Privacy and Security Policy
Our Services contain links to other websites. The fact that we link to a website is not an endorsement, authorization or representation of our affiliation with that third party. We do not exercise control over third party websites. These other websites may place their own cookies or other files on your computer, collect data or solicit personally identifiable information from you. Other sites follow different rules regarding the use or disclosure of the personally identifiable information you submit to them. We encourage you to read the privacy policies or statements of the other websites you visit.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT — To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
INFORMATION YOU GIVE TO SELFSCORE
Information We Often Request
The types of personal information we collect depends on the products and services you use. It may include:
Your contact information such as your name, address, phone, and email
Information that we use to verify your identity, make decisions about your credit card application, or manage risk such as your date of birth, social security number (if applicable), your financial account history, your identity, and program eligibility
Information about your education, such as your college, degree, major of field of study, test scores, and your personal interests or characteristics
Information so we can process your payments such as your bank account numbers
Information about your income and/or assets, including your employment, US Form I20, US bank statements or other financial documentation
Information about you when you visit the Site, including information submitted by you or our other customers when interacting with the Site’s features and using its online communication features
Information You Give Upon Registration
If you desire to apply for the SelfScore Credit Card or access certain parts of the Services, you will be required to become a registered user and to submit certain Personal Information to SelfScore.com. Personal Information that we may collect in such instances may include your full name, email address, mailing address, telephone number, date of birth and other information that you decide to provide us with as part of the credit card application. Additionally, we may request that you upload a copy of your travel passport/national identity card, a copy of your financial statement issued by a US bank, and a copy of your US I-20 Form and US Student Visa which are issued by the US Department of Homeland Security in order to verify your identity, program eligibility and ability to repay debt. We may also ask our users to generate a new personal identification number (PIN) or password to access our Services. In general, we may use any information provided by you to verify your identity or other information you provide as part of a credit application or other business processes.
Information SelfScore Learns From Your Use
When you visit the SelfScore website or use the Services, we may collect information from your computer, mobile phone or any other device. This information may include your IP address, device information including but not limited to identifier, device name and type, operating system, location, mobile network information and standard web log information, such as your browser type, traffic to and from our website, the pages you accessed on our website, and any other available information. We may also collect information about your use and interaction with our website, application or the Services. For example, we may evaluate your computer, mobile phone or other access device for indicators of fraud or analyze your website clicks to assess your interest in our specific product terms. When you use the Services, we may also store information based on your usage history. This includes, but is not limited to, details of your purchases, content you viewed, event information, referring sites or click stream information, and web “cookies” or “tokens” that may uniquely identify your browser, device, or your account. We may also collect information about you from any contact you have with any of our services or employees, such as, with our customer support team, in surveys, or through interactions with our agents or affiliates.
SelfScore.com may receive varying degrees of location information from the Social Media Services (as defined below) that you enable within the Service and also (with your permission) from your computing devices (“Location Data”). For example, we may also collect and use location data (e.g. GPS or IP-based geography detection) to screen for fraudulent activity. Or to verify self-reported information (for example, to verify you reside in a certain city or nearby a certain university to which you are enrolled) and to customize the Service to make it more relevant to you (for example, to send newsletter information that may be of interest to you).
Server Log Data
Cookies and Anonymous Identifiers
Like many websites and services, we also may use “cookie” technology to collect additional Site usage data and to improve the Site and Services and related offers. A cookie is a small data file that we transfer to your computer’s hard disk. SelfScore Inc. may use both session cookies and persistent tokens to better understand how you interact with the Services and our Service, to monitor aggregate usage by our users and web traffic routing on the Site, and to improve the Site and our Services. A session cookie or security token enables certain features of the Site and Services and is often (but not always) deleted from your computer when you disconnect from or leave the Site. A persistent cookie will likely remain after you close your browser and may be used by your browser on subsequent visits to the Site. Persistent cookies can be removed by following your web browser help file directions. Most Internet browsers automatically accept cookies. You can instruct your browser, by editing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit.
We may or our Partners or Affiliates may also deliver a file (known as a “web beacon”) from an ad network to you through the Services. Web beacons allow ad networks (and other websites) to provide anonymized, aggregated auditing, research and reporting for us and for advertisers. Web beacons also enable ad networks to serve targeted advertisements to you when you visit other websites. Because your web browser must request these advertisements and web beacons from the ad network’s servers, these companies can view, edit or set their own cookies, just as if you had requested a web page from their site.
Bank Access/Login Credentials
After a SelfScore account is established, we may also invite SelfScore credit card holders to enter certain login credentials (such as a username and password) to certain online account types (for example, credit cards, debit cards, or traditional bank accounts), which thereafter provides SelfScore with persistent access to the financial accounts. SelfScore uses the access to measure and assess a card holder’s ability to repay debt or counter fraud.
If you permit SelfScore to access the contacts/address book on your phone or other services (such as email) through the permission system used by your mobile platform, we may access and store names and contact information from your address book to facilitate social interactions through our Services and execute our referral program. Access to contacts may be requested as part of a customer referral program or validation of self-reported information.
Credit Card Transaction Information
We collect transaction details related to your use of our Services, including the type of service requested, date and time the service was provided, amount charged, locations, distance travelled, and other related transaction details. Additionally, if someone uses your customer referral code, then we may associate your name with that person.
Aggregated Personal Data
In an ongoing effort to better understand and serve the users of the Services, SelfScore often conducts research on our customer demographics, interests and behavior based on all available information provided to us. This research may be compiled and analyzed on an aggregate basis, and SelfScore may share this aggregate data with our marketing affiliates, agents and business partners. This aggregate information does not identify you personally. SelfScore may also disclose aggregated user statistics in order to describe our services to current and prospective business partners and to other third parties for other lawful purposes.
Information Obtained From Third Parties
Usage and Preference Information
HOW SELFSCORE PROTECTS YOUR INFORMATION
SelfScore stores and processes your information while maintaining physical, electronic and procedural safeguards. We maintain physical security measures to guard against unauthorized access to systems and use electronic safeguards such as firewalls and data encryption. We authorize access to personal information only for those employees who require it to fulfill the responsibilities of their jobs.
HOW SELFSCORE USES YOUR INFORMATION
Use of Information.
Provide, maintain and improve our Services;
To provide inputs to our credit underwriting system and to assess creditworthiness of credit card applicants;
Provide and deliver the products and services you request, process transactions and send you related information, including confirmations;
Verify your identity and prevent fraud;
Send you technical notices, updates, security alerts and support and administrative messages;
Respond to your comments, questions and requests and provide customer service;
Communicate with you about products, services, offers, promotions, incentives, and events offered by SelfScore and others, and provide news and information we think will be of interest to you;
Monitor and analyze trends, usage and activities in connection with our Services;
Personalize and improve the Services and provide advertisements, content or features that match user profiles or interests;
Process and deliver contest or promotion entries and incentives;
Link or combine with information we get from others to help understand your needs and provide you with better service; and
Carry out any other purpose for which the information was collected.
If you contact us by email through the Services, we may keep a record of your contact information and correspondence, and may use your email address, and any information that you provide to us in your message, to respond to you. In addition, we may use your contact information to market to you, and provide you with information about our products and services and the products and services of our partners that we believe may be of interest to you. If you decide at any time that you no longer wish to receive such marketing information or communications from us, please follow the unsubscribe instructions provided in any of the communications.
In an ongoing effort to better understand and serve the users of our Services, SelfScore also often conducts separate research efforts on its customer demographics, interests and behavior based on the Personal Information and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and Self score Inc. may share this aggregate data with its affiliates, agents and business partners. This aggregate information does not identify you personally. SelfScore Inc. may also disclose aggregated user statistics in order to describe our Services to current and prospective business partners, and to other third parties for other lawful purposes.
WHEN SELFSCORE SHARES YOUR INFORMATION
Information Sharing and Disclosure
We consider your information to be a vital part of our relationship with you and accordingly, do not share it unnecessarily. There are, however, certain circumstances in which we may share your Personal Information with certain third parties without further notice to you, as set forth below.
To enable our Service Providers
We engage certain trusted third parties to perform functions and provide services to us, including, without limitation, system hosting and maintenance, customer relationship management, database storage and management, marketing communications, web analytics, credit analytics, and credit card processing. We will share your Personal Information with these third parties, but only to the extent necessary to perform these functions and provide such services.
To pre-qualify you with Partners
To process payments and service your SelfScore credit card
If we collect credit card information for payments, or other financial information related to payments, then that information will be collected and stored by our Payment Processor. We will from time to time request and receive of your financial information from our Payment Processor for the purposes of completing transactions you have initiated through the Services, assessing credit risk, processing invitations to apply for increased credit limits, or enrolling you other programs in which you elect to participate, identifying or researching possible fraudulent transactions, and otherwise as needed to manage our business.
To enable social Social Media Services and related data collection
Tremus may sell, transfer or otherwise share some or all of its assets, including your Personal Information, in connection with a merger, acquisition, reorganization or sale of assets or in the event of bankruptcy.
Disclosures for Legal Purposes
Tremus may disclose your Personal Information if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend the rights or property of Tremus, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.
HOW SELFSCORE DOES NOT USE YOUR INFORMATION
Disclosures for Legal Purposes
Tremus may disclose your Personal Information if required to do so by law, if we are allowed to, we will inform you of the disclosure.
Selling Information to Third Parties.
We don’t sell or rent your personal information to third parties.
WHAT ARE YOUR PRIVACY OPTIONS?
If you no longer wish to receive notifications (such as SMS or email messages) about our Services, you may change your notification preferences by emailing email@example.com. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. SelfScore reserves the right to close your account should you opt out of the crucial notices that are required to perform our Service.
Access Your Information
Learn about State Laws
To be certain of your privacy rights, you may wish to contact the agency in your state that is charged with overseeing consumer privacy rights.
Contact Self score