Terms of Use and Privacy Policy


TECHNOLOGY PRIVACY STATEMENT


PLEASE READ THIS TECHNOLOGY PRIVACY STATEMENT CAREFULLY BEFORE ACCESSING OR USING THE WEBSITE OR MOBILE APPLICATION, DO NOT USE THE WEBSITE OR MOBILE APPLICATION IF YOU DO NOT AGREE TO THESE TERMS



Last Updated: July 24, 2014


This Technology Privacy Statement ("Privacy Statement") explains how information is collected, used and shared by Green Dot Corporation and its subsidiaries and affiliated companies ("Green Dot") through our websites and mobile applications.


For information on how we collect, store, share, or otherwise use your personal information when obtained in connection with your application for or use of our financial products or services, please see our Privacy Policy; however this Technology Privacy Statement will apply to our collection, storage, sharing, or use of information from and about you, obtained in connection with the Services.


INFORMATION COLLECTION


Information You Provide


We collect information from you when you choose to share it with us to access or use our websites (each a "Site") or mobile applications (each an "App") (the Sites and Apps are collectively the "Services"), request information from us, or otherwise contact us. The information we collect may include your name, address, email address, phone number, information about your payment at a retail location, information contained on a check that you upload for remote deposit, financial account information used for payments, loads or direct deposits, and any other information you choose to provide. We may combine the information you provide to us with information (1) from and about you that we automatically collect when you use our services, (2) from third parties, or (3) from other online and offline services.


If you use certain features of our Services that involve location-based services (such as the ATM locator) or provide us with files that include location information, you may grant us access to information about your location. We use this information to (1) provide you with the services or products that you request, including access to location-based information, and (2) monitor for fraud or other suspicious activity.


Information Automatically Collected; Online and Mobile Advertising; and California Do Not Track Disclosures.


Information Automatically Collected: We may use cookies, pixel tags, local shared objects (Flash cookies), and other technologies for security and authentication purposes, to collect certain information when you visit and use our Services, to deliver online advertisements that we think would be more relevant to your interests, and to monitor interactions with our emails and online advertisements. For example, we may automatically collect certain non-personal information from you, including but not limited to your browser type and version, Flash version, operating system, Internet Protocol ("IP") address, or other unique identifiers ("Device Identifier") for the computer or mobile or other device you use to access the Services (collectively, "Device"). A Device Identifier is a number that is automatically assigned to your Device when you access a website or its servers, and our system identifies your Device by its Device Identifier. In addition, we may collect information about your browsing behavior, such as the date and time you visit a website, the page served, the preceding page views, and your activity on our Services.


Online and Mobile Advertising and California Do Not Track Disclosures: Most Devices allow you to modify your browser or operating system settings to be notified when a cookie is set, to reject all cookies, or to limit tracking for advertising purposes. However, please be aware that some features and services on our Services may not function properly or may be slower if you refuse cookies. In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests. You may occasionally get cookies from other third parties on our Services. We do not control these cookies. Note that our systems may not recognize Do Not Track ("DNT") headers from some or all browsers. To learn more about the use of cookies or other technologies to deliver more relevant advertising and to know your choices about not having this information used by Service Providers, please click here. On your mobile Device, you can adjust your privacy and advertising settings to control whether you want to receive more relevant advertising. For example, on iOS select "Settings" > "Privacy" > "Advertising" to adjust your settings. On Android select "Google Settings" > "Ads" to adjust your settings. In order to limit the acceptance of or disable Flash cookies, you must access the management panel of the Adobe Flash Player installed on your computer. To learn how to manage privacy and storage settings for Flash cookies, please click here.


Information Collected From Other Sources


We may also obtain information about you from other sources, including third party social networks that you use to connect with us. For example, when you "like", "follow" or otherwise connect with us on third party social networks we may have access to certain information about you from that social network, such as your profile name, profile picture, gender, photos, networks, username and user ID, list of friends, and comments, questions, and other posted content based on your privacy settings on that social network. We may combine this information with the information we collect from and about you to help us tailor our communications to you and improve our Services.


We may use the information we collect from and about you for any of the following purposes:


  • For security and authentication purposes;
  • To notify you of incomplete applications or registrations;
  • To respond to your inquiries;
  • To provide you and other users with customized content, targeted offers, and advertising on the Services, on other websites or applications, or via email;
  • To contact you with information, newsletters, and promotional materials;
  • To contact you when necessary;
  • To review the usage and operations of our Services and improve our content, products, and services;
  • To address problems with our Services or our business;
  • To manage our networks;
  • To protect the security or integrity of our Services and our business; and
  • As described to you at the point of collection.


SERVICE PROVIDERS


We may employ third parties to provide functions related to the Services ("Service Providers"). Service Providers will have access to your information to the extent necessary to perform their business functions, but we do not permit them to use the information for any other purpose.


INFORMATION DISCLOSURE
We may disclose the personal information we collect from and about you as follows: (1) to our Service Providers, if the disclosure will enable them to perform a business, professional or technical support function for us; (2) as necessary if we believe that there has been a violation of the Green Dot Site and Mobile Application Terms of Use or of our rights or the rights of any third party; (3) to respond to judicial process and provide information to law enforcement or regulatory agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (4) as described to you at the point of collection.


We may share aggregate or anonymous non-personal information with third parties.


Also, we may sell or purchase assets during the normal course of our business. If another entity acquires us or any of our assets, information we have collected about you may be transferred to such entity. In addition, if any bankruptcy or reorganization proceeding is brought by or against us, such information may be considered an asset of ours and may be sold or transferred to third parties. Should such a sale or transfer occur, we will use reasonable efforts to try to require that the transferee use personal information provided through the Services in a manner that is consistent with this Privacy Statement.


LINKS TO OTHER WEBSITES


The Services may have links to third-party websites or applications, which may have privacy policies that differ from our own. We are not responsible for the practices of such sites or applications.


OUR COMMITMENT TO CHILDREN'S PRIVACY


Protecting children's privacy is important to us. We do not direct our Services to, nor do we knowingly collect any personal information from, children under the age of thirteen.


OUR COMMITMENT TO DATA SECURITY


We have taken certain physical, administrative, and technical steps to safeguard the information we collect from and about our customers. While we make every effort to help ensure the integrity and security of our network and systems, we cannot guarantee our security measures.


ACCESS TO YOUR PERSONAL INFORMATION


If the Services allow you to create an account, you may sign in to your account to update your personal information stored by us.


IF YOU HAVE QUESTIONS


If you have any questions about this Technology Privacy Statement or the practices described herein, you may contact us at http://greendot.com/greendot/account/contact-us.


REVISIONS TO THIS STATEMENT


We reserve the right to revise this Technology Privacy Statement at any time. When we do, we will post the change(s) on our Services. If we change the Technology Privacy Statement in a material way, we will provide appropriate notice to you.



SITE AND MOBILE APPLICATION TERMS OF USE


PLEASE READ THESE SITE AND MOBILE APPLICATION TERMS OF USE CAREFULLY BEFORE ACCESSING OR USING THE WEBSITE OR MOBILE APPLICATION, DO NOT USE THE WEBSITE OR MOBILE APPLICATION IF YOU DO NOT AGREE TO THESE TERMS.


Last Updated: July 24, 2014


The following Site and Mobile Application Terms of Use ("Terms of Use") govern your access to and use of websites (each a "Site") and mobile applications (each an "App") owned and operated by Green Dot Corporation and its subsidiaries and affiliated companies ("Green Dot"), including any content, functionality and services offered on or through such Sites and Apps (collectively, the "Services"). Please note that if you are a cardholder, these Terms of Use are not intended to, and do not, modify or alter the terms of your Cardholder Agreement which governs your use of your prepaid debit card ("Card"). By accessing or using the Services, whether via computer, mobile device, or other technology, you represent that you are 18 years of age or older and you have read and agree to be bound by these Terms of Use in their entirety and all applicable laws, rules, and regulations governing your use of the Services. These Terms of Use may be amended by posting a new version on our Services, which version will be effective upon posting. If you do not agree to the new version of these Terms of Use, do not use the Services.


Registration; Accounts


As a condition of using certain aspects of the Services, you may be required to register for an account ("Account"). To register for an Account, you will: (1) provide true, accurate and complete information about yourself in the registration form; (2) maintain and promptly update such information; and (3) establish a username and password which you will keep secure. You agree not to provide access to your Account together with your user username and password to others. You are solely responsible for protecting the security of your Account on your device. Green Dot shall have no liability associated with or arising from your failure to maintain accurate registration information. You are responsible for all use of your Account and for ensuring that use of or access to your Account complies fully with these Terms of Use.


Privacy


Your use of the Services is governed by our Technology Privacy Statement and if applicable, the Privacy Policy applicable to your Card, which explain how we collect, store, share or otherwise use your personal information and non-personal information, and you consent to all actions we take with respect to your information consistent with our Technology Privacy Statement and Privacy Policy.


Proprietary Rights; Use of Content


The Services are owned and operated by Green Dot or licensors and/or third party service providers (the "Green Dot Parties"), and unless otherwise indicated, all designs, text, images, videos, graphics, software, and other content and materials appearing in the Services (collectively, "Content") are the property of Green Dot or the Green Dot Parties, and protected, without limitation, by U.S. and foreign copyright, trademark, and other intellectual property laws. All trademarks, service marks, trade names, logos, and other indicia of origin (collectively, "Marks") appearing on the Services are the property of Green Dot or the Green Dot Parties. You may not make any use of any Content or Marks without the prior written consent of Green Dot. No Content from the Services may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way.


If you download one or more of our Apps, Green Dot hereby licenses to you, on a revocable, non-exclusive, non-sublicenseable and otherwise non-transferable basis, and subject to the Terms of Use, the limited right to install, access, and use the App on a personal device owned or controlled by you, solely for your own personal, non-commercial use. All rights not expressly granted to you are reserved by Green Dot. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, loan, decompile, reverse engineer, dissassemble, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from an App, except for the purposes expressly provided herein, without Green Dot's prior written approval.


Your Conduct


In using or accessing the Services you agree: (1) not to use the Services or any of the Content contained herein, for any unlawful or fraudulent purpose; (2) not to "spam" others or "phish" for others' personal information; (3) not to create or use a false identity; (4) not to disrupt or interfere with the security of, "deeplink," attempt to obtain unauthorized access to, or otherwise abuse the Services; (5) not to disrupt or interfere with any other user's enjoyment of the Services; (6) not to use, frame, or utilize framing techniques to enclose any Marks or other proprietary information (including Content); (7) not to use meta tags or any other "hidden text" utilizing a Mark; and (8) not to use the Services in a manner that is defamatory, inaccurate, profane, threatening, invasive of a person's privacy, violative of any third party proprietary rights, or in violation of any law or regulation.


Third Party Websites and Services


The Services may contain links to third party websites and services over which Green Dot has no control. You acknowledge and agree that Green Dot does not endorse, verify, or make any representations regarding these third party websites and services and is not responsible for the availability of, and any liability arising from, any such third party websites and services. Green Dot is not liable to you or any other party for any loss or damage which may be incurred by you as a result of these third party websites and services. It is recommend that you carefully review any terms of use and privacy policy of any linked third party website before providing any information to that website or using its products and services.


Termination; Modification


Green Dot reserves the right, without notice and at its sole discretion, to suspend or terminate your ability to access or use the Services, and to block or prevent future access to and use of the Services for any reason. Green Dot may, in its sole discretion, terminate, change, modify, suspend, make improvements to or discontinue any or all aspects of the Services, temporarily or permanently, at any time with or without notice to you. You agree that Green Dot shall not be liable to you or to any third party for any such modification, suspension or discontinuance.


Disclaimer


THE GREEN DOT PARTNERS (DEFINED BELOW) MAKE NO REPRESENTATION OR WARRANTY IN CONNECTION WITH THE SERVICES OR CONTENT, ALL OF WHICH ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE GREEN DOT PARTNERS HEREBY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, WITH RESPECT TO THE SERVICES, CONTENT AND ANY THIRD PARTY WEBSITE OR SERVICE. THE GREEN DOT PARTNERS DO NOT WARRANT THAT THE SERVICES OR CONTENT WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OF THE SERVICES OR CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT TRANSMISSIONS OR DATA WILL BE SECURE, OR THAT THIS CONTENT, SERVICES, OR THE SERVER THAT MAKES THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE GREEN DOT PARTNERS DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE USE OR THE RESULTS OF THE USE OF THE SERVICES OR ANY CONTENT IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.


The Green Dot Partners will not be responsible for any delay, failure in performance, or interruption of service resulting directly or indirectly from acts of God, acts of civil or military authorities, civil disturbances, terrorism, wars, strikes or other labor disputes, fires, transportation contingencies, interruptions in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophes, or any other occurrences which are beyond the Green Dot Partners' reasonable control.


Limitation of Liability


IN NO EVENT AND UNDER NO CAUSE OF ACTION, INCLUDING, WITHOUT LIMITATION, NEGLIGENCE, SHALL ANY OF THE GREEN DOT PARTIES OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR CONTRACTORS (COLLECTIVELY, AND WITH THE GREEN DOT PARTIES, THE "GREEN DOT PARTNERS") BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES, CLAIMS, OR LOSSES INCURRED (INCLUDING, WITHOUT LIMITATION, COMPENSATORY, INCIDENTAL, INDIRECT, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES), HOWEVER CAUSED, AND UNDER ANY THEORY OF LIABILITY, EVEN IF A GREEN DOT PARTNER IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, CLAIMS, OR LOSSES, ARISING IN CONNECTION WITH: (1) THE SERVICES; (2) YOUR USE OR INABILITY TO USE THE SERVICES OR CONTENT; (3) ANY THIRD PARTY WEBSITE OR SERVICE USED IN CONNECTION WITH OR AVAILABLE THROUGH THE SERVICES; (4) UNAUTHORIZED ACCESS TO OR ALTERATION OR LOSS OF YOUR TRANSMISSIONS, DATA, OR OTHER INFORMATION THAT IS SENT OR RECEIVED IN CONNECTION WITH THE SERVICES; OR (5) ERRORS, SYSTEM DOWN TIME, NETWORK OR SYSTEM OUTAGES, FILE CORRUPTION, OR SERVICE INTERRUPTIONS.


NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, THE CUMULATIVE LIABILITY OF THE GREEN DOT PARTNERS TO YOU ARISING FROM ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU FOR ACCESS TO THE SERVICES. IF NO AMOUNTS WERE PAID, YOUR SOLE REMEDY UNDER THESE TERMS OF USE SHALL BE TO DISCONTINUE ANY USE OF THE SERVICES.


Indemnification


You agree to indemnify, defend and hold harmless the Green Dot Partners from and against any actual or alleged claims, demands, causes of action, judgments, damages, losses, liabilities, and all costs and expenses of defense (including, without limitation, reasonable attorneys' and other legal fees and costs) arising out of or relating to: (1) your violation of these Terms of Use or any law, rule, or regulation; (2) your use of the Services or any Content; (3) loss of any data or account information; and (4) any material sent by you to Green Dot. You will cooperate as fully and reasonably as required by Green Dot in the defense of any claim. Green Dot reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you will not in any event settle any claim without the prior written consent of Green Dot.


Governing Law


These Terms of Use shall be exclusively governed by and construed in accordance with the laws of the State of California excluding conflicts of law rules. Any dispute arising from these Terms of Use or the Services shall be resolved in the state or federal courts residing in Los Angeles, California and you irrevocably agree to the jurisdiction of such courts. Green Dot makes no representation that Content contained on the Services is appropriate or available for use in jurisdictions outside the United States, or that the Terms of Use comply with the laws of any other country. If any provision of these Terms of Use are deemed unlawful, void, or for any reason unenforceable, that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.


Export Control


The supply of goods, services and software through the Services is subject to United States export control and economic sanctions requirements. By acquiring any such items through the Services, you represent and warrant that your acquisition comports with and your use of the item will comport with those requirements. Without limiting the foregoing, you may not acquire goods, services or software through the Services if: (1) you are in, under the control of, or a national or resident of Cuba, Iran, North Korea, Sudan, or Syria or if you are on the U.S. Treasury Department's Specially Designated Nationals List or the U.S. Commerce Department's Denied Persons List, Unverified List, or Entity List; or (2) you intend to supply the acquired goods, services or software to Cuba, Iran, North Korea, Sudan, or Syria (or a national or resident of one of these countries) or to a person on the Specially Designated Nationals List, Denied Persons List, Unverified List, or Entity List.


Assignment


You will not assign (including without limitation by operation of law, change of control, or otherwise) your rights or licenses to the Services provided under these Terms of Use, either in whole or in part, without the prior written consent of Green Dot, and any attempted assignment contrary to the foregoing will be void and have no effect. We may assign all or a portion of our rights under these Terms of Use.


Waiver and Severability


No waiver of by Green Dot of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Green Dot to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.


If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.


Contact Us


Green Dot Customer Service, P.O. Box 1187, Monrovia, California 91017.




GREEN DOT PRIVACY POLICY


Rev. 2/2012

FACTS

WHAT DOES GREEN DOT CORPORATION 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
  • account transactions and purchase history
  • transaction history and overdraft history
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; the reasons Green Dot Corporation chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Green Dot Corporation 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 No We don’t share
For our affiliates’ everyday business purposes–
information about your transactions and experiences
No We don’t share
For our affiliates’ everyday business purposes–
information about your creditworthiness
No We don’t share
For nonaffiliates to market to you No We don’t share
Questions? Go to www.moneypak.com
What we do
How does Green Dot Corporation 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 Green Dot Corporation collect my personal information? We collect your personal information, for example, when you
  • Open an account or pay your bills
  • use your card or provide account information
  • give us your contact information
We also collect your personal information from 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
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Green Dot Corporation does not share with our affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial or nonfinancial companies.
  • Green Dot Corporation does not share 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.
  • Green Dot Corporation doesn’t jointly market.
Other important information
Depending on where you live, you may have additional privacy protections under state law. We will comply with applicable state laws before sharing nonpublic personal information about you. We may do this by sending a separate notice of those rights to you. For example, if you are a resident of California or Vermont, we will not share with nonaffiliates except for our everyday business purposes or with your consent.