UtiliCard (“us”, “we”, or “our”) operates the www.utilicard.com website (the “"Service"”). Here, we outline our policies regarding the collection, use, and disclosure of Personal Information when you engage with our Service. Rest assured, we handle your information with the utmost care and transparency outlined in our Privacy Policy. Your Personal Information is utilized to enhance and tailor your Service experience. By utilizing our Service, you implicitly consent to the collection and utilization of information as outlined in this policy. For further clarification, terms used herein hold the same meanings as defined in our Terms and Conditions, accessible at www.utilicard.com

Data Gathering and Utilization

During your use of our Service, we may request certain personally identifiable information from you, which can be used to contact or identify you. This information may encompass your email address, name, phone number, postal address, and other pertinent details (“Personal Information”). The collection of this data serves several purposes, including the provision of our Service, facilitating communication with you, addressing your requests or inquiries, fulfilling your purchase orders, and enhancing our overall services.

UtiliCard's affiliate partners and processors are fully compliant with the Bank Secrecy Act and the USA Patriot Act, aiding governmental efforts to combat terrorism funding and money laundering activities. Federal regulations mandate that all financial institutions gather, verify, and record information identifying each individual who opens an account or becomes a new customer of the institution.

Our Customer Identification Program is meticulously crafted to adhere to these federal mandates, ensuring comprehensive compliance.

What this entails for you, as a customer, is that upon opening an account or acquiring a service from the bank, we will request your name, address, date of birth, and additional details to facilitate identification. Furthermore, we will require you to furnish identifying documentation, such as a driver’s license or other forms of identification. It is within our discretion to decline the opening of an account or the provision of services should you fail to furnish sufficient identification or if the bank deems the identification provided unsatisfactory.

UtiliCard prioritizes the privacy and security of your non-public personal information, along with our methods for managing it.

We gather confidential personal information about you from the subsequent origins:

• Information received from you on applications or other forms.
• Information about your transactions with us, our affiliates, or others.
• Information we receive from consumer reporting agencies. As required by the USA PATRIOT Act, we also collect information and take action necessary to verify your identity.

We may share all collected information, as outlined above, with companies conducting marketing services on our behalf or with other financial institutions with whom we hold joint marketing agreements. However, we uphold a strict policy of not disclosing any non-public personal information about our customers to any parties, including our affiliates, except as permitted by law. No action is required on your part to receive this protection.

Internally, access to your non-public personal information is limited to our staff members who require such data to provide you with customer support or maintain your records. Our internal protocols clearly outline how associates may access, use, or distribute non-public information. Moreover, we maintain physical, electronic, and procedural safeguards that adhere to federal standards, ensuring the security of your non-public personal information. Should you choose to close your account(s) or become an inactive customer, our policies and practices, as detailed in this notice, will be upheld.

Log Data

Additionally, we may gather data known as "Log Data" whenever you access our Service. This Log Data might encompass details such as your computer's Internet Protocol ("IP") address, browser type, browser version, the pages within our Service that you visit, the date and time of your visit, the duration of time spent on those pages, and various statistics. Furthermore, we may utilize third-party services like Google Analytics to gather, monitor, and analyze this information to enhance the functionality of our Service. These third-party service providers maintain their own privacy policies governing the utilization of such information.

Cookies

Cookies consist of small data files, potentially containing an anonymous unique identifier. These files are transmitted to your browser from a website and then stored on your device. We utilize cookies to gather information aimed at enhancing our services for your benefit. You have the option to direct your browser to reject all cookies or to notify you when a cookie is being sent. Most browsers offer guidance on accepting, disabling, or receiving notifications about cookies through their Help feature. Should you opt not to accept cookies, certain features of our Service may become inaccessible, and thus, we advise keeping them enabled for optimal functionality.

DoubleClick Cookie

As a third-party vendor, Google employs cookies to display ads on our Service. Through the DoubleClick cookie, Google and its partners are empowered to deliver ads to our users based on their interaction with our Service or other websites across the Internet. Should you wish to opt out of interest-based advertising using the DoubleClick Cookie, you can do so by visiting the Google Ads Settings web page: https://www.google.com/ads/preferences/

Behavioral Remarketing

UtiliCard utilizes remarketing services to present advertisements on third-party websites to you subsequent to your visit to our Service. We, along with our third-party vendors, employ cookies to tailor, refine, and display ads based on your previous interactions with our Service.

Google

The Google AdWords remarketing service is offered by Google Inc.

To tailor your experience with Google Analytics for Display Advertising and personalize the Google Display Network ads, you have the option to visit the Google Ads Settings page: http://www.google.com/settings/ads.

Additionally, Google recommends installing the Google Analytics Opt-out Browser Add-on - https://tools.google.com/dlpage/gaoptout - for your web browser. This add-on empowers visitors to prevent their data from being collected and utilized by Google Analytics. For further insights into Google's privacy practices, we encourage you to explore the Google Privacy Terms web page: http://www.google.com/intl/en/policies/privacy/.

Facebook

The Facebook remarketing service is provided by Facebook Inc.

To delve deeper into interest-based advertising from Facebook, you can explore this informative page: https://www.facebook.com/help/164968693837950.

If you wish to opt out of Facebook's interest-based ads, simply follow the instructions outlined by Facebook here: https://www.facebook.com/help/568137493302217.

Facebook aligns with the Self-Regulatory Principles for Online Behavioral Advertising established by the Digital Advertising Alliance. Furthermore, you have the option to opt out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices, the Digital Advertising Alliance of Canada in Canada https://youradchoices.ca, or the European Interactive Digital Advertising Alliance in Europe https://www.youronlinechoices.eu, or you can utilize your mobile device settings to opt out.

For a deeper understanding of Facebook's privacy practices, please refer to Facebook’s Data Policy: https://www.facebook.com/privacy/explanation.

AdRoll

The AdRoll remarketing service is facilitated by Semantic Sugar, Inc.

Should you wish to opt out of AdRoll remarketing, you can conveniently do so by visiting the AdRoll Advertising Preferences web page: http://info.evidon.com/pub_info/573?v=1&nt=1&nw=false.

For a comprehensive understanding of AdRoll's privacy practices, we encourage you to peruse the AdRoll Privacy Policy web page: http://www.adroll.com/about/privacy.

Do Not Track Policy

We respect the Do Not Track (“DNT”) feature. Do Not Track allows you to indicate to websites that you prefer not to be tracked. You can enable or disable Do Not Track by accessing the Preferences or Settings page of your web browser.

Service Provider

We may enlist third-party companies and individuals to support our Service, deliver the Service on our behalf, provide Service-related services, and help us analyze how our Service is utilized. These third parties are granted access to your Personal Information solely for the purpose of carrying out specific tasks on our behalf and are bound by confidentiality obligations preventing them from disclosing or using your information for any other purpose.

Communications

We may utilize your Personal Information to reach out to you with newsletters, marketing or promotional materials, and other pertinent information that could be of interest to you. If you prefer not to receive any or all of these communications from us, you can opt out by following the unsubscribe link or instructions provided in any email we send.

Adherence to Regulations

We will divulge your Personal Information if mandated by law, subpoena, or if we deem such action necessary to conform to legal obligations and reasonable requests from law enforcement, or to safeguard the security and integrity of our Service.

Security

We prioritize the security of your Personal Information and are committed to implementing and maintaining reasonable, commercially acceptable security measures tailored to the type of information we handle. These measures are aimed at safeguarding your data from unauthorized access, destruction, use, modification, or disclosure. Nevertheless, it's important to recognize that no method of transmission over the internet or electronic storage is entirely foolproof, and as such, we cannot guarantee the absolute security of the Personal Information we've collected from you.

External Website Links

Within our Service, you may encounter links to external websites not managed by us. Clicking on such third-party links will redirect you to their respective sites. We highly recommend reviewing the Privacy Policy of each website you visit. Please note that we lack control over, and bear no liability for the content, privacy policies, or practices of these external sites or services.

Privacy of Minors

Access to our Service is limited to individuals aged 18 or older. Our Service is not intended for individuals under the age of 13 ("Children").

We do not knowingly gather personally identifiable information from children under 13. If you are a parent or guardian and discover that your Children have provided us with Personal Information, please get in touch with us. Should we become aware that we have unintentionally collected Personal Information from a child under 13 without verified parental consent, we will take necessary actions to delete that data from our servers.

Updates to Our Privacy Policy

This Privacy Policy became effective on January 1st, 2024 and will continue to govern our practices unless revised in the future. Any updates or modifications to this policy will take effect immediately upon posting on this page. We reserve the right to revise or amend our Privacy Policy at our discretion, and it is advisable to review this page periodically for any changes. Your continued use of the Service following the posting of any updates constitutes your acceptance of the revised terms. In the event of any significant changes to this Privacy Policy, we will notify you via the email address you provided or through a prominent notice on our website.

Contacting Us

If you have any questions or concerns about our Privacy Policy or any other content on our website, please don't hesitate to contact us. We value transparency and want to ensure that our users have a clear understanding of our policies and content. Your feedback is important to us, and we're here to assist you with any inquiries you may have. Feel free to reach out to our team, and we'll be happy to address your concerns promptly.

Acknowledgment

By utilizing the Service, you confirm that you have carefully reviewed and comprehended this Privacy Policy, and hereby consent to the utilization of cookies and analogous technologies as delineated herein.