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Privacy Policies

Elektra USA Privacy Policy

Privacy Policy
Effective Date: July 11, 2023 Contents:

  1. Information That We Collect, the Source, Purpose of Collection, and Recipients
  2. Use of Information
  3. Disclosure of Information
  4. Access, Correction & Deletion
  5. Changes to This Privacy Policy
  6. CCPA Privacy Policy
  7. Contact Us

Full Policy

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 Elektra Go Privacy Policy

We 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 Recipients

We 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 Automatically

When 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 Information

We 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 Information

We 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, & Deletion

We 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 Information

Personal 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.

Security

We 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.

Children

The 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 Websites

The 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 Policy

We 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:

  • The right to know the categories or specific personal information we have collected, used, disclosed and sold about you. To submit a request to know, you may call us at 1-888-534-6229 or visiting Elektra Go. You also may designate an authorized agent to make a request for access on your behalf on our website at Elektra Go
  • The right to request that we delete any personal information we have collected about you. To submit a request for deletion, you may call us at 1-888-534-6229 or visiting Elektra Go. You also may designate an authorized agent to make a request for deletion on your behalf on our website at Elektra Go.

When you exercise these rights and submit a request to us, we will verify your identity by asking you for your email address, telephone number, order number, or other form of identification. We also may use a third-party verification provider to verify your identity.
Your exercise of these rights will have no adverse effect on the price and quality of our services.

Visitors from Outside the United States—Cross-Border Transfer

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 Us

If 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 support@elektrago.app, 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.

CCPA Privacy Policy

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 and Definitions

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:

  • "Account" means a unique account created for You to access our Service or parts of our Service.
  • "Business", for the purpose of the CCPA (California Consumer Privacy Act), refers to the Company as the legal entity that collects Consumers' personal information and determines the purposes and means of the processing of Consumers' personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of consumers' personal information, that does business in the State of California.
  • "Company" (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Fraternitas, LLC.
  • "Country" refers to the United States of America (“USA”).
  • "Consumer", for the purpose of the CCPA (California Consumer Privacy Act), means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the USA who is outside the USA for a temporary or transitory purpose.
  • "Cookies" are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
  • "Device" means any device that can access the Service such as a computer, a cell phone or a digital tablet.
  • "Do Not Track (DNT)" is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.
  • "Personal Data" is any information that relates to an identified or identifiable individual.
    For the purposes of the CCPA, Personal Data means any information that identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You.
  • "Sale", for the purpose of the CCPA (California Consumer Privacy Act), means 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 to another business or a third party for monetary or other valuable consideration.
  • "Service" refers to the Website and app.
  • "Service Provider" means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
  • "Usage Data" refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
  • "Website and App" refers to the Elektra Go app and website, accessible from Elektra Go and downloadable in Apple App Store and Google Play Store.
  • "You" means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

 

Collecting and Using Your Personal Data

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:

  • Email address
  • First name and last name
  • Social Security Number
  • Photos
  • Phone number
  • Address, State, Province, ZIP/Postal code, City
  • Usage Data


Usage Data
Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

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:

  • Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
  • Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.

We use both Session and Persistent Cookies for the purposes set out below:

  • Necessary / Essential Cookies
    Type: Session CookiesPurpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
  • Cookies Policy / Notice Acceptance Cookies
    Type: Persistent Cookies
    Administered by: Us
    Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
  • Functionality Cookies
    Type: Persistent Cookies
    Administered by: Us
    Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.
  • ● Tracking and Performance Cookies
    Type: Persistent Cookies
    Administered by: Third-Parties
    Purpose: These Cookies are used to track information about traffic to the Website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Website. We may also use these Cookies to test new pages, features or new functionality of the Website to see how our users \ react to them.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

Use of Your Personal Data
The Company may use Personal Data for the following purposes:

  • To provide and maintain our Service, including to monitor the usage of our Service.
  • To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
  • For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
  • To contact You:To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
  • To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
  • To manage Your requests: To attend and manage Your requests to Us.
  • For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
  • For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

  • With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, for payment processing, to contact You.
  • For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
  • With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
  • With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
  • With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
  • With Your consent: We may disclose Your personal information for any other purpose with Your consent.

 

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:

  • Comply with a legal obligation
  • Protect and defend the rights or property of the Company
  • Prevent or investigate possible wrongdoing in connection with the Service
  • Protect the personal safety of Users of the Service or the public
  • Protect against legal liability

Security of Your Personal Data
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Detailed Information on the Processing of Your Personal Data
The Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies.

Analytics
We may use third-party Service providers to monitor and analyze the use of our Service.

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Email Marketing
We may use Your Personal Data to contact You with newsletters, marketing or promotional materials and other information that may be of interest to You. You may opt-out of receiving any, or all, of these communications from Us by following the unsubscribe link or instructions provided in any email We send or by contacting Us.

Payments
We may provide paid products and/or services within the Service. In that case, we may use third-party services for payment processing (e.g. payment processors).
We will not store or collect Your payment card details. That information is provided directly to Our third-party payment processors whose use of Your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

 

CCPA Privacy Policy

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.

  • Category A: Identifiers.
    Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, driver's license number, passport number, or other similar identifiers.
    Collected: Yes.
  • Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
    Examples: A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.
    Collected: Yes.
  • Category C: Protected classification characteristics under California or federal law.
    Examples: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
    Collected: Yes.
  • Category D: Commercial information.
    Examples: Records and history of products or services purchased or considered.
    Collected: Yes.
  • Category E: Biometric information.
    Examples: Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
    Collected: Yes.
  • Category F: Internet or other similar network activity.
    Examples: Interaction with our Service or advertisement.
    Collected: Yes.
  • Category G: Geolocation data.
    Examples: Approximate physical location.
    Collected: Yes.
  • Category H: Sensory data.
    Examples: Audio, electronic, visual, thermal, olfactory, or similar information.
    Collected: No.
  • Category I: Professional or employment-related information.
    Examples: Current or past job history or performance evaluations.
    Collected: No.
  • Category J: Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).
    Examples: Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
    Collected: No.
  • Category K: Inferences drawn from other personal information.
    Examples: Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
    Collected: No.

Under CCPA, personal information does not include:

  • Publicly available information from government records
  • Deidentified or aggregated consumer information
  • Information excluded from the CCPA's scope, such as:
  • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data
  • Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994

 

Sources of Personal Information
We obtain the categories of personal information listed above from the following categories of sources:

  • Directly from You. For example, from the forms You complete on our Service, preferences You express or provide through our Service, or from Your purchases on our Service.
  • Indirectly from You. For example, from observing Your activity on our Service.
  • Automatically from You. For example, through cookies We or our Service Providers set on Your Device as You navigate through our Service.
  • From Service Providers. For example, third-party vendors to monitor and analyze the use of our Service, third-party vendors for payment processing, or other third-party vendors that We use to provide the Service to You.

 

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:

  • To operate our Service and provide You with our Service.
  • To provide You with support and to respond to Your inquiries, including to investigate and address Your concerns and monitor and improve our Service.
  • To fulfill or meet the reason You provided the information. For example, if You share Your contact information to ask a question about our Service, We will use that personal information to respond to Your inquiry. If You provide Your personal information to purchase a product or service, We will use that information to process Your payment and facilitate delivery.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • As described to You when collecting Your personal information or as otherwise set forth in the CCPA.
  • For internal administrative and auditing purposes.
  • To detect security incidents and protect against malicious, deceptive, fraudulent or illegal activity, including, when necessary, to prosecute those responsible for such activities.

Please note that the examples provided above are illustrative and not intended to be exhaustive. For more details on how we use this information, please refer to the "Use of Your Personal Data" section
If We decide to collect additional categories of personal information or use the personal information We collected for materially different, unrelated, or incompatible purposes We will update this Privacy Policy.
Disclosure of Personal Information for Business Purposes or Commercial Purposes
We may use or disclose and may have used or disclosed in the last twelve (12) months the following categories of personal information for business or commercial purposes:

  • Category A: Identifiers
  • Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
  • Category D: Commercial information
  • Category F: Internet or other similar network activity

Please note that the categories listed above are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact disclosed, 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 disclosed.
When We disclose personal information for a business purpose or a commercial purpose, We enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

 

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:

  • Category A: Identifiers
  • Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
  • Category D: Commercial information
  • Category F: Internet or other similar network activity

 

Share of Personal Information
We may share Your personal information identified in the above categories with the following categories of third parties:

  • Service Providers
  • Payment processors
  • Our affiliates
  • Our business partners
  • Third party vendors to whom You or Your agents authorize Us to disclose Your personal information in connection with products or services We provide to You

 

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:

  • The right to notice. You have the right to be notified which categories of Personal Data are being collected and the purposes for which the Personal Data is being used.
  • The right to request. Under CCPA, You have the right to request that We disclose information to You about Our collection, use, sale, disclosure for business purposes and share of personal information. Once We receive and confirm Your request, We will disclose to You:
    • The categories of personal information We collected about You
    • The categories of sources for the personal information We collected about You
    • Our business or commercial purpose for collecting or selling that personal information
    • The categories of third parties with whom We share that personal information
    • The specific pieces of personal information We collected about You
    • If we sold Your personal information or disclosed Your personal information for a business purpose, We will disclose to You:
      • The categories of personal information categories sold
      • The categories of personal information categories disclosed
  • The right to say no to the sale of Personal Data (opt-out). You have the right to direct Us to not sell Your personal information. To submit an opt-out request please contact Us.
  • The right to delete Personal Data.You have the right to request the deletion of Your Personal Data, subject to certain exceptions. Once We receive and confirm Your request, We will delete (and direct Our Service Providers to delete) Your personal information from our records, unless an exception applies. We may deny Your deletion request if retaining the information is necessary for Us or Our Service Providers to:
    • Complete the transaction for which We collected the personal information, provide a good or service that You requested, take actions reasonably anticipated within the context of our ongoing business relationship with You, or otherwise perform our contract with You.
    • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
    • Debug products to identify and repair errors that impair existing intended functionality.
    • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
    • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
    • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if You previously provided informed consent.
    • Enable solely internal uses that are reasonably aligned with consumer expectations based on Your relationship with Us.
    • Comply with a legal obligation.
    • Make other internal and lawful uses of that information that are compatible with the context in which You provided it.
  • The right not to be discriminated against. You have the right not to be discriminated against for exercising any of Your consumer's rights, including by:
    • Denying goods or services to You
    • Charging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penalties
    • Providing a different level or quality of goods or services to You
    • Suggesting that You will receive a different price or rate for goods or services or a different level or quality of goods or services

 

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:

  • By visiting this page on our website: Elektra Go
  • By sending us an email: support@elektrago.app

Only You, or a person registered with the California Secretary of State that You authorize to act on Your behalf, may make a verifiable request related to Your personal information.
Your request to Us must:

  • Provide sufficient information that allows Us to reasonably verify You are the person about whom We collected personal information or an authorized representative
  • Describe Your request with sufficient detail that allows Us to properly understand, evaluate, and respond to it

We cannot respond to Your request or provide You with the required information if we cannot:

  • Verify Your identity or authority to make the request
  • And confirm that the personal information relates to You
  • We will disclose and deliver the required information free of charge within 45 days of receiving Your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonably necessary and with prior notice.

Any disclosures We provide will only cover the 12-month period preceding the verifiable request's receipt.
For data portability requests, We will select a format to provide Your personal information that is readily usable and should allow You to transmit the information from one entity to another entity without hindrance.

 

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.

  • The NAI's opt-out platform: http://www.networkadvertising.org/choices/
  • The EDAA's opt-out platform http://www.youronlinechoices.com/
  • The DAA's opt-out platform: http://optout.aboutads.info/?c=2&lang=EN

The opt out will place a cookie on Your computer that is unique to the browser You use to opt out. If you change browsers or delete the cookies saved by your browser, You will need to opt out again.

 

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:

  • "Opt out of Interest-Based Ads" or "Opt out of Ads Personalization" on Android devices
  • "Limit Ad Tracking" on iOS devices

You can also stop the collection of location information from Your mobile device by changing the preferences on Your mobile device.

 

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:

  • By visiting this page on our website: Elektra Go
  • By sending us an email: support@elektrago.app

 

 
Central Bank of Kansas Privacy Policy

Rev. 7-2022

Central Bank Kanzas City
FACTS WHAT DOES CENTRAL BANK OF KANSAS CITY DO WITH YOUR PERSONAL INFORMATION?

 

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security Number
  • Account balances
  • Income
  • Credit history
  • Credit scores
  • Transaction history

When you are no longer our customer, we continue to share your information as described in this notice
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Central Bank of Kansas City chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does Central Bank of Kansas City share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		 Yes No
For our marketing purposes—
to offer our products and services to you		 Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes—
information about your transactions and experiences		 No We don’t share
For our affiliates’ everyday business purposes—
information about your creditworthiness		 No We don’t share
For non-affiliates to market to you No We don’t share

 

Questions? Call the toll-free number on the back of your card, or call (605) 370-5135.

 

Who we are  
Who is providing this notice? Central Bank of Kansas City

 

What we do  
How does Central Bank of Kansas City protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Central Bank of Kansas City collect my personal information? We collect your personal information, for example, when you:
  • Open an account
  • Apply for a loan
  • Pay your bills
  • Deposit or withdraw money
  • Use your debit card
Why can’t I limit all sharing? Federal law gives you the right to limit only:
  • Sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

 

Definitions  
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • Central Bank of Kansas City does not share with our affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Central Bank of Kansas City does not share with non-affiliates so they can market to you.
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Central Bank of Kansas City may partner with certain nonaffiliated financial companies to make available certain financial products and services to you.

 

Other important information
Special Notice for Residents of Certain States:
Residents of California and Vermont: In accordance with state law, we will not share your personal information with non-affiliates except as permitted by law, including for example, for our own marketing purposes, for everyday business purposes, such as serving your account, or with your consent.
Residents of Nevada: You are being provided this notice pursuant of Nevada law.
 
UniTeller Privacy Policy

What does Servicio UniTeller do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? 

The types of personal information we collect and share depend on the product or service you have with us. This information can include without limitation:

  • Information that you provide us in the course of using the Service, such as your name, address, e-mail address, and telephone or mobile number, number of transactions, transaction amounts, government identification.
  • We may also collect certain sensitive information from you including your bank account number, credit card/prepaid card/debit card number, and date of birth.
  • Information that you provide us in the course of your participating in various partner promotional programs.
  • To facilitate our Service, we request certain third party personal information from you such as your recipient’s full name, physical address, email address, and phone number. We may also collect from you the recipient’s sensitive financial information including their bank account and routing number.
  • Information about your usage of the Service, including your transaction history, and how and to whom you use the Service to send or receive money;
  • Information that we lawfully obtain from third parties, such as identity verification services, electronic database services, and credit reporting agencies;

For Mobile and online customers we also collect.

  • Information that we indirectly obtain from you, such as information about the hardware and software you use when accessing the Service, your IP address, the pages you access on this website, and other websites that you visit and that refer you to us prior to accessing the Service.
  • We may also use “cookies” to track your use of this website. A cookie is a small data file that we may place on your computer to identify you when you return to the website. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of the Service.
  • At this time uniteller.com websites do not recognize automated browser signals regarding tracking mechanisms, including do not track (DNT) instructions. These tracking mechanisms may use session ID and cookies to enhance our websites, and to present you with UniTeller advertising on other sites based on your interaction on our website. Although blocking all cookies may affect your online experience and prevent you from enjoying the full features offered on uniteller.com websites, we believe that consumers should exercise choice regarding the collection of personally identifiable information. To change your privacy preferences regarding the use of cookies and similar technologies, please consult the “Help” section of your browser.
  • We may use, and we may allow you to use sign-in services such as Facebook Connect, which will authenticate your identity and provide you the option to share certain personal information with us as your name and email address to pre-populate our sign up form. These services as Facebook Connect will give you the option to post information about your activities on our site to your profile page to share with others. We encourage you to review and understand the privacy policies and practices of such sites or services.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Servicio UniTeller chooses to share; and whether you can limit this sharing.

When?

This Privacy Policy was last modified on 12/15/2022.

To Limit Our Sharing

OPT OUT RIGHT (EXCEPT FOR CALIFORNIA CONSUMERS)

If you prefer that we limit sharing with affiliates or non-affiliated third parties as described above, you may opt out of those disclosures as follows:

Call 1.800.456.3492 or visit us online at www.uniteller.com and modify your user settings, or Mail the form below to: Servicio UniTeller, Servicio UniTeller INC 4516 Seton Center Pkwy Ste 125; Austin, TX. USA. 78759.

Questions

Call 1.800.456.3492 or visit us online: www.uniteller.com

Mail-In Form

Mark any/all you want to limit:

( ) Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

( ) Do not allow your affiliates to use my personal information to market to me.

( ) Do not share my personal information with non-affiliates to market their products and services to me.

Who are we?

Name: 
Address
City, State, Zip
 
Mail to: 
Servicios UniTeller INC
4516 Seton Center Pkwy Ste 125
Austin, TX 78759 USA
 

Who is providing this notice?

Servicio UniTeller Inc

What Do We Do?

How does UniTeller protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. For mobile and online users, we also employ industry-accepted standards in protecting the information you submit to us on our Site and on our Applications. We have put in place encryption technology to protect your sensitive information transmitted on our Sites. We also require a username and password from each user who wants to access his/her information on our Sites, and we also may require that the user answers various random security questions when logging in (especially if logging in from a different computer, mobile device or browser), plus we may use a security image to identify such user.

How does UniTeller collect my personal information?

We collect your personal information, for example, when you

– Register with us at www.uniteller.com and in to our Mobile Application

– Send money using our service

– Use your Bank account, credit or debit card using our service

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

– sharing for affiliates’ everyday business purposes—information about your creditworthiness

– affiliates from using your information to market to you

– sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. [See below for more on your rights under state law.

 

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

– Uniteller Financial Services

– Uniteller de Mexico

– Uniteller Filipino

– Banco Mercantil de Norte

– Grupo Financiero Banorte

– Banorte Securities International

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other Important Information

Texas Consumers:

If you have a complaint, first contact the consumer service division at Servicio Uniteller at 1.800.456.3492, if you still have an unresolved complaint regarding our activities, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Blvd, Austin, Texas 78705, 1.877.276.5554 (toll free) www.dob.texas.gov

Children’s Privacy:

Our website is not directed at children or anyone under the age of 18. Servicio Uniteller does not knowingly collect or maintain information at our website from persons under the age of 18.

External Websites:

Our website may be linked to or from third party websites. Servicio Uniteller is not responsible for the content or privacy practices of websites that are linked to or from our website. We encourage you to familiarize yourself with the privacy policy or practices of these other sites prior to submitting your personal information to them.

Changes:

Servicio Uniteller reserves the right to modify this Privacy Policy

Important Privacy Choices for California Consumers

You have the right to control whether we share some of your personal information.

Please read the following information carefully before you make your choices below.

YOUR RIGHTS

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control, or that we have common ownership) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your account(s) with us. This includes sending you information about additional products and/or services.

YOUR CHOICE

Restrict promotions: Unless you say no, we may send you UniTeller promotions to your registered email from time to time.

 No, please do not send me UniTeller exclusive Promotions.

Restrict information sharing with our Affiliates (Companies we own, or control, or that we have common ownership): Unless you say “no,” we may share personal and financial information about you with our affiliated companies.

No, please do not share personal and financial information with your affiliated companies

Restrict information sharing with other companies we do business with to provide financial products and services: Unless you say “no,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

 No, please do not share personal and financial information with outside companies you contract with to provide financial products and services

TIME SENSITIVE REPLY

You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise. However, if we do not hear from you, we may share some of your information with affiliated companies and other companies with who we have contracts to provide products and services.

Name:

Signature:

Date:

To exercise your choice, do one of the following:

  1. Fill out, sign, and mail this form to us using the envelope provided (you may want to make a copy for your records).

  2. Fill out, sign, and fax this form to us at : 1.866.235.3279

  3. Call us toll-free at: 1-800.456.3492