This Privacy Policy describes the types of information we, Fraternitas, LLC collect on the Elektra Go App (the “App”), how we use such information and to whom and under what circumstances we may disclose it. This Privacy Policy applies only to this mobile application and/or website and any other personal information obtained when you call, email, or otherwise communicate with Grupo Elektra in relation to your use of the App. By accessing the App on any computer, mobile phone, tablet, or other device, or otherwise interacting with us, you agree to the terms of this Privacy Policy. If you do not agree to the policy, please do not use the App.
We work with and share your information with several financial institutions to provide you with our services. It is important for you to be familiar with their privacy policies which are available at Uniteller Privacy Policy and ElektraGo Privacy PolicyWe may modify this Privacy Policy at any time, and will post the current version on the App. We encourage you to periodically review our Privacy Policy to stay informed about how we are using the information we collect.
Information That We Collect, the Source, Purpose of Collection, and RecipientsWe explain here what categories of personal information we have collected, where we got it from, and with whom we have shared it:
| Category of Personal Information Collected | Source | Purpose for Collection | Categories of Recipients |
| Personal information: such as name, address, date of birth, last four digits of SSN/ITIN, document (e.g., passport or Mexican consular card) images, document type, mother’s last/ maiden name, nationality, occupation, email address, customer opt-ins choices and phone number. | From our customers when they enroll in the App, call us, or otherwise interact with us | To provide our services through the App, communicate with and respond to our customers, including verification of identity, marketing or to meet legal obligations. | We may share this information with select marketing, information technology, or other service providers and partners. |
| Transaction information: including bank account/debit or credit information and transfer amount. | From our customers when they use the service. | To provide our services. | We may share this information with our service providers and partners. |
| App usage information: such as your IP address, MAC address or other device identifier, your geolocation, pages and content that you visit on the App, what you click on, the state and country from which you access the App, and date and time of your visit. | Our App and your interactions with the App, including through the use of cookies and other tracking technologies explained further below | To evaluate usage of the App and improve performance and client services; to protect the security and integrity of the App and our business, such as preventing fraud, hacking, and other criminal activity or to meet legal obligations. | Our service providers who help us with fraud protection and App analytics |
In some jurisdictions, individuals may have the right to opt-in or withdraw consent for certain uses. If you reside in such jurisdictions, you may have additional rights which are detailed below, “Access, Correction and Deletion.”
Information We Collect AutomaticallyWhen you visit the App, we may collect certain information from you, including your Internet Protocol (IP) address, MAC address, browser type, operating system, device-identifying information, and the domain name from which you accessed the App. In addition, we may collect information about your browsing behavior, such as the date and time you visit the App, the areas or pages of the App that you visit, the amount of time you spend viewing the App, the number of times you return to the App and other clickstream data. We may also use non-personal or aggregated information for statistical analysis, research, and other purposes.
Like many commercial websites and mobile applications, we analyze how visitors use our App through what is known as "cookie" technology or similar tracking tools. A cookie is a small text file that is placed on your Device when you access the App and allows us to recognize you each time you visit the App. We may use cookies to: (1) allow you to use the App without having to re-enter your user name and password; (2) enhance or personalize your App usage; (3) monitor App usage; (4) manage the App; and (5) improve the App and our products and services. 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 that are currently on our App, or that we may put on our App in the future. Note that browser-management tools for cookies are outside of our control and we cannot guarantee their effectiveness.
We may combine the information we collect through cookies, web beacons, or other technology tools with other information we have collected from you or information from other sources.
Use of InformationWe may use the information we collect from and about you for any of the following purposes: (1) to fulfill your requests for our service; (2) to respond to your inquiries; (3) to send you a confirmation email when you use the App; (4) to review App usage and operations; (5) to address problems with the App, our business or our services; (6) to protect the security or integrity of the App and our business; (7) to monitor the App for compliance with our Terms of Use and the law; (8) to contact you with App updates, newsletters and other informational and promotional materials from us and third party marketing offers from our trusted partners, as well as from other companies; and (9) to provide interest-based advertising to you based on the way you browse and shop on the App and other platforms.
All above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
If you sign up for our mailing list, we will send you informational emails about offers of services. At any time, you can ‘unsubscribe’ yourself from our email list simply by clicking the ‘unsubscribe’ button.
If you do not wish to receive communications from us about special offers and promotions, you can opt-out of receiving these communications by following the instructions contained in the messages you receive. Even if you opt-out of receiving these messages, we reserve the right to send you certain communications relating to the services we provide, and we may send you service announcements and administrative messages. We do not offer you the opportunity to opt-out of receiving those communications.
Disclosure of InformationWe may disclose information collected from and about you as follows: (1) to our related companies and service providers, to perform a business, professional or technical support function for us; (2) to our marketing partners, advertisers or other third parties, who may contact you with their own offers; (3) as necessary if we believe that there has been a violation of the App Terms of Use or of our rights or the rights of any third party; (4) to respond to legal process (such as a search warrant, subpoena or court order) and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (5) in the event that our company or substantially all of its assets are acquired, your personal information may be one of the transferred assets. We may also disclose your personal information with your express consent. We may share aggregate, non-personally identifiable information about App users with third parties.
Please note that if you voluntarily submit any personal information for posting on the App, such as a review or a blog post, the information becomes publicly available and can be collected and used by others, so you should use care before posting information about yourself online.
Access, Correction, & DeletionWe respect your right to access and correct your personal information. You may access your personal information by signing into your account. From there, you can correct or modify your information. You may also exercise your rights, subject to applicable laws, to request that we delete or restrict access to your personal data. We may need to retain it for legally permitted purposes and this will be explained to you if necessary.
If you need assistance correcting or updating your personal information, or would like to request that we delete your personal information, please contact us using the contact information detailed in the “Contact Us” section below.
Retention of Personal InformationPersonal information that we collect, access or process will be retained only as long as necessary for the fulfilment of the purposes for which it was collected, unless otherwise provided in agreements between you and Grupo Elektra or as required or authorized by law. Personal information that is no longer required to fulfill the identified purposes will be destroyed, erased or made de-identified.
SecurityWe maintain reasonable and appropriate measures designed to maintain information we collect in a secure manner. We have taken certain physical, electronic, and administrative steps to safeguard and secure the information we collect from visitors to the App. Even though we follow reasonable procedures to try to protect the information in our possession, no security system is perfect and we cannot promise, and you should not expect, that your information will be secure in all circumstances.
ChildrenThe App is not directed to children, nor do we knowingly collect any personal information from children under the age of thirteen without verifiable parental consent. If you believe that a child has provided personal information to us, please contact us promptly as described below, and we will endeavor to investigate and delete such information from our systems.
Third Party WebsitesThe App may contain links to third-party websites, such as social media sites like Facebook and Twitter, which may have privacy policies that differ from our own. We are not responsible for the activities and practices that take place on these websites. Accordingly, we recommend that you review the privacy policy posted on any external site before disclosing any personal information. Please contact those websites directly if you have any questions about their privacy policies.
Changes to This Privacy PolicyWe may change this privacy policy from time to time, including as required to keep current with rules and regulations, new technologies and security standards. When we do, we will post the change(s) on our App. If we change the policy in a material and retroactive manner, we will provide appropriate notice to you.
Your California Privacy Rights California law permits our customers who are California residents to request certain information about our disclosure of personal information to third parties for their own direct
marketing purposes during the preceding calendar year. This request is free and may be made once a year. To make such a request, please write to us at the following address:
Fraternitas, LLC; 5525 N MacArthur Blvd., Suite 575, Irving, TX 75038.
ATTN: Customer Service Department—California Privacy Info.
If you are a California resident, California law provides you with the following rights with respect to your personal information:
If you are visiting the App from outside the United States, your information may be transferred to, stored and processed in the United States or other countries in accordance with this Privacy Policy. The data protection and other applicable laws of the United States or other countries may not be as comprehensive as those laws or regulations in your country or may otherwise differ from the data protection or consumer protection laws in your country. Your information may be available to government authorities under lawful orders and law applicable in such jurisdictions. By using the App and/or providing personal information to us, you consent to transfer of your information to our facilities as described in this Privacy Policy.
Contact UsIf you have questions or concerns about this Privacy Policy or how we collect and use the information of our customers, you can contact us by emailing us at [email protected], or
by postal address at Fraternitas, LLC; 5525 N MacArthur Blvd., Suite 575, Irving, TX 75038; ATTN: Privacy Request, or by telephone at 1-888-534-6229.
If we need, or are required, to contact you concerning any event that involves your information, we may do so by email, telephone, or mail.
Our Privacy Policy was last updated on October 23, 2023.
This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and informs You about Your privacy rights and how the law protects You.
We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of this Privacy Policy:
Types of Data Collected
Personal Data
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You.
Personally identifiable information may include, but is not limited to:
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons,
tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:
Use of Your Personal Data
The Company may use Personal Data for the following purposes:
Retention of Your Personal Data
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your
Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws),
resolve disputes, and enforce our legal agreements and policies.
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is
used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are
located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental
jurisdiction where the data protection laws may differ than those from Your jurisdiction.
Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.
The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your
Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.
Disclosure of Your Personal Data
Business Transactions
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and
becomes subject to a different Privacy Policy.
Law enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities
(e.g. a court or a government agency).
Other legal requirements
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:
This privacy notice section for California residents supplements the information contained in Our Privacy Policy and it applies solely to all visitors, users, and others who reside in the State of California.
Categories of Personal Information Collected
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly,
with a particular Consumer or Device. The following is a list of categories of personal information which we may collect or may have been collected from California
residents within the last twelve (12) months.
Please note that the categories and examples provided in the list below are those defined in the CCPA. This does not mean that all examples of that category of personal
information were in fact collected by Us, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may
be and may have been collected. For example, certain categories of personal information would only be collected if You provided such personal information directly to Us.
Sources of Personal Information
We obtain the categories of personal information listed above from the following categories of sources:
Use of Personal Information for Business Purposes or Commercial Purposes
We may use or disclose personal information We collect for "business purposes" or "commercial purposes" (as defined under the CCPA), which may include the
following examples:
Sale of Personal Information
As defined in the CCPA, "sell" and "sale" mean selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating
orally, in writing, or by electronic or other means, a consumer's personal information by the business to a third party for valuable consideration. This means that We
may have received some kind of benefit in return for sharing personal information, but not necessarily a monetary benefit.
Please note that the categories listed below are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact
sold, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been shared for
value in return.
We may sell and may have sold in the last twelve (12) months the following categories of personal information:
Share of Personal Information
We may share Your personal information identified in the above categories with the following categories of third parties:
Sale of Personal Information of Minors Under 16 Years of Age
We do not knowingly collect personal information from minors under the age of 16 through our Service, although certain third party websites that we link to may do so.
These third-party websites have their own terms of use and privacy policies and we encourage parents and legal guardians to monitor their children's Internet usage and
instruct their children to never provide information on other websites without their permission.
We do not sell the personal information of Consumers We actually know are less than 16 years of age, unless We receive affirmative authorization (the "right to opt-in")
from either the Consumer who is between 13 and 16 years of age, or the parent or guardian of a Consumer less than 13 years of age. Consumers who opt-in to the sale of
personal information may opt-out of future sales at any time. To exercise the right to opt-out, You (or Your authorized representative) may submit a request to Us by
contacting Us.
If You have reason to believe that a child under the age of 13 (or 16) has provided Us with personal information, please contact Us with sufficient detail to enable Us
to delete that information.
Your Rights under the CCPA
The CCPA provides California residents with specific rights regarding their personal information. If You are a resident of California, You have the following rights:
Exercising Your CCPA Data Protection Rights
In order to exercise any of Your rights under the CCPA, and if You are a California resident, You can contact Us:
Do Not Sell My Personal Information
You have the right to opt-out of the sale of Your personal information. Once We receive and confirm a verifiable consumer request from You, we will stop selling Your personal
information. To exercise Your right to opt-out, please contact Us.
The Service Providers we partner with (for example, our analytics or advertising partners) may use technology on the Service that sells personal information as defined by the
CCPA law. If you wish to opt out of the use of Your personal information for interest-based advertising purposes and these potential sales as defined under CCPA law, you may
do so by following the instructions below.
Please note that any opt out is specific to the browser You use. You may need to opt out on every browser that You use.
Website
You can opt out of receiving ads that are personalized as served by our Service Providers by following our instructions presented on the Service.
Mobile Devices
Your mobile device may give You the ability to opt out of the use of information about the apps You use in order to serve You ads that are targeted to Your interests:
Children's Privacy
Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a
parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from
anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before
We collect and use that information.
Links to Other Websites
Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We
strongly advise You to review the Privacy Policy of every site You visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Changes to this Privacy Policy We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page. We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Contact Us If you have any questions about this Privacy Policy, You can contact us: