Unirush values your trust and respects your expectation of privacy. We are committed
to maintaining the confidentiality of your personal financial information in accordance
with our established policies and in compliance with applicable law. This document
outlines the manner in which we collect, use and maintain the nonpublic personal
information we receive regarding you.
Visitors to Our Web Site. Visitors to our web site 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 collect certain limited information about visitors,
such as their IP address (a numeric address assigned automatically to computers
when they access the Internet). We also attempt to place “cookies” on
a computer to track a visitor’s use of our web site. 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. Our website is not directed at individuals under 18
years of age.
Our Collection and Use of Information About You. We collect nonpublic
personal information about you in order to administer our business, process your
transactions, understand your needs, and provide you with products and services.
We obtain nonpublic personal information about you from the following sources:
- Information (such as your name, Social Security number, postal address, email address,
telephone number and date of birth) you provide to us when applying and in requests
by telephone, through this web site, and through other channels.
- Information (such as your card balance, funds loading history, parties to transactions,
and card usage) about your transactions with us, joint marketers, or others; and
- Information we receive from other sources (such as a consumer reporting agency)
in the process of verifying your application information or other information required
in the decision process).
Our Disclosure of Information. We may disclose all of the information
we collect, as described above, to companies (including affiliates) that perform
services on our behalf, including those who assist us in preparing and distributing
cardholder communications, and responding to customer inquiries. We will also disclose
information about your card, membership, and transactions: (a) to service your account;
(b) where it is necessary or helpful to effect, process, confirm or enforce a transaction
you request or your membership rights and obligations; (c) to verify the existence
and availability of funds associated with your card; (d) to comply with legal process,
such as subpoenas and court orders; (e) to law enforcement authorities if we believe
a crime has been committed; (f) to our agents, service providers and auditors, and
(g) if you give us your consent. We may also disclose non public personal information
about you as permitted by law.
Other Disclosures. We may enter into arrangements with non-affiliated
parties, such as financial service providers, lenders, insurance providers and agencies,
card issuers, retailers and direct marketers, in order to provide you with special
offers that we believe may be of value to you. We may disclose contact information
to those parties who may want to offer their products and services to you, unless
you opt-out as described below.
Use of Agents. We may use an outside shipping company to fulfill
orders, and a card processing company to bill you for goods and services. These
companies do not retain, share, store or use personally identifiable information
for any other purposes.
Use of Service Providers. We use other third parties to provide
statistical tracking and advertising effectiveness for our web site. When you sign
up for Unirush services, we may share information such as your name and address
and other information as necessary for the third party to provide that service.
These third parties are prohibited from using your personally identifiable information
for any other purpose.
Choice/Opt-Out. As described in this privacy policy, we may use
nonpublic personal information about you for certain marketing and promotional activities,
including disclosure of such information to non-affiliated third parties. You have
the right to opt out of this use and disclosure of nonpublic personal information
at any time before or after you submit such information through one of the two following
methods:
By email: agent@rushcard.com
By Mail:
Unirush Financial Services
Attn: Cardholder Relations Center
P.O. Box 42482
Cincinnati, OH 45242
If you wish to change your opt-out status, you can do so by email at
agent@rushcard.com or by regular mail at the address above. You can also
change your opt-out status by calling 1 (866) RUSHCARD and speaking to a customer
service representative.
Special Notice for Vermont and California Residents. We will not
disclosure information about consumers with a Vermont or California mailing address
to unaffiliated third parties without your written authorization, unless otherwise
permitted by law. Disclosures that are permitted under Vermont and California law
without written authorization include, among others, disclosures necessary to effect,
administer or enforce a transaction you request; disclosures to our authorized agents
and service providers; disclosures permitted or required by law or disclosures to
prevent fraud or other illegal activities.
Written authorizations from Vermont residents may be delivered to us by mail at
P.O. Box 42482, Cincinnati, OH 45242, Attn: Cardholder Relations Center or by email
at agent@rushcard.com. Vermont authorizations
must contain your name, address and signature and your authorization to disclose
your information to nonaffiliated parties. You may revoke your consent at any time
by sending us written notice by mail or email at the addresses above.
California residents should contact us at the addresses provided above for instructions
on how to deliver their authorizations.
Communications from our Web Site. We will occasionally send you
information on new products, features or promotions. Out of respect for your privacy,
we present the option not to receive these types of communications. Please see the
“Choice and Opt-out” section above.
In addition, we may also send you strictly service-related announcements on rare
occasions when it is necessary to do so. For instance, if our service is temporarily
suspended for maintenance, we might send you an email. Generally, you may not opt-out
of these communications, which are not promotional in nature. If you do not wish
to receive them, you have the option to deactivate your account.
Information Security. We restrict access to nonpublic personal
information about you to our employees who have a need to know such information
(e.g., to process your transactions). We train our employees on the importance of
customer privacy and confidentiality. We also maintain physical, electronic, and
procedural safeguards that comply with federal standards to guard the nonpublic
personal information of our customers.
The security of your personal information is important to us. When you enter sensitive
information (such your Social Security number) on our registration or order forms,
we encrypt that information using secure socket layer technology (SSL).
Links to Other Web Sites. Our web site may feature links to third
party web sites that offer goods, services or information. Some of these sites may
appear as windows-within-windows at our web site. 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 web
sites 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.
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.
Maintaining Accurate Information. We have a process in place that
helps us to maintain the accuracy of the personally identifiable information that
we collect. Please visit our web site at
http://www.rushcard.com to review and correct information about yourself,
such as a change in your name or contact information. If you believe that our information
is inaccurate or incomplete, you also can contact us at the number or address listed
at the end of this document and ask us to correct or update our information.
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 web site or any service following such notification will constitute
evidence of your agreement to the revised Policy.
Questions. If you have any questions regarding this privacy policy,
you can email us at agent@rushcard.com or
write to us at:
Unirush Financial Services
Attn: Cardholder Relations Center
P.O. Box 42482
Cincinnati, OH 45242