Privacy Policy and Notice

Last updated: June 9th 2020

PLEASE READ THIS PRIVACY POLICY CAREFULLY. THIS POLICY DESCRIBES THE WAYS IMAGINE FINANCIAL, INC. (“Imagine”, “we”, “us”, “our”) OR OUR VENDORS COLLECT, PROTECT, USE AND STORE YOUR PERSONAL INFORMATION. YOU ACCEPT THIS PRIVACY POLICY BY USING OUR PRODUCTS AND SERVICES ON OUR WEBSITE OR THROUGH ANY OTHER MEANS (COLLECTIVELY THE “SERVICES"). We may amend this Privacy Policy at any time by posting a revised version on our website. We will attempt to give a reasonable notice period upon making any changes; however, unless otherwise stated, the revised version will be effective at the time we post it.

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1. How Imagine collects your information

If you open an account or use the Imagine Service, we may collect the following types of information:

Personal information

This includes: your name, Social Security number or taxpayer identification number, physical address, phone, email address, date of birth, third-party application IDs, and other similar information

Financial information

This includes: bank account numbers that you link to your Imagine account or give us when you use the Services

Before permitting you to use the Services, we may require you to provide additional information to verify your identity and to help us assess the ability to provide services to you.

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2. Information Imagine learns from your use

When you visit the Imagine website or use the Services, we may collect information sent to us by your computer, mobile phone or any other device. This information may include your IP address, device information including but not limited to identifier, name and type, operating system, location, mobile network information and standard web log information, such as your browser type, traffic to and from our site, 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 to identify any malicious software or activity that may affect the availability of the Services. 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, click stream information, and cookies that may uniquely identify your browser 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 affiliates.

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3. Cookies and anonymous identifiers

We use various technologies to collect and store information when you use the Services, and this may include sending one or more cookies or anonymous identifiers to your device. We also use cookies and anonymous identifiers when you interact with the services we offer to our partners, such as advertising services or Imagine features that may appear on other sites and in any other manner that we deem necessary for our business purposes.

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4. Information obtained from third parties

We may also obtain information about you from third parties such as credit bureaus and identity verification services. You may choose to provide us with access to certain personal information stored by third parties, including but not limited to social media sites. The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your Imagine account and authorizing Imagine to have access to this information, you agree that Imagine may collect, store and use this information in accordance with this Privacy Policy.

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5. How Imagine protects your information

Imagine stores and processes your information maintaining physical, electronic and procedural safeguards. We maintain physical security measures to guard against unauthorized access to systems and use safeguards such as firewalls and data encryption. We enforce physical access controls to our buildings, and we authorize access to personal information only for those employees or agents who require it to fulfill the responsibilities of their jobs.

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6. How Imagine uses your information

To improve our service

Imagine uses information to perform and improve our services, contact you, conduct research, and provide anonymous reporting for clients. For example, we may use information to provide customer service and support, process transactions, resolve disputes, collect payments, prevent illegal activities, customize the Services, reduce risk to all parties involved in our transactions, and verify the accuracy of information.

To serve relevant marketing to you

We may use information to deliver targeted marketing, service update notices, and promotional offers based on your communication preferences. We may combine your information with information we collect from other companies and use it to improve and personalize the Services, content, and advertising.

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7. When Imagine shares your information

For our everyday business purposes

We share your personal information with employees, affiliates, vendors, partners, merchant partners, marketing providers, and third parties as required to offer the Imagine Service. This includes, but is not limited to, processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit bureaus. If you consent, we may share your information for marketing purposes with the merchants with whom you use the Imagine Services, and as otherwise permitted by law.

When Required By Law

‍We will share your information with any party when required by law or by a government request to do so or to combat fraud or criminal activity.

With Our Merchant Partners to Provide Personalized Offers

‍We may share your information for marketing with merchants with whom you interact using Imagine Services, if you consent or as permitted by law. By creating an Imagine account, you agree to allow Imagine to share your information with merchants with whom you shop using the Imagine Services so those merchants can to market to you. We do this to help merchants personalize services and offers so you can have a better experience. You may revoke your consent to share your information with merchants for marketing at any time by logging into your Imagine account at www.gotmagine.com and editing your Personalized Services preferences. If you revoke your consent, we will stop sharing your information with merchants within a reasonable time from the time you change your preferences, except we will continue to share information necessary to complete purchase and return transactions you initiate.

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8. How Imagine does NOT use your information

Selling information to Third Parties

We do not sell your personal information to third parties.

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9. What are your options?

Notifications

If you no longer wish to receive notifications about our Services, you may change your notification preferences by emailing support@gotimagine.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. Imagine reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Imagine Service. You are still responsible for any amounts due to Imagine even if we close or limit access to your account.

SMS Messaging

‍You can opt out of receiving SMS messages by emailing support@gotimagine.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. Again, Imagine reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Imagine Service. You are still responsible for any amounts due to Imagine even if we close or limit access to your account.

Access Your Information

‍You can review and edit your personal information at any time by logging in to your account on the Website or by contacting us at support@gotimagine.com. You can also request to close your account by contacting us at support@gotimagine.com. If you close your Imagine account, we will mark your account in our database as “Closed,” but will keep your account information in our database to comply with our legal obligations. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. If you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law or in accordance with this Privacy Policy.

Contact Imagine

‍If you have questions or concerns regarding this Privacy Policy, you should contact us at support@gotimagine.com.

Customer privacy notice

Facts
What does Imagine Financial Inc, do with your personal information?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and account balances
- Transaction history and account transactions
- Credit scores, checking and savings account information
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Imagine Financial, Inc. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Imagine share?
Can you limit this sharing?
For our everyday business purposes

Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes
No
For our marketing purposes

To offer our products and services to you

Yes
No
For joint marketing with other financial companies
No
We don't share
For our affiliates' everyday business purposes

Information about your transactions and experiences

No
We don't share
For our affiliates' everyday business purposes

Information about your creditworthiness

No
We don't share
For nonaffiliates to market to you
Yes
Yes
To limit our sharing

You may limit our sharing by logging into your Imagine account at www.gotimagine.com and editing your Personalized Services preferences.

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice, or earlier if you consent or as permitted by law. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

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Who we are
Who is providing this notice?

Imagine Financial, Inc.

What we do
How does Imagine protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Imagine collect my personal information?

We collect your personal information, for example, when you:
- Apply for a loan or open an account
- Provide account information or pay your bills
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only:
- sharing for affiliates' everyday business purposes--information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Imagine Financial, Inc. does not share with our affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we can share with include our merchant partners and marketing service providers.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Imagine Financial, Inc. doesn't jointly market.
Other important information

Special Notice For State Residents

For California Residents. We will not share personal information with affiliates or nonaffiliates except as permitted by California law, such as to process your transaction or with your consent.

For Vermont Residents. If you live in Vermont, we will share information only as permitted by law. We will not share your personal information with nonaffiliates for their marketing purposes, unless you authorize us to do so. We will not share consumer report information about you with joint marketing partners or with affiliates, except with your consent or to the extent otherwise permitted by law.