Last Updated: 18th of January, 2023
By accessing the Services, you agree to be bound by this Policy. If you do not agree to the terms of this Policy, please do not use the Services. Each time you use the Services, the current version of this Policy will apply. Accordingly, when you use the Services, you should check the date of this Policy (which appears at the top) and review any changes since you last reviewed the Policy.
INFORMATION WE COLLECT
We collect two types of information from users of our Services: “personal information,” which is information that you provide that can be used to identify you (such as your name or email address), and “aggregate information,” which is information that cannot be used to identify you (such as frequency of visits to our website and your browser type). We collect personal information and aggregate information in the contexts described below.
Information You Provide to Us
When you use our Services, you may provide certain information directly to us. For example, when you register for an account with Benjamin, we require that you provide us with your name, username, phone number, email address, and payment information (e.g. credit card or debit card number). During account creation, you may add additional optional information to your profile.
The following definitions apply to the Benjamin Rewards Program:
When you use the Benjamin Rewards Program, we also collect information from you when you:
We collect the following additional information from you when you use the Benjamin Rewards Program:
We collect information when you communicate with us. The specific types of information we collect will depend on the forum in which you communicate with us. For example, if you send us an email, we will collect your email address and the content of your email.
If you choose to use our invitation service to tell another individual about the Service, we may ask you for information needed to send the invitation, such as the individual’s email address. We will automatically send the individual a one-time email inviting him or her to visit our website. We store this information to send this one-time invitation, to register the individual connection if your invitation is accepted, and to track the success of our referral program. The individual may contact us at email@example.com to request that we remove this information from our database.
You may only refer individuals that have given you permission, and you are responsible for informing the individual that communications may be sent to them from the Services on your behalf. You must have obtained the consent of the individual prior to providing us with his or her contact information, and you represent and warrant that Benjamin will have the right to send such communications without violating the privacy rights of the individual.
Benjamin uses location detection technology to determine your approximate location, nearby Wi-Fi access points, and cell towers. With your permission, the Services may collect your precise geolocation data. Any location data provided by the Services is for basic location purposes only and is not intended to be relied upon in situations where precise location information is needed or where erroneous, inaccurate or incomplete location data may lead to death, personal injury, property or environmental damage. We do not guarantee the availability, accuracy, completeness, reliability, or timeliness of location data tracked or displayed by the Services.
If you are Benjamin Rewards Program user and you opt-in for certain location-based advertising, such information will be used to “recognize” you within a store or specific geographic location to provide relevant ads and offers, or in conjunction with a Merchant’s loyalty/rewards program or customer appreciation activities
Information We Automatically Collect
As with most apps and websites, when you use our Services we automatically receive and collect information about you and your device. This information includes the following:
Cookies and Analytics
Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your web browser to help us identify you when you come to our website. You have choices with respect to cookies. By modifying your browser preferences, you have the choice to accept all cookies, to be notified when a cookie is set, or to reject all cookies. If you choose to reject all cookies you may be unable to use those aspects of our website that requires registration in order to participate. You can learn more about cookies and how they work at www.allaboutcookies.org. You can always disable cookies through your browser settings. Doing so, however, may disable certain features on our website. You can opt-out from third party cookies that are used for advertising purposes on the NAI website at http://www.networkadvertising.
We may use third parties, such as Google Analytics or other analytics providers, to analyze traffic to our website. Google Analytics does not create individual profiles for visitors and only collects aggregate data. To disable Google Analytics, please download the browser add-on for the deactivation of Google Analytics provided by Google at http://tools.google.com/dlpage/gaoptout?hl=en. To learn more about privacy and Google Analytics, please consult the Google Analytics overview provided by Google at http://www.google.com/intl/en/analytics/privacyoverview.html.
At the present time our Services do not respond to “Do Not Track” signals or similar mechanisms.
Third Party Advertising
Benjamin does not provide any additional personal information to these third-party ad servers or ad networks without your consent or except as part of a specific program or feature for which you will have the ability to opt-in. However, please note that if an advertiser asks Benjamin to show an advertisement to a certain audience or audience segment and you respond to that advertisement, the advertiser or ad-server may conclude that you fit the description of the audience they were trying to reach.
HOW WE USE YOUR INFORMATION
In general, we collect information from you so that we can provide our Services, operate our business, and provide information that you request from us. This includes the following uses and purposes:
Benjamin Rewards Program.
Benjamin or our reward partners, which include but are not limited to GetKard. (“Reward Partners”), and payment card networks, including but not limited to American Express, Visa and MasterCard (“Card Networks”), use your information to confirm whether purchases made by you with your Payment Method are qualifying transactions, contact you in connection with any such purchases, and to comply with laws and regulations related to purchases made by you through the Service.
Benjamin, Card Networks, and Reward Partners use your credit card or debit card information and transaction data to track your purchases. In addition, if you opt-in to have any cash back earned by you credited to your credit card or debit card, we will use your credit card or debit card information and transaction data for the purposes of processing any cash back you may earn to your selected credit card or debit card account.
Benjamin or Reward Partners will use information related to purchases with your enrolled Payment Card Network card solely to enable your participation in the Benjamin or Reward Partner’s program and for no other purpose. Specifically:
You authorize the sharing, exchange and use of transaction data described above and herein by and among Benjamin and Benjamin’s Rewards Partners, applicable Card Networks and applicable Merchants.
IMPORTANT NOTE: You may opt-out of transaction monitoring on the payment card(s) you have registered at any given time by:
Please note that Benjamin will automatically transmit information regarding any loyalty/rewards benefits based upon the rules of the specific Merchant’s loyalty/rewards program. Information about these loyalty/rewards is shared only with the Merchant or issuer owning or operating the loyalty/rewards program. Use of your information is governed by the Merchant or issuer owning or operating the loyalty/rewards program. Refer to their terms and conditions governing use of your information
HOW WE SHARE YOUR INFORMATION
We never sell your personal information. Like most companies, we share information in certain circumstances with third parties through operation of our Services and our business. Below we explain when that happens.
Benjamin Rewards Program
If you are a Benjamin Rewards Program user, your information will be shared with Benjamin’s Rewards Partners, applicable Card Networks and applicable Merchants as described in the “Benjamin Rewards Program” sub-section of the “HOW WE USE INFORMATION” section above.
We use third parties to assist us with operating our business and providing our Services, such as our technology vendors that help us maintain our Services and partners that assist us with our marketing and communication. These service providers will have access to your information in order to provide Services to us. Additionally, if you make a purchase through the Services, our third party payment processors have access to your information to process your transaction.
As Directed By You and With Your Consent
Except as otherwise provided in this Policy, we share information with companies, organizations or individuals outside of Benjamin only at your direction or when we have your consent to do so.
We may share information with third party companies, organizations, governmental authorities, or individuals outside of Benjamin if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to:
Sale or Merger
We may de-identify or aggregate information so that you are not identified as an individual, and use and provide that information to third parties without restriction. We may also provide aggregate usage information to third parties (or allow third parties to collect that information from you), who may use such information to understand how often and in what ways people use our Services. However, we never disclose aggregate usage or de-identified information to a third party (or allow a third party to collect such information) in a manner that would identify you as an individual person.
CHOICES ABOUT YOUR INFORMATION
We strive to provide you with choices with respect to your information. Also, remember, you can opt not to disclose certain information to us - but keep in mind some information may be needed to create a Benjamin account or to take advantage of some of our Services and features.
Modification and Access to Your Information
You can access and modify most of your information through our app. If you would like to modify or access additional information that is not available through the app, please contact us at firstname.lastname@example.org. We may ask you to verify your identify or provide additional information before we act on your request. We may reject or deny requests for certain reasons, such as when we believe a request is fraudulent, or when we are required to retain information for legal or record-keeping reasons.
Deleting Your Information or Your Account
You can delete most of your information through our app, and you can delete your account through our app. You may also request deletion of your account by contacting us at email@example.com. Please note that in some cases we may be prohibited from deleting certain information (we will let you know in those situations, and some information may remain in our records after your deletion of such information from your account. We may use any aggregated or de-identified data derived from or incorporating your information after you update or delete it, but not in a manner that would identify you personally.
You may unsubscribe from Benjamin marketing communications at any time by following the “unsubscribe” link at the bottom of any such communication.
If you do not wish to continue receives SMS/MMS mobile messages from us, reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any mobile message from us in order to opt-out. You may receive an additional mobile message confirming your decision to opt-out.
Additional Financial Disclosures
By using our Service, you grant Benjamin the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You authorize Benjamin to share your identity and account data with third parties for the purposes of opening and supporting your third parties account, and you are responsible for the accuracy and completeness of that data.
Our Services are not directed at children under 18, and we do not knowingly collect information from children under 18. If you are under 18, please do not attempt to use our Services or send any information about yourself to us.
SECURITY OF YOUR INFORMATION
We use reasonable security measures, including measures designed to protect against unauthorized or unlawful processing and against accidental loss, destruction or damage to your information. We also take certain measures to enhance the security of our Services, however, since the Internet is not a 100% secure environment, we cannot guarantee, ensure, or warrant the security of any information you transmit to us. There is no guarantee that information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. It is your responsibility to protect the security of your login information.
We are based in the United States, and our Services are hosted there. If you are using our Services from another country, the laws governing our collection and use of information may be different from the laws of your country. If you decide to use our Services, or share your information with us, you are agreeing to be governed by the laws of the United States, and agree to the transfer of your information to the United States.
THIRD PARTY WEBSITES AND SERVICES
CHANGES TO THIS POLICY
We may make changes to this Policy from time to time. When we do, we will post the updated version on this page. We encourage you to read this page each time that you use our Services so that you will be aware of any changes, and your continued use of our Services shall constitute your acceptance of any such changes. Changes to this Policy take effect from the date of publication, unless stated otherwise.
If you have any comments, questions, concerns, or suggestions about Policy, or about our privacy practices in general, please contact us at firstname.lastname@example.org.