When you visit our website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.
If you open an account, we collect the following types of information from you:
Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.
When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.
Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.
When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.
We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don’t need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.
We also use longer-lasting cookies for other purposes such as to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.
We encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website.We may also collect information about your computer or other access device to mitigate risk and for fraud prevention purposes.
Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.
We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:
In the case where we process any payments for you, and in order to process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified users, and whether you have verified control of a bank account are provided to other users who you transact with through our site.
If you are buying goods or services and pay through our site, we may also provide the seller with your confirmed credit card billing address to help complete your transaction with the seller. The seller is not allowed to use this information to market their services to you unless you have agreed to it. If an attempt to pay your seller fails, or is later invalidated, we may also provide your seller with details of the unsuccessful payment. To facilitate dispute resolutions, we may provide a buyer with the seller’s address so that goods can be returned to the seller.
We work with merchants to enable them to accept payments from you using our site. In doing so, a merchant may share information about you with us, such as your email address, when you attempt to pay that merchant. We use this information to confirm to that merchant that you are a customer of ours and that the merchant should enable us as a form of payment for your purchase. Also, if you request that we validate your status as a customer with a third party, we will do so. Please note that merchants you buy from and contract with have their own privacy policies, and we may not be held responsible for their operations, including, but not limited to, their information practices.
Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through our site, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.
We may share your personal information with:
We will not sell or rent any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described in this policy.
If you open an account directly on a third party website or application, any information that you enter on that website or application (and not directly on our website) will be shared with the owner of the third party website or application.
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 to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:
If you do not want us to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the Profile subtab under the My Account tab.
You can also control how we use your contact information to market our services to you in the notifications preferences.
You can review and edit your personal information at any time by logging in to your account and clicking the Profile subtab under the My Account tab.
If you have questions or concerns regarding this policy, you should contact us by writing to us at uPublic, Attn: Privacy Department, 907 Third Street NW, Albuquerque, New Mexico 87102.