Privacy Policy

The Privacy Policy (the “Privacy Policy,” or the “Policy”) outlines how Benjamin Capital Partners, Inc. (“we,” “us”, and “our”) source, use, disclose and protect the personal information you (“you” or “your”) provide when you access or use (1) our websites located at and other Benjamin websites (the “Website”); (2) our mobile application(s) (collectively, the “Application”); and (3) any services, content, communications, and product features relating to the Website and Application (together with the Website and the Application, the “Services”). This Policy does not apply to the practices of third-party websites, services or applications.

Personal Information Defined.

“Personal Information” refers to any information we can use to identify you or can reasonably be linked or associated with you. Personal Information includes:

Information lawfully available from government records and used for a purpose consistent with its availability is not Personal Information. Likewise, information that is disassociated from anything that identifies you is not Personal Information. For example, if Personal Information from you is combined with Personal Information of other persons who use the Services, and the individual consumer identities of everyone has been removed and are not associated to a particular person, it is not Personal Information.

Personal Information Collected and Corrections.

Benjamin collects the following from you:

Financial Information Collected.

Financial information includes your Benjamin and other bank account numbers, debit card and credit card numbers, and transaction history. When Benjamin collects this information, it does so on behalf of & It's partners and affiliates  bank, pursuant to the Privacy Notice you received from us and & It's partners and affiliates bank when you opened an account. You may review the Privacy Notice(s) applicable to your account(s) at any time at

Benjamin Rewards Program

Transaction Data Collection.

We currently use Fidel and the Payment Card Networks (Visa,Mastercard and AMEX) to monitor card transactions for your participation in the Benjamin Rewards Program. Your agreement to the various Terms of Use and other terms applicable to your participation in the Benjamin Rewards Program (collectively, “Terms”) authorize Fidel and the Payment Card Networks to monitor the transactions made with your registered eligible payment cards via the Benjamin Rewards Program. The data collected from Fidel includes your registered card identifier, merchant, transaction date/time and amount.

Transaction Data Usage.

Notwithstanding anything to the contrary in the Terms or Privacy Policy, Company and its third party service providers (such as Fidel) will use transaction information solely as follows:

Transaction Monitoring.

By registering a payment card in connection with transaction monitoring, you authorize Benjamin to share your payment card information with Visa, Mastercard and AMEX (Payment Networks) so it knows you enrolled. You authorize Mastercard, Visa and AMEX to monitor transactions on your registered card(s) to identify qualifying purchases in order to determine whether you have qualified for or earned an offer linked to your payment card, and for Visa, Mastercard and AMEX (Payment Networks) to share such transaction details with Benjamin and participating merchants to enable your card-linked offer(s) and provide offers that may be of interest to you. You may opt-out of transaction monitoring on the payment card(s) you have registered by navigating to your settings menu to remove your linked card(s).

Transaction Eligibility.

You acknowledge that Visa, Mastercard and AMEX may be unable to monitor every transaction made with your enrolled Visa, Mastercard and AMEX including PIN-based purchases on debit cards, purchases you initiate through identification technology that substitutes for a PIN, or transactions that are not processed or submitted through the Visa U.S.A.

or MasterCard, AMEX payment systems, and that these transactions are not eligible. You may opt-out of this monitoring at any time by selecting ‘Account’ from the home screen of your Benjamin Rewards Program account and deleting your registered card(s). If you register a debit card, your transaction must be processed as a ‘credit’ (i.e., signature) transaction to make sure

the transaction can be monitored. Do not use a Personal Identification Number (PIN) when paying for your purchases with your enrolled card if you want the transaction to be available for view or action on the Benjamin Rewards Program App.

Card Eligibility.

Not all Visa, MasterCard, and American Express cards are eligible for registration - including PIN based purchases on debit cards. Visa, MasterCard, and American Express Corporate cards, Visa, MasterCard, and American Express Purchasing cards, non-reloadable prepaid cards, government-administered prepaid cards (including EBT cards),

healthcare (including Health Savings Account (HSA) or Flexible Spending Account (FSA) or insurance prepaid cards, Visa Buxx, and Visa-, MasterCard-, and American Express-branded cards whose transactions are not processed through the Visa payment system, MasterCard payment system, and/or American Express payment system are not eligible to participate.

Collection of IP Addresses, Web Beacons and Customized Links, Cookies and Other Session Trackers (collectively, “Digital Identifiers”) and Geolocation Data.

How we use Your Personal Information, Financial Information, Digital Identifiers, and Geolocation Data.

Benjamin uses your Personal Information, Financial Information, Digital Identifiers and Geolocation Information to:

With Whom We Share Your Personal Information, Financial Information, and Digital Identifiers.

To accomplish the business purposes outlined in section 5 above, Benjamin may disclose your Personal Information, Financial Information, Digital Identifiers, and Geolocation Data to the following third-party service providers who are contractually obligated to secure and refrain from disclosing any Personal Information that we disclose or otherwise entrust to them:

How to Opt-Out of Email Communications.

We may use your Personal Information to provide you with marketing or other promotional communications via email. If you would like to stop receiving these promotional emails, you may follow the opt-out instructions contained in any such e-mail or by contacting us as set out at the bottom of this policy. Please note that by opting out, you may prohibit Benjamin from informing you of offerings that may be of interest to you. It may take up to ten (10) business days for us to process opt-out requests. You will continue to receive non-promotional emails about your relationship with us.

Benjamin Never Sells Your Information.

Benjamin does not sell your Personal Information, Financial Information, Digital Identifiers, and Geolocation Data to third parties.


If you refer a customer to Benjamin, we may share the fact that you have a Benjamin & It's partners and affiliates  bank account with the customer referred, but we will not share your account information.

Legal Disclosures.

  1. Benjamin may transfer and disclose information, including your Personal Information and information about how the Services are accessed and used, to:
    (a) third parties to comply with a legal obligation,
    (b) when we believe in good faith that the law requires it,
    (c) at the request of governmental authorities conducting an investigation,
    (d) to verify or enforce our Terms of Use and other agreements with us and & It's partners and affiliates  bank or other applicable policies,
    (e) to respond to an emergency, or
    (f) otherwise to protect the rights, property, safety or security of third parties, users of the Services, or the public.

Business Transfers.

If another entity acquires us or our assets, Personal Information, Financial Information, Digital Identifiers and Geolocation Data that are collected through the Services may be disclosed to such entity as one of the transferred assets.

Sharing with Your Permission.

At your direction or request, we may share your Personal Information, Financial Information, Digital Trackers, and Geolocation Data with specified third parties.

Updating Your Personal Information and Information Retention.

If you wish to modify, verify, correct, or update any of your Personal Information collected through the Services, you may do so by logging into your Benjamin & It's partners and affiliates  bank account and updating your account profile or by emailing us at Please note that Benjamin may continue to use your de-identified data after you delete any of your Personal Information or Financial Information. There may be certain instances in which we will retain your Personal Information and Financial Information. Those instances may include but are not limited to providing you Services, complying with our legal obligations, resolving disputes, preventing fraud or as otherwise permitted under law. Benjamin will not use the information it retains for record-keeping purposes for any other business purpose.

Security of Your Personal Information.

Benjamin has, and requires our Third-Party Service Providers to have, administrative, technical, and physical safeguards in place in our respective physical facilities and in our respective computer systems, databases, and communications networks that are commercially reasonably designed to protect the information contained within such systems from loss, misuse, and alteration. We employ commercially reasonable website security and customer verification procedures to protect your data. The measures we use may include storing Personal Information, Financial Information, Digital Identifiers and Geolocation Data on secured servers, transmitting this information using encryption technologies, and auditing and reviewing our data collection and storage practices.

User passwords and other sensitive information are saved and encrypted to prevent unauthorized access or disclosure and accidental loss, alteration, or destruction. We regularly review our operational and business practices for compliance with corporate policies and procedures governing the security, confidentiality, and quality of our information. We require all of our employees, contractors, and other third parties to protect confidential information as a condition of doing business with, and our business practices limit the use and disclosure of such information, including Personal Information and Financial Information, to authorized persons, processes, and transactions.

Because no method of electronic transmission or storage is completely secure, we do not guarantee absolute security of your Personal Information or Financial Information. You also play a role in protecting your Personal Information and Financial Information. Please safeguard your username and password for your Benjamin & It's partners and affiliates  bank account and do not share them with others. If we receive instructions using your account log-in information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your Account or any other breach of security related to the Services. We reserve the right, in our sole discretion, to refuse to provide the Services, terminate your account, and to remove or edit content.

Links to Third-Party Websites and Applications.

When you access or use the Services, you may be directed to other websites or applications that are beyond our control. We may also allow third-party websites or applications to link to the Services or use Session Trackers with the Services. We are not responsible for the privacy practices of any third parties or the content of linked websites and applications. We encourage you to read the applicable privacy policies and terms and conditions of such parties, websites, and applications. This Privacy Policy only applies to the Services and not to the services of third parties.

Do-Not-Track Settings.

Do Not Track (“DNT”) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. We do not use technology that recognizes DNT signals from your web browser and do not respond to such signals.

Children Under 13.

The Website and Application are not directed to children under 13 years of age and we do not knowingly collect, use, or disclose Personal Information from children under 13. If we become aware that a child under 13 has provided us with Personal Information, we will make reasonable efforts to delete such information from our files.

Consent to Processing and Transfer Of Information.

The Services are governed by and operated in, and in accordance with the laws of, the United States, and are intended for the enjoyment of residents of the United States. If you use the Services, or otherwise provide us with data, from outside the United States, you agree that your Personal Information and Financial Information may be transmitted outside your resident jurisdiction. The laws pertaining to the collection, use, disclosure and protection of Personal Information and Financial Information in the United States may be more or less stringent than the laws of other countries. By using the Services, you
(a) acknowledge that the Services is subject to the laws of the United States;
(b) consent to your Personal Information and Financial Information being stored and processed in the United States and handled as described in this Policy; and
(c) waive any claims that may arise under the laws of the country where you reside, are a citizen, and/or from where you access the Services.

Changes to this Policy.

Benjamin may revise this Policy from time to time without prior notice to you, and any changes will be effective immediately upon the posting of the revised Privacy Policy on the Website or Application. You can determine when this Policy was last revised by checking the “Last Updated” legend at the bottom of this Privacy Policy.

Questions About This Privacy Policy.

If you have any questions or concerns about this Policy, please contact us at:

Benjamin Capital Partners Inc.


This Privacy Policy was last updated on November 11, 2022.

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