At ICUL Service Corporation (referred to as "Envisant," "us" or "we"),
we recognize that your privacy is important. This Policy discloses the
privacy practices for the cumoney.com and envisant.com websites (the
"Sites"), the CU Money mobile app (the "App"), as well as related
products and services we may offer to you (collectively referred to as
the "Services"). This Policy also covers how Personal Information that
we receive or collect about you is treated.
applicable terms and conditions, including prepaid cardholder
agreements and disclosures. By accessing or using our Services, you
agree to be bound by the applicable terms and conditions, as well as
this Policy. If you do not agree to the terms of the Policy, do not use
our Sites or Services.
We treat any data that identifies you, or reasonably can be linked to
you, as "Personal Information." Data that has been de-identified or
aggregated so that it cannot reasonably be linked to you is not
Personal Information, and we may use that data for any purpose.
Personal Information We Collect From You
We attempt to only collect Personal Information that we need in order
to provide you with our premier service and industry leading products,
and that Personal Information may include:
such as name, postal address, phone numbers, and email addresses.
Internet or Similar Network Activity,
such as your IP address and activity on our Website, as well as
your interaction with our advertising and other communications.
, such as information relating to your purchases and services, and
purchasing or consuming histories or tendencies.
such as information collected when you access our Website.
, such as your card account number and other financial information
collected when you obtain Services from us.
How We Obtain Your Personal Information
: We obtain most of the Personal Information that we collect about
you from you when you interact with our Services, including when
you: (1) contact and communicate with us, (2) register for an
account on our Sites or App, (3) purchase or use Services,
including our Sites and App.
From Our Partners
: We may obtain Personal Information about you from our service
providers or other partners, including marketing partners.
Our Use of Personal Information
We may use your Personal Information as follows:
Provide Our Products and Services:
We use Personal Information to furnish our Services, including to
process and fulfill your purchases of our Services and to improve
the quality, safety and security of the Services.
Communicate with You:
We use Personal Information to respond to communications, contact
you about your transactions, promote our Services, provide other
relevant information, and request information or feedback.
Personalize Your Experience
: We utilize Personal Information regarding your use of our
Services, including our Sites and App, to personalize and enhance
: We use Personal Information to conduct internal research to
develop, improve or repair our products, services or technology.
Security or Fraud Prevention
: We use Personal Information to: (1) prevent, detect, protect
against, or respond to security incidents, and (2) preserve the
integrity or security of systems.
: We may use Personal Information to comply with applicable law or
to comply with a lawful governmental request.
We strive to retain your Personal Information only for as long as
necessary to fulfill the purpose(s) for which we obtained the
information or as otherwise required by law.
Our Sharing of Personal Information
We may share Personal Information with service providers who act on our
behalf, our partners, or others operating at your direction or where
legally necessary or appropriate. We do not share Personal Information
with third parties for their own marketing purposes.
We may share information our subsidiaries and legal affiliates.
: We engage third parties to act as our service providers and
perform certain tasks on our behalf in connection with delivering
you our products and services. The tasks performed by service
providers include: (1) processing and storing Personal Information,
(2) assisting with marketing communications and advertising, (3)
customer service assistance; (4) processing credit, debit, prepaid
card or other financial charges, and (5) providing technology
services, including to assist with our Sites. We may provide
service providers with all types of Personal Information described
above. We encourage of service providers to take reasonable steps
to ensure that they keep Personal Information confidential and only
utilize the Personal Information as permitted.
: We may partner with third parties to provide services and other
offerings. Upon your request, we may also share you information
with service partners to provide products or services that may
interest you. We take reasonable steps to ensure that the entities
to which we share your Personal Information keep the information
confidential and only use it as permitted.
Other Legal Purposes
: We also may share Personal Information: (1) with your consent,
(2) to respond to subpoenas, court orders, or other legal process
or otherwise as required or allowed by law or the competent
governmental or judicial authorities; (3) to cooperate with law
enforcement, government or regulatory entities, and safety or
investigation authorities; (4) to establish or preserve a legal
claim or defense; or (5) as part of a corporate restructuring, sale
of assets, merger or divestiture.
Like many commercial websites, we analyze how visitors use our Sites
with "cookie" technology. A cookie is a small text file that is placed
on your computer when you access our website and allows us to recognize
or personalize your website usage and experience; (2) monitor website
usage; and (3) improve the website and our services, including
providing you with interest-based ads. If you choose, you can set your
browser to reject cookies or you can manually delete individual cookies
or all of the cookies on your computer by following your browser's help
file directions. However, if your browser is set to reject cookies or
you manually delete cookies, you may have some trouble accessing and
using some of the pages and features on our website. Please note that
browser-management tools for cookies are outside of our control, and we
cannot guarantee their effectiveness.
We may also use web beacons on our Sites, in our emails, and in our
advertisements on other websites. Web beacons are tiny graphic images
that are used to collect information about your visit to the website,
such as the pages you view and the features you use, as well as
information about whether you open and/or act upon one of our emails or
advertisements. We may also collect the URL of the website you visited
immediately before coming to our website. Web beacons help us analyze
the behavior of visitors to our website and portals and measure the
effectiveness of the sites and our advertising. We may work with
service providers that help us track, collect and analyze this
We may combine the information we collect through cookies and web
beacons with other information we have collected from you or
information from other sources.
Security of Your Personal Information
We use commercial reasonably physical, technical and administrative
security measures to reduce the risk of loss, misuse, unauthorized
access, and disclosure. Our secure services and our data centers are
protected by industry-standard encryption, and our servers reside
behind firewalls and employ high-level password protection. Please
note, however, that no security measures are perfectly secure, and we
are unable to guarantee the security of your Personal Information. We
encourage you to take steps to help protect the confidentiality and
security of your account and Personal Information.
Third Party Websites and Applications
Our Sites may contain links to websites or applications hosted by third
parties. This Policy only applies to websites and applications within
our control and does not apply to any third party sources. Any data
collected through third party websites or applications shall be subject
to the privacy practices of the third party, and you should review the
privacy policies of these third parties prior to sharing any data.
Your Rights and Choices
Your choices regarding our use and disclosure of Personal
We give you certain choices regarding our use and disclosure of your
Personal Information for promotional purposes. You may opt-out from
receiving electronic communications from us by contacting us at
envisant.legal (AT) envisant.com
. If you no longer want to receive promotional-related emails from us,
you may opt-out according to instructions in such communications.
Please note that if you opt-out of receiving marketing-related
messages, we may still send you important administrative messages.
Access, change or deletion of Personal Information
If you would like to request to review, correct, update, or delete
Personal Information that you previously have provided to us, please
contact us at envisant.legal (AT) envisant.com
. We will respond to your request consistent with applicable law.
Please note that we may act as a service provider in some functions,
including, storing records on behalf of third parties, and that
requests to correct, update, or delete Personal Information provided to
us by third parties often will be transmitted to those parties to
Personal Information Concerning Children
Our Sites and App are not intended for anyone under the age of 16. We
do not knowingly collect Personal Information from individuals under
the age of 16, unless the Personal Information is submitted with
verifiable parental consent.
Updates to the Policy
We may update this Policy periodically as we offer new products and
services, and as our business, technology, and laws change. You can
determine when this Policy was last revised by referring to the "Last
updated" reference below. Any changes will become effective upon
posting of the revised Policy.