“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.
Benjamin collects the following from you:
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 Unit.co & It's partners and affiliates bank, pursuant to the Privacy Notice you received from us and Unit.co & 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 https://www.Benjaminone.com/privacy-policy.
Transaction Data Collection.
Transaction Data Usage.
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).
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.
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.
Benjamin uses your Personal Information, Financial Information, Digital Identifiers and Geolocation Information to:
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:
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 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.
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.
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 Unit.co & It's partners and affiliates bank account and updating your account profile or by emailing us at support@Benjaminone.com. 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.
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 Unit.co & 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.
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.
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.
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.
If you have any questions or concerns about this Policy, please contact us at:
Benjamin Capital Partners Inc.