to contact our customers via telephone, e-mail or any other means.
Bank Freedom cannot control merchant sites use of cookies or be held responsible for those merchant's policies regarding the use of cookies.

We may collect "referrer" information, IP addresses, and various environmental variables.

Information the Web browser passes along to Web server that references the URL from which the customer came.

"IP address" is a number used by computers on the network to identify the customer's computer so that data can be transmitted to them.

"Environmental variables" include, among other things, the domain from which customers access the Internet, the time they accessed our Web site, type of Web browsers and operating system or platform used, the Internet address of the Web site they left to visit, the names of the pages they visit while at our Web site, and the Internet address of the Web site they subsequently visit.

This information is collected to enhance web site security and to detect broad member trends.

Security – The Bank Freedom website has security measures in place to protect the loss, misuse and alteration of the information under its control. All personal and account activity information collected on and used by the www.bankfreedom.com and other supported customer service web sites are not accessible by the public or via the Internet. All accesses to our databases wherein personal information are kept are logged for security purposes and access is limited to key personnel. All personal information, account activity and purchasing activities are protected via user names and passwords. All user-specific activities (those that are accessed during and after a user logs-in with their user name and password) are protected using a secure communications encryption technology called SSL.

SSL (Secure Socket Layer) is a security feature that creates an encrypted connection between the client (your computer) and our server (www.Bank FreedomCard.com), which prevents the interception and inappropriate use of this critical data. Transactions through a server using SSL are far safer than using a credit card at other retail establishments. It is much easier for credit card thieves to sift through trashcans at banks or retailers than to harness the genius and super computing power necessary to decrypt the small bits of secure data transmitted during an SSL connection. The point is that our customer's greatest risk for exposure of personal or financial information and transactions is NOT the use of properly secured sites such as www.Bank FreedomCard.com, but rather from information made available by their everyday activities.

The Bancorp Bank Privacy Disclosure

Your account with Bank Freedom Prepaid MasterCard is issued and operated by The Bancorp Bank and is governed by The Bancorp Bank's privacy practices.

Questions?
Call us, toll-free, at 1-877-237-6262 email us at
support@bankfreedom.com or visit us at
http://www.bankfreedom.com

E-Sign Disclosure and Consent – This E-Sign Disclosure and Consent (“Disclosure”), applies to all Communications for those products and services offered through www.bankfreedom.com that are not otherwise governed by the terms and conditions of an electronic disclosure and consent. 

The words “we,” “us,” and “our” refer to Bank Freedom 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:

• All legal and regulatory disclosures and communications associated with the product or service available through www.bankfreedom.com for your Account
• Notices or disclosures about a change in the terms of your Account or associated payment feature and responses to claims
• Privacy policies and notices

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 in electronic form by contacting us at 1-877-237-6262.  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 www.bankfreedom.com will 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. 

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 www.bankfreedom.com or by contacting us at 1-877-237-6262.

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;
• an e-mail account with an Internet service provider and e-mail software in order to participate in our electronic Communications programs;
• a personal computer (for PC’s:  Pentium 120 MHz or higher; for Macintosh, Power Mac 9500, Power PC 604 processor:  120-MHz Base or higher), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above.

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 us by logging in to www.bankfreedom.com and send a paper copy request using your Secure Inbox.  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 selecting "Finish" on the Account Sign Up page 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.

The featured words and symbols used to identify the source of goods and services may be the trademarks of their respective owners.