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Our Privacy Policy

Our website (the "site") and mobile application ("application") are made available by Genesis Financial Solutions, Inc. and/or Genesis FS Card Services, Inc. ("we," "us" or "our").

The site and application are provided for the users of credit products that we service on behalf of the issuing banks. Each of those banks maintains its own privacy policy, your use of the site and application are subject to the issuing bank’s privacy policies. You can find the issuing banks’ privacy policies here:

• First Electronic Bank's Privacy Policy
• Celtic Bank's Privacy Policy
• The Bank of Missouri's Privacy Policy

The applicable issuing bank’s privacy policy discusses what personally identifiable information about you we collect, and how we share and protect that information. This Privacy Policy contains specific information about how your information may be collected on this site, and how you can update your personal information and contact us with questions or concerns. The site and application are exclusively directed to and intended for use by legal residents of the United States who are adults, age 18 and over. We do not knowingly solicit information from or market products or services to non-US residents or minors. If you are not a legal resident of the US or are under the age of 18, you are not permitted to set up an account, and may not enter personal information. If we knowingly obtain personally identifiable information of children under the age of 13, we will delete that information from our systems.

How the site responds to do-not-track signals
Our site does not respond to browser do-not-track signals.

Do you use cookies?
Our site and application use cookies. A cookie is a piece of data stored by your internet browser on your computer’s hard drive or on your mobile device. A cookie helps us measure how often you visit our site or application, the average time you spend on our site, or application and allows us to store your online preferences. When you browse our site or application or respond to one of our emails, we may use cookies, pixel tags, flash objects, web beacons, clear GIF’s or other technologies to collect information. Cookies are widely used, and most browsers are set up to accept them automatically. If you would prefer, you can choose to not accept cookies through our site. If you prefer not to accept cookies through our site, you can:

• change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it;
• set your browser to automatically not accept any cookies.

Information We Collect
We collect two types of online information: Non-Personal Information and Personal Information.

Non-Personal Information: When you visit our site, we collect the IP address of the device you use to connect to the internet and the domain you used to access the internet. In addition, we collect other information such as what browser type you are using, the type of operating system you have, and what website you may have come from and other information from your device settings. We may also collect navigational information such as pages visited, when they were visited and time spent on a particular page. This information is collected separately from personal information we collect. When you use our application, we collect you mobile device type, mobile network information, identity and location services, operating system, network connection, and last update of device.

Personal Information: In addition to the information described above, we may also gather personal information that you provide including, but not limited to, your:

• Name;
• Address;
• Telephone number;
• Email address;
• Account number, routing number, and name of financial institutions where you currently have an account and will use in connection with your credit product;
• Account activity, including transactions and payments;
• User name and password; and
• Other personal information used to verify your identity.

What are the sources from which we collect personal information about you?
We collect personal information when you register with our site or application, when you "contact us" through the site or application, when you make payments on your account, and when you use other services through the site or application. We may gather your product choice or other preferences and selections along with this personal information, and we may connect your personal information to the non-personal information that we also gathered. If we have other personal information about you or have information about you that is publicly available, we may use it in combination with the information we have collected online through the site or application. We collect information from cookies, web beacons, mobile application plug ins, or other similar technologies. We also collect information from third parties, such as marketing agencies, market research companies, credit reporting agencies, and identity verification service providers.

How do we use the information we collect about you?

• Engage in marketing, market research, and business development;
• Process your requests for credit;
• Communicate with you about your credit account and credit transactions;
• Process your payments;
• Provide you customer support and respond to your inquiries;
• Resolve complaints and disputes;
• Detect, investigate and prevent potentially prohibited or illegal activities, such as fraud;
• Engage in risk profiling and other data analytics;
• Operate, improve, maintain, and ensure the security of our site and application
• Recognize you when you return to our site or application, store information about your preferences, and customize the site according to your individual interests;
• Comply with laws and regulations;
• Exercise or defend our legal rights – this may include where we reasonably consider it is in our legitimate interests or the legitimate interests of others, as well as where we are legally required to do so; and
• Use in connection with any other legitimate business purpose permitted by applicable law.

Do we share your information with third parties?

We may share the information we collection about you with

• The issuing bank of your credit account;
• Our affiliates;
• Third-party service providers who provide services to us for the operation of this site and our business;
• Communication service providers;
• Merchants that partner with us;
• Credit reporting agencies;
• Other companies in connection with a merger, acquisition, or the sale of assets;
• Third parties, including governmental authorities and law enforcement, to (i) protect or defend our legal rights, interests or property; (ii) protect the safety and security of our customers or members of the public; (iii) protect against fraud; and (iv) comply with applicable law, subpoena or legal process;
• Third parties in an anonymized and aggregated manner; and
• Other third parties for fulfilment of services you request or any other business purpose permitted by applicable law.

Why do we share your information with third parties?

We may disclose your personal information to third parties:

• When necessary to complete a financial transaction or transfer;
• In order to verify the existence and condition of your account to a third party such as a credit reporting agency or merchant;
• In order to comply with a government agency or court order;
• In the event that all or part of our assets are acquired, merged with, sold to, or otherwise disposed of to one or more third parties;
• As permitted or required by applicable law and/or regulation;
• If you give us written permission; or
• For any other reason listed above under "How do we use the information we collect about you?"