TERMS & CONDITIONS and DEFINITIONS FOR
THE UNIVISION MASTERCARD® PREPAID CARD
SUMMARY INFORMATION:
The Univision MasterCard® Prepaid Card is issued by The Bancorp Bank pursuant to license from MasterCard International Incorporated. The Bancorp Bank; Member FDIC.
If your Card is lost or stolen or in case of errors or questions regarding your Card, please contact us immediately at 1-877-883-6688 (direct dial international 1-904-425-9077) or at Univision MasterCard Prepaid Card, P.O. Box 111, Presque Isle, Maine 04769-0111.
This document explains important terms and conditions for using your Univision MasterCard Prepaid Card. Some highlights include:
• You are responsible for all charges on your Card by you or anyone else who you authorized to use your Card.
• You agree to sign the back of the Card immediately upon receipt.
• Your Card can be used for purchases wherever Debit MasterCard® or Maestro® cards are accepted.
• Please keep your Personalized Identification Number (PIN) in a secure place and do not keep it with or on your Card.
The expiration date of the Card is identified on the front of Your Card. The Card is a prepaid card, is not connected in any way to any other account, is not a credit card, is not transferable, and is not for resale. You will not receive any interest on your funds in the Card Account.
The minimum amount of each value load is $20.00. The maximum value of your Card is $9,000.00. The maximum amount that can be spent on your Card per 24-hour period is $3,000.00 and the maximum amount that can be spent on your card per 30-day period is $15,000.00.
You can make up to four (4) domestic ATM cash withdrawals in a 24 hour period and withdraw up to $500.00 cash per 24-hour period at ATMs (subject to the daily maximum limit set by each ATM owner) and up to $5,000.00 per 30 day period. You can make up to two (2) international ATM cash withdrawals in a 24 hour period and withdraw up to $500.00 cash per 24-hour period at ATMs (subject to the daily maximum limit set by each ATM owner) and up to $5,000.00 per 30 day period.
When buying gasoline, you will need to pay inside at the cashier; the Card will not work at the pump.
UNIVISION MASTERCARD® PREPAID CARD CARDHOLDER AGREEMENT
IMPORTANT – PLEASE READ CAREFULLY
This document constitutes the agreement ("Agreement") outlining the terms and conditions under which the Univision MasterCard Prepaid Card has been issued to you. By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement. "Card" means the Univision MasterCard Prepaid Card issued to you by The Bancorp Bank, Wilmington, Delaware. "Issuer" means The Bancorp Bank or its depository institution affiliate. The Issuer is an FDIC insured member institution. "Card Account" means the records we maintain to account for the value of claims associated with the Card. "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," and "our" mean the Issuer, our successors, affiliates or assignees. You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or have been loaded into the Card Account on your behalf. You agree to sign the back of the Card immediately upon receipt. The expiration date of the Card is identified on the front of your Card. The Card is a prepaid card. The Card is not connected in any way to any other account. The Card is not a credit card. The Card is not for resale. You will not receive any interest on your funds in the Card Account. The Card will remain the property of the Issuer and must be surrendered upon demand. The Card is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. The Card is not designed for corporate use, and we may close your Card if we determine that it is being used for corporate purposes. We may refuse to process any transaction that we believe may violate the terms of this Agreement. Our business days are Monday through Friday, excluding federal holidays, even if we are open. Please write down your Card number and the customer service phone number provided in this Agreement on a separate piece of paper in case your Card is lost, stolen, or destroyed. Please read this Agreement carefully and keep it for future reference.
OBTAINING YOUR CARD:
The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time.
AUTHORIZED USERS: You are responsible for all authorized transactions initiated and fees incurred by use of your Card. If you permit another person to have access to your Card or Card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement.
SECONDARY CARDHOLDER: You may request an additional Card for another person, with whom you can share all or a portion of your money. The maximum number of additional Cards permitted is two (2). You must notify us to revoke permission for any person you previously authorized to use the Card. If you notify us to revoke another person's use of the Card, we may revoke your Card and issue a new Card with a different number. You remain liable for any and all usage of an additional Card you authorize. Additional cardholders are prohibited from making Card Account modifications.
ACTIVATION: You must activate your Card before it can be used. You may activate your Card by calling 1-877-883-6688. You will need to provide personal information in order to verify your identity.
PERSONAL IDENTIFICATION NUMBER: You will select a Personal Identification Number ("PIN") when you call to activate your Card Account. You should not write or keep your PIN with your Card. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. 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."
CASH ACCESS: You may use your Card at an ATM. With your PIN, you may use your Card to obtain cash from any Automated Teller Machine ("ATM") that displays the MasterCard®, Maestro®, Cirrus®, or Allpoint® Acceptance Mark or any Point-of-Sale ("POS") device, as permissible by merchant, that bears the MasterCard or Maestro Acceptance Mark. All ATM transactions are treated as cash withdrawal transactions. When using your Card in the US and Puerto Rico, you can make up to four (4) domestic ATM cash withdrawals in a 24-hour period and withdraw up to $500.00 cash per 24-hour period at ATMs (subject to the daily maximum limit set by each ATM owner) and up to $5,000.00 per 30-day period. You can make up to two (2) international ATM cash withdrawals in a 24-hour period and withdraw up to $500.00 cash per 24-hour period at ATMs (subject to the daily maximum limit set by each ATM owner) and up to $5,000.00 per 30-day period. The maximum cumulative amount that may be withdrawn from a POS device is $5,000.00. The maximum cumulative amount that may be withdrawn from a participating bank (over the counter withdrawal) per 24-hour period is $1,000.00. Any funds withdrawn from an ATM, POS device or bank, as well as any fees charged, will be subject to the maximum amount that can be spent on your Card per 24-hour period and/or 30-day period. If you use an ATM not owned by us for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Card.
LOADING YOUR CARD: You may add funds to your Card, called "value loading", at any time. The minimum amount of the initial value load for all loading methods is $20.00. The minimum amount of each value reload is $20.00. The maximum amount of the initial value load and each value reload depends on the load source. Personal checks, cashiers checks, and money orders sent to the Issuer are not an acceptable form of loading. All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer. Following are value load limits by funding source:
CASH: You may add value or load your Card using cash at a retail store that supports Western Union®, MoneyGram® Express Payment® or the MasterCard® rePower™ load network (supported by Green Dot MoneyPak™. For more information on where to find the retail location nearest you, visit www.univisiontarjeta.com. The maximum number of times you may load your Card with cash is ten (10) times in any 30-day period. The maximum amount you can load is $950.00 per transaction, and $9,500.00 in any 30-day period.
DIRECT DEPOSIT: The maximum number of times you can load your Card with Direct Deposit per 24-hour period is three (3) and the maximum number of times you can load your Card with Direct Deposit is eight (8) in any 30-day period. The maximum amount for all Direct Deposit loads per any 30-day period is $9,000.00. Any amounts received in excess of these limits will be held until the next available time. The direct deposit form was sent with your Card Account opening materials. If you need an additional copy, please contact customer service.
DIRECT DEPOSIT ACCOUNT: The bank routing number and direct deposit account number are for the purposes of initiating direct deposits to your prepaid Card Account only. Check with your payer to find out when the direct deposit of funds will start. Funds availability is subject to timing of payer's funding. You are not authorized to provide this bank routing number and direct deposit account number to anyone other than your employer, government program, or payer. Your prepaid Card Account and the associated direct deposit account number cannot be used for preauthorized direct debits from merchants or from utility or Internet Service Providers. If presented for payment, these preauthorized direct debits will be declined and your payment to the merchant or provider will not be processed
CARD TO CARD MONEY SHARING: The maximum amount you can share or load using Card-to-Card Money Sharing is $500.00 per 24-hour period and/or $1,500.00 per 30-day period. You will have access to your funds as follows: For cash loads at a retail store: within thirty (30) to sixty (60) minutes; For Direct Deposit: on payday or the date of the deposit by 9:00 am Eastern Time. For Card-to-Card Money Sharing: within five (5) minutes of the request.
USING YOUR CARD/FEATURES: The maximum amount that can be spent on your Card per 24-hour period is $3,000.00. The maximum amount that can be spent on your Card per 30-day period is $15,000.00. Signature POS transactions, PIN POS transactions, ATM withdrawals, over the counter cash withdrawals, bill payments as well as Card to Card money sharing transactions are all included in the calculation of the 30-day spend limit. Any returns or refunds posted to your Card will NOT reduce the 30-day maximum spend limit. The maximum value of your Card is restricted to $9,000.00. You may use your Card to purchase or lease goods or services wherever Debit MasterCard or Maestro cards are accepted as long as you do not exceed the value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. When buying gasoline, you will need to pay inside at the cashier. Your Card will be declined if you try to use it at an automated fuel dispenser ("pay at the pump").
EMAIL ALERTS: If you provide us your email address, we will send you important account servicing emails as well as transaction notifications that include your available Card Account balance. You can opt out of these emails at any time after you receive your Card.
DEBIT HOLDS BY MERCHANTS: If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. If you use your Card number without presenting your physical Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account 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 and any applicable fees. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.
CHARGES MADE IN FOREIGN CURRENCIES: If you obtain your funds or make a purchase in a currency other than in U.S. dollars, the amount deducted from your funds will be converted by MasterCard International Incorporated into U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by MasterCard International Incorporated from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate MasterCard International Incorporated itself receives, or the government-mandated rate in effect for the applicable central processing date. If you obtain your funds or make a purchase in a currency other than U.S. dollars, the Issuer may assess a foreign currency conversion fee of 2% of the transaction amount and will retain this amount as compensation for its services.
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 and agree to the refund policy of that merchant. If you have a problem with a purchase that you made with your Card, or if you have a dispute with the merchant, you must handle it directly with the merchant.
RECEIPTS: You should get a receipt at the time you make a transaction using your Card. You agree to retain, verify, and reconcile your transactions and receipts.
CARD ACCOUNT BALANCE/PERIODIC STATEMENT: You are responsible for keeping track of your Card Account available balance. Merchants generally will not be able to determine your available balance. It's important to know your available balance before making any transaction. You may obtain information about the amount of money you have remaining in your Card Account by calling 1-877-883-6688 (international direct dialing 1-904-425-9077). This information, along with a sixty (60) day history of Card Account transactions, is also available online at www.univisiontarjeta.com. You also have a right to obtain a sixty (60) day written history of Card Account transactions by calling 1-877-883-6688 (international direct dialing 1-904-425-9077) or by writing us at Univision MasterCard Prepaid Card, P.O. Box 111, Presque Isle, Maine 04769-0111. You will not automatically receive paper statements.
CARD REPLACEMENT: If you need to replace your Card for any reason, please contact us at 1-877-883-6688 (direct dial international 1-904-425-9077) to request a replacement Card. For your safety, you will be required to provide personal information which may include your Card number, full name, transaction history, etc. There is a fee for replacing your Card.
CONFIDENTIALITY: We may disclose information to Univision Financial Marketing, Inc. ("UFM") and other third parties about your Card or the transactions you make:
1. Where it is necessary or helpful for completing transactions or providing you a requested service or product;
2. In order to verify the existence and condition of your Card for a third party, such as merchant;
3. In order to comply with government agency, court order, or other legal reporting requirements;
4. If you give us your written permission;
5. to provide you with information on other services and products that we think may be of interest to you;
6. To our employees, auditors, affiliates, service providers, or attorneys as needed;
7. To Univision Communications Inc., a Member Service Provider ("MSP") pursuant to an agreement with the Issuer;
8. In connection with a proposed or actual sale, merger, transfer or exchange of all or a portion of a business or operating unit if the disclosure or personally identifiable information concerns solely consumers of such business or unit;
9. To UFM which is offering the Card under a joint marketing agreement with the Issuer; pursuant to which UFM may use and disclose the information in accordance with the provisions in this section.
OUR LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS: If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. 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, and you knew about the problem when you initiated the transaction;
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; or
9. Any other exception stated in our Agreement with you.
YOUR LIABILITY FOR UNAUTHORIZED USAGE OR TRANSFERS: Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at 1-877-883-6688 (direct dial international 1-904-425-9077). Under MasterCard Rules, your liability for unauthorized MasterCard transactions on your Card Account is $0.00 if you notify us within two (2) business days and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. This reduced liability does not apply if a PIN is used as the method of verification for a disputed transaction or you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period. If you notify us within two (2) business days from a non-authorized transaction, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedure indicated in the "Error Resolution Notice" section. If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. If your Card has been lost or stolen, we will close your Card Account to keep losses down.
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 Agreement will be governed by the law of the State of Delaware except to the extent governed by federal law.
AMENDMENT AND CANCELLATION: We may amend or change the terms and conditions 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.
In the event that your Card Account is cancelled, closed, or terminated for any reason, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. There is a fee for this service. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00.
ERROR RESOLUTION NOTICE: In case of errors or questions about your Card Account, telephone us at 1-877-883-6688 (direct dial international 1-904-425-9077), write us at Univision MasterCard Prepaid Card, P.O. Box 111, Presque Isle, Maine 04769-0111 or email us at servicio@univisionprepagada.com as soon as you can, if you think an error has occurred in your Card Account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may view your transaction history at any time on-line or request a written history of your transactions at any time by calling us at 1-877-883-6688 (direct dial international 1-904-425-9077) or writing us at Univision MasterCard Prepaid Card, P.O. Box 111, Presque Isle, Maine 04769-0111.
You will need to tell us, Your name and Card Account number, Why you believe there is an error, and the dollar amount involved, Approximately when the error took place. If you tell us orally, we may require that you send us 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 decide to do this, we will credit your Card Account within ten (10) business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. 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, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Card Accounts, we may take up to twenty (20) business days to credit your Card Account for the amount you think is in error. 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. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at 1-877-883-6688 (direct dial international 1-904-425-9077) or visit www.univisiontarjeta.com
ENGLISH LANGUAGE CONTROLS: Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original
CARD BENEFITS
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FEE SCHEDULE
All fee amounts will be withdrawn from your Card Account and will be assessed as long as there is a remaining balance on your Card Account, except where prohibited by law. Anytime your remaining Card Account balance is less than the fee amount being assessed, the balance of your Card Account will be applied to the fee amount. If we are unable to assess a Monthly Maintenance Fee at the time it is due because your Card Account balance is less than the fee amount being assessed or $0.00, we will collect the greater of your outstanding fee balance or one (1) previous Monthly Maintenance Fee from your next value load. The Monthly Maintenance Fee for the current month will continue to be assessed as scheduled.
EVERYDAY USE |
|
| Unlimited Purchases at stores, restaurants, online and over the phone |
FREE |
| Unlimited Bill Payments in person, online and over the phone |
FREE |
| Unlimited ATM Withdrawals at Target®, 7-Eleven® and other In-Network ATMs (Our network is run by Allpoint®, which is the largest FREE ATM network in the country) |
FREE |
| Direct Deposit of all your Paychecks, Government Benefits, and Tax Refunds |
FREE |
| Cash Deposits FREE from Univision. Retailer may charge a fee |
FREE |
SERVICE |
|
| Convenient SMS and Email Alerts for daily balance and individual transactions* |
FREE |
| Easy Online Account Access |
FREE |
| 24/7 Bilingual Customer Service |
FREE |
FAMILY USE |
|
| Additional Cards for your Spouse/Family member |
FREE |
| Sharing Money with a friend or relative who has a card |
FREE |
PROTECTION |
|
| Replacement of Money if card is lost or stolen (per MasterCard Zero Liability Policy**) |
FREE |
| FDIC Insurance- your money is insured up to $250,000 by the Government |
FREE |
| Satisfaction Guarantee - If not satisfied, just let us know in the first 30 days and we will refund your monthly fees |
FREE |
OPTIONAL SERVICES: |
|
| Out of Network ATM Withdrawal Fee (non-Allpoint branded ATMs); International ATM Withdrawal Fee; and/or Over the Counter Withdrawal Fee (cash withdrawal at a bank); International Over the Counter Withdrawal Fee |
$1.95 each per transaction |
| Card Replacement Fee; Express Shipping Fee; or Check Refund Fee | $9.95 each per transaction |
| Foreign Currency Conversion Fee | 2% - per transaction |
* Standard text messaging rates from your wireless service provider may apply.
** Conditions and exceptions apply- see paragraph labeled "Your Liability for Unauthorized Transfers"
CUSTOMER SERVICE:
For customer service or additional information regarding your Card, please contact us at: www.UnivisionTarjeta.com
1-877-883-6688 (direct dial international 1-904-425-9077)
This Cardholder Agreement is effective DECEMBER 2011.
Your Univision MasterCard® Prepaid Card is issued and operated by
The Bancorp Bank and is governed by The Bancorp Bank's privacy practices.
(Rev 10/11)
FACTS |
WHAT DOES THE BANCORP BANK 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 income • account balances and payment history • credit history and credit scores When you are no longer our customer, we continue to share your information, as described in this notice. |
| 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, whether The Bancorp Bank shares your information, and whether you can limit this sharing. |
| Reasons we can share your personal information | Does The Bancorp Bank 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 don't share |
| For our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | Yes | Yes |
| To limit our sharing | • Call 1-877-883-6688—our menu will prompt you through your choice(s) • Send your request in writing to the address below Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
| Questions? | For more information you can contact: Univision Card Services, P.O. Box 111, Presque Isle, ME 04769 Phone number 1-877-883-6688 To review this Policy in Spanish, please visit: www.UnivisionTarjeta.com Para revisar esta Política en español, por favor visite: www.UnivisionTarjeta.com |
| Who we are | |
| Who is providing this notice? | This privacy policy is provided by The Bancorp Bank and applies to the Univision MasterCard Prepaid Card and any related products and services. |
| What we do | |
| How does The Bancorp Bank 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. We also limit access to information to those employees for whom access is necessary. |
| How does The Bancorp Bank collect my personal information? | We collect your personal information, for example, when you • open an account or apply for a loan • pay your bills or make a wire transfer • provide account information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
| Why can't I limit all sharing? | Federal law gives you the right to limit only • sharing for affiliates' everyday business purposes—information about your creditworthiness • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
| Definitions | |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. • The Bancorp Bank 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. • The Bancorp Bank does share with nonaffiliates so they can market to you. You may opt-out of this sharing. |
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners may include other financial companies, such as Univision. |
| Other important information | |
| *California Residents -- In accordance with California law, we will not share information we collect about you with companies outside of Univision or The Bancorp Bank, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing around our companies to the extent required by California law.
*Vermont Residents -- In accordance with Vermont law, we will not share personal financial information about you, other than transaction experience information, with other Bancorp companies or affiliates, nor will we share any personal financial information about you with other Bancorp companies for marketing purposes. |
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