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Veteran Crowd Rewards Online Privacy Policy

Last updated: April 16, 2024

Your privacy is important to us. This Online Privacy Policy explains how we collect, share, use, and protect information when you visit or use this online service of Veteran Crowd Rewards, Inc (VCR) that link to or reference this policy (collectively, our “online services”).

As you review this Online Privacy Policy, here are a few general principles to keep in mind:

  • Our online services linking to this notice are intended for a U.S. audience. If you visit or use one of these online services, your information may be transferred or processed in the United States.
  • Our online services are not intended for children under 13. We do not knowingly collect personal information from children under 13 without parental consent.
  • If you are a U.S. consumer and participate in a service with us, we will use and share any information that we collect from or about you in accordance with our U.S. Consumer Privacy Notice (below), which offers you certain choices with respect to the use and sharing of your personal information.

Veteran Crowd Rewards does not knowingly collect, use or disclose any sensitive personal information, as defined by the CCPA, for the purpose of inferring characteristics about you. Accordingly, submitting a request to limit the use of your sensitive Personal Information is not required.

If you have questions after reviewing this policy, please visit Frequently Asked Questions (below).

Information We Collect

Personal Information

When you visit or use our online services, we may collect personal information from or about you including your name, email address, mailing address, telephone number(s), account numbers, limited location information, user name and password. We may also collect payment card information, tax identification numbers, driver’s license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.

Usage and Other Information

In addition to the personal information described above, we may collect certain information about your use of our online services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our online service you access, and the site you visit next. We or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services.

Additional Sources of Information

We may also collect information about you from additional online and offline sources including from commercially available third- party sources. When you make purchases with your enrolled VISA card, Veteran Crowd Rewards receives transaction information from the VISA network. This is called “Transactions data” and is any data provided by Visa or its Affiliate to Company hereunder and related to a Visa card account or transaction, including Matched Transaction Notifications, but excluding information that VCR obtains through means other than from Visa or its Affiliate under this Agreement. We may combine this information with the personal and other information we have collected about you under this Online Privacy Policy.

Use of Information

We use the information discussed above in the following ways:

  • Processing applications and transactions;

  • Verifying your identity (such as when you access your account information);

  • Preventing fraud and enhancing the security of your account or our online services;

  • Responding to your requests and communicating with you;

  • Managing your preferences;

  • Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view;

  • Providing you tailored content and marketing messages; operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);

  • Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and

  • For any other purposes that we may specifically disclose at the time you provide or we collect your information.

  • Aggregated Personal Data: In an ongoing effort to better understand and serve our prospects and Service Users, Veteran Crowd Rewards often conducts research on its customer demographics, interests and behavior based on Personal Data and other information provided to us. As it relates to our Services, we may also use machine learning and performance metrics for the purposes of providing and improving Veteran Crowd Rewards's products and services. This information may be compiled and analyzed on an aggregate basis. This aggregate information does not identify you personally. Veteran Crowd Rewards may also disclose such aggregated information in order to describe and promote our Services to current and prospective business partners, and to other third parties for other lawful purposes.

We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.

Disclosure of Information

We may share the information we collect from and about you with our affiliates and other third parties as described below. In particular, we may share your information with:

  • VCR third-party service providers;

  • Other companies to bring you co-branded services, products or programs that you have requested;

  • Third parties or affiliates in connection with a corporate transaction, such as a sale, consolidation or merger of VCR businesses; and

  • Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties.

  • Without limiting the foregoing, we may share aggregated information which does not identify you or de-identified information with other parties or affiliates except as prohibited by applicable law. This de-identified information may include portions of Transaction Data (date, time, amount and Merchant). For information on your rights and choices regarding how we share your information, please see “U.S. Consumer Privacy Policy” and the “FAQ” (below).

  • Notwithstanding anything to the contrary in the Terms and Conditions or Privacy Policy, Veteran Crowd Rewards and its third-party service providers will use transaction information solely as follows:

    • Internal processing for delivery of our Services.

    • Source for creating de-identified transaction information.

    • Source for creating historical data record for processing and reporting within Veteran Crowd Rewards’ product.

    • Where appropriate, we will limit sharing of your information in accordance with the choices you have provided us.

    • We may share anonymous or aggregated information with third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes.

Understanding Cookies, Web Beacons and Other Tracking Technologies

We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for the following purposes: fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.

  • “Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services.

  • Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message— or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.

  • Local Shared Objects, sometimes referred to as “flash cookies” may be stored on your hard drive using a media player or other software installed on your device. Local Shared Objects are similar to cookies in terms of their operation, but may not be managed in your browser in the same way.

Linking to Third-Party Websites

VCR may provide links to websites that are owned or operated by other companies ("third-party websites"). When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.

Security

We use reasonable physical, electronic, and procedural safeguards that comply with legal and regulatory standards to protect and limit access to personal information. This includes device safeguards and secured files and buildings. Visit our Security Page for additional information about how we protect your Personal Information. Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your tax identification number) to us.

Updating Your Information

Keeping your account information up-to-date is very important. You may review, or update certain account information by logging in and accessing the “Dashboard” section. If you cannot change the incorrect information online, or you prefer to request changes offline, please use the Contact Us option on our site, or call or write to us using the contact information listed on your account statements, records, or other account materials.

Changes to this Online Privacy Policy

We may change this Online Privacy Policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to this Online Privacy Policy will become effective when posted unless indicated otherwise.

U. S. Consumer Privacy Notice

Facts What does VCR 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 Transaction history.

  • 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 VCR chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

  • 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. Does VCR share? Yes Can you limit this sharing? No

  • For our marketing purposes – to offer our products and services to you. Does VCR share? Yes Can you limit this sharing? No

To limit our sharing

Email us online: support@veterancrowd.com and let us know your privacy preferences. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions

Contact support@veterancrowd.com

How does VCR 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. We authorize our employees to get your information only when they need it to do their work, and we require companies that work for us to protect your information.

How does collect my personal information?

We collect your personal information, for example, when you:

  • open an account or provide account information
  • use your credit or debit card We also collect your personal information from others, such as 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 for 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.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates - Companies related by common ownership or control. They can be financial and non financial companies. VCR does not have any Affiliates at this time.

Nonaffiliates - Companies not related by common ownership or control. They can be financial and non financial companies.
 Nonaffiliates we share with can include companies such as retailers and merchants

Joint Marketing - A formal agreement between nonaffiliated companies that together market products or services to you.
 Our joint marketing partners include categories of companies such as insurance companies and retail merchants.

Frequently Asked Questions

General Policy Infomration

What is a Privacy Notice?

The U.S. Consumer Privacy Notice is one way we tell you how we collect and use information about you. Federal law requires all financial institutions, including us, to notify our customers, once a year, of their privacy practices and, depending on those practices, to let customers limit some of the ways the institution shares that information. This is called "opting out" of information sharing.

Why do you have 2 privacy policies on veterancrowd.com?

You can access 2 different privacy policies on veterancrowd.com, which we refer to as our Online Privacy Policy and the U.S. Consumer Privacy Notice. Each of these policies serves a different purpose. Our Online Privacy Policy describes how we can collect, use, share and protect information about people who interact with us through our online websites, mobile applications or social media interfaces. In other words, you don't have to be a VCR customer for our Online Privacy Policy to apply to you. You simply have to be using one of what we call our "online services." In most instances, you'll know you're using one of our online services if you can see our Online Privacy Policy in the footer (the bottom) of the page or in the app's drop-down menu.

The U.S. Consumer Privacy Notice, on the other hand, applies to Veteran Crowd Rewards customers.  Federal law requires that we provide our customers with a copy of the U.S. Consumer Privacy Notice when they open an account with us, and then once a year for as long as they continue that relationship with us. The U.S. Consumer Privacy Notice explains how we get information about our customers as well as the steps we take to protect customer information in our care. It also describes how we can share your personal information with others and how you can limit that sharing. In particular, you can tell us not to share your information with our affiliates or with unaffiliated third parties for their marketing purposes.

How do you protect my information?

We take our responsibility to protect your confidential information seriously. We've set up physical, electronic and procedural safeguards that meet PCI DSS standards for keeping your information safe from unauthorized access or use. For example, our policies and procedures are designed to help ensure that our employees see your information only when they need it to do their work. And they must enter a password to use our computer systems, and then retype the password if they haven't used their computer for a certain amount of time. In addition, our employees must use a security card to get into our buildings, and we have security cameras installed in sensitive areas. We protect your information with 128-bit encryption when you access your account and perform transactions on Veterancrowd.com online.

What kinds of information sharing do partnership programs require?

We and our partners often need to share information to set up the program and figure out your benefits. For example, to make an offer a group, our partner might give us names and addresses of people who already do business with it.

What if I don't want you to share my information?

You have the right to tell us not to share some of your personal information in some circumstances. The U.S. Consumer Privacy Notice describes the ways in which you can limit how we share your personal information. You may contact us via email at support@veterancrowd.com. We can help you make choices about how we share your personal information. Please keep in mind, however, that you can't limit all of our sharing of your information. We might need to share your personal information to help us do things like service your accounts with us, respond to court orders and prevent fraud. Financial privacy laws give us the right to share information in these, and other, situations whether or not you opt out of our information sharing.

What do you mean you may share my information with affiliates and "others"? And who are the “others” you'll share my information with?

Federal law allows us to share your personal information with our affiliates and unaffiliated third parties unless you tell us not to share by opting out. The affiliates include any of the financial companies listed at the end of the U.S. Consumer Privacy Notice. It can also save you time and money. Where the law permits, and as long as we honor the opt-out choices you've made, we can also share your personal information with third parties that aren't affiliated with VCR. These “others” include retailers and merchants that offer products and services you may be interested in. You can tell us not to share with them. Nonetheless, as the U.S. Consumer Privacy Notice explains, you can't limit all of our sharing. Even if you opt out, we can disclose your personal information in order to, for example, process your transactions, comply with legal requests or report to credit-reporting agencies.

What does it mean to "opt out"?

When you "opt out" as explained in the U.S. Consumer Privacy Notice, you instruct us not to share certain information about you in certain ways. For example, the U.S. Consumer Privacy Notice lets you tell us not to share your consumer report information with our affiliates.

What choices do I have for opting out of information sharing?

Please look at the U.S. Consumer Privacy Notice for a detailed explanation of your choices about the information you share. This Privacy Notice also tells you how you can change your choices.

If I told you my privacy preferences last year, do I need to tell you again this year?

No. The privacy preferences you tell us don't expire. If you opted out of certain kinds of information sharing, we won't share that information unless you tell us you've changed your mind. You'll need to tell us your opt-out preferences again, though, if you change your name or make other significant changes to your identification information.

How do I benefit from Veteran Crowd Rewards's information sharing with service providers and companies outside of your affiliates?

You may get more offers for products and services that might interest you if we can share information with outside companies that work for us, including those that help us market our products and with whom we have joint marketing agreements. You may also get discounted pricing on those products and services.

Does the U.S. Consumer Privacy Notice apply when I'm doing business online?

Yes, if you're our customer, the U.S. Consumer Privacy Notice governs all of our interactions with your personal information. For that reason, our websites include links to the U.S. Consumer Privacy Notice, which explains how we protect your information when you bank with us. You'll also be subject to our Online Privacy Policy.

If you aren't our customer, the U.S. Consumer Privacy Notice doesn't apply to you. You're still subject to our Online Privacy Policy, however. This policy explains how we may collect, share, use and protect information from anyone who visits a Veteran Crowd Reward’s online service.

We also have Web-linking standards that govern how and when we let you know when you've chosen a link that will take you to a third-party site (one not owned or operated by VCR). Neither our Online Privacy Policy nor the U.S. Consumer Privacy Notice (nor our website terms) will apply after you leave our site. You should read the privacy policy, terms of use and security practices of the linked third-party website before giving any information on that website and to see how they apply to you.

What is a "cookie"?

A cookie is a tiny text file that a website you visit creates and then stores in your Web browser. The cookie can contain a variety of information about you, from a unique ID to the preferences you've set for that website. We use cookies when you register the first time, when you sign in with your user name and password, and when you tell us information about yourself such as your address.

We also use cookies on sites where we advertise. We set cookies so that we recognize you as a customer and can give you the best online experience possible. Read our Online Privacy Policy to find out more about how we use cookies to collect information about you.

How do I opt out of promotional emails you send me?

Our email offers include instructions for telling us you don't want to get any more of our promotional emails. These instructions are usually at the bottom of the email offer.

If you get emails from an outside company on our behalf, you'll need to either follow the instructions in that email to stop the offers or contact that company directly. Before you give any company your personal information, we encourage you to read the privacy and security policies, as well as the terms and conditions, of the websites you visit to see how they apply to you.

Contact Veteran Crowd Rewards
Please feel free to contact us if you have any questions or concerns about Veteran Crowd Rewards’s Privacy Policy or our privacy practices, including if you need to access this Policy in an alternative format, or if you wish to lodge a complaint about our privacy practices.

You may contact us as follows:support@veterancrowd.com or by registered mail at 30 Piankatank Way, Cobbs Creek, VA 23035.