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Introduction

Protecting the privacy of Fanbank's users is important to Fanbank. We have developed this Privacy Policy to describe how we may collect, retain, process, share and transfer your Personal Information when you visit our Site or use our Services.  This Privacy Policy applies to your Personal Information as you use our Site and our Services and does not apply to online websites or services that we do not own or control.

 

This Privacy Policy is designed to help you obtain information about our privacy practices and to help you understand your privacy choices when you use our Sites and Services. 

 

Definitions

“Account” means a Fanbank Participant member account.

 

Campaign” shall mean advertising, promotional or marketing campaigns featuring a variety of programs which enables allows Participants to Link registered Payment Cards via the Collinson Platform in order to have loyalty rewards credited to their Loyalty Accounts.

 

Collinson” means Collinson CLO, Inc. or such other data aggregator that Fanbank may contract with to provide to Fanbank certain data matching transactions between the Merchant and Participants.

 

“Collinson Platform” shall mean Collinson’s technology and platform (including software, servers, and associated user interface) by which Collinson matches Participant’s registered Payment Card transactions with Merchants, and transmits Transaction Data.

 

Collinson Services” shall mean the Loyalty Transaction Matching services and transmission of Transaction Data to Fanbank to be performed by Collinson to Fanbank as enabled by the Collinson Platform.

 

FanCoin” means a virtual denomination that represents Participant’s loyalty points issued by or on behalf of Merchant to Participant to reward Participant for engaging in Merchant prescribed behavior.

 

FanStore” means a virtual store populated with Merchant’s and, where applicable, certain third party rewards (goods, services and experiences) which can be redeemed by Participant using Rewards.

 

Financial Institutions” shall mean those financial services institutions that have arrangements with Collinson Group to facilitate the validation of Redemptions, including, without limitation, payment network partners (such as American Express, MasterCard and VISA).

Link” (and variations thereof) shall mean the act of connecting a Loyalty Program with a Payment Card registered with Collinson Group so as to allow tracking and validation of Redemptions and transmission of Loyalty Transaction Matching information.

 

Loyalty Account” shall mean a Participant’s Loyalty Program account in which Participant’s Rewards are credited

 

Loyalty Program” shall mean a variety of Reward programs that incentivizes Participants to engage in desired and repeated purchasing behavior, or other behavior prescribed by Merchant, through Rewards or other benefits.

 

Loyalty Transaction Matching” shall mean the validation of qualifying Participant transactions executed with Merchants using a Payment Card and transmitting relevant Transaction Data to Fanbank to complete the process for crediting Rewards to Loyalty Accounts.

 

“Merchant” shall mean a merchant business participating in the Fanbank Program.

 

Participant(s)” shall mean a user, consumer, or customer of a Merchant who has registered for the Loyalty Program and uses his or her Payment Card for the purposes of earning Rewards.

 

“Personal Information” means personal information that can be associated with an identified or identifiable person.  “Personal Information” can include name, postal address (including billing and shipping addresses), telephone number, email address, payment card number, other financial account information, account number, date of birth, and government-issued credentials (e.g., driver’s license number, national ID, passport, Social Security number and Taxpayer ID).  

 

Participant Data” shall mean Participant data collected from the promotion of Loyalty

Programs and related Campaigns from a Party’s respective websites and platforms.

 

Payment Card” shall mean any eligible registered payment card, debit card or credit card issued by Financial Institutions and supported by the Collinson Services. Most credit and debit cards with a logo from MasterCard®, Visa® or American Express® are eligible for participation. Refer to the Program Terms of Service for further details on eligibility of cards.

 

“Process” means any method or way that we handle Personal Data or sets of Personal Data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, and consultation, disclosure by transmission, disseminating or otherwise making available, alignment or combination, restriction, erasure or destruction of Personal Data.

 

“Program” shall mean variety of activities deployed by Fanbank on behalf of participating Merchants designed to leverage social media, promotions, automated communications, data, Rewards, and incentives to increase consumer awareness of participating Merchants and motivate consumers, and to purchase goods and services at participating Merchants.

 

“Qualified Transaction” shall mean all transactions made by Participants using their eligible Payment Card at participating Merchants.

 

Redemption” (and variations thereof) shall mean the act of consummating a purchase of goods or services in accordance with the terms and conditions of a Loyalty Program Campaign with the use of a Payment Card to which it is Linked.

 

Redemption Value” shall mean the value of the discount, rebate or other benefit of a validated Redemption.

 

Rewards” shall mean FanCoin, goods, services, experiences, gift codes and such other incentives as Fanbank may offer Participants from time to time for such Participant’s participation in the Loyalty Program.

 

“Services” means any products, services, content, features, technologies, or functions, and all related websites, applications and services offered to you by Fanbank for participation in the shop local rewards program. 

 

“Sites” means the websites, mobile apps, official social media platforms, or other online properties through which Fanbank offers the Services.  Fanbank’s website address is www.fanbank.com.

 

Third Party Providers” shall mean third party service providers (including Collinson), publishers, resellers, contractors, agents, and Financial Institutions used by Fanbank and/or Collinson during the course of this Agreement.

 

Transaction Data” shall mean all Qualified Transaction data relating to Campaigns, including Linking, Redemption, Loyalty Transaction Matching data related thereto, collected by Collinson.

Please contact us by email at info@fanbank.com if you have questions about our Privacy Policy.

“User” means an individual who uses the Services or accesses the Sites and has established a relationship with Fanbank by enrolling and agreeing to the program Terms of Use. 

Fanbank Program

Fanbank, Inc. operates the Fanbank shop local rewards programs and owns and operates the www.fanbank.com website. We invite Participants to visit our website and register for a Fanbank shop local rewards program to begin earning a variety of Rewards offered to Participants through our Program in exchange for patronage with our Merchants.

When using the Program, you agree that you are subject to any additional posted guidelines, rules, terms and conditions applicable to such use of the Program, which are hereby incorporated by reference into this Agreement.

Fanbank enters into agreements with locally owned, independent business. These Merchants agree to participate in the Fanbank Program and Fanbank provides various Campaigns and Rewards on the Merchant’s behalf as an incentive to make purchases. Participants register their credit and debit cards through the Fanbank platform and agree to transaction monitoring via Fanbank’s third party partners including Collinson. When Participants use their registered Payment Card to make transactions at participating Merchants or through the Fanbank platform, Fanbank uses Transaction Data to redeem offers and provide Rewards. Fanbank receives the Participants’ Qualified Transactions from a data processor who has security qualifications meeting exacting standards of the Payment Card Industry (“PCI Compliant”).

Personal Information Collected by Fanbank

Fanbank will collect information from you when you register with us, visit our Site and make purchases at Fanbank Merchants. This information may include:

a.     Enrollment Information

When you enroll in our card rewards program or provide updates to your profile, we will collect information including your name, address, email address and any other contact information (collectively, your “Personal Information"). 

b.     Transaction Data

By registering a Payment Card (e.g., elifible debit card or credit card), you authorize Fanbank to share your Payment Card information with the applicable payment network(s) (such as MasterCard, VISA, and American Express) so they know you enrolled, in addition to Collinson CLO, Inc., which acts as our service provider in making available offers linked to your Payment Card. You authorize the applicable payment network(s) and Collinson CLO, Inc. to monitor transactions on your registered card(s) to identify qualifying purchases in order to determine whether you have qualified for or earned an offer linked to your Payment Card, and for the payment networks, including MasterCard, VISA and American Express, to share such transaction details with Collinson CLO, Inc. and Fanbank to enable the Program. For additional information regarding Collinson CLO, Inc.'s privacy practices, please see the Collinson CLO, Inc.'s Privacy Policy. You may opt-out of transaction monitoring on specific card(s) you have registered by logging into your account at www.fanbank.com, selecting "Manage My Cards" from the menu, and removing your desired card.

 

If you are a resident of the State of California, under California Civil Code sections 1798.83-1798.84, you have the right to request notice identifying the categories of personal information that Fanbank shares with our affiliates and/or third parties for direct marketing purposes. Since Fanbank does not share personal information with affiliates or third parties for direct marketing purposes, we are exempt from this requirement.

 

How Fanbank uses your Personal Information

Fanbank will use your Personal Information to administer Fanbank's shop local rewards Program, including, without limitation, sending you emails regarding your account.

 

Notwithstanding anything to the contrary in these Terms of Service or the Fanbank Privacy Policy, Fanbank and its Third Party Service Providers (including Collinson CLO) will use Transaction Data solely as follows:

·      Use transaction data to confirm a Qualified Transaction or return to match transactions to confirm whether you qualify for a statement credit, offer or Reward;

·      Share transaction data with the participating Merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or Rewards should be awarded; for example, the date and amount of your purchase and the last 4 digits of your card number so the Merchant can verify your purchase with its records if there is a missing or disputed transaction;

·      Provide Merchants or Third Party Service Providers aggregated and anonymized information relating specifically to eligible card activity solely to allow participating Merchants and Third Party Service Providers to assess the results of their campaign;

·      Create a record of the transaction data and thereafter maintain and use data in connection with operating the Program;

·      Conduct analysis for the improvement and optimization of the Program; and

·      Provide information in order to respond to a request from government authority or a payment organization involved in a transaction with you or a merchant.

·      You authorize the sharing, exchange and use of transaction data described above and herein by and among Fanbank and Fanbank’s Third Party Service Providers, applicable Payment Card Networks and applicable Merchants.

 

Fanbank will not sell or otherwise deliberately provide your Personal Information to anyone unrelated to Fanbank for soliciting you for products or services unrelated to the Program, except as allowed by you through opt-in requests made on the Fanbank Website. Fanbank may also disclose some or all your Personal Information as required by court order or other legal demand or as required by federal, state, or local laws, rules, and regulations.

 

Additionally, Fanbank may use your Personal Information as follows to support our Site and the Services we offer:

  • to protect security and integrity;
  • to help troubleshoot and address technical issues;
  • to facilitate internal reviews for process and compliance assurances;
  • to help plan for improvements and the development of new services;
  • and to contact you if necessary, or at your request.

 

Administering the Program 

In administering the Program, Fanbank will share your Personal Information with selected third parties for the sole purpose of transaction tracking to properly and securely measure your purchases to determine proper reward achievement. Such third-party tracking will include all transactions made at participating Fanbank Merchants, the results of which may be shared with these Merchants. Your earned rewards can be found by logging into your account at www.fanbank.com. Fanbank may also use aggregated reward statistics to help Merchants improve their offers to Fanbank Participants.

 

Collinson CLO, Inc. Collinson CLO, Inc. is a third-party service provider utilized by Fanbank to link available offers to your Payment Card(s). Collinson CLO, Inc. monitors transactions on your registered Payment Card(s) to identify qualifying purchases to determine whether you have qualified for, or earned, Rewards linked to your Payment Card. For more information on Collinson CLO, Inc., please see Collinson CLO, Inc.'s Terms of Service and Collinson CLO, Inc.'s Privacy Policy.

 

In the event you want Fanbank to cease using your information and thereby cancelling use of our Services, please contact us at info@fanbank.com.  Fanbank will retain your Personal Information in accordance with our Data Retention disclosure provided in this Policy.

 

Privacy Policy Changes 

Changes to this Privacy Policy will be made from time to time and shall be kept current on Fanbank's Web Site. We may change this Privacy Policy at any time without notice. If you have any questions or comments regarding our privacy statement or policies, you may contact us by email at info@fanbank.com.

 

Data Retention

We securely retain Personal Information for business administration purposes and to fulfill legal or regulatory obligations as may be required.  It may be necessary to retain Personal Information for longer periods than required by law, provided it is not prohibited by law and is in the best interests of Fanbank’s business.  We will continue to protect, use and disclose such Personal Information as described in our Privacy Policy and amendments from time to time.

 

Protection of Children’s Privacy.

Children’s privacy is a high priority in all industries.  Because our Services are not directed to or intended for use by children under the age of 18, Fanbank does not collect personal information from children under 18 on the Site, either intentionally or knowingly. If you are aware that Fanbank has inadvertently collected information from a child under 18, please contact us at info@fanbank.com immediately.

 


 

Consumer Privacy Notice

This Consumer Privacy Notice applies to you if you are an individual who resides in the United States and uses our Sites or Services for your own personal, family or household purposes.

                                                                                                                                                     

FACTS

WHAT DOES FANBANK 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, employment information, assets and income

·       Account balance 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; the reasons Fanbank chooses to share; and whether you can limit sharing.

 

 

 

Reasons we can share your personal information:

Does Fanbank share?

Can you limit 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 credit worthiness

No

We don’t share

 

For our affiliates to market to you

No

We don’t share

 

For non-affiliates to market to you

No

We don’t share

 

Questions?

Email us at info@fanbank.com, go to www.fanbank.com, or call us at (800) 853-4401.

 

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Who we are

 

Who is providing this notice?

Fanbank, Inc.

What we do

How does Fanbank 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 Fanbank collect my personal information?

We collect your personal information, for example, when you

·       Enroll in our Services

·       Link your credit or debit card or give us your contact information

·       Update your profile information with Fanbank

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

·       Affiliates from using your information to market to you

·       Sharing of 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, for example affiliated financial service providers, such as insurance agents, dealers that you have requested credit from and savings institutions.

·       Fanbank does not share with its affiliates

Nonaffiliates

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

·       Fanbank does not share with nonaffiliates so that they can market to you

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

·       Fanbank does not jointly market

Other Important Information

Notice to California Residents: Residents of the State of California have the right to request from companies conducting business in California a list of all third parties to which the company has disclosed personal Information during the preceding year for direct marketing purposes.  Alternatively, the law provides that if the company has a privacy policy that gives either an Opt-out or Opt-in choice for use of your personal Information by third parties for marketing purposes, the company may instead provide you with information on how to exercise your disclosure choice options.  Fanbank does not share information with affiliates for direct marketing purposes. 

To request further information, please send a request to: info@fanbank.com