Pathward Financial, Inc. and Pathward, National Association Privacy Notice
|FACTS||WHAT DOES PATHWARD FINANCIAL, INC. AND PATHWARD, NATIONAL ASSOCIATION 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.|
The types of personal information we collect and share depend on the product or service you have with us. This notice pertains to all Pathward products offered through H&R Block or program managed by Emerald Financial Services, LLC, an H&R Block company (the "H&R Block Program"). This information can include:
|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 Pathward Financial, Inc. and Pathward, National Association choose to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Pathward 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||Yes||No|
|For our affiliates' everyday business purposes — information about your transactions and experiences||No||We do not share|
|For our affiliates' everyday business purposes — information about your creditworthiness||No||We do not share|
|For our affiliates to market to you||No||We do not share|
|For nonaffiliates to market to you||Yes||Yes|
|To limit our sharing||
However, you can contact us at any time to limit our sharing.
|Questions?||Call 800-472-5625 or go to www.hrblock.com|
|Print Notice and Mail-in Form>|
|If you have a joint account, your choice(s) will apply to everyone on your account.||
Pathward, c/o Emerald Financial Services, LLC, Privacy Choices
PO Box 30674
Salt Lake City, UT 84130
City, State, Zip
|Account number(s) or TIN|
|Who we are|
|What we do|
|How does Pathward 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.|
|How does Pathward collect my personal information?||
We collect your personal information, for example, when you
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:
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|Joint marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|Other important information|
Offshore service providers. We may share your personal information with offshore service providers, such as a customer service call center to support certain of the bank’s products and services.
Call Monitoring and Recording. If you communicate with us by telephone, we may monitor or record the call.
California and Vermont Residents. We will not share your personal information with affiliated and nonaffiliated third parties, except as permitted by law, including, for example, for our own marketing purposes, everyday business purposes, or with your consent. Vermont Residents: We will not share your credit information or information about your creditworthiness, transactions, or experience, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Nevada Residents: This notice is provided under state law. You may be placed on our internal Do Not Call List by calling 1-800-472-5625. For more information on this law, you may contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Ste 3900, Las Vegas, NV 89101; telephone: 702.486.3132; email: firstname.lastname@example.org.