“Nonpublic Personal Information” means information about you that we obtain in connection with providing financial products or services to you. For example, nonpublic personal information includes information regarding your account holder information, account balance or payment history.
1. How We Collect Your Information
We collect information, including Nonpublic Personal Information when you:
register to use the YouWorld Service;
process transactions through your YouWorld account;
connect your social media account(s);
use one or all of YouWorld’s services; and
communicate with us.
We may also collect nonpublic personal information about you from the following sources:
information about your transactions with others;
information about your transactions with nonaffiliated third parties;
and Information we receive from a consumer reporting agency, such as credit bureaus.
Our Security Procedures
We take all necessary steps to safeguard customer information. We restrict access to your personal and account information to only those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to safeguard your nonpublic personal information.
1.1. Creating a YouWorld Account.
You must register to use the YouWorld Service. When you choose to create an account, we are required to collect information including your date of birth, social security number, email address and phone number. You may decline to provide this information, however, doing so may prevent you from engaging with and using the YouWorld Service.
1.2. Using the YouWorld Service.
We collect information from you as you use the YouWorld Service; when you initiate a transaction, when you send payments or otherwise engage with or use the Service.
1.3. Customer Support.
We may collect information, including Personal Information from you through your communications with our customer support team.
1.4. Mobile Device Information.
We collect information about the computer or mobile device you use to access our Services which may include the hardware model, operating system and version, unique device identifiers and mobile network information. We may also collect other device identification information for the purposes of detecting and preventing fraud.
1.5. Location Data.
If you have ‘background location’ turned on, the YouWorld app will, from time to time, tell us about your device’s location even if you are not directly interacting with the application.
When we have location information, we use it to tailor our Services for you and others, like helping reduce card fraud by matching your card activity with your location.
1.6. Cookies, Automatic Data Collection, and Related Technologies.
When you visit YouWorld, we and third parties that provide certain functionality on the YouWorld Service may engage, receive, and record information from your use of the YouWorld Service and server logs from your browser, including your IP address, cookies and similar technology. This information is used for security purposes to authenticate your identity and improve the quality of our services, such as storing your account preferences.
Cookies are commonly used on websites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. Most browsers allow you to block and delete cookies; however, by blocking cookies on our site, it may impact the services we provide you.
2. How We Use Your Information
We use the information we collect, including Personal Information to:
Facilitate and improve the YouWorld Service; and communicate with you.
Provide and deliver the products and services you request, process transactions, and send you related information, including confirmations
Verify your identity and prevent fraud;
Monitor and analyze trends, usage, and activities in connection with our Services;
2.1. Internal and Service-Related Usage.
We use information, including Personal Information, for internal and service-related purposes and may provide it to third parties to allow us to facilitate the YouWorld Service. We may use and retain any data we collect to provide and improve our services.
We may send email to the email address you provide to us to verify your account and for informational and operational purposes, such as account management, customer service, or system maintenance. We may store your email address, your message and our response for quality assurance. We may also do this to meet legal and regulatory requirements.
We do not rent, sell, or share Personal Information about you with other individuals or non-affiliated companies for their direct marketing purposes, unless we have your permission. We also do not provide any Personal Information to any third-party ad networks. We may use your Personal Information and other information to communicate with you by email to provide you with information and services we think may be of interest to you.
2.4. Aggregate Data.
We may cleanse and aggregate data collected through the YouWorld Service and use it for any purpose. We do not consider information that has been cleansed to be Personal Information.
We may share your information, including cleansed Personal Information:
with our third-party service providers;
to comply with legal obligations;
to protect and defend our rights and property; and
with your permission.
3. How We May Disclose Your Information
We are permitted under law to disclose nonpublic information about you to other third parties in certain circumstances. For example, we may disclose nonpublic information about you to third parties to assist us in servicing your account with us. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.
If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
3.1. Vendors and Service Providers.
We may share any information we receive with vendors and service providers retained in connection with the provision of the YouWorld Service.
3.2. As Required By Law and Similar Disclosures.
We may disclose your personal Information, other account information, and content if we believe doing so is required or appropriate to: (a) comply with law enforcement requests and legal process, such as a court order or subpoena; (b) respond to your requests; or (c) protect yours', ours' or others' rights, property, or safety.
3.3. Merger, Sale, or Other Asset Transfers.
If we are involved in a merger, acquisition, reorganization, sale of company assets, or transition of service to another provider, your information may be sold or transferred as part of such a transaction as permitted by law and/or contract. We cannot control how such entities may use or disclose such information.
4. Security of Your Information
We take steps to ensure that your information is treated securely and in accordance with this Policy. Unfortunately, the Internet cannot be guaranteed to be 100% secure, and we cannot ensure or warrant the security of any information you provide to us. We do not accept liability for unintentional disclosure.
By using the YouWorld Service or providing Personal Information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the YouWorld Service. If we learn of a security system breach, we may attempt to notify you electronically by posting a notice on the YouWorld Service or sending an email to you. You may have a legal right to receive this notice in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please notify us at email@example.com.
5. Links to Third Party Services