This website is offered to you (the user of this site), conditioned on your acceptance, without modification, of the terms, conditions and notices contained in this Website Privacy and Security Policy (this “Agreement”). Your use of this site constitutes your agreement to the terms, conditions and notices from time to time set forth at this site. As used herein, “we”, “our” or “us” refers to Atlanticus Services Corporation, which, along with its affiliates and wholly-owned subsidiaries (the “Servicer”), is responsible for the Website Privacy and Security Policy for the www.curae.com website as servicer for The Bank of Missouri (“TBOM”), the issuer of the Curae card.
We are committed to protecting your privacy. We recognize the importance of safeguarding and respecting your privacy, and accordingly have adopted this Agreement to serve as the basis for our policies and procedures. This Agreement demonstrates our commitment to providing privacy and security protection to visitors of our website. This Agreement is designed to assist you in understanding how we collect, use and safeguard personal information you may provide to us or to others through this website and to assist you in making informed decisions when using this site.
What Information Do We Collect?
When you visit our website you may provide two types of information, (1) personal information you knowingly choose to disclose which is collected on an individual user basis and (2) website use information collected on an aggregate basis as you and others browse our website. If you choose to correspond through email, we may retain the content of your email messages together with your email address and all responses sent through our website. We provide the same protections for these electronic communications as we employ in the maintenance of information received by mail and telephone.
How Do We Use Information We Collect From Cookies and Web Server Logs?
Similar to other commercial websites, our website utilizes a standard technology called “cookies” web server logs and Google Analytics to collect information about how our website is used.
“Cookies” are a feature of web browser software that allows web servers to recognize the computer used to access a website. Cookies are small pieces of data that are stored by a user’s web browser on the user’s hard drive. Cookies can remember what information a user accesses on one web page to simplify subsequent interactions with that website by the same user or to use the information to streamline the user’s transactions on related web pages. This makes it easier for a user to move from web page to web page and to complete commercial transactions over the Internet.
Cookies should make your online experience easier and more personalized.
Cookies help us collect important business and technical statistics. Information gathered through cookies web server logs and Google Analytics may include the date and time of visits, the pages viewed, time spent at our website, and the website visited just before and just after our website. This information is collected on an aggregate basis. None of this information is associated with you as an individual user. Our server logs allow us to count how many users visit our website and evaluate our website’s visitor capacity. We do not use these technologies to capture your email address or any identifying information about you (although you DO enter those kinds of information in the application process).
However, we do store IP addresses for fraud detection and prevention purposes. These technologies do permit us to deliver focused messages or other such responses to you while you are visiting our site or to provide advertising to you when you are visiting other sites. Any such offers, from TBOM or third parties sponsored or approved by TBOM, will be provided in accordance with the respective sender’s privacy notice and any preferences that you have previously provided to that sender.
How Do We Use the Other Information that You Provide To Us?
When providing identifying information to us, such as by email correspondence with us or by entering information into this site, we may use the information we collect to notify you about important changes to our website.
How Do We Secure Information Transmissions?
When you send personal credit account information through our website, secure server software which we have licensed from Secure Socket Layer (SSL) or Secure Electronic Transaction (SET) encrypts all information you input before it is sent. The information is scrambled en route and decoded once it reaches its destination. Other email that you may send to us may not be secure unless we advise you that security measures will be in place prior to your transmitting the information. For that reason, we ask that you do not send us confidential information such as social security or account numbers through an unsecured email.
How Do We Protect Your Information?
The Servicer uses sophisticated secure technology to protect personal information. Although we have taken reasonable measures to provide for the security of certain information that you send to our site, we cannot guarantee that this information will not be intercepted or decrypted by others. We accept no responsibility for such interception or decryption.
Information Security. We utilize Secure Socket Layer (SSL) and Transport Layer Security to safeguard the confidentiality of personal information from unauthorized access or disclosure and accidental loss, alteration or destruction.
Evaluation of Information Protection Practices. Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the security, confidentiality and quality of our information.
Employee Access, Training and Expectations. We are committed to the protection of information. In general, our business practices limit employee access to confidential information and the use and disclosure of such information to authorized persons, processes and transactions.
Do We Disclose Information to Outside Parties?
We will provide information about you, website traffic patterns and related website information to our affiliates and/or third parties (including TBOM), as allowed by law.
We also may disclose information provided as described in the section of this document titled How Do We Use the Other Information that You Provide To Us? above.
How Do We Protect Children?
We do not knowingly solicit data from or knowingly market to children. Our website is directed to adult consumers. Parents can use various readily available software packages to prevent their children from accessing websites which they deem to be inappropriate. Parents can choose to utilize other methods to limit the websites to which their children have access.
What About Legally Compelled Disclosure of Information?
We may disclose information when legally compelled to do so; in other words, when we, in good faith, believe that the Servicer requires it or for the protection of our legal rights and as otherwise required by law (such as to respond to the governmental inquiries of TBOM’s regulators).
What About Other Websites Linked to the www.curae.com Website?
We are not responsible for the information practices employed by websites linked to or from our website. Often links to non-Curae sites are provided solely as pointers to information on topics that may be of interest to the users of our website.
Please remember that when you use a link to go from our website to another website, the Website Privacy and Security Policy is no longer in effect. Your browsing and interaction on any other website, including websites which have a link on our website, are subject to such other website’s rules and policies. Please read over their rules and policies before proceeding.
By using our website, you consent to our collection and use of your information as described in this Agreement that does not involve transferring nonpublic personal information to unaffiliated third parties. If we change this Agreement for any reason, we will post the changes on our website. We will tell you what information we collect, how we use it and under what circumstances we may disclose it, and we will always provide notices under applicable laws and regulations. We will only share data as allowed by applicable state and federal law.
Copyright © 2018 Atlanticus Services Corporation. All Rights Reserved. Users of this site agree to be bound by the terms of the Website Privacy and Security Policy. We will notify you as required by applicable law of any changes to the Website Privacy and Security Policy.
The Curae card is issued by The Bank of Missouri, St. Robert, MO, Member FDIC. ©2018 Atlanticus Services Corporation. All rights reserved.