The following sets forth the policies for the collection and use of personally identifiable information ("Personal Information") by Municipal Cards LLC (“COMPANY”) in connection with the Estate Card Rewards Program and MyEstateCard.com website (the "Website") and its offline operations (the Site and offline operations together are known as the "Business") and supersedes any previous statement of such policies. Capitalized terms not otherwise defined herein shall have the meaning given such term in the Estate Card Rewards Program Membership Agreement.
This Website and Business is operated in the United States and all information that we maintain is stored in the United States. If you live outside of the United States, you understand and agree that we may transfer your information to the United States and that the Website is subject to U.S. laws, which may not afford the same level of protection of those in your country.
COMPANY knows that Your Personal Information is important and COMPANY respects that importance and treats that information in a commercially reasonable manner. COMPANY has created the below policy to explain the types of information it collects from users, how it uses this information, with whom and for what purposes it shares the information, and how Users can interact with COMPANY in connection with the information collection and use.
COMPANY takes its obligations regarding privacy very seriously and it wants to ensure Users are fully informed about the Information they are providing to it.
Acknowledgement and acceptance of terms
Participating Merchant Policies
Related services and offerings with links from the Website, including vendor sites, have their own privacy statements that can be viewed by clicking on the corresponding links within each respective website. Merchants and others who participate in the Estate Card Rewards Program are encouraged to participate in industry privacy initiatives and to take a responsible attitude towards consumer privacy. However, since we do not have direct control over the policies or practices of participating Merchants and other third parties, we are not responsible for the privacy practices or contents of those sites. We recommend and encourage that you always review the privacy policies of Merchants and other third parties before you provide any Personal Information or complete any transaction with such parties.
Information We Collect
COMPANY collects certain information from and when you:
- Sign up for an account
- Update your information in your account
- Visit our Website
- Use our mobile app
- Use our browser extension
- Contact customer support
- Use one of our cards for a financial transaction Company also collects certain information from and about its users: directly from our web server logs, cookies and Card Issuer. We never sell any personal data we collect to any third part source, so you can rest assured that the only purpose of collecting the information below is to better serve your needs.
Web Server Logs
When you visit our Website, we may track information to administer the site and analyze its usage. Examples of information we may track include:
- Your Internet protocol address.
- he kind of browser or computer you use.
- Number of links you click within the site.
- State or country from which you accessed the site.
- Date and time of your visit.
- Name of your Internet service provider.
- Web page you linked to our site from.
- Pages you viewed on the site.
One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, if you personalize a web page, or navigate within a site, a cookie helps the site to recall your specific information on subsequent visits. Hence, this simplifies the process of delivering relevant content and eases site navigation by providing and saving your preferences and login information as well as providing personalized functionality.
COMPANY reserves the right to share aggregated site statistics with partner companies but does not allow other companies to place cookies on our website unless there is a temporary, overriding customer value (such as merging into the Website a site that relies on third-party cookies).
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you reject cookies by changing your browser settings, then be aware that this may disable some of the functionality on our Website.
When you register for the Estate Card Rewards Program, we will request some Personal Information such as name, email, address and other relevant information. You may also be asked to disclose Personal Information to us so that we can provide additional assistance to you, for example, to provide online technical support and troubleshooting.
When you use one of our cards, for example to make purchases from merchants, we receive information about the transaction, as well as other information associated with the transaction.
How We Use Your Information
We will not disclose personally identifiable information we collect from you to any third parties without your permission except to the extent necessary:
- To provide services
- To fulfill your service requests for services
- To provide such information to the Card Issuer
- To provide such information to tax payment vendor/s and or taxing entity
- To protect ourselves from liability
- To respond to legal process or comply with law
- In connection with a merger, acquisition, or liquidation of the company
- With other members of the Company corporate family to among other things, provide the services you have requested or authorized; to manage risk; to help detect and prevent potentially illegal and fraudulent acts and other violations of our policies and agreements.
- With third-party service providers that perform services and functions at our direction and on our behalf.
- With other financial institutions that we have partnered with to jointly create and offer a product or service.
- With the other parties to a transaction when you use your card, such as local merchants.
We may share your personal identifiable information:
We may use and disclose non-Personal Information for any number of reasons, including but not limited to, working with business partners and improving our services.
Use of Web Beacons or GIF files
The Website's Web pages may contain electronic images known as Web beacons - sometimes also called single-pixel gifs - that allow the Website to count users who have visited those pages and to deliver co-branded services. The Website may include Web beacons in promotional e-mail messages or newsletters in order to determine whether messages have been opened and acted upon.
Some of these Web beacons may be placed by third party service providers to help determine the effectiveness of our advertising campaigns or email communications. These Web beacons may be used by these service providers to place a persistent cookie on your computer. This allows the service provider to recognize your computer each time you visit certain pages or emails and compile anonymous information in relation to those page views, which in turn enables us and our service providers to learn which advertisements and emails bring you to our website and how you use the site. The Website prohibits Web beacons from being used to collect or access your Personal Information.
Accessing Web Account Information
We provide you with the means to ensure that personally identifiable information in your web account file is correct and current. You can review and change the personal information we maintain in the Personal Information section under the My Account tab after logging in.
Social Network Features
When you sign up, you have the option to opt into receiving email updates and special offers. If you do opt in and later wish to opt out, you can do so at any time using the unsubscribe button at the bottom of any email you receive from us. This will remove your name permanently from our email distribution list. You can also select to stop receiving promotional emails by logging into your My Profile section of the My Account and updating your "Email Notifications and Newsletter Subscription" setting. Even if you opt out of getting marketing messages, we will still send you transactional messages. These include responses to your questions.
Web Analytics Service
This site uses a third-party analytics system to help improve usability and customer experience. Mouse clicks, mouse movements and scrolling activity may be recorded. Non-sensitive keystroke information that you voluntarily enter on this website may also be recorded. You can choose to disable these features here. Note, by disabling this feature you will also be disabling other features such as 1-to-1 support chat.
Our Website and/or Services are designed for people at least 18 years of age. We do not knowingly collect information from or about children under 13 years of age and use of our services by children under 13 years of age is forbidden.
California Privacy Rights
In performing COMPANY’s Service for its Users, COMPANY operates as a “Service Provider” under Cal. Civ. Code § 1798.100, otherwise known as the “California Consumer Privacy Act of 2018” or “CCPA”. In fulfilling its obligations to our Users as a Service Provider, COMPANY may process certain Personal Information under instruction from our Users to fulfill a legitimate “Business Purpose” under the CCPA. COMPANY does not disclose or resell Personal Information for any other commercial purpose, except in certain cases where the Personal Information has been pseudonymized or is considered aggregated consumer information. Subject to applicable exceptions under the CCPA, COMPANY will delete Personal Information of a consumer from its records upon the direction of its user in response to a consumer’s verifiable request to delete Personal Information. In the event COMPANY receives such a request directly, it will forward it to the respective User without delay and shall not take further action until such time as directed by User. If you are a California consumer and you have any questions regarding our role as a Service Provider or would like to request information regarding the disclosure of Personal Information about you by COMPANY to third parties for the third parties’ direct marketing purposes, please complete and submit the Access Request Form or send an email to firstname.lastname@example.org.
How We Safeguard Your Information
We use administrative technical and physical security measures to protect your Personal Information. These measures include computer safeguards and secured files and facilities. We take reasonable steps to securely destroy or permanently de-identify Personal Information when we no longer need it. We will keep your Online Information only as long as we must to deliver our products and services, unless we are required by law or regulation or for litigation and regulatory investigations to keep it.
Changes to this Statement
COMPANY has the discretion to occasionally update this privacy statement. When we do, we will also revise the "updated" date at the top of this Privacy page. We encourage you to periodically review this privacy statement to stay informed about how we are helping to protect the Personal Information we collect. Your continued use of the service constitutes your agreement to this privacy statement and any updates.
If you have questions regarding our Privacy Statement, its implementation, failure to adhere to this Privacy Statement and/or our general practices, please contact us via the form on the help page on our Website.
The Website will use commercially reasonable efforts to promptly respond and resolve any problem or question.