Privacy Policy
Cara Debit Card or CaraDebitCard.com
is in affiliation with and an agent for the Cara MoneyCard.
For CARA Financial
Privacy Policy, please read below.
CARA Financial Card
Programs
Privacy Policy - Effective April 1, 2008
The CARA MoneyCard and the CARA Companion Card are issued
by Palm Desert National Bank. The CARA MoneyCard is issued
pursuant to a license by Visa© U.S.A. Inc.
We value your trust, and we respect your expectation of
privacy. It is important to us that we maintain your confidence,
and we are committed to maintaining the confidentiality
of both your personal and financial information. This document
outlines our privacy policy in connection with the nonpublic
personal information we receive regarding you.
This document addresses our policy regarding privacy of
information generally as well our policy relating to access
and use of our website.
Safeguards
We maintain physical, electronic, and procedural safeguards
that comply with federal standards to guard the nonpublic
personal information of our customers. When you enter sensitive
information (such your social security number) on our subscription,
enrollment, registration or order forms, we encrypt that
information using secure socket layer technology (SSL).
We also restrict access of nonpublic personal information
about our cardholders by our employees based upon a “business
purposes only” need to know such information (for
example to answer questions you may have or to provide specific
services). We train our employees on the importance of customer
privacy and confidentiality. Employees are bound by a code
of ethics that requires confidential treatment of Customer
Information and are subject to disciplinary action if they
fail to follow this code.
Certain other organizations we work with, because of functional
need, may have access to confidential information. Those
organizations are contractually bound to maintain the confidentiality
of that information. For example, we use an outside company
for card and material fulfillment, and a processing company
to perform electronic transaction handling. These companies
do not retain, share, store or use personally identifiable
information for any other purposes.
You may sign up for additional programs or services through
us. To provide such programs or services we must collect
necessary information from you. We may need to share information
such as your name and address and other information in order
for a third party to provide that service. These third parties
are prohibited from using your personally identifiable information
for any other purpose.
And, the private areas of our websites require an additional
layer of customer authentication to further ensure protection
of your personal information from outsiders.
Access to our Website
Anyone can view some areas of our sites as a visitor. You
must be an active cardholder to visit other areas of our
site, including all areas that contain personal information.
Types of information collected and purpose –
Visitors to the Website
Our computer is not set up to track, collect or distribute
personal information about its visitors. Visitors to our
website remain anonymous, unless they register for a service
or otherwise elect to disclose their identity to us. Although
we do not collect personally identifying information about
persons who simply visit our site, we do not collect e-mail
addresses, we may collect certain limited information about
visitors, such as their IP address (a numeric address assigned
automatically to computers when they access the Internet).
We may also attempt to place “cookies” on a
computer to track a visitor’s use of our website.
A cookie is a piece of data that is stored on your hard
drive. It takes up very little room on your system and helps
us to customize our site and make its navigation easier
for you. We sometimes use cookies to help estimate the number
of visitors to our site and to determine which areas are
the most popular. Unless you register with us for a service,
the cookie does not provide us with any personally identifying
information about you, such as your name or address.
Like the operators of most websites, we use analytic and
reporting technologies to record Non-Personal Information
such as Internet domain and host names, Internet protocol
(IP) addresses, browser software, operating system types,
clickstream patterns, and the dates and times that the Website
and the CARA MoneyCard Services are accessed. We also contract
with several online partners to help manage, monitor and
optimize our Website and the CARA MoneyCard Services and
to help us measure the effectiveness of our advertising,
communications and how visitors use the Website. To do this,
we may use web beacons and cookies.
Should a visitor request additional information from us,
want to enroll in a program or request some other service,
we will need to collect the information required to satisfy
the request or as required for the program or service.
Types of information collected and purpose –
Cardholders
Personal Information
We collect and use various types of information about you
to verify your identify, establish your account, provide
to you the services you expect of us, safeguard your personal
and account information, and meet U. S. Patriot Act and
other applicable requirements. This information may be provided
by you, your employer and / or outside agencies that validate
information provided by you, by telephone, on applications
or enrollment forms, in membership requests, through this
website, electronically and on other forms.
Should you decide to request an additional card, a Companion
Card, we will ask you information about the additional cardholder,
such as that person’s name and relationship to you.
This additional information is necessary in order to establish
a Companion Card account.
Transaction Information
We collect deposit information and transaction information
associated with your card use for the purpose of collecting
and safeguarding your funds, executing the transactions
you authorize, identifying transactions that you do not
authorize, and resolving transactions if there is a conflict
or dispute.
Communications Information
We collect and maintain information relating to our communications
with you for the purposes of better understanding your needs,
providing services to you, to develop or provide additional
products and services that we think could be of value or
benefit to you and to help in our management and perpetual
improvement of our programs overall.
Our Disclosure of Information
We may disclose personal or communications information
to others as necessary to fulfill our obligations to you
under our programs. Such information will not be provided
to others for the purposes of marketing to you or communicating
with you about other programs and services except that we
may provide information to other organizations for the purposes
of communicating to you on our behalf about a program you
have subscribed to or other programs that may be or become
available to you because of your relationship with us.
Information about your card, membership, and transactions
will be shared only: (a) where it is necessary or helpful
to effect, process or confirm your membership and transactions;
(b) to verify the existence and availability of funds associated
with your card; (c) to comply with legal process, such as
subpoenas and court orders; (d) to law enforcement authorities
if we believe a crime has been committed; and (e) if you
give us your consent.
We do not disclose nonpublic personal information about
our current or former customers to unaffiliated third parties
except as set forth in this policy or as permitted by law.
Maintaining Accurate Information
It is important that the information about you, especially
address and other contact information, be current and accurate
such that we can contact you about program changes, provide
replacement cards and communicate with you for other similar
reasons. Should you wish us to edit or delete any previously
submitted information from our database, simply log on to
your cardholder account and edit the necessary information.
If you ever need additional assistance contact us via our
contact page and provide specific information as to your
request.
Other Privacy Rights
You may have other privacy protections under some state
laws. We will comply with applicable state laws regarding
information about you. For example, certain state laws may
restrict the types of information we may disclose about
you or require us to provide you with additional notices
or opt-out rights.
Links to Other Websites
Our website may feature links to third party websites that
offer goods, services or information. Some of these sites
may appear as windows-within-windows at our website. When
you click on one of these links, you will be leaving our
site and will no longer be subject to this policy. We are
not responsible for the information collection practices
of the other websites that you visit and urge you to review
their privacy policies before you provide them with any
personally identifiable information. Third party sites may
collect and use information about you in a way that is different
from this policy.
E-Mail
CARA MoneyCard complies fully with the federal CAN-SPAM
Act of 2003. We will not share, sell, rent, swap or authorize
any third party to use your e-mail address without your
permission. If you feel you have received an e-mail from
us in error, please contact customerservice@caramoneycard.com
outlining your concern.
Account and Service-Related E-mail
We reserve the right to send you e-mail relating to your
account status. This includes order confirmations, renewal/expiration
notices, notices of card related problems, other transactional
e-mails and notifications about major changes to our Websites
and/or to our Privacy Policy. If you have registered for
online discussions or other services, you may receive e-mail
specific to your participation in those activities.
E-mail Newsletters
If you receive a CARA e-mail newsletter and no longer wish
to receive it, follow the "unsubscribe" instructions
located near the bottom of each newsletter.
Other Services E-mail
We may periodically e-mail you messages about products
and services that we think may be of interest to you. You
can choose not to receive messages in the future by following
the "unsubscribe" instructions located near the
bottom of each e-mail. From time to time CARA MoneyCard
may obtain e-mail addresses from third party sources to
be used for promotional e-mails. You can choose not to receive
messages in the future by following the "unsubscribe"
instructions located near the bottom of each e-mail.
Survey E-mail
We may send you an e-mail inviting you to participate in
user surveys, asking for feedback on CARA MoneyCard and
existing or prospective products and services, as well as
information to better understand our users. User surveys
greatly help us to improve our Website, and any information
we obtain in such surveys will not be shared with third
parties, except in aggregate form. If you do not wish to
receive such surveys, follow the “unsubscribe”
instructions located near the bottom of the e-mail inviting
you to participate.
E-mails From You
If you send us e-mails, you should be aware that information
you disclose may not be secure or encrypted and thus may
be available to others. We suggest that you exercise caution
when deciding to disclose any personal or confidential information
in e-mails. We will use your e-mail address to respond directly
to your questions or comments.
Other Communications
We may send to you via other means, such as U. S. Mail,
service or account-related announcements when necessary
to do so. We may also send to you information on new programs,
benefits, features or services.
How you can restrict CARA MoneyCard from using your personal
information
Federal and state laws allow you to restrict the sharing
of your personal information in certain instances. However,
these laws also state that you cannot restrict other types
of sharing. Because we have chosen not to share your data
for purposes other than as described, the only type of sharing
of your personal information that you may restrict is as
follows:
If you do not want to receive information associated with
other programs or benefits that we think you may have interest
in, such as additional programs, services, benefits and
products, you may “opt out” of receiving such
information. You may choose to not receive any such communications
from us or others in partnership with us by visiting our
website, accessing the Privacy Policy area, and completing
the “Request to Opt-Out of Promotional Communications”
form.
Changes to this Policy
We may add to, delete from, or otherwise change the terms
of this Privacy Policy from time to time by posting a notice
of the change (or an amended Privacy Policy) at this website.
If required by law, we will send you a notice of the change
by a method that we select and that complies with applicable
state and federal laws as well as the terms of your cardholder
agreement. Such methods could include email, postal mail
and/or posting on this website. Your continued use of our
website or any service following such notification will
constitute evidence of your agreement to the revised Policy.
Guarding your own information
CARA MoneyCard recommends that you take the following precautions
to guard against the disclosure and unauthorized use of
your account and personal information:
