At North American Bancard, your privacy is our policy.

Effective date: June 18, 2019

This Online Privacy Policy applies to information about you that North American Bancard, LLC (“NAB,” “we,” “our,” “us”) may obtain when you visit www.northamericanbancard.com (the “Site”). This Privacy Policy describes how we may collect, use, or share information about you; your choices regarding our use of your information; how we safeguard such information; and how you may contact us regarding our privacy practices.

Collection of personal information.

We may collect certain information automatically using various tools and technologies such as cookies and web server logs. The types of information we collect may include IP addresses, device identifiers, browser characteristics, operating system details, language preferences, referring URLs, length of visits, and pages viewed. A cookie is a piece of data that a website can send to your browser, which may then be stored on your computer as an anonymous tag that identifies your computer but not you. Many web browsers are set to accept cookies by default, but you may be able to set your browser to notify you before you receive a cookie, or to remove or reject cookies. Please note that if you disable cookies, you may not be able to use certain features of this Site or other websites, and disabling cookies may invalidate opt outs that rely on cookies to function.

We may use third-party web analytics services, such as Google Analytics, to help us analyze how visitors use the Site. To learn more about opting out of data collection through Google Analytics, click here.

Your web browser may have settings that allow you to transmit a “Do Not Track” signal when you visit various websites or use online services. Like many websites, this Site is not designed to respond to “Do Not Track” signals received from browsers. To learn more about “Do Not Track” signals, you may wish to visit http://www.allaboutdnt.com/.

Please note that we or third parties may collect personal information about your online activities over time and across different devices and online properties when you use the Site.

Use of personal information.

We may use personal information we collect through the Site to:

  • Facilitate and personalize your user experience and improve the Site;
  • Conduct statistical analysis of Site content, layout, and features for our marketing purposes;
  • Improve the Site, our marketing, or services we may offer;
  • Deliver promotional content to you;
  • Comply with applicable laws, regulations, or legal process, as well as industry standards and our company policies;
  • Prevent, investigate, identify, stop, or take any other action with regard to suspected or actual fraudulent or illegal activity, or any activity that violates our policies; or
  • For any other purpose, with your consent.

We may use your personal information to conduct Interest-based Advertising on third-party websites or services. Certain third-parties may participate in the Digital Advertising Alliance ("DAA") AdChoices Program and may display an Advertising Option Icon for Interest-based Ads that links to an opt-out tool which allows you to exercise certain choices regarding targeting. You can learn more about the DAA AdChoices Program at http://www.youradchoices.com/ and its opt-out program for mobile apps at http://www.aboutads.info/appchoices. In addition, certain advertising networks and exchanges may participate in the Network Advertising Initiative ("NAI"). NAI has developed a tool that allows consumers to opt out of certain Interest-based Ads delivered by NAI members' ad networks. To learn more about opting out of such targeted advertising or to use the NAI tool, see http://www.networkadvertising.org/choices/. Please be aware that, even if you are able to opt out of certain kinds of Interest-based Ads, you will continue to receive non-targeted ads. We are not responsible for the effectiveness of, or compliance with, any third-parties' opt-out options or programs or the accuracy of their statements regarding their programs.

Sharing of personal information.

We may share your personal information with our subsidiaries, affiliates, and business partners. To the extent we grant these parties access to your personal information, they will follow privacy practices no less protective than our practices, to the extent allowed by applicable law.

Additionally, we may share your personal information with third-party service providers assisting us in carrying out services to you such as the functionality of the Site. Third-party service providers are not meant to use personal information except as necessary to provide the relevant services to us.

In the event of a business transaction, such as if we sell or transfer all or a portion of our business or assets (e.g., further to a merger, reorganization, liquidation, or any other business transaction, including negotiations of such transactions), we reserve the right to disclose any information we obtain through the Site. You acknowledge that such transfers may occur and are permitted by and subject to this Privacy Policy. 

Additionally, NAB may disclose personal information when required by subpoena, search warrant, or other legal processes, or in response to activities that are unlawful or a violation of NAB's rules for use of the Site, or to protect and defend the rights or property of NAB.

California privacy rights.

California law permits customers in California to request certain details about how their personal information is shared with third parties if the personal information is shared for those third parties’ own direct marketing purposes. We do not share personal information with third parties for those third parties’ own direct marketing purposes. Californians may request information about our compliance with this law by contacting us at privacy@nabancard.com or by phone at (866) 908-2996, or by postal mail sent to:

North American Bancard, LLC
Attn: General Counsel
250 Stephenson Hwy.
Troy, MI 48083

To make a request, please provide sufficient information for us to determine if this applies to you, attest to the fact that you are a California resident, and provide your current California address to which we will send our response. Your inquiry must specify “California Privacy Rights Request” in the subject line of the email or the first line of the letter, and include your name, street address, city, state, and ZIP code. Please note that we are only required to respond to one request per customer each year.

Security

We take reasonable measures to protect your personal information from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. Nevertheless, transmission via the Internet and online digital storage are not completely secure and we cannot guarantee the security of your information collected through the Site.

Linked websites.

The Site may include links to websites that are owned and/or operated by third parties. This Privacy Policy does not apply to those websites, which may have their own privacy policies or notices that you should review to understand how they may use or disclose your personal information. NAB is not responsible for the content or privacy practices of any linked websites that are operated by third parties. For example, the Site links to a Careers portal, which is operated and controlled by a third-party service provider. Any personal information you submit through the Careers portal is governed by the third-party service provider’s own privacy policy and terms and conditions. 

The Site may also provide links to websites operated by NAB, our affiliates, and our subsidiaries. Unless indicated otherwise, these websites are not governed by this Privacy Policy. For information on how these websites may collect, use, or disclose your personal information, we encourage you to review the privacy policies posted on the linked websites.

Information for users outside the United States.

If you are visiting the Site from outside the United States, please be aware that information we obtain about you will be processed in the United States or in other jurisdictions. By using the Site you acknowledge and consent to the international transfer and processing of your personal information as described in this Privacy Policy. Please be aware that the data protection laws and regulations that apply to your personal information transferred to the United States or other countries may be different from the laws in your country of residence.

Revisions

This Privacy Policy is subject to change at our discretion. We will indicate changes, including material changes, to the Privacy Policy by updating the "Effective Date" at the top of this page. Your continued use of this Site after any update to this Privacy Policy will constitute your acceptance of the changes.

Contact information.

Please direct comments or questions regarding this Privacy Policy via e-mail to privacy@nabancard.com.