Brand Name

Gane Privacy Policy

PLEASE READ THIS PRIVACY POLICY CAREFULLY. THIS POLICY DESCRIBES THE WAYS Gane, INC. (“Gane”, “we”, “us”, “our”) OR OUR VENDORS COLLECT, PROTECT, USE AND STORE YOUR PERSONAL INFORMATION. YOU ACCEPT THIS PRIVACY POLICY BY USING OUR PRODUCTS AND SERVICES ON OUR WEBSITE OR THROUGH ANY OTHER MEANS (COLLECTIVELY THE “SERVICES"). We may amend this Privacy Policy at any time by posting a revised version on our website. We will attempt to give a reasonable notice period upon making any changes; however, unless otherwise stated, the revised version will be effective at the time we post it.

1. How Gane collects your information

If you open an account or use the Gane Service, we may collect the following types of information: Personal information - your name, Social Security number, address, phone, email, third-party application IDs, and other similar information. Financial information - bank account numbers and/or credit card numbers that you link to your Gane account or give us when you use the Services. Before permitting you to use the Services, we may require you to provide additional information, including but not limited to your date of birth, social security number and other personal information. We may use this information to verify your identity or other information you provide.

1.2. Information Gane Learns From Your Use

When you visit the Gane website or use the Services, we may collect information sent to us by your computer, mobile phone or any other device. This information may include your IP address, device information including but not limited to identifier, name and type, operating system, location, mobile network information and standard web log information, such as your browser type, traffic to and from our site, the pages you accessed on our website, and any other available information. We may also collect information about your use and interaction with our website, application or the Services. For example, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity that may affect the availability of the Services. When you use the Services, we may also store information based on your usage history. This includes, but is not limited to, details of your purchases, content you viewed, event information, click stream information, and cookies that may uniquely identify your browser or your account. We may also collect information about you from any contact you have with any of our services or employees, such as, with our customer support team, in surveys, or through interactions with our affiliates.

1.3. Cookies and Anonymous Identifiers

We use various technologies to collect and store information when you use the Services, and this may include sending one or more cookies or anonymous identifiers to your device. We also use cookies and anonymous identifiers when you interact with the services we offer to our partners, such as advertising services or Gane features that may appear on other sites and in any other manner that we deem necessary for our business purposes.

1.4. Information Obtained From Third Parties

We may also obtain information about you from third parties such as credit bureaus and identity verification services. You may choose to provide us with access to certain personal information stored by third parties such as social media sites (such as Facebook and Twitter). The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your Gane account and authorizing Gane to have access to this information, you agree that Gane may collect, store and use this information in accordance with this Privacy Policy.

2. How Gane protects your information

2.1. Safety Policies

Gane stores and processes your information maintaining physical, electronic and procedural safeguards. We maintain physical security measures to guard against unauthorized access to systems and use safeguards such as firewalls and data encryption. We enforce physical access controls to our buildings, and we authorize access to personal information only for those employees who require it to fulfill the responsibilities of their jobs.

3. How Gane uses your information

3.1. To Improve Our Service

Gane uses information to perform and improve our services, contact you, conduct research, and provide anonymous reporting for clients. For example, we may use information to provide customer service and support, process transactions, resolve disputes, collect payments, prevent illegal activities, customize the Services, reduce risk to all parties involved in our transactions, and verify the accuracy of information.

3.2. To Serve Relevant Marketing to You

We may use information to deliver targeted marketing, service update notices, and promotional offers based on your communication preferences. We may combine your information with information we collect from other companies and use it to improve and personalize the Services, content, and advertising.

4. When Gane shares your information

4.1. For Our Everyday Business Purposes

We share your personal information with employees, affiliates, vendors, partners and third parties as required to offer the Gane Service. This includes, but is not limited to, processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit bureaus.

4.2. When Required By Law

We will share your information with any party when required by law or by a government request to do so or to combat fraud or criminal activity.

5. How Gane does NOT use your information

5.1. Selling Information to Third Parties

We don't sell or rent your personal information to third parties.

6. What are your options?

6.1. Notifications

If you no longer wish to receive notifications about our Services, you may change your notification preferences by emailing help@Gane.com. Gane reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Gane Service. You are still responsible for any amounts due to Gane even if we close or limit access to your account.

6.2. SMS Messaging

You can opt out of receiving SMS messages by emailing help@Gane.com. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. Again, Gane reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Gane Service. You are still responsible for any amounts due to Gane even if we close or limit access to your account.

6.3. Access Your Information

You can review and edit your personal information at any time by logging in to your account on the Website or by contacting us at help@Gane.com. You can also request to close your account by contacting us at help@Gane.com. If you close your Gane account, we will mark your account in our database as “Closed,” but will keep your account information in our database to comply with our legal obligations. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. If you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law or in accordance with this Privacy Policy.

6.4. Contact Gane

If you have questions or concerns regarding this Privacy Policy, you should contact us at Support@Gane.com.

Sunrise Banks Privacy Policy

Effective as of May 12, 2016

Facts

What does Sunrise Banks, N.A. 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 that we collect and share depend on the product or service you have with us. This can include: Social Security Number and Date of Birth Address of Residence and Government Issued Identification 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 Sunrise Banks, N.A. chooses to share; and whether you can limit the sharing.

Reasons we can share your personal information Does Sunrise Banks, N.A. Share? Can you limit this sharing?
For our everyday business purposes – such as: to process your transaction, 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. Yes No
For our affiliates’ everyday business purposes- information about your creditworthiness. No We don't share
For our affiliates to market to you. No We don't share
For non affiliates to market to you. No We don't share

Questions?

Call 1-877-737-7297

Who is providing this notice?

Sunrise Banks, N.A.

How does Sunrise Banks, N.A. 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, secured files and buildings.

How does Sunrise Banks, N.A. collect my personal information?

We collect personal information, for example, when you Open a Card Account or use your card Pay your bills or make a purchase Give us your contact information 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.

DEFINITIONS

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as University Financial Corp. dba Sunrise Banks.

Non Affiliates

Companies not related by common ownership or control. They can be financial or nonfinancial companies. Sunrise Banks, N.A. does not share with nonaffiliates 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. Our joint marketing partners include prepaid card companies.