We respect the privacy of our customers and are committed to protecting their information on our websites with the same care we use for all ClearBalance® transactions. This document outlines ClearBalance’s online privacy practices and applies to anyone who visits our websites (http://www.clearbalance.organd www.MyClearBalance.com). It explains how we may collect information from you online when you visit a ClearBalance® website and how we may protect and use that information. It does not apply to information collected from other sources, including off-line information collection. When we collect financial information from you for applying for or participating in the ClearBalance loan program, we will provide you with a financial privacy notice that describes the privacy practices of participating banks, including personal information that we collect for participating banks.
How We Collect Your Information
We collect personal information from you or about you when you provide this information to us directly. For example, we may obtain personal information when you request information regarding products or services from us, register on our website, respond to surveys, or otherwise interact with us. At MyClearBalance.com we collect information necessary for you to set up your online account, including name, address, billing address, telephone number(s), email address Social Security number, date of birth and financial account number(s). You can make credit card and debit card payments through MyClearBalance.com. The credit card information you submit in connection with making a payment in processed by our third party services provider that processes credit card and debit card payments on our behalf.
In addition, we may collect information about your activity on the website automatically using tracking technologies. See Online Tracking, below.
How We Use and Share Your Information
We may use and share information collected to:
• Respond to your inquiries and fulfill your requests;
• Allow you to manage your ClearBalance account;
• Send you important information regarding your ClearBalance account and the Site, changes to terms, conditions, and policies and/or other administrative information;
• Send you marketing communications that we believe may be of interest to you;
• Personalize your experience on the Site by presenting content, ads or offers tailored to you;
• Allow you to participate in surveys, contests and similar promotions and to administer these activities; for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns.
We will share personal information with third-party companies, organizations or individuals outside of Company if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to:
• Meet any applicable law, regulation, subpoena, legal process or governmental request.
• Enforce applicable Terms of Service, including investigation of potential violations.
• Detect, prevent, or otherwise address fraud, security or technical issues.
• Protect against harm to the rights, property or safety of Company, our users, customers or the public as required or permitted by law.
Transfer in the Event of Sale or Change of Control
We and certain trusted service providers operating on our behalf collect information about your activity on our website using automated tracking technologies, including:
Automatically Collected Information
When you visit our website, some information is automatically collected from you. This information may include, but is not limited to, some or all of the following items: your Internet Protocol (IP) address and/or domain; type and version of Internet browser software and operating system you use; your general location; date, time, and duration of your Site access; specific pages, buttons, images, videos, links, or forms that you access while visiting the Site; type of device (e.g. iPad, BlackBerry, iPhone, Android); mobile carrier and/or Internet Service Provider; and demographic information concerning the country of origin of your Computer and the language(s) used by it.
Information Collected via Cookies
Information Collected via Flash Objects and Other Similar Technology
In addition to using cookies, we and/or our third party advertising service providers may also use similar technologies to track users’ interactions with our Site. Some of these technologies include web beacons (transparent graphical images placed on a website), pixels, tags, and Flash objects (also referred to as “Local Shared Objects”). Please refer to your browser’s instructions to remove cached Sites, history, and images from your Computer. Deleting or disabling cookies will not remove Flash objects or Local Shared Objects. Instead refer to Adobe’s website for more information on how to control or disable these items. We may partner with third parties such as Google to deliver advertisements and monitor activities on our own website and other websites. We do not, however, track your online activities after you leave our site. We may monitor advertisement “click-throughs,” Web traffic, statistics, and/or other activities in order to improve browsing experiences on our website.
Access to Your Information and Choices
You can access and update certain information we have relating to your ClearBalance account by signing into your account at MyClearBalance.com and going to the account section of the Site. If you have questions about personal information we have about you or need to update your information, you can Contact Us or call us at (888) 334-4022. You can opt-out of receiving marketing and promotional e-mails from Company by using the opt-out or unsubscribe feature contained in the e-mails.
We use industry standard physical, technical and administrative security measures and safeguards to protect the confidentiality and security of your personal information. However, since the Internet is not a 100% secure environment, we cannot guarantee, ensure, or warrant the security of any information you transmit to us. There is no guarantee that information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. It is your responsibility to protect the security of your login information. Please note that e-mails and other communications you send to us through our Site are not encrypted, and we strongly advise you not to communicate any confidential information through these means.
No Information from Children Under the Age of 13
If you are under the age of 13, please do not attempt to register with us at this Site or provide any personal information about yourself to us. If we learn that we have collected personal information from a child under the age of 13, we will promptly delete that information. If you believe we have collected personal information from a child under the age of 13, please Contact Us or call us at (888) 334-4022.
If you provide your email address to us, or if we obtain it from another source, we may use it to respond or update you on your inquiries or to let you know about products and services that may be available to you. If we send you an email advertisement, it will include instructions on how to opt out of receiving such emails in the future. If you elect to opt out of receiving email advertisements, we may still send you emails about your account relationships with us. If your name was previously selected for any of our upcoming email offers, it is possible for you to receive information from ClearBalance up to 15 business days after your request has been submitted.
International Privacy Practices
Our Site is operated and managed on servers located and operated within the United States. By using and accessing our Sites, residents and citizens of countries and jurisdictions outside of the United States agree and consent to the transfer to and processing of personal information on servers located in the United States, and that the protection of such information may be different than required under the laws of your residence or location.
Questions and How to Contact Us
PO Box 927830
San Diego, CA 92192-7830
Last Revised: Sept. 2014