Ovation Cash™ Privacy Policy

1. We do not disclose nonpublic personal information about our current or former customers to unaffiliated third parties except as set forth in this policy or as required by law.



2. We do not share nonpublic personal information with outside parties who may wish to market their products to you. You do not have to take any action or instruct us to keep your information confidential.



3. We collect and maintain customer information as part of servicing your account and in order to understand your needs, administer our business, process your transactions, and provide you with products and services. We obtain customer information about you from the following sources:

• Information you provide to us by telephone, on applications, in membership requests, at our web site, and on other forms (such as your name, address, telephone number and date of birth);


• Information about your transactions with us, joint marketers, or others (such as your card balance, payment history, parties to transactions, and card usage);


• Information we receive from a consumer reporting agency (such as your creditworthiness and credit history).

We may disclose all of the information we collect, as described above, to financial institutions with whom we have joint marketing agreements, such as insurance agents and card issuers, so that they can market goods and services to you. We also may disclose:

Some of this information, such as your name and address, to companies that perform marketing services on our behalf (e.g., to companies that assist us with mailings). Information about your card and transactions: (a) where it is necessary or helpful to effect, process or confirm your transactions; (b) to verify the existence and availability of funds associated with your card; (c) to comply with legal process, such as subpoenas and court orders; (d) to law enforcement authorities if we believe a crime has been committed; and (e) if you give us your consent.

Information Security

We restrict access to nonpublic personal information about you to our employees who have a need to know such information (e.g., to process your transactions). We train our employees on the importance of customer privacy and confidentiality. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard the nonpublic personal information of our customers.