Privacy Policy
Last modified: October 7, 2024
INTRODUCTION
This Privacy Policy governs any information Ready Credit Corporation (“Ready Credit”, “Company”, “we”, or “us”), including ReverseATM, LLC, obtains when you, our customer (“you”), interact with or otherwise provide information through https://www.readycreditcorp.com/, https://rcbalance.com/, and/or https://www.myreadycard.com, including any content, functionality, and services offered on or through such sites and any other Ready Credit sites that link to this Privacy Policy (collectively, the “Websites”), whether as a guest or a registered user. Ready Credit is committed to providing excellent service to you, including respecting your privacy rights and protecting your information. We understand that when you visit or use our Websites you may have questions about whether and how our Websites collect and use your information. We collect and use your personal information as described in this Privacy Policy.
PLEASE READ THIS POLICY CAREFULLY TO UNDERSTAND HOW WE HANDLE YOUR PERSONAL INFORMATION. IF YOU DO NOT AGREE TO THIS POLICY, PLEASE DO NOT ACCESS OUR WEBSITE.
INFORMATION WE COLLECT AND HOW WE COLLECT IT
Websites Information Collection
We may collect information through your use of our Websites as follows:
When you contact us through our Website
When you set up an account in order to access and use our services
If you receive a prepaid debit card from one of our kiosks and visit our Websites to check the balance
If you express interest in our payment solutions for businesses
We may collect the following information about you:
first name and last name
email address
phone number
mailing address
ReadyCARD number
Although we provide for the input of free text through our Website, please do not include any information that, in combination with the ReadyCARD number, would permit use of that ReadyCARD number.
Information Collected Automatically
Web Browser Cookies
We collect information about how you use our Websites by setting and accessing cookies on your computer. A cookie is a small piece of information sent by our Websites that is saved on your storage drive by your computer’s browser. The cookie holds information our Websites may need to personalize or enhance your experience and to gather statistical data, such as which pages are visited, the Internet provider’s domain name and the addresses of the sites visited immediately before coming to and immediately after leaving our Website. The information in the cookie lets Company trace “clickstream” activity (i.e., the paths taken by visitors to our Websites as they move from page to page) to enable us to better serve our customers by revealing which portions of our Websites are the most popular. We may link the anonymous visitor ID from your cookie to a user ID in our database to help us analyze web traffic and statistics. From time to time, other companies may help us with data research and analysis, but they will be prohibited from using that data for any other purpose. You may disable cookies on your browser. Please review your browser’s instructions for doing so. Note that certain features of the Websites may not be available if you delete or reject cookies.
You can manage how we use cookies on your browser by clicking the “Cookies settings” link on the banner at the bottom of our home page. Clicking on the “Cookies settings” link will take you to a popup screen “About Cookies” where you can manage your cookie preferences. There are four categories of cookies: “Necessary”, “Analytics”, “Advertisement”, and “Functionality.” Using the slide bar, you can choose which cookies to allow, except for the “Necessary” that are necessary for the operation of the Website. “Analytics” cookies are used to understand how users use our Websites. These cookies also aid in determining the performance of our advertising. “Advertisement” cookies collect data about your browser’s online activity. “Functionality” cookies are used to personalize our Websites for you by capturing your preferences, choices, and settings. This data is used to present advertising to you that may be of more interest than a non-targeted advertisement. Removing “Advertisement” will not remove ads from our Website. In addition to using our cookie manager, you can also adjust your cookies through your browser settings. You can learn more about cookies at the following link: All About Cookies | Online Privacy and Digital Security. Please note that removing cookies may affect how the Websites work.
Pixel Tags
We may use pixel tags (also called web beacons or clear gifs) on our Websites. They can help us analyze what our customers like to do on our Websites and the effectiveness of our features and advertising. They can also help us customize your browsing experience. We may use information collected through pixel tags or tracked links in combination with your personal information. We may also combine personal information you provide to Company with other personal information (such as purchase history and demographic information). If we work with other companies to help us track, collect and analyze this information, they will be prohibited from using this information for any other purpose.
The Websites, including our service providers, may also use other technologies such as JavaScript. We may use local storage (HTML5). We may also permit third parties to use cookies, web beacons, JavaScript, and eTags on our Website.
Information From Third Parties
We may obtain information about you from a third-party website or application where we post content or invite your feedback or participation. We may obtain information from social media and blogs and other public sources.
PURPOSE FOR COLLECTING PERSONAL INFORMATION
Your personal information is collected for specified purposes and not processed further in ways incompatible with those purposes. Collected personal information is relevant to and not excessive for the purposes for which they are collected and used. We use your personal information when you:
providing a newsletter
for contacting you
to open or set up an account for you
the use of our services
PERSONAL INFORMATION SOLD
We do not sell personal information with third parties. We do share personal information with our service providers as necessary to process your personal information.
DATA SECURITY
We apply commercially reasonable and appropriate administrative, technical, and physical safeguards to protect the confidentiality, integrity, and availability of your personal information. Such safeguards protect against unauthorized access, alteration, disclosure, unlawful processing and accidental loss, destruction, or damage of your personal information. Although these safeguards reduce the risk of adverse effects to the confidentiality, integrity, and availability of your personal information, they cannot ensure or guarantee against the possibility of a security incident.
DATA RETENTION
Your personal information is retained for as long as reasonably necessary and proportionate to achieve:
The purposes for which your personal information was collected and processed.
Another disclosed purpose that is compatible with the context in which your personal information was collected.
CHILDREN’S PRIVACY AND AGE-RELATED INFORMATION COLLECTION POLICIES
We do not knowingly collect or allow the collection of personal information with our Websites from an individual under the age of 13. If we have actual knowledge that we have collected personal information from an individual under the age of 13, we will delete that personal information. If you believe that we have collected information from an individual under the age of 13, please contact us at info@readycreditcorp.com.
DATA SUBPROCESSORS
We may contract with third-party service providers as data subprocessors to collect or process your personal information under our instruction. Service providers can perform many processing activities.
INTERNATIONAL ACCESS TO OUR SERVICES
We accept inquiries from international users. For users who reside in the European Economic Area, we follow the EU General Data Protection Regulation. For user who reside in the United Kingdom, we follow the UK General Data Protection Regulation. All inquiries regarding privacy from these users should be directed to info@readycreditcorp.com.
LINKS TO NON-COMPANY WEBSITES
Our Websites may contain links to third-party websites, services, or resources that are not covered under this Privacy Policy or our Terms of Service. Upon visiting or using those third-party websites, services, or resources, we recommend that you review their privacy policy, terms and conditions, and terms of use before providing your personal information.
TRANSFER OF CORPORATE ASSETS
If Company is acquired by or merged with a third-party entity, Company reserves the right to transfer or assign the personal information you provided to us as part of such merger, acquisition, sale, or other change of control to the new entity. In the event of bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditor’s rights generally, we may not be able to control how your personal information is processed.
CHANGES TO THIS PRIVACY STATEMENT
We reserve the right to update this Privacy Policy to accurately disclose changes as necessitated by applicable laws and other events. If those changes are material in nature, we will notify you by a notice placed on our Websites and/or by electronic mail.
CONTACT US
To ask questions or comment about this Privacy Policy and our privacy practices, contact us at via email to info@readycreditcorp.com and via mail to by Ready Credit Corporation, PO Box 46730, Eden Prairie, Minnesota 55344 USA.