Effective September 2016


My Mobile Money Access App Privacy and Security

At My Mobile Money Access (“we,” “us” or “our”), trust has always been the foundation of our relationship with customers. We understand your desire for privacy, and we recognize that you trust us with your personal and financial information. Our Online Privacy Policy is designed to describe our privacy practices and principles in a format that is easy to navigate, read and understand. We pledge to treat your personal information with the utmost care and respect.


Online Privacy Policy

This Privacy Policy (the "Policy") describes the treatment of information that is provided or collected through the My Mobile Money Access applications (the "Applications" or collectively, the "Services"). Note that the Policy does not govern our privacy practices offline or with respect to information that is not provided or collected through the Services. For additional information on this Policy or our privacy practices generally, please contact your financial institution directly with your questions.


While this Privacy Policy describes how we treat information, please be aware that additional terms and conditions may apply for certain parts of our Applications.



1. Types of Information We Collect

We collect two basic types of information through the Services – personal information and anonymous information.


"Personal information" refers to information that identifies (whether directly or indirectly) a particular individual, such as information you provide on our forms, surveys, applications or similar fields. Examples may include your name, postal address, email address, telephone number, Social Security number, date of birth or account information.


"Anonymous information" means information that does not directly or indirectly identify, and cannot reasonably be used to identify, a particular individual. Examples may include information about your Internet browser, information collected through tracking technologies (see "How We Collect Your Information" for additional information regarding our use of tracking technologies), demographic information that you provide to us (e.g., your annual income) and aggregated or de-identified data.


"Location information" means information that may be collected by certain mobile applications that identifies your physical location. This information may be collected from your mobile device’s location-aware features when you request certain services that are dependent on your physical location.



2. How We Collect Your Information


We collect personal information from you or about you when you provide this information to us directly. For example, we may obtain personal information when you request information, products or services from us, register on an Application, respond to surveys, contact customer support or otherwise interact with us.


In addition, we may collect information about your activity on the Services automatically using tracking technologies, such as cookies, Flash cookies and pixel tags. Definitions for the tracking technologies listed, as well as information regarding how to disable them, are available in the Online Tracking and Advertising section of the Policy.



3. How We Use Your Information


We may use information collected through the Services in order to, among other things:

  • Provide you with, or evaluate your eligibility for, products and services that you request from us 
  • Communicate with you about your accounts or transactions with us 
  • Send you important information regarding the Services, changes to this Policy and/or other similar administrative information 
    • Consistent with local law, required disclosures, and choices and controls that may be available to you: 
    • Personalize content and experiences on the Services 
  • Verify your identity and/or location (or the identity or location of your authorized representative) for security, fraud prevention and other risk control purposes 
  • Optimize or improve our products and services 
  • Detect, investigate and prevent activities that may violate our policies or be illegal 
  • Comply with our legal and regulatory obligations 



4. How We Share Your Information


We will not share your personal information outside of: (i) My Mobile Money Access; or (ii) your financial institution, except under certain circumstances as allowed or required by law. Examples include sharing information with third party service providers who work for us to provide or maintain products or services, responding to court orders or judicial process.  



5. Online Tracking and Advertising


We and certain trusted service providers operating on our behalf collect information about your activity on the Services using tracking technologies, including:



Cookies are pieces of information that are stored directly on the device that you are using. They allow us to collect information such as the type of browser you are using, the amount of time you spend using the Services, the websites or applications you visit and the preferences you have set up for your accounts. We use this information to personalize your experience, enhance security, facilitate navigation, display material more efficiently and recognize the device that you are using to access the Services. The Services do not use cookies that capture unencrypted personal information about you.

You can choose to have your device refuse to accept any cookies, and the majority of devices and browsers offer additional privacy settings for cookies. You do this through your browser settings. Each device and each browser is a little different, so look at your device Settings or your browser Help menu to learn the correct way to modify your cookies. If you turn cookies off, you will not have access to many features that make your user experience more efficient and some of the Services will not function properly. Please note that you will need to manage your cookie settings for each device and browser that you use.


Flash cookies. 

We may use local shared objects, sometimes known as Flash cookies, to store your preferences and to assist with authentication by allowing us to recognize you and your device when you return to the Application. This permits us to display content based upon what you view on applications to personalize your use of the Services. Our advertisers and third-party service providers also may use Flash cookies to collect and store information. Flash cookies are different from browser cookies because of the amount and type of data, as well as how data is stored. Cookie management tools provided by your device or browser will not remove Flash cookies. If you disable Flash cookies, you will not have access to many features that make your user experience more efficient and some of the Services are unlikely to function properly.


Pixel tags, web beacons, clear GIFs and other similar technologies.

These are typically small pieces of data that are embedded in images on our Applications or certain email communications. They may involve the transmission of information directly to us, to another party on our behalf or to another party in accordance with its privacy policy. We may use these technologies to bring together information we collect about you.


Location tracking on mobile devices.

Certain applications on mobile devices may transmit information to us about your location when you request information from them. An example includes your physical location when you search for a nearby ATM using your mobile device. We may use that information to improve the products and services we provide to you as well as improving our services generally in your area. 


Information collected through tracking technologies is used for many purposes including, for example, to:

  • Provide useful features to simplify your experience when you return to the Services 
  • Deliver relevant content based on your preferences, usage patterns and location 
  • Monitor and evaluate the use and operation of the Services 
  • Analyze traffic on the Services and on websites or mobile applications of third parties 


We may associate this tracking data with your registration information, in which case we will treat it as personal information. Service providers that collect tracking data on our behalf may provide an opportunity for you to choose not to be tracked online.



6. Data Security 


Your privacy is very important to My Mobile Money Access and we are committed to protecting your personal information from unauthorized access or use. We seek to use reasonable organizational, physical, technical and administrative measures to protect personal information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us.


You have the responsibility to help us protect your accounts by never revealing your user name or password to other individuals.   Choose a password that is difficult to guess, using letters, numbers, and special characters.  If you believe your password has been compromised, contact your financial institution promptly to report it.



7. Preventing Identity Theft


In order to help us protect your personal information, it is important that you always keep your account information safe. Never share your personal ID, password or PIN with anyone, under any circumstances.


Note that My Mobile Money Access will never initiate a request via email for your sensitive information (e.g., Social Security number, personal ID, password, PIN or account number). If you receive an email asking for your sensitive information, you should be suspicious of the request and promptly contact your financial institution to report the suspicious activity.


Please be aware, however, that in certain telephone and in-person transactions we may ask for sensitive information to verify your identity before conducting the transactions you have requested. For example, we may ask for such information to verify your identity when you place a call to us.  We will never request that you disclose your personal ID, password or PIN under any circumstances, including such telephone or in-person transactions.



8. Children’s Privacy


We do not use the Services to knowingly solicit data from or market to children under the age of thirteen (13) without parental consent. We request that such individuals do not provide personal information through the Services. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should promptly contact your financial institution. 



9. Updating Your Information


It is very important that you keep the information associated with your account accurate and up-to-date. If you believe that your account information is incomplete, inaccurate or otherwise not current, please contact your financial institution.



10. Changes to the Privacy Policy


From time to time, we may make changes to this Policy in order to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We encourage you to review the Policy periodically to ensure that you understand how we collect, use and share information through the Services. If we do make changes to the Policy, we will also update the "Effective Date" posted at the top of the Policy.


Any changes to the Policy will become effective when the revised Policy is posted on the relevant Application. By continuing to use the Services following such changes, you are agreeing to accept the terms of the revised Policy.



11. Contact


If you have any questions, comments, or complaints about this privacy policy and/or the way it affects you, please feel free to contact your financial institution.