By registering and/or using Andeno’s products and services, including our website, www.andeno.com, you expressly authorize and consent to Andeno’s collection, aggregation, and use of your information as set forth herein. This includes Andeno’s aggregation and use of your personal information for future marketing purposes, such as determining your current and future eligibility for products and services and continued verification of your eligibility for participation in any program offered by Andeno or one of its marketing partners, now or in the future.
This policy is incorporated into and a material term of your registration and/or use of Andeno’s products and services, including our website, www.andeno.com.
Effective date: August 24, 2017.
| Facts | What does Andeno 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:
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| 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 Andeno chooses to share; and whether you can limit this sharing. |
| Reasons we can share your information | Does Andeno 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 | Yes |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes – information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For our nonaffiliates to market to you | Yes | Yes |
| To limit our sharing |
|---|
| Email us at support@andeno.com. Please note, if you are a new customer, we can begin sharing your information 30 days from the date we provided this notice. When you are no longer our customer, we continue to share your information as described in this notice. |
| Questions? |
|---|
| Email us at support@andeno.com. |
| Who we are? | |
|---|---|
| Who is providing this notice? | Andeno Co |
| What we do? | |
|---|---|
| How does Andeno 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 Andeno collect my personal information? | We collect your personal information, for example, when you:
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:
State laws and individual companies may give you additional rights to limit sharing. |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account - unless you tell us otherwise. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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| Other important information | |
|---|---|
| Telephone communications | For quality assurance purposes, we and our authorized partners may monitor or record all telephone communications. |
| Disclosure of Information | |
|---|---|
| Service providers | We work with a number of service providers who support our operations, including but not limited to, credit bureaus, electronic payment service providers, and other nonaffiliated third parties. We share information with these third parties only to the extent necessary for us to process the transactions you initiate or to perform other specific services, like collections or identity verification. Our service providers are legally required to keep your information private and secure and adhere to applicable state and federal laws and regulations. |
| Third-party websites and services | Additionally, we may provide you with links to third-party websites and services. Those websites and services will have different security and privacy practices, so you should review them when visiting a third-party website or using a third-party service. Andeno is ultimately not responsible for the information practices employed by sites or services linked to or from our website. In most cases, we provide those links as a way to obtain information on products and topics that may be useful to you. |
| Questions? | Email us at support@andeno.com. |
| Other important information | |
|---|---|
| Correcting or deleting information | Upon written request, Andeno will provide you with information about whether we hold any of your personal information. You can access your personal information (such as name, email address, and mailing address) that we collect online and maintain by visiting your profile in your Account Summary on our website. This section of the website is password-protected to better safeguard your information. As a registered user, you can update your password, email address, physical address, phone number, and bank account information at any time on the website, and if you need to change any other information in your profile, you can contact us at support@andeno.com. We will respond to your request within a reasonable timeframe. Due to the regulated nature of our industry, we are under legal requirements to retain data and are generally not able to delete consumer transactional data upon request. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our membership. We may also be required to maintain your personal information for at least seven years to be in compliance with applicable federal and state laws regarding recordkeeping, reporting, and audits. You may sign up to receive newsletter or other communications from us. If you would like to discontinue receiving this information, you may update your email preferences by using the Unsubscribe link found in emails we send to you or by contacting us at support@andeno.com. |
| Law enforcement or other government sharing | We may share your information with law enforcement or other government agencies as required by law. For example, to comply with a subpoena; respond to lawful requests by public authorities, including to meet national security or law enforcement requirements, judicial proceedings, court order, bankruptcy proceedings, or similar legal process; or for the purposes of limiting fraud. |
| Privacy dispute resolution | If you have a privacy or data use concern, please contact us first at support@andeno.com. If we have not addressed your privacy or data use concern satisfactorily, please contact our U.S.-based, privacy and data usage third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request. |
| Policy against advertising our website using unsolicited email messages | We require that all emails promoting Andeno or our website are sent only to customers who have agreed to receive such messages. We prohibit any advertising of our brand and website using unsolicited email messages. If you feel you have been sent unsolicited emails promoting our brand or website and would like to register a complaint, please contact us at support@andeno.com. |
| Facts | How does Andeno utilize web-related information collection? |
|---|---|
| Why? | We and our partners use technologies such as cookies or similar technologies. As is true of most websites, we also gather certain information automatically and store it in log files. We may combine this automatically collected log information with other information we collect about you. We use this technology to analyze trends, administer our website, track users’ movements around the website, and gather demographic information about our user base as a whole. We do this to improve services we offer you, to improve analytics, and to enhance website functionality. |
| What? | Log file information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring and exit pages, operating system, date and time stamp, and/or clickstream data. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our website or service. |
| How? | We may combine log file information with other information we collect about you. |
| To limit advertisement data collection |
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| We may partner with third-party ad networks to either display advertising on our website or to manage our advertising on other websites. Our ad network partners use cookies and beacons to collect non-personally identifiable information about your activities on this and other websites to provide you or others targeted advertising based upon your interests. |
| To opt out |
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| If you wish to not have this information used for the purpose of serving you targeted ads, you may opt out by contacting us at support@andeno.com. Please note this does not opt you out of being served advertising. You will continue to receive generic ads. |
| Referral activities |
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We may also collect from you the following personal information about your contacts:
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