Privacy Policy

eLuxe Financial™ is a prepaid solutions provider that specializes in stored value and prepaid card programs. Organizations through a direct contractual relationship, use our solutions to offer a wide variety of stored value products to consumers and employees (hereafter "consumer" or "you").

eLuxe Financial™ complies at all times with all applicable Federal and state laws, rules or regulations. eLuxe Financial™ takes privacy and data protection issues seriously. We have designed this Privacy Policy to explain how we handle personally identifiable information collected from consumers who register for services and submit information to eLuxe Financial™ through the Internet. Currently, this Online Privacy Policy Statement is only applicable to customers and visitors in the United States who visit our site.

As the eLuxe Financial™ services evolve, we may revise this policy from time to time.

If you have questions about eLuxe Financial™ privacy practices please contact us.

Scope of this Privacy Policy

• Information Collection and Use
• Information Sharing and Disclosure
• Information Security
• Account Information and Preferences
• Notice for non-United States Users
• Changes to this Privacy Policy
• Tips for Consumers

This Privacy Policy covers eLuxe Financial™'s treatment of personally identifiable information collected from consumers who use the eLuxe Financial™ services, as well as consumer information that we acquire in the course of our business. This Policy also covers the treatment of personally identifiable information that eLuxe Financial™'s business partners may share with it.

This Policy does not apply to the practices of companies that eLuxe Financial™ does not own or control, or to people that eLuxe Financial™ does not employ or manage.

Information Collection and Use

eLuxe Financial™ collects personally identifiable information when you register for an eLuxe Financial™ account, and when you use certain eLuxe Financial™ products and services. eLuxe Financial™ may also receive personally identifiable information from its resellers and other business partners.

When you register with eLuxe Financial™, we ask for your contact information (such as your name, street address and e-mail address), as well as certain information pertaining to your business, along with billing information such as a bank account and/or credit card number.

In the course of processing a payment transaction, we typically receive from the marketer or financial institution information related to the transaction. This normally includes information about the payment that a consumer has furnished the marketer or financial institution in placing the order. We do not acquire any information directly from consumers through the www.eLuxeFinancial.com Web site.

The personally identifiable information we acquire in providing stored value and payment transactions varies according to the nature of the transaction and the way in which consumers or financial institutions are using our stored value and payment services. It may include, for example, the amount of the transaction, the consumer's name, credit card number and expiration date, checking account number, billing address, and shipping address. All information is handled through our processing partners.

eLuxe Financial™ uses the information collected to fulfill your requests for certain products and services, to process payment transactions, to facilitate billing, and otherwise deliver the payment gateway services. We may also send consumers service announcements, newsletters, and periodic notices about specials and new products. Personally identifiable consumer information is used to process stored value and payment transactions and for no other purpose.

eLuxe Financial™ does not offer services or sell products to children. eLuxe Financial™ does not request or knowingly collect personally identifiable contact information from anyone under the age of 13.

Use of Cookies

A "cookie" is a small text file placed on your computer’s hard drive by a Web server and which is acknowledged by your web browser. We use cookies for a variety of purposes, including, but not limited to the following:

• To assist us in providing our services to you
• To allow you to change pages during your visit to our website without repeatedly having to re-enter your password
• To track activity on our web site
• To determine whether you came to our site from a banner ad or an affiliate website

You can usually set pppolicy.htmlarameters on your computer that allow you to elect to accept cookies or to have your browser notify you each time a cookie is offered. You can also usually delete cookies from your hard drive. Instructions on how to accept cookies, on how to be notified that a cookie is being offered and on how to delete cookies are available through your Internet Browser.

Information Sharing and Disclosure

Protecting personally identifiable information about consumers is an important part of our business. We share and disclose such information only as described below.

eLuxe Financial™ will send personally identifiable information about you to other companies or people when we:

1. have your consent to share the information;
2. need to share your information to provide the product or service you have requested;
3. need to send the information to companies who work on behalf of eLuxe Financial™ to provide a product or service to you (unless we tell you differently these companies do not have any right to use the personally identifiable information we provide them beyond what is necessary to assist us).

Personally identifiable consumer information is shared with third parties (such as banks and credit card processors) to the extent necessary for eLuxe Financial™ to deliver stored value and payment processing services.

We also may release personally identifiable information when we believe release is appropriate to comply with law; enforce or apply our agreements; or protect the rights, property, or safety of eLuxe Financial™, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and risk reduction.

In the event that eLuxe Financial™ is acquired, distributor account information may be one of the transferred assets.

Information Security

Information security is critical to our business. We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input. We store information gathered on secure computers located in a locked data center. The number of employees involved in the management of the data center that have physical access to these computers is limited. We use firewalls and other security technology to prevent our computers from being accessed by unauthorized persons.

We also require that any personally identifiable consumer information sent to us by you be encrypted using SSL encryption. To learn more about SSL, go to: http://webopedia.internet.com/TERM/S/SSL.html.

It is important for you to protect against unauthorized access to your Login ID/password and to your computer. Be sure to sign off when finished using a shared computer and otherwise protect the password used to access the eLuxe Financial™ services.

Account Information and Preferences

eLuxe Financial™ gives you the ability to edit your eLuxe Financial™ User Profile at any time by using the Consumer Interface’s Change User Profile option of the Services section or by contacting us.

Notice for non-United States Users

eLuxe Financial™ is located in the United States. Any information that you provide to eLuxe Financial™ will be transferred out of your country to the United States. By providing personal information to us, you are consenting to its storage and use as described herein.

Changes to this Privacy Policy

eLuxe Financial™ reserves the right to modify or amend this Privacy Policy at any time and for any reason. If there are material changes to this statement or in how eLuxe Financial™ will use personally identifiable information, eLuxe Financial™ will post notice on the eLuxe Financial™ home page at www.eLuxeFinancial.com prior to implementing the change. If you have additional questions about this Policy, please contact us.

Tips to Protect Your Information

eLuxe Financial™ works hard to keep your information secure. You can help by following these tips to protect your information:

• Store personal information in a safe place and tear up or shred old receipts and account statements before throwing them away.
• Protect your Personal Identification Numbers (PINs) and other passwords. Do not share them with anyone unless it's for a service or transaction you request and you are confident the other party will protect the information as you would.
• Carry only the minimum amount of identifying information you require.
• Pay attention to billing cycles and statements. Inquire if you do not receive a bill.
• Check account statements carefully to ensure all charges, checks, or withdrawals are authorized.
• Guard your mail from theft. Do not leave bill payment envelopes in your mailbox with the flag up. Instead, deposit them in a post office collection box or at the local post office. Promptly remove incoming mail.
• Order copies of your credit report from each of the three major credit bureaus once a year to ensure they are accurate.
• If you believe you are a victim of identity theft take immediate action and keep records of your conversations and correspondence. While the steps you must take will vary with your individual circumstances, three basic actions are appropriate in almost every case:
  • Contact the creditors for any accounts that have been tampered with or opened fraudulently.
  • Contact the fraud departments of each of the three major credit bureaus:
  • Equifax: 1-800-525-6285 / P.O. Box 740241, Atlanta, GA 30374-024
  • Experian: 1-888-397-3742 /P.O. Box 9532, Allen, Texas 75013
  • Trans Union: 1-800-680-7289 / P.O. Box 6790, Fullerton, CA 92834
  • File a report with your local police or the police in the community where the identity theft took place and get a copy of the police report.

Although many consumers appreciate the convenience and customer service of direct marketing:

• If you prefer not to receive pre-approved offers of credit, you can opt out of such offers by calling 1-888-5-OPT OUT.
• If you want to remove your name from many national direct mail lists, send your name and address to:

• If you want to reduce the number of telephone solicitations from many national marketers, send your name, address and telephone number to:

From "ID Theft: When Bad Things Happen to Your Good Name", Federal Trade Commission, November 2003

MetaBank
Privacy and Data Protection Policy
(i) Information We Collect (“Cardholder Information”):
(a) Information about purchases made with the Card, such as date of purchase, amount and place of purchase.
(b) Information you provide to us when you apply for a Card, or for replacement Cards or when you contact us with customer service issues, such as name, address, phone number.

(ii) Information Security:  Only those persons who need it to perform their job responsibilities are authorized to have access to Cardholder Information.  In addition, we maintain physical, electronic and procedural security measures that comply with federal regulations to safeguard Cardholder Information.

(iii) Disclosure:  We may use Cardholder Information to provide customer services, to process claims for lost or stolen Cards, to develop marketing programs, to help protect against fraud and to conduct research and analysis.  In addition, it is often necessary for us to disclose Cardholder Information for the same purposes to companies that work with us.  For example, we may provide certain Cardholder Information to companies that perform business operations or services, including marketing services, on our behalf.  We may also provide certain Cardholder Information to others as permitted by law, such as government entities or other third parties in response to subpoenas.

16.  Telephone Monitoring/Recording
From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.

17.  No Warranty Regarding Goods and Services
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.

18.  Arbitration
(a) Purpose:  This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) may be arbitrated instead of litigated in court.
(b)  Definitions:  As used in this Arbitration Provision, the term “Claim” means any claim, dispute or controversy between you and us arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Provision or the Agreements.  “Claim” includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity.  The term “Claim” is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any Additional Cardholders designated by you; (ii) the amount of Available Funds on the Cards; (iii) advertisements, promotions or oral or written statements related to the Cards, goods or services purchased with the Cards; (iv) the benefits and services related to the Cards; and (v) your enrollment for any Card.  We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in the court.

As used in the Arbitration Provision, the terms “we” and “us” shall for all purposes mean the Bank, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives.  In addition, “we” or “us” shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you.  As solely used in this Arbitration Provision, the terms “you” or ”yours” shall mean all persons or entities approved by us to have and/or use a Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all Additional Cardholders.

(c) Initiation of Arbitration Proceeding/Selection of Administrator:   Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed.  Claims shall be referred to either the National Arbitration Forum (“NAF”), Judicial Arbitration and Mediation Services (“JAMS”), or the American Arbitration Association (“AAA”), as selected by the party electing to use arbitration.  If a selection by us of one of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select either of the other organizations listed to serve as arbitrator administrator.  For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) the NAF at P.O. Box 50191, Minneapolis, MN 55404; website at www.arbitration-forum.com; (ii) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; (iii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org .

(d) Significance of Arbitration:  IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE NAF, JAMS, OR AAA, AS APPLICABLE (THE “CODE”).  FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.  EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING.  NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.

(e)  Restrictions on Arbitration:  If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis.  There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders or other persons similarly situated.  The arbitrator’s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator’s authority to make awards is limited to you and us alone.  Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.

(f)  Location of Arbitration/Payment of Fees:  Any arbitration hearing that you attend shall take place in the federal judicial district of your residence.  At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration.  At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal).  If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.

(g)  Arbitration Procedures:  This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the “FAA”).  The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code.  The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision.  In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence.  Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code.  The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party’s notice.  The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of the objecting party’s submission.  The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters.  Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction.  The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA.  However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party.  The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal.  The appeal shall be filed with the arbitration organization in the form of a dated writing.  The arbitration organization will then notify the other party that the award has been appealed.  The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to its Code and issue its decision within one hundred twenty (120) days of the date of the appellant’s written notice.  The decision of the panel shall be by majority vote and shall be final and binding.

(h)  Continuation:  This Arbitration Provision shall survive termination of your Card as well as voluntary payment of the debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.