ReStore Card™ Prepaid MasterCard® Cardholder Agreement
ReStore Card™ Cash Back Rewards Official Rules
MetaBank Privacy Policy
Cardholder Agreement
IMPORTANT - PLEASE READ CAREFULLY
Terms and Conditions for the ReStore™ Assurant Specialty Property Prepaid MasterCard
This document constitutes the agreement (Agreement") outlining the terms and conditions under which the ReStore™ Assurant Specialty Property Prepaid MasterCard ("Card") has been issued to you. By accepting and using this Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement "You" and "your" mean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. "We", "us", "our", and "Bank" mean MetaBank, our successors, affiliates or assignees. The Card will remain the property of Bank and must be surrendered upon demand. The Card is non-transferable and non-refundable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference. Definitions The Card is a Prepaid Card loaded with a specific value redeemable at a merchant where MasterCard debit cards are accepted. The Card is not connected in any way to any other account. The Card is not a gift card, nor is it intended to be used for gifting purposes. The Card is not a credit card. You will not receive any interest on your funds on the Card. Our business days are Monday through Friday excluding holidays. Saturday, Sunday, and federal holidays are not considered business days, even if we are open. The funds on your Card will be FDIC insured provided your Card is registered. The funds on your card do not expire.
Upon the expiration of your Card, we will issue you either a new card or a check for the balance of your account at our discretion.
Authorized Users Other than the event where an additional card is required, you may not permit another person to have access to your Card or Card number. If you do provide access to your Card or Card number, you are liable for all transaction made with the Card or Card number by those persons. You must notify us to revoke permission for any person you previously authorized to use Card information or have access to your account. You are responsible for all transactions and fees incurred by you or any other person you have authorized. If you tell us to cancel another person's use of your Card or companion Card, we may revoke your Card and issue a new Card with a different number. You are wholly responsible for the use of each Card according to the terms of this Agreement subject to the "Your Liability" provisions and "Zero Liability" provisions below, and other applicable law.
Personal Identification Number ("PIN"): We may, at our option, give you a Personalized Identification Number ("PIN"). If we give you a PIN, you may use your Card, (i) to obtain Cash from any Automated Teller Machine ("ATM") or (ii) at any Point-of-Sale (POS) device which requires entry of a PIN, that bears the NYCE®, MasterCard®, Maestro®, or Cirrus® brand. All ATM transactions are treated as Cash withdrawal transactions. You should not write or keep your PIN with your Card. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately, following the procedures in the paragraph labeled "Your Liability for Unauthorized Transfers."
Money Being Added To Your Card: You may not add funds to your Card. However, the corporate sponsor from who you received your Card may add additional funds to your Card.
Using Your Card :You may use your Card to purchase or lease goods or services wherever the Card is honored as long as you do not exceed the value available on your Card. You will not be able to use your Card internationally. You are responsible for all transactions initiated by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called "split transactions." Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash.
The maximum balance on the Card cannot exceed $25,000.00 You may use your Card to access cash at Automated Teller Machines (ATM) to withdraw a maximum of $400 per day and with a maximum withdrawal limit of two times per day (maximum of $1000 per week and a maximum withdrawal limit of four times per week).
Should you wish to remove funds that have been loaded onto your Card, you may do so by initiating an electronic funds transfer to your bank account. Use of the Electronic Funds Transfer feature on the ReStore Mall site is governed by the general terms and conditions of the account specified by you in this form. This service is established solely for the convenience of the account owner and may be terminated or modified at any time without notice. The account owners release MetaBank and its affiliates, agents and representatives from all liability subject to applicable law and Paragraph 18 below, and agree to indemnify the same from any and all losses, damages or costs for acting in good faith in accordance with the privilege selected herein. In no event shall MetaBank or its affiliates, agents or representatives be liable for consequential damages. All terms shall be binding upon the heirs, representatives and assigns of the account owners. Subject to applicable law and paragraph 18 below, the account owners release MetaBank and its affiliates, agents or representatives in the event MetaBank makes an error which underpays/overpays their account. The account owners authorize MetaBank to debit or credit their account as necessary to correct any errors. In conducting an Electronic Funds Transfer, you agree to the following:
(a) The transfer may need to be confirmed by MetaBank and its agent, ReStore Card Services
(b) The transfer may take up to three (3) business days, weekends and holidays excluded
(c) The amount of the transfer may not exceed the current available balance of your Card
(d) Purchases or other transactions that cause the available balance to be reduced below the transfer request amount will cause the transfer to fail
(e) The financial institution holding the account to which you are transferring funds may impose fees for this type of transaction. We do not control and are not responsible for such fees or charges.
(f) Transfers may only be made to U.S. Financial Institutions and must comply with U.S. Laws.
(g) You are solely responsible for correctly identifying the account to which the funds are being transferred. We are not responsible for the misappropriation of funds due to account entry errors.
You should keep track of the amount of value loaded on Cards issued to you. You may also call us at the Customer Service number shown on your Card and listed below at any time to obtain the current value on your Card. To reach us, call toll-free 1-877-459-8738 for the balance. Our business hours are 24 hours a day 7 days a week excluding federal holidays.
Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction. You are not allowed to exceed the available amount on your Card through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card you shall remain fully liable to us for the amount of the transaction. We reserve the right to bill you for any negative balance. You agree to pay us promptly for the negative balance. We also reserve the right to cancel this Card should you create one or more negative balances with your Card.
Returns and Refunds : If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds. It may take up to seven (7) days for the amount of the refund to be credited to your Card.
MoneyPass : With MoneyPass you will never be charged a terminal transaction fee as long as you use one of the MoneyPass network terminal locations To find a MoneyPass ATM, visit http://www.moneypass.com to find the location nearest you or use the free MoneyPass ATM Locator application for your iPhone and iTouch and you're on your way to the nearest MoneyPass ATM.
Receipts : You should get a receipt at the time you make a transaction using your Card. You agree to retain your receipt to verify your transactions.
Periodic Statements : Statements in electronic format will be made available free of charge online as long as your Card is active. You may choose to have a paper statement mailed to you. However, there is a fee for this service. You may obtain information about the amount of money you have remaining in your card account by calling 1-877-459-8738. This information, along with a 60-day history of account transactions, is also available on-line at this site. You also have the right to obtain a sixty (60) day written history of account transactions by calling 1-877-459-8738 or by writing us at ReStore Payment Services, 117 Kendrick St, Suite 250, Needham, MA 02494.
Our Liability for Failure to Complete Transactions : In no event will we be liable for consequential damages (including lost profits), extraordinary damages, special or punitive damages. We will not be liable, for instance:
(1) If, through no fault of ours, you do not have enough funds available on your Card to complete the transaction;
(2) If a merchant refuses to accept your Card;
(3) If an ATM where you are making a cash withdrawal does not have enough cash;
(4) If an electronic terminal where you are making a transaction does not operate properly;
(5) If access to your Card has been blocked after you reported your Card lost or stolen;
(6) If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
(7) If we have reason to believe the requested transaction is unauthorized;
(8) If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken;
(9) If the transaction has failed due to an error by you, your financial institution, or the merchant with whom you have conducted business;
(10) Any other exception stated in our Agreement with you.
Liability for Unauthorized MasterCard Prepaid Card Transactions. Tell us, AT ONCE, if you believe your MasterCard prepaid card has been lost or stolen or of any unauthorized transactions. Your liability for unauthorized transactions that take place on the MasterCard system is Zero dollars ($0). We may require you to provide a written statement regarding claims of unauthorized transactions. These provisions limiting your liability do not apply to ATM, POS, Pinless, or any other debit transactions not processed by MasterCard. Telephoning toll-free at 1-877-459-8738 is the best way of keeping your possible losses down. You may not be liable for unauthorized use of your Card provided that you notify us within a reasonable time after learning of the loss or theft of your Card. In addition to this paragraph related only to MasterCard transactions, we may also be responsible to you for unauthorized transactions (see Your Liability for Unauthorized Transactions paragraph as follows).
Your Liability for Unauthorized Prepaid Card Transactions. Tell us AT ONCE if you believe your Card has been lost or stolen. Telephoning toll-free at is the best way of keeping your possible losses down. You may not be liable for unauthorized use of your Card provided that you notify us within a reasonable time after learning of the loss or theft of your Card. A transaction will be considered unauthorized if it is initiated by someone other than you without your authority, or you receive no benefit from the transaction, or if we do conclude, in our sole discretion, that the facts and circumstances do reasonably support a claim of unauthorized use. If your Card has been lost or stolen, we will close your Card to keep losses down. We reserve the right to investigate any claim you may make with respect to a lost or stolen Card, and you agree to cooperate with such investigation. We may ask you for a written statement, affidavit or other information in support of the claim. Reasonable time will be determined in our sole discretion based on the circumstances but will not be less than 60 days from the transaction date. Also, if your transaction history shows transactions that you did not make, tell us at once. If you do not tell us within 60 days after the transaction history was made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from making the unauthorized transaction if you had told us in time. Our liability is limited to reimbursing you for the face amount of any unauthorized transaction.
No Warranty Regarding Goods and Services : We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.
Unclaimed Property : Your Card is subject to unclaimed property laws where your card has been registered, or the laws of the state where we are located/incorporated if the card is not registered. Should your card have a remaining balance after a certain period of time, we may be required to remit remaining funds to the appropriate state agency.
Other Terms : Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at anytime. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Card is issued by MetaBank pursuant to license from MasterCard International Incorporated. This Agreement will be governed by the law of the State of South Dakota except to the extent governed by federal law. If you do not use all the funds on your card, we may at a certain point in time be required to surrender such funds to the state, reportable as unclaimed property, pursuant to applicable state law.
Amendment and Cancellation : We may amend or change the terms of this Agreement at any time. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend your Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.
Telephone Monitoring/Recording: From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.
Information About Your Right to Dispute Errors : In case of errors or questions about your Card transactions, call 1-877-459-8738 or write to ReStore Payment Services, 117 Kendrick St, Suite 250, Needham, MA 02494 customer service if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact us no later than sixty (60) days after we have sent you the FIRST statement on which the problem or error appeared.
(1) Provide your name and Card number (if any);
(2) Describe the error or the transaction you are unsure about, and explain why you believe it is an error or why you need more information;
(3) Provide the dollar amount of the suspected error.
If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card. For errors involving new Cards, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting: 1-877-459-8738.
Arbitration Disclosure (a) Purpose: This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) may be arbitrated instead of litigated in court.
(b) Definitions: As used in this Arbitration Provision, the term "Claim" means any claim, dispute or controversy between you and us arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Provision or the Agreements. "Claim" includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any Additional Cardholders designated by you; (ii) the amount of Available Funds on the Cards; (iii) advertisements, promotions or oral or written statements related to the Cards, goods or services purchased with the Cards; (iv) the benefits and services related to the Cards; and (v) your enrollment for any Card. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in the court.
As used in the Arbitration Provision, the terms "we" and "us" shall for all purposes mean the Bank, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, "we" or "us" shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Provision, the terms "you" or "yours" shall mean all persons or entities approved by us to have and/or use a Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all Additional Cardholders.
(c) Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either Judicial Arbitration or Mediation Services ("JAMS"), or the American Arbitration Association ("AAA"), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select either of the other organizations listed to serve as arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org .
(d) Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE JAMS OR AAA, AS APPLICABLE (THE "CODE"). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.
(e) Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders or other persons similarly situated. The arbitrator's authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.
(f) Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.
(g) Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the "FAA"). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party's notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of the objecting party's submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to its Code and issue its decision within one hundred twenty (120) days of the date of the appellant's written notice. The decision of the panel shall be by majority vote and shall be final and binding.
(h) Continuation: This Arbitration Provision shall survive termination of your Card as well as voluntary payment of the debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.
Additional Information
This Card is issued by MetaBank, member FDIC.
5501 S. Broadband Lane
Sioux Falls, SD 57108
1-877-459-873
© 2004-2010 MetaBank
ReStore Card™ Cash Back Rewards Official Rules
Enservio, Inc. (hereinafter "Enservio,") presents the Cash Back Program. MetaBank is the issuer of your Card and holds all Card funds including funds awarded to you in the Cash Back Program. Program Rules and Regulations are collectively referred to as the "Program Rules." You will be automatically enrolled in the Program once you register your Card with the Program. Registration of your Card with the Program constitutes acceptance of these Program Rules identified herein. Your enrollment in the Program will be active as long as your account is open and your Card has not been restricted, or until Enservio notifies you of the Program's cancellation. There is no cost to you to activate your Card with the Program, or to participate in the cash back Program. You will earn, net of any credits or returns, cash back on qualifying purchases through the use of your registered Card (hereinafter "Cash Back Rewards.") Enservio will calculate the cash back amounts by qualifying purchase, less any credits or returns, and multiplying by stated cash back percent for that specific merchant. If such calculation results in a fractional point amount, then such fractional amount will be rounded to the nearest penny. You are solely responsible for reviewing the Cash Back Rewards balance on your account and notifying us within ninety (90) days after cash back is granted of any suspected or actual error on your account. Enservio will credit your account for purchases at our cash back retail partners based on our Program rules upon your request. A pending reward is recorded after the transaction posts and is granted (available to spend) within 90 days of the transaction's posting. Any Cash Back Rewards that have not been spent at the time of Card expiration will not be considered part of the closing Card balance, thus will not be remitted back to the Cardholder. Cash Back Rewards will expire when your Card expires if they are not used or claimed for reinstatement within thirty (30) days after expiration. You will not be able to use any funds awarded to you from the Cash Back Rewards Program after your card expires. You will have access to the original funds awarded to you after expiration, and original funds after a certain period of time if unused will be forfeited to the State per Paragraph 16 of the Agreement. As you make purchases or are assessed fees, your original funds will be used first. Your Cash Back Rewards Program funds will be used after there are no original funds remaining. Enservio reserves the right to approve, deny or revoke participation in the Program for any reason whatsoever. The Program and benefits are offered at Enservio and MetaBank's sole discretion. Enservio reserves the right to alter or waive any Program feature or benefit prospectively or retroactively, including, without limitation, participation fees, cash back amounts or redemption criteria, or to cancel or temporarily suspend the Program at any time without prior notice. Any such modifications and/or termination may reduce or eliminate entirely your cash back pending or future cash back rewards.Enservio reserves the right to make appropriate adjustments to any Cash Back Reward with respect to any Card activity. For example, if you are able to redeem more than you have properly earned due to a system or technological failure or malfunction or for any reason whatsoever, you agree that we may correspondingly reduce the Cash Back Reward posted to your account statement to adjust for such excess redemption. Merchants participating in the Program are subject to change without notice. You will be required to provide a receipt as proof of purchase for any disputed transaction. Any disputes concerning rewards will not affect the enforceability of the terms and conditions applicable to your Card or account. Questions regarding the Program should be directed to the toll-free number on the back of your Card. The Program is void where prohibited by federal, state or local law. These Program Rules and Regulations set forth all the terms of the Program. As between Enservio and the Cardholder, Enservio has no other obligation with respect to the Program beyond those described in the Program Rules. Redemption values for all rewards are effective October 1, 2010, and are subject to change without notice.
MetaBank Privacy Policy FACTS: WHAT DOES METABANK DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and account balances,
- Payment history and account transactions and
- Transaction history
How?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons MetaBank chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does MetaBank share? | Can you limit this sharing? |
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes - to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates' everyday business purposes- Information about your transactions and experiences | No | We do not share |
| For our affiliates' everyday business purposes- Information about your creditworthiness | No | We do not share |
| For our affiliates to market to you | No | We do not share |
| For nonaffiliates to market to you | No | We do not share |
Questions?
Call 855-392-4730
Who we are
Who is providing this notice?
This privacy policy is provided by MetaBank and applies to MetaBank card products, and related products and services.
What we do
How does MetaBank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does MetaBank collect my personal information?
We collect your personal information, for example when you
- Register your card or pay a bill
- Make a purchase or other transaction
- Provide us your name or other information
Federal law gives you the right to limit only
- Sharing for affiliates' everyday business purposes - information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. MetaBank has no affiliates with which it shares your personal information.
Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. MetaBank does not share your personal information with nonaffiliates so they can market to you.
Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We may partner with nonaffiliated financial companies to jointly market financial products or services to you.
Other important information
If you are a resident of California or Vermont, we will not share with nonaffiliates except for our own marketing purposes, our everyday business purposes, or with your consent. Nevada residents: We are providing this notice pursuant to Nevada law.