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Privacy Policy

YOUR PRIVACY IS OUR PRIORITY

TRUSTe online privacy certification
At Higher One, Inc. we take your privacy and online security very seriously. During card set up, you’re providing us with personal information about yourself. Higher One understands the importance of protecting the safety and confidentiality of the information you provide and we treat this information with the utmost security and respect. This Privacy Statement (this 'Statement') details what personal information we collect from our users’ as well as how we use it and safeguard it. This Statement applies exclusively to www.higherone.com
 
Higher One has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information.  The TRUSTe program covers only information that is collected through this Web site, http://www.higherone.com. TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions. The TRUSTe program covers only the information collected on this website, www.higherone.com.

In addition to any legal compliance associated with the handling of your information, Higher One wants to earn your trust. Therefore, we’ve taken a number of steps to make sure that your information is as safe as possible, including but not limited to:

  • Implementing numerous stringent physical and electronic security features to prevent unauthorized access;
  • Conducting frequent reviews of our computer systems, including security features and data encryption;
  • Limiting employee access to customer information to only those employees who need it for the normal performance of their jobs by requiring our employees to acknowledge, in writing, their individual responsibility to maintain the confidentiality of all customer information; and
  • Always applying the same privacy policies and practices to our former customers that we do to our existing customers.
There are important steps you can take yourself to help insure the safety of your information online. Some suggestions:
  1. Never leave your computer in the middle of an online session.
  2. When you’re done with an online session, make sure you log off of the program website before you move on to other sites.
  3. Never share your password with anyone.
  4. If other people have access to your computer, clear your browser's cache to remove copies of web pages that may have been temporarily stored on your computer. Check your browser's Help file for instructions.
If you have questions or concerns regarding this Statement, you should contact us at privacy@higherone.com. If you are not satisfied with our response you can contact TRUSTe here.

Occasionally, there may be products or services, either from our own affiliated companies or businesses that have partnered with us, which we think may be of interest to you. If we feel these products and services would provide added value to a cardholder, you’ll hear about these special offers from us, and not from a third party. Rest assured that Higher One would never share information with a company or entity that is not affiliated with us. You can control how Higher One contacts you through the notifications page on the OneCard Web site. Just log in and from the main menu bar select "Profile" then "Notifications". We may also share your contact information such as name, address, phone number and email address with your school so that we, and they, can better serve you.

Information Collection and Use
When you visit the Site as a user, you can browse anonymously. When you visit the Site to activate your debit card, we require certain personal information from you. Specifically, we request your card number and require you to establish a username and passcode. We also collect your banking information including account number and routing number, which is stored as a part of your user account record, which includes information such as your name, email and physical address, phone number, social security number, government issued ID, and date of birth. This collected information establishes your online account profile. Please note that we use this collected information to service your account needs as they arise. Higher One does not share your personal information with any third parties for their promotional purposes. We may also use your email depending on your selected preferences to send you promotional emails with news of our contests and new product offerings.
Higher One collects certain information from visitors and users of the Site including, but not limited to, Internet addresses. This web site navigational information is collected and retained to help diagnose technical problems, to analyze trends, to track users' movements and to administer the Site in order to constantly improve the quality of the Site and our service. Higher One may also track and analyze individual usage and volume statistical information from our visitors and customers.
 
We will retain your information for as long as your account is active or as needed to provide you services.  If you wish to cancel your account or request that we no longer use your information to provide you services contact us at privacy@higherone.com.  We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Information Sharing and Disclosure
Under certain circumstances, Higher One may disclose collected information to third parties or government agencies where necessary to comply with (i) a formal request or (ii) applicable law including, but not limited to, responding to a subpoena, a judicial proceeding, or a court order.

Higher One may disclose and transfer the information obtained from you through this Site or the service as part of a merger, acquisition or other sale of its assets or business. In such an event, the users shall be notified of any material changes to the information practices governing your information by email or a prominent notice on the Site, as well as any choices you may have regarding your personal information.

When a user elects to transfer money to another Higher One account holder, we request the third party’s name, email, mailing address and banking information such as account and routing number to fulfill the requested transaction. We may also collect your friend’s email address when you invite him or her to visit our Site.  We do not use or share this third party personal information for any purposes beyond fulfilling your request.

Service Providers
We reserve the right to disclose information, such as …, to our service providers where necessary in allowing us to facilitate services to you on our behalf. Higher One uses third party agents, such as financial banking institutions, marketing agencies and prepaid debit card companies, to fulfill your transactional and payment processing needs made on the Site. These third party agents provide services for Higher One in compliance with all the legal requirements of operating in this capacity and are authorized to use your shared personal information specifically and exclusively for fulfilling transactions on our behalf.

We also employ the services of a third party agent in hosting our FAQ section.

Access & Opt-Out
If, at any time after establishing your preferences to receive promotional offers from us you change your mind, you may opt-out of receiving these secondary communications. To opt-out, you must select the "Unsubscribe" link present in each email we send out to our users. You can also unsubscribe by updating your account preferences when you access your personal account information. We reserve the right to send users notification and administrative emails, which are considered a part of your service. To modify any of your account information, access your account through the site and update your preferences. To delete your account information entirely, please contact us privacy@higherone.com.

Cookies
When you visit our Site, our Web server sends a cookie to your computer. Cookies are files that Web browsers place on a computer’s hard drive and are used to indicate whether you have visited the Site previously.
Choices about Cookies: You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is set. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences.) Should you choose to reject all cookies, you will not be able to use services that require you to "sign in," and you may not be able to take full advantage of all of our offerings.
 
Our Practices Regarding Cookies: Higher One uses cookies for a number of purposes, including to: access your account information when you "sign in," so that we can provide you with customized content, keep track of preferences you specify while you are using the Site, estimate and report our total audience size and traffic. From time to time, we may make use of pixel tags such as web beacons. Used in combination with cookies, a Web beacon is an often-transparent graphic image, usually no larger than 1 pixel x 1 pixel, that is placed on a Web site, or in an e-mail and is used to monitor the behavior of the user visiting the Web site, or sending the e-mail. When the HTML code for the Web beacon points to a site to retrieve the image, at the same time it can pass along information such as the IP address of the computer that retrieved the image, the time the Web beacon was viewed and for how long, the type of browser that retrieved the image and previously set cookie values.

Third Party Cookies
We may from time to time engage third parties to track and analyze non-personally identifiable usage and volume statistical information from visitors to our Site to help us administer our Site and improve its quality. Such third parties may use cookies and web beacons to help track visitor behavior. These tracking technologies shall not be used to associate individual website visitors to any information. All data collected by such third parties on our behalf is used only to provide us with information on Site usage and is not shared with any other third parties. We do not have access to third party tracking technologies.
 
Behavioral Targeting / Re-Targeting
We partner with a third party ad network to either display advertising on our Web site or to manage our advertising on other sites.  Our ad network partner uses cookies and Web beacons to collect non-personal information about your activities on this and other Web sites to provide you targeted advertising based upon your interests.  If you wish not to have this information used for the purpose of serving you targeted ads, you may opt-out by clicking Here.  Please note this does not opt you out of being served advertising.  You will continue to receive generic ads.

Third-Party Sites
The Site contains links to other websites. Higher One is not responsible for the privacy practices or the content of these other websites. Users and visitors will have to check the policy statement of these other websites to understand their respective policies. Users and visitors who access a linked site may be disclosing their private information. It is the responsibility of the user to keep such information private and confidential.

Testimonials
We display personal testimonials of satisfied customers on our site in addition to other endorsements.  With your consent we may post your testimonial along with your name.

Social Media Widgets
Our Web site includes Social Media Features, such as the Twitter button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Security and Data Storage
Our Site has security measures in place to help protect against the loss, misuse, and alteration of the personal information and data under our control. Higher One hosts the Site in a secure server environment that uses a firewall and other industry-standard technology to help prevent interference or access from outside intruders including the use of Secure Socket Layer technology during the transmission of sensitive information. Higher One also requires that unique user names and passwords must be entered each time a user logs on to the Site.

Changes to this Statement
Higher One may update this Statement at any time so please review it frequently. If we make any material changes, we will notify you, by email or by a notice posted on the home page of the Site prior to the changes taking effect.

Questions
If you have any questions about this Statement or the practices of this Site, please contact us using the address below.

Customer Service Mailing Address:
Higher One, Inc.
115 Munson Street
New Haven, CT 06511

Your trust in Higher One is essential to us and that is why it is critical that Higher One goes above and beyond what is required of us to assure you and your family that we’re concerned and proactive with your online security. If you have problems or concerns, you can contact Customer Service at anytime (24 hours a day). Log on to your program website, and click on the link for "EasyHelp", where you can find answers to frequently asked questions, or even submit a question or concern.
 
Effective Date: 6/20/2013
 
 
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