Privacy Statement

Effective as of December 17, 2019

Introduction

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

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

From time to time, we may change this Privacy Statement. If we do, we will post an amended version on this webpage. Please review this Privacy Statement periodically. Your continued use of the Sites and Services after any such amendment signifies your acceptance thereof.

Collecting and Using Information

Personally Identifiable Information We Collect Online

Through your use of the Sites and Services, we may collect personally identifiable information, which is individually identifiable information about an individual consumer that we collect online and that we maintain in an accessible form (“Personally Identifiable Information”). We collect the following types of Personally Identifiable Information:

Information You Provide

We may collect the following Personally Identifiable Information that you voluntarily provide to us:

Information as You Navigate Our Site

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

Information Provided About a Third Party

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

How We Use Your Personally Identifiable Information

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

How We Share Your Personally Identifiable Information

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

Where appropriate, we will limit sharing of your information in accordance with the choices you have provided us in response to our Privacy Noticeopens in a new window.

Cookie and Other Tracking Technologies

Cookies

“Cookies” are a feature in your browser or mobile application software. If enabled, cookies store small amounts of data on your computer about actions you take on the pages of our website. Cookies assist us in tracking which of our features you visit most often, and what content you viewed on past visits. When you visit our Sites again, cookies allow us to customize our content according to your preferences. We may use cookies to keep track of the number of return visits, accumulate and aggregate statistical information generally pertaining to our website, and deliver specific content to you based on your past viewing history. When you register or sign on to your account, you may be asked to verify your identity by entering a code on the website that we provide through text, email or voice call to the telephone number or email address on your account. We may use cookies or other technologies to recognize your device once it has been authenticated.

You have the ability to accept, decline or remove cookies, at any time, by modifying your browser settings. Please see the “help” section of your browser or read more about cookies at http://cookiecentral.com.opens in a new window

Web Beacons

We use electronic images known as Web beacons (sometimes called single-pixel gifs, clear gifs or action tags) which allow us to collect information about your visit to our Sites, measure and improve the effectiveness of advertisements and track delivery of advertising. Web beacons collect only a limited set of information including a cookie number, time and date of page view, as well as a description of the page on which the Web beacon resides.

Because Web beacons are the same as any other content request, you cannot opt out or refuse them. However, they can be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser.

Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site and Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policiesopens in a new window. Google's Privacy & Termsopens in a new window to learn more about how to opt-out of tracking of analytics by Google also includes information on Google's partner services and how to opt out of tracking of analytics by Google.

“Do Not Track” Signals

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

Choice About Your Personally Identifiable Information

Email and Unsubscribe Process

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

Third Party Email Messages

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

Wireless Addresses

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

Security

We endeavor to safeguard and protect your information. When you submit information on our Sites, such information is protected both online and offline. We have security measures in place to protect against the loss, misuse, and alteration of Personally Identifiable Information under our control. The servers in which we store your information are kept in a secure physical environment. The servers have industry standard firewalls. Access to such servers is password protected and access by our employees is limited. Currently, we use Secure Socket Layer software (“SSL”) to protect data and to secure any transactions. SSL encrypts information including credit card number(s), and names and addresses, as they are transmitted over the Internet. Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our Sites or Services is at your own risk. However, access to your information is strictly limited and not accessible to the public.

Third Party Links

The Site may contain links that will let you leave the Site and access another website. Linked websites are not under our control. Except as stated below, this Privacy Statement applies solely to Personally Identifiable Information that is acquired on this Site. We accept no responsibility or liability for these other websites.

Children's Privacy

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

Notice To California Residents

The California Consumer Privacy Act (CCPA) requires that we provide California residents with a privacy statement that contains a comprehensive description of our online and offline practices regarding the collection, use, disclosure, and sale of personal information and of the rights of California residents regarding their personal information.

The CCPA defines “personal information” to mean information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Personal information does not include information that is publicly available, deidentified or aggregate information. For purposes of this “Notice to California Residents” section we will refer to this information as “Personal Information.”

The CCPA contains important limitations that are relevant to First PREMIER Bank and PREMIER Bankcard, LLC.

The CCPA’s privacy rights described below do not apply to Personal Information that is collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act and its implementing regulations or the California Financial Information Privacy Act. Because we are subject to those laws and regulations, much of the Personal Information that we collect is exempt from the CCPA. Your choices and rights with respect to our use and sharing of that information are subject to our Privacy Noticeopens in a new window .

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

Right to Know About Personal Information Collected, Disclosed, or Sold

Your Right

If you are a California resident, you have the right to request that we disclose what personal information we have collected about you. This right includes the right to request any or all of the following:

  1. Specific pieces of Personal Information that we have collected about you;
  2. Categories of Personal Information we have collected about you;
  3. Categories of sources from which the Personal Information was collected;
  4. Categories of Personal Information that we sold (if applicable) or disclosed for a business purpose about you;
  5. Categories of third parties to whom the Personal Information was sold (if applicable) or disclosed for a business purpose; and
  6. The business or commercial purpose for collecting or, if applicable, selling Personal Information.

The CCPA defines “sell” to mean selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a California resident’s Personal Information to another business or a third party for monetary or other valuable consideration.

How to Submit a Request to Know

If you have an account, you must log into your account and submit your request to know through your account. If you do not have an account, you may submit a request to know through our interactive webform available at https://mypremiercreditcard.com/Home/CCPAopens in a new window or by calling us at 1-877-635-2568.

Our Process for Verifying a Request to Know

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

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

If you do not maintain a password-protected account, or if you are an account-holder but we suspect fraudulent or malicious activity on your account, we will verify your identity as follows:

Request to Know Categories of Personal Information: We will verify your identity to a "reasonable degree of certainty" by verifying at least two data points that you previously provided to us and which we have determined to be reliable for the purpose of verifying identities.

Request to Know Specific Pieces of Personal Information: We will verify your identity to a "reasonable high degree of certainty" by verifying at least three pieces of Personal Information previously provided to us and which we have determined to be reliable for the purpose of verifying identities. In addition, you will be required to submit a signed declaration under penalty of perjury stating that you are the individual whose Personal Information is being requested.

Collection of Personal Information

The following table presents the categories of Personal Information that we have collected, the categories of sources from which that information was collected, and the categories of third parties with whom we shared that Personal Information for the 12 months preceding the Effective Date of this Privacy Statement.

List of Categories of Personal Information in the Preceding 12 Months
Categories of Personal Information Collected Categories of Sources from which Personal Information was Collected Business or Commercial Purpose for the Collection Categories of Third Parties with whom We Share Personal Information
Name
  • Consumer
  • Service Provider
  • Maintaining or servicing accounts
  • Processing or fulfilling orders and transactions
  • Providing customer service
  • Providing financing
  • Enabling or effecting, directly or indirectly, a commercial transaction
Business Partner
Postal address
  • Consumer
  • Service Provider
Same as above Business Partner
Telephone number
  • Consumer
  • Service Provider
Same as above Business Partner
Social security number
  • Consumer
  • Service Provider
Same as above
Driver's license number Consumer Same as above
Account name
  • Consumer
  • Service Provider
  • Maintaining or servicing accounts
  • Processing or fulfilling orders and transactions
  • Providing customer service
  • Providing financing
  • Enabling or effecting, directly or indirectly, a commercial transaction
Bank account number Consumer Same as above
Email address Consumer
  • Maintaining or servicing accounts
  • Processing or fulfilling orders and transactions
  • Providing customer service
  • Providing financing
  • Enabling or effecting, directly or indirectly, a commercial transaction
Business Partner
Records of products purchased, obtained or considered Consumer Same as above
Customer number Consumer Same as above
Other financial information
  • Consumer
  • Service Provider
Same as above
Internet protocol address Consumer
  • Maintaining or servicing accounts
  • Providing customer service
Business Partner
Online identifier Consumer
  • Maintaining or servicing accounts
  • Providing customer service
Unique personal identifier Consumer Same as above
Biometric/Fingerprint (collected by your phone when using our app, but not by us) Consumer Same as above
Cookies, beacons, pixel tags, or other similar technology Consumer
  • Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity
  • Auditing related to a current interaction with the consumer and concurrent transaction, including, but not limited to, counting ad impressions to unique visitors
  • Providing analytic services
Data analytics providers
*Please see “Cookies” section above for more information as to our use of cookies.
Employment information Consumer
  • Providing financing
  • Enabling or effecting, directly or indirectly, a commercial transaction
Gender Consumer
  • Processing or fulfilling orders and transactions
  • Providing financing
  • Enabling or effecting, directly or indirectly, a commercial transaction
Business Partner
Sex Consumer Same as above
Signature Consumer Same as above
Date of birth Consumer Same as above
Military/veteran status Consumer Same as above

As discussed, many of these categories of Personal Information are exempt from the CCPA. Your choices and rights with respect to our use and sharing of that information are subject to our Privacy Noticeopens in a new window.

Disclosure or Sale of Personal Information

The following is a list of categories of Personal Information that we have disclosed or sold to third parties for a business or commercial purpose in the preceding 12 months:

As of the effective date of this Privacy Statement we do not sell these categories of Personal Information.

We do not sell the Personal Information of minors under 16 years of age without affirmative authorization.

Right to Request Deletion of Personal Information

Your Right

If you are a California resident, you have the right to request the deletion of the Personal Information about you that we have collected or maintain. However, a business is not required to comply with a request to delete if it is necessary for the business to maintain the Personal Information in order to, for example, complete a transaction, detect security incidents, comply with a legal obligation, or otherwise use the Personal Information, internally, in a lawful manner that is compatible with the context in which the consumer provided the information.

How to Submit a Request to Delete

If you have an account, you must log into your account and submit your request to delete through your account. If you do not have an account, you may submit a request to delete through our interactive webform available at https://mypremiercreditcard.com/Home/CCPAopens in a new window or by calling us at 1-877-635-2568.

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

Our Process for Verifying a Request

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

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

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

We will verify your identity to a "reasonable degree of certainty" by verifying at least two data points that you previously provided to us and which we have determined to be reliable for the purpose of verifying identities.

We will verify your identity to a "reasonably high degree of certainty" by verifying at least three pieces of Personal Information previously provided to us and which we have determined to be reliable for the purpose of verifying identities. In addition, you will be required to submit a signed declaration under penalty of perjury stating that you are the individual whose Personal Information is being requested.

Notice of Right to Opt-Out of Sale of Personal Information

Your Right

If you are a California resident, you have the right to direct a business that sells (or may in the future sell) your Personal Information to stop selling their Personal Information and to refrain from doing so in the future.

The CCPA defines “sell” to mean selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a California resident’s Personal Information to another business or a third party for monetary or other valuable consideration.

Right to Non-Discrimination for the Exercise of a California Resident's Privacy Rights

We will not discriminate against California residents if they exercise any of the rights provided in the CCPA as described in this section "Notice to California Residents." As such, we will not deny goods or services to that California resident; charge different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties; provide a different level or quality of goods or services to the California resident; or suggest that the California resident will receive a different price or rate for goods or services or a different level or quality of goods or services. However, we are permitted to charge a California resident a different price or rate, or provide a different level or quality of goods or services, if that difference is reasonably related to the value provided to the business by the individual’s data.

Authorized Agents

California residents may use an authorized agent to submit a request to know, delete, or opt-out of sales on your behalf.

If you use an authorized agent to submit a request to know or request to delete, we may require that (1) the authorized agent provide proof of your written permission (2) that you verify your identity directly with us. These requirements do not apply if you have provided the authorized agent with a power of attorney pursuant to California Probate Code sections 4000 to 4465.

If you use an authorized agent to submit a request to opt-out of sales, you will need to provide that authorized agent with written permission to do so and submit written proof to us that the agent has been authorized to act on your behalf.

Shine the Light Law

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

How to Contact Us

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

In writing:
PREMIER Bankcard, LLC
3820 N Louise Avenue
Sioux Falls, SD 57107

By phone: 1-800-987-5521

By email: privacystmt@premierbankcard.com