Privacy Statement

Effective as of December 17, 2019

Last updated December 16, 2022
 
Version 3.1.1
 
Introduction

PREMIER Bankcard, LLC (“PREMIER,” “we,” “our,” or “us”) respects the privacy of your information.  This Privacy Statement is designed to assist you in understanding how we collect, use, share, and safeguard your information. This Privacy Statement applies to individuals who access our websites (the “Sites”), the services provided through our Sites and the mobile application we offer (collectively, “Services”).

If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.

From time to time, we may change this Privacy Statement.  If we do, we will post an amended version on this webpage.  Please review this Privacy Statement periodically.  

This Privacy Statement covers the following topics:

  1. Information We Collect Online
  2. How We Use Your Information
  3. How We Share Your Information
  4. Cookies and Other Tracking Technologies
  5. “Do Not Track” Signals
  6. Choices About Your Information
  7. Security
  8. Third Party Links
  9. Children’s Privacy
10. Notice to California Residents
11. Accessibility
12. How to Contact Us
 
1. INFORMATION WE COLLECT ONLINE

We collect Personally Identifiable Information from you through your use of the Site and Services. “Personally Identifiable Information” is individually identifiable information about an individual consumer that we collect online and that we maintain in an accessible form.  We collect the following types of Personally Identifiable Information:

     Information You Provide

We may collect the following Personally Identifiable Information that you voluntarily provide to us in using our Site and Services:

     Information as You Navigate Our Sites

We automatically collect certain Personally Identifiable Information through your use of our Sites and Services, such as the following:

      Third Party Information

We may receive certain Personally Identifiable Information from you about a third party.  For example, as part of applying for an account, you may provide the name, date of birth, and address of a third party.  If you submit any Personally Identifiable Information about another individual to us, you are responsible for making sure that you have the authority to do so and to allow us to use their Personally Identifiable Information in accordance with this Privacy Statement. 

2. HOW WE USE YOUR INFORMATION

We use the Personally Identifiable Information we collect to provide the Services to you, to improve our Sites and Services, and to protect our legal rights.  In addition, we may use the Personally Identifiable Information we collect to:

3. HOW WE SHARE YOUR INFORMATION

We do not disclose your Social Security number, credit card or banking information to third parties not assisting us with supplying your request for products or services without your authorization. However, we may share the Personally Identifiable Information that we collect about you in the following ways:

Where appropriate, we will limit sharing of your information in accordance with the choices you have provided us in response to our Privacy Notice.
 
4. COOKIES AND OTHER TRACKING TECHNOLOGIES

Cookies

Like many other companies, we use cookies and other tracking technologies (such as pixels and web beacons). To learn more about how we use cookies and your choices regarding our use of cookies, please see our Cookie Policy.

Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site and Services, compile reports on their activity, and provide other services related to their activity and usage.  The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies.  To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.

Google reCAPTCHA

We use Google reCAPTCHA, a free service provided by Google, Inc., to protect our Sites from spam and abuse. Google reCAPTCHA uses advanced risk analysis techniques to decipher humans and bots. Google reCAPTCHA works differently depending on what version is deployed. For example, you may be asked to check a box indicating that you are not a robot or Google reCAPTCHA may detect abusive traffic without user interaction. Google reCAPTCHA works by transmitting certain types of information to Google, such as the referrer URL, IP address, visitor behavior, operating system information, browser and length of visit, cookies and mouse movements. Your use of Google reCAPTCHA is subject to Google's Privacy Policy and Terms of Use. More information as to Google reCAPTCHA and how it works is available here

5. "DO NOT TRACK" SIGNALS

Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked.  Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, our Sites do not currently interpret, respond to or alter its practices when it receives “Do Not Track” signals.

6. CHOICES ABOUT YOUR INFORMATION
 
Email and Unsubscribe Process

We may share your Personally Identifiable Information with service providers for promotional offers by email beginning 30 days after you have registered.  These offers may be our services and products or those of third parties.  If you wish to end your email subscription from a particular list, please use the unsubscribe link at the bottom of the commercial email, or to unsubscribe from all our commercial email lists, please send us an email at REMOVAL@premierbankcard.com.

Third Party Email Messages

You may receive certain commercial email messages sent by third parties for products and services which may be of interest to you.  In such case, a third party’s name will appear in the “from,” and the email will have a method at the bottom of the email to unsubscribe from that party.  We are not responsible for third party emails sent to you.

Wireless Addresses

If the email address you provide to us is a wireless email address, you agree to receive commercial messages at such address from us, our vendors or advertisers (unless and until you have elected not to receive such commercial messages by following the instructions in the unsubscribe portion of this Statement).  You understand that your wireless carrier’s standard rates apply to these messages.  You represent that you are the owner, or authorized user of the wireless device on which messages will be received, and you are authorized to approve the applicable charges.

7. SECURITY

We endeavor to safeguard and protect your information.  When you submit information on our Sites, such information is protected both online and offline.  We have security measures in place to protect against the loss, misuse, and alteration of Personally Identifiable Information under our control.  Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be absolutely secure.  Any transmission of data at or through our Sites or Services is at your own risk.  However, access to your information is strictly limited and not accessible to the public.
 
8. THIRD PARTY LINKS
 
The Sites may contain links that will let you leave the Sites and access another website.  Linked websites are not under our control.  Except as stated below, this Privacy Statement applies solely to Personally Identifiable Information that is acquired on these Sites.  We accept no responsibility or liability for these other websites.
 
9. CHILDREN'S PRIVACY

The Sites and Services are not intended for children under 13 years of age.  We do not knowingly collect, use, or disclose personal information from children under 13.

10. NOTICE TO CALIFORNIA RESIDENTS

The California Consumer Privacy Act, as amended by the California Privacy Rights Act of 2020 (CCPA) requires that we provide California residents with a privacy statement that contains a comprehensive description of our online and offline practices regarding the collection, use, disclosure, sale, sharing, and retention of personal information and of the rights of California residents regarding their personal information. This section of the Privacy Statement is intended solely for, and is applicable only as to, California residents. If you are not a California resident, this section does not apply to you and you should not rely on it. 

The CCPA defines “personal information” to mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household.  Personal information does not include publicly available, de-identified or aggregated information or lawfully obtained, truthful information that is a matter of public concern.  For purposes of this “Notice to California Residents” section we will refer to this information as “Personal Information.”

The CCPA’s privacy rights described below do not apply to Personal Information that we collect, process, sell, or disclose subject to the federal Gramm-Leach-Bliley Act and its implementing regulations or the California Financial Information Privacy Act.  Because we are subject to those laws and regulations, much of the Personal Information that we collect is exempt from the CCPA.  Your choices and rights with respect to our use and sharing of that information are subject to our Privacy Notice.

The CCPA’s privacy-related rights also do not apply to certain types of Personal Information that is subject to the federal Fair Credit Reporting Act (FCRA).  Some of our services are subject to the FCRA and, therefore, exempt from the CCPA on that basis.

Notice at Collection of Personal Information 

We currently collect and, in the 12 months prior to the Last updated date of this Privacy Statement, have collected the following categories of Personal Information:

We collect Personal Information directly from California residents and service providers. We do not collect all categories of Personal Information from each source.

In addition to the purposes stated above in the section "Information We Collect Online" we collected the above Personal Information for the following business or commercial purposes:

       Disclosure of Personal Information

The following is a list of categories of Personal Information that we disclosed for a business purpose in the 12 months preceding the Last updated date of this Privacy Statement and, for each category, the categories of recipients to whom we disclosed Personal Information:

We disclosed Personal Information for the following business or commercial purposes:

We have not sold or shared Personal Information in the 12 months preceding the Last updated date of this Privacy Statement. We do not knowingly collect, sell, or share the Personal Information of minors under 16 years of age. We do not collect or process sensitive personal information for the purpose of inferring characteristics about individuals.

Retention of Personal Information

We retain your Personal Information for as long as necessary to fulfill the purposes for which we collect it, such as to provide you with the service you have requested, and for the purpose of satisfying any legal, accounting, contractual, or reporting requirements that apply to us.

Your Rights

(1)  The right to know what Personal Information we have collected about you, including the categories of Personal Information, the categories of sources from which we collected Personal Information, the business or commercial purpose for collecting, selling, or sharing Personal Information (if applicable), the categories of third parties to whom we disclose Personal Information (if applicable), and the specific pieces of Personal Information we collected about you;

(2)  The right to delete Personal Information that we collected from you, subject to certain exceptions;

(3)  The right to correct inaccurate Personal Information that we maintain about you;

(4)  If we sell or share Personal Information, the right to opt out of the sale or sharing;

(5)  If we use or disclose sensitive Personal Information for purposes other than those allowed by the CCPA and its regulations, the right to limit our use or disclosure; and

(6)  The right not to receive discriminatory treatment by us for the exercise of privacy rights the CCPA confers.

How to Submit a Request to Know, Delete, and/or Correct

If you have an account, you must log into your account and submit your request to know, delete, or correct through your account.  If you do not have an account, you may submit a request through our interactive web form available at https://connect.mypremiercreditcard.com/Home/CCPA or by calling us at 1-877-635-2568. 

If you submit a request to delete online, you will be asked to confirm separately that you want your Personal Information deleted. 

As mentioned above, if you are a California resident who has a financial product or service with us, much of the Personal Information that we collect is exempt from the CCPA and, therefore, is not subject to the rights discussed in this “Notice to California Residents” section. Your choices and rights with respect to our use and sharing of that information are subject to our Privacy Notice

A California resident may use an authorized agent to submit a request to know, delete, or correct. After submitting the request, and if the request is not subject to an exemption or exception, we will require additional information to verify your authority to act on behalf of the California resident.

Our Process for Verifying a Request to Know, Delete, and/or Correct

If we determine that your request is subject to an exemption or exception, we will notify you of our determination. If we determine that your request is not subject to an exemption or exception, we will comply with your request upon verification of your identity and, to the extent applicable, the identity of the California resident on whose behalf you are making such request. Our verification process may differ depending on whether you maintain a password-protected account with us. 

If you maintain a password-protected account, we may verify your identity through existing authentication practices available through your account. Prior to disclosing or deleting the Personal Information, we will ask you to re-authenticate yourself with respect to that account.

If you do not maintain a password-protected account, or if you are an account-holder but we suspect fraudulent or malicious activity with your account, we will verify your identity either to a "reasonable degree of certainty" or  a "reasonably high degree of certainty" depending on the sensitivity of the Personal Information and the risk of harm to you by unauthorized disclosure, deletion, or correction as applicable.

For requests to access categories of Personal Information and for requests to delete or correct Personal Information that is not sensitive and does not pose a risk of harm by unauthorized deletion or correction, we will verify your identity to a "reasonable degree of certainty" by verifying at least two data points that you previously provided to us and which we have determined to be reliable for the purpose of verifying identities.

For requests to access specific pieces of Personal Information or for requests to delete or correct Personal Information that is sensitive and poses a risk of harm by unauthorized deletion or correction, we will verify your identity to a "reasonably high degree of certainty" by verifying at least three pieces of Personal Information you previously provided to us and which we have determined to be reliable for the purpose of verifying identities. In addition, you must submit a signed declaration under penalty of perjury stating that you are the individual whose Personal Information is being requested.

Right to Opt-Out of Sale or Sharing of Personal Information

If you are a California resident, you have the right to direct businesses to stop selling or sharing your Personal Information. We do not sell or share Personal Information as it is defined in the CCPA.

Shine the Light Law

We do not disclose Personal Information obtained through our Site or Services to any non-affiliated third parties for their direct marketing purposes. 

11. ACCESSIBILITY

We are committed to ensuring this Privacy Statement is accessible to individuals with disabilities. If you wish to access this Privacy Statement in an alternative format, please contact us as described below. Please also see our Accessibility Statement available here

12. HOW TO CONTACT US

To contact us for questions or concerns about our privacy policies or practices please contact us via any of the following methods:     

In writing to:

            PREMIER Bankcard, LLC

            3820 N Louise Ave

            Sioux Falls, SD 57107

 

            By phone at 1-800-987-5521

            Or by email at privacystmt@premierbankcard.com