Your privacy is important to us. This Privacy Policy explains how we collect, share, use, and protect information when you visit or use this online service and any other online services offered by Neu Money, Inc.
This Privacy Policy (“Policy”) describes the ways Neu Money, Inc. (referred herein as “Neu”, “we”, “us”, “our”) or our affiliates collect, protect, use, and store your personal information. You accept this Privacy Policy by using our products and services (collectively “Services”) on our App or through our website: https://www.neumoney.app (the “Site”) or any other means. We may amend this Policy at any time by posting a revised version on our website.
As you review this Privacy Policy, here are a few general principles to keep in mind:
By using the Services, you are consenting to our processing of your personal information and data as set forth in this Policy. As used herein, “processing” means using or accessing information in any way, including but not limited to collecting, storing, deleting, combining, and disclosing information. Our servers are located in the United States and the Services are intended for a U.S. audience. Accordingly, if you reside outside the U.S., by using the Services, you acknowledge and agree that your personal information will be transferred to the United States and processed and stored in the United States. By using the Services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Policy.
The Services contain links to other websites. The fact that we link to a website is not an endorsement, authorization, or representation of our affiliation with that third party. We do not exercise control over third party websites. These other websites may place their own cookies or other files on your computer, collect data, or solicit personally identifiable information from you. Other sites follow different rules regarding the use or disclosure of the personally identifiable information you submit to them. We encourage you to read the privacy policies or statements of every website you visit.
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Information We Often Request
The types of personal information we collect depends on the products and services you use. It may include:
If you desire to access certain parts of the Services, you will be required to become a registered user and to submit certain personal information to the Site. Personal information that we may collect in such instances may include your full name, email address, mailing address, telephone number, date of birth and other information that you provide us with as part of the credit card application. Additionally, we may request that you upload a copy of your official passport/national identity card, a copy of your financial statement issued by a US bank, and/or a copy of your US I-20 Form and US Student Visa which are issued by the U.S. Department of Homeland Security in order to verify your identity, program eligibility, and ability to repay debt. We may also ask our users to generate a new personal identification number (PIN) or password to access the Services. In general, we may use any information provided by you to verify your identity or as part of a credit application or other business processes.
When you visit the Site or use the Services, we may collect information from your computer, mobile phone, or similar device. This information may include your IP address and device information including but not limited to identifier, device name and type, operating system, location, mobile network information, and standard web log information such as your browser type, traffic to and from our website, the pages you accessed on our website, and any other available information. We may also collect information about your use of and interaction with the Site, application, or Services. For example, we may evaluate your computer, mobile phone, or other access device for indicators of fraud, or analyze your website clicks to assess your interest in our specific product terms. 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, referring sites or click stream information, and web “cookies” or “tokens” that may uniquely identify your browser, device, or account. We may also collect information about you from any contact you have with any of our employees, our customer support team, or through surveys, or through interactions with our agents and/or affiliates.
Neumoney.app may receive varying degrees of location information from Social Media Services (as defined below) that you enable within the Services and also (with your permission) from your computing devices (“Location Data”). For example, we may collect and use location data (e.g., GPS or IP-based geography detection) to screen for fraudulent activity or to verify self-reported information (for example, to verify you reside in a certain city or near a university in which you are enrolled) and to customize the Service to make it more relevant to you (for example, to send newsletter information that may be of interest to you).
When you interact with the Site or use the Services, our servers automatically receive and store certain non-personally identifiable information (“Log Data”). This Log Data is collected passively and may include (but is not limited to) information such as your IP address, browser type, mobile phone type, software settings/configurations, or the domain from which you are visiting, the Site pages you visit, the search terms you use, and any advertisements on which you click. We use Log Data and analytics-based observations to provide you with the Services (for example, to send an SMS to your mobile device) and we may pool Log Data with other information to monitor the use of the Services, and for the technical administration of the Services. If we are asked to comply with a subpoena or other legal demand or where we suspect that there has been a violation of our policies, then we will associate your IP address with any other Personal Information to identify you personally, according to our Terms of Use and/or applicable laws.
Like many websites and services, we also may use “cookie” technology to collect additional Site usage data and to improve the Site and Services and related offers. A cookie is a small data file that we transfer to your computer or mobile phone. Neu may use both session cookies and persistent cookies (known as “persistent tokens”) to better understand how you interact with the Site and the Services, to monitor aggregate usage by our users and web traffic routing on the Site, and to improve the Site and the Services. A session cookie or security token enables certain features of the Site and Services and is often (but not always) deleted from your computer when you disconnect from or leave the Site. A persistent token will likely remain after you close your browser and may be used by your browser on subsequent visits to the Site. Persistent tokens can be removed by following your web browser help file directions. Most Internet browsers automatically accept cookies. You can instruct your browser, by editing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit.
We may, or our partners or affiliates may, also deliver a file (known as a “web beacon”) from an ad network to you through the Services. Web beacons allow ad networks (and other websites) to provide anonymized, aggregated auditing, research, and reporting for us and for advertisers. Web beacons also enable ad networks to send targeted advertisements to you when you visit other websites. Because your web browser must request these advertisements and web beacons from the ad network’s servers, these companies can view, edit, or set their own cookies, just as if you had requested a web page from their sites.
When you make payments through the Services, we or i2c, our third party payment processor, may collect information related to your payments, such as your payment method, account number, type, or expiration date. The use and storage of such information is governed by this Privacy Policy and i2c’s privacy policy, available at https://www.i2cinc.com/privacy-policy
Prior to establishing a Neu account or after a Neu account is established, or both, we invite Neu account holders to enter certain login credentials (such as a username and password) for certain online account types (for example, credit cards, debit cards, or traditional bank accounts) in order to verify identity and/or process payment. These credentials provide Neu with consistent and reliable access to each financial account. Neu uses such access to monitor and assess account holder’s ability to repay debt or counter fraud.
If you allow Neu to access the contacts/address book on your phone or other services (such as email) through the permission system used by your mobile platform, Neu may access and store names and other contact information from your address book to facilitate social interactions through the Services and execute our share program. Access to contacts may be requested as part of a customer share program or validation of self-reported information.
We collect transaction details related to your use of the Services, including the type of service requested, date and time the service was provided, amount charged, locations, distance traveled, and other related transaction details. Additionally, if someone uses your customer referral code, then we may associate your name with that person.
In an ongoing effort to better understand and serve the users of the Services, Neu often conducts research on our customer demographics, interests, and behavior based on the information provided to us. This research may be compiled and analyzed on an aggregate basis and Neu may share this aggregated data with our marketing affiliates, agents, and business partners. This aggregated information does not identify you personally. Neu may also disclose aggregated user statistics in order to describe the Services to current and prospective business partners and to other third parties for other lawful purposes.
We may obtain information about you from third parties such as credit bureaus, the U.S. Department of Homeland Security, student enrolment verification services, and identity verification services. You may choose to provide us with access to certain personal information stored by third parties such as social media websites and services (“Social Media Services”) or banking websites. 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 Neu account and authorizing Neu to have access to this information, you agree that Neu may collect, store, and use this information in accordance with this Policy.
We collect information regarding how you and other site visitors use and interact with the Services, including preferences expressed, and settings chosen. In some cases, we do this through the use of cookies, pixel tags, and similar technologies that create and maintain unique identifiers.
Neu stores and processes your information while maintaining physical, electronic, and procedural safeguards of its Site and systems. We maintain physical security measures to guard against unauthorized access to systems and use electronic safeguards such as firewalls and data encryption. We authorize access to personal information only for those authorized employees with a business need to have access to personal information.
If you contact us by email, we may keep a record of your contact information and correspondence, and may use your email address, and any information that you provide to us in your message, to respond to you. In addition, we may use your contact information to market to you and provide you with information about our products and services and the products and services of our partners that we believe may be of interest to you. If you decide at any time that you no longer wish to receive such marketing information or communications from us, please follow the unsubscribe instructions provided in any of our communications.
In an ongoing effort to better understand and serve the users of the Services, Neu occasionally conducts separate research efforts on its customer demographics, interests, and behavior based on the Personal Information and other information provided to us. This research may be compiled and analyzed in the aggregate and Neu may share this aggregated data with its affiliates, agents and business partners. This aggregated information does not identify you personally. Neu may also disclose aggregate user statistics in order to describe the Services to current and prospective business partners, and to other third parties for other lawful purposes.
At times Neu may provide third parties with certain personal information to provide or improve our products and services, including to deliver products at your request, or to help Neu market to consumers. When we do, we require those third parties to handle it in accordance with relevant laws. We do not share personal information with third parties for their marketing purposes.
Information Sharing and Disclosure
We consider your information to be a vital part of Neu’s relationship with you and, accordingly, we do not share it unnecessarily. There are, however, certain circumstances in which we may share your Personal Information with certain third parties without further notice to you, as outlined below.
To enable our Service Providers
Neu shares personal information with companies who provide services such as information processing, extending credit, fulfilling customer orders, managing and enhancing customer data, providing customer service, assessing your interest in our products and services, and conducting customer research or satisfaction surveys. These companies are obligated to protect your information and may be located wherever Neu operates.
To process payments and service related to your Neu Account
If we collect credit card information for payments, or other financial information related to payments, then that information will be collected and stored by our payment processor. We will from time to time request and receive your financial information from our payment processor for the purposes of completing transactions you have initiated through the Services, assessing credit risk, processing invitations to apply for increased credit limits, or enrolling you in such other programs in which you elect to participate, identifying or researching possible fraudulent transactions, and otherwise as needed to manage our business.
To enable Social Media Services and related data collection
You can choose to access certain third party communication tools or Social Media Services through the Services. When you choose to do so, you will be sharing information with those Social Media Services, and the information you share will be governed by their privacy policies and Terms of Use. You may also be able to modify your privacy settings with these Social Media Services to, for example, control what information the Social Media Services disclose to third parties such as Neu. When you add Social Media Service accounts to the Service or log into the Service using your Social Media Services account, we will collect relevant information necessary to enable the Services and access that Social Media Service. In all cases, you will provide your login information, such as your username and password, directly to the Social Media Service and not to Neu. As part of such integration, the Social Media Service will provide Neu with access to certain information that you have provided to the Social Media Service, and Neu will use, store and disclose such information in accordance with this Privacy Policy and, if and to the extent applicable, the policies of such Social Media Services. However, please remember that the manner in which Social Media Services use, store and disclose your information is governed by the policies of such third parties and Neu will have no liability or responsibility for the privacy practices or actions of any Social Media Services that may be enabled with or accessed through the Service.
Disclosures for Legal Purposes
It may be necessary − by law, legal process, liaison, and/or requests from public and governmental authorities within or outside your country of residence − for Neu to disclose your personal information. We may also disclose information about you if we determine that for purposes of national security, law enforcement, or other issues of public importance, disclosure is necessary or appropriate. We may also disclose information about you, but only where there is a lawful basis for doing so, if we determine that disclosure is reasonably necessary to enforce our terms and conditions or protect our operations or users. This could include providing information to public or governmental authorities. Additionally, in the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third party, including during any pre-transaction diligence investigation.
Selling Information to Third Parties
We do not sell or rent your personal information to third parties.
If you no longer wish to receive notifications (such as SMS or email messages) about the Services, you may change your notification preferences by emailing support@neumoney.app. Alternatively, you may be able to indicate your preference by logging into your Neu account and adjusting your preferences or by following the directions provided with the communication. Neu reserves the right to close your account should you opt out of the critical notices that are required to perform the Services.
Your Right to Access
You can review and edit your personal information at any time by logging in to your account on Neu’s App/Website or by contacting us at support@neumoney.app. You can also request to close your account with Neu by contacting us at 1-844-638-3425. If you close your Neu 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.
This Privacy Policy may not constitute your entire set of privacy rights, as these may vary from state to state. For example, California Civil Code Section § 1798.100 permits California residents who are users of the Site to request certain information regarding the disclosure of personal information to third parties for direct marketing purposes. To make such a request, please send an email to support@neumoney.app. To be certain of your privacy rights, you may wish to contact the agency in your state that is charged with overseeing consumer privacy rights.
Neu may update its Privacy Policy from time to time, and the updated policy will be posted on our Site and be effective immediately, unless otherwise stated. If you have questions or concerns regarding this Privacy Policy, please contact us at support@neumoney.app or call 1-844-638-3425.
This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the U.S. Online Privacy Notice of Neu and its subsidiaries (collectively, “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”).
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
| A. Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. | Yes |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | Yes |
| C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information) | Yes |
| D. Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | Yes |
| E. Biometric information. | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voice prints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | No |
| F. Internet or other similar network activity. | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. | Yes |
| G. Geolocation data. | Physical location or movements. | Yes |
| H. Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar | No |
| I. Professional or employment-related information. | Current or past job history or performance evaluations. | Yes |
| J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | No |
| K. Inferences drawn from other personal information. | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | No |
Personal information does not include:
We obtain the categories of personal information listed above from the following categories of sources:
We may use or disclose the personal information we collect for one or more of the following business purposes:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
In the preceding twelve (12) months, we have not sold any personal information.
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.\
You may have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable consumer request, we may disclose to you:
You may have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we may delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or our service providers to:
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
US Postal Mail to:
Neu Money, Inc.
Attn: Privacy
1331 Union Avenue, Suite 1033
Memphis, TN 38104; or
Email us at support@neumoney.app
Call us at 1-844-638-3425
Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.
You may only make a verifiable consumer request for access or data portability twice within a 12- month period. The verifiable consumer request must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
The Services are not intended for use by children. We do not knowingly collect personal information from children under the age of 13 years. If we become aware that a child under 13 has opened an account or otherwise provided us with Personal Information, we take steps to terminate the child’s account and delete such information.
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Changes to Our U.S. Online Privacy Notice and this State-Specific Notice
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on our Website and update the notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.
This policy, and any associated changes or updates, will be reviewed and approved by the Board on an annual basis.
If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Neu Money, Inc.
Attn: Privacy
1331 Union Avenue, Suite 1033
Memphis, TN 38104
This is not a deposit product. Neu Card made by Cross River Bank, Member FDIC.