This Privacy Policy describes the policy for collection, use, sharing, and protection of your information ("Information") collected from you by Spentra, LLC ("we," "us," "our," "Spentra") through our technology services, including without limitation our mobile application (the "App"), our website (spentra.com), and our Money Earned® feature, (collectively, the "Services"), and from your employer
If you are a Spentra Mastercard® Payroll Card (the "Card") cardholder, or become one, then the issuing bank's Privacy Policy will also apply to you. This Privacy Policy does not modify the Cardholder Agreement governing the use of the Card. This Privacy Policy does not modify the issuing bank's privacy practices, which apply to how information connected to the Card is used.
We may collect both personal and non-personal information from you. "Personal information" means information you provide that could reasonably be used to contact you, to identify you personally, or that otherwise relates to you. We typically collect such information by requesting you complete an online application or register for an online account or through your employer as described below. When we use the term "non-personal information," we mean general, non-personal, statistical, or technical information not associated with your name.
Information Collected From Your Employer
We may collect the following information about you directly from your subscribing employer, including without limitation:
Information Collected From You
When you use the Services, we may collect the following information from you, including without limitation:
*Social Security number is collected only during account setup and while requesting the Card. This information is electronically transmitted to the card processor for card processing by establishing an encrypted link using SSL (Secure Sockets Layer). Only the last four digits of the SSN are retained by us for security and validation purposes.
We may use the following technologies to collect Information:
Your Information is used to personalize your experience and help us to better respond to your individual needs, to improve our website, to improve customer service and more effectively respond to your customer service requests and support needs, to provide system notification, and to administer site features. Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever without your consent, other than as set out in this Privacy Policy.
We may use your Information to:
Your Information will not be sold, exchanged, transferred, or given to anyone for any reason whatsoever without your consent; however, we may disclose your Information:
You may correct certain Information via your user account, if allowed. For changes to your Information not allowed via your user account, you will need to contact your employer and/or card processor (as applicable) and send an email that includes your contact information to [email protected]. You may choose not to use our Services, but even after you stop using the Services, we may retain archived copies of Information about you for a period of time consistent with applicable law.
We are committed to safeguarding the confidentiality of your Information. We provide physical, electronic, and procedural safeguards to protect your Information such as password-protected systems, SSL technology to ensure your Information is fully encrypted and transferred securely, and active monitoring of our technology assets for protection from intrusion and external vulnerabilities. We limit access to Information to authorized employees and contractors who need to know that Information in order to fulfill your request for our Services.
This Privacy Policy may be updated from time to time for any reason. Any changes to the Privacy Policy shall be posted in the App. You are advised to consult this Privacy Policy regularly for any changes. Your continued use of the Services following any such change constitutes your acceptance of and your agreement to be bound by the Privacy Policy as modified. The "Last Updated" date of this Privacy Policy will indicate when the change became effective. Changes to this Privacy Policy shall apply only to Information collected after the date of such change.
We do not knowingly collect, use, or disclose personal information from children under the age of 13 on the site. This site is not directed to children under 13. If you are under the age of 13, please do not provide any personal information to us. If we become aware we have collected personal information from a child under the age of 13, we will make commercially reasonable efforts to delete such information from our database.
We are committed to protecting your Information and endeavor to provide reasonable security for it. However, no security system can prevent all potential security breaches and some privacy issues may be unintentionally missed. Spentra cannot guarantee error-free performance and is not responsible for any damages (including incidental, consequential, or punitive damages) relating to the practices described in this Privacy Policy. The Spentra Services are operated in accordance with the laws of the United States and are intended for the use of only residents of the United States.
By using the Services, you are consenting to and agreeing to be bound by this Privacy Policy, now and as amended by us from time to time.
If you have any questions or concerns regarding this Privacy Policy, please contact us via email at [email protected]