Website Privacy Policy

This Privacy Policy describes BMG Money, Inc. ("BMG", "we" or "us") policies and procedures on the collection, use and disclosure of your information on www.bmgmoney.com (the "Site"). We want you, our customer, to understand how we collect and use data about your Site visit, particularly the portions of the Site that require you to register and/or log in to gain access. The Privacy Policy below identifies what information the Site collects, and how it is used. If you apply for or obtain a financial product or service through our Site, how we collect and use data about you is described in our Privacy Notice.

Information Collection

By registering and using the Site, you voluntarily and willingly provide us certain information, including personally identifiable information, which is collected to provide you with services. We collect personal and financial information while you use the Site, and most of this collection occurs during registration and the loan application process. If you have any hesitation about providing us with information, which may be used in the manners permitted in this Privacy Policy and the Terms of Use, you should not register, or use services on the Site, or access our Site; if you are already registered, you should close your online account.

Anonymous Information. We may collect two types of information through this Site: anonymous information and personally identifiable information. Anonymous data regarding the use of the Site does not identify individual users by itself or in combination with other information. The anonymous data we collect can include information such as the type of browser you are using, IP address, geographical location, the pages you view, and the length of your visit to the Site. We gather this anonymous information to improve the performance of the Site, the services provided through our Site, and the information we provide. The linkage between your IP address and your personally identifiable information is not shared with third parties without your permission, except as described in this Privacy Policy.

Personally Identifiable Information. You may also be asked to provide personally identifiable information ("PII") on the Site, which may include, but is not limited to, your name, address, telephone number, date of birth, social security number, employer name, and email address. This information can be gathered when you send us an email, or when you complete the specific web page registration form, or the loan application. In all cases, you choose whether to provide your PII, but without the requested PII, certain portions of the Site may not be available to you, or we may not be able to effectively respond to your inquiries.

My Account. In order to use the Site, you must provide us the following information to create an account: your first and last name, your email address, phone number, and a password. Like other passwords, you should choose one that is known only by you. We will also collect your birth date, which is used to determine whether you are of legally sufficient age to use services on the Site. We may also ask you to provide additional personal information. This additional information may include existing account numbers, social security number, bank account numbers and so forth.

Surveys and Feedback. If you voluntarily submit information to us, including survey participation, feedback, and information request responses, we will collect the information you submit. In each case, you will know the data we collect, because you have actively submitted it. We will use the data you voluntarily submit to us for the purposes we describe in this Privacy Policy, as well as any purposes that we describe to you when we collect such information.

Cookies

If you visit our Site, we may place a small data file on your computer (often called a "cookie") when you login to identify and enhance your web usage on our Site. In addition, we may use cookies to display relevant advertising or recommendations to you when you visit our Site. You are free to decline cookies, but by doing so, you may not be able to use certain features on the Site, or take full advantage of all of our offerings. Check the "Help" menu of your browser to learn how to change your cookie preferences.

Do Not Track Signals

Many web browsers possess a do-not-track feature that lets your browser tell websites you visit that you do not want to have your online activities tracked. At this time, our website does not respond to browser do-not-track signals.

Use And Disclosure Of Information

Affiliate and Non-Affiliate Use

The personal information we collect comes from the following sources:

Information we receive from you, such as your name, address, and telephone number;
Information about your transactions with us, such as your loan balances, payment history, and loan activity; and
Information we receive about you from other sources, such as your employer or other third parties.

We may disclose any of the above information that we collect to affiliates and nonaffiliated third parties as described below.

Affiliates to Whom We May Disclose Personal Information

Our affiliates are the family of companies controlling, controlled by, or under common control with BMG. We may disclose your personal information to affiliates in several different businesses, including banking, consumer finance, insurance and securities. Our affiliates include those doing business under the BMG name, such as LoansAtWork. Our ability to share information with our affiliates may help us provide products and services to you because such affiliates may assist in the delivery of products and services to you. We do not share your information with our affiliates for them to market to you, or for their purposes, however, if such sharing involves the marketing of our products and services to you, it may include joint marketing between BMG and one of our financial services affiliates.

Nonaffiliated Third Parties to Whom We May Disclose Personal Information

Nonaffiliated third parties are those not part of the family of companies controlling, controlled by, or under common control with BMG. We may disclose personal information (except your account number and/or access codes) about you to the following types of nonaffiliated third parties: (1) Financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities, and insurance businesses; and (2) Non-financial companies, such as companies engaged in direct marketing, or any service providers which directly assist in the delivery of financial services.

Uses by BMG. BMG may use the personal information you provide through the Site in a manner that is consistent with this Privacy Policy and as permitted by law. We use the information collected through the Site for statistical purposes, for improving the Site, for providing services, and for marketing.

We may disclose PII in order to respond to a subpoena, court order, law enforcement agency request, or as required by law. We may also disclose your personal information to third parties as permitted by law, such as disclosures necessary to process and service your loan or loans, to protect against fraud, and to protect the security or confidentiality of our records.

We may provide your PII to a third party if we file for bankruptcy, or there is a transfer of our assets or ownership in connection with proposed or consummated corporate reorganizations, such as mergers, acquisitions or sales of business units.

We may use anonymized information for any reason in our discretion.

Uses by Third Parties. We do not provide your PII to third parties for their marketing purposes, whether obtained through a short code program or otherwise. We may, however, provide your PII to third party companies for the sole purpose of the delivery of financial products and services to you.

Information Security

We take reasonable steps to protect the personal information submitted to us, both during transmission and once it is received. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security. You are responsible for maintaining the confidentiality of your login information, including username and password. You are responsible for all uses of your password, whether or not authorized by you. You must inform us immediately of any unauthorized online access of your username or password.

Other Websites

Please be aware that our Site may contain links to other sites on the Internet that are owned and operated by third parties. The information practices of linked websites are not covered by this Privacy Policy. BMG is not responsible for the privacy policies of the websites to which this Site links. If you provide any information to third parties, different rules regarding the collection and use of your PII may apply. We strongly suggest you review third party privacy policies before providing your personal information.

Children

BMG understands the importance of protecting children’s privacy in the online world. The Site covered by this Privacy Policy is neither designed for, nor intentionally targeted to children 17 years of age or younger. It is not our policy to intentionally collect or maintain information about anyone 17 years of age or younger.

Inquiries

You are responsible for ensuring that the personal information you have submitted or access through the Site is accurate and complete. Please contact us immediately if you notice suspicious account activity, or changes to your profile you did not request.

Please feel free to contact us with any comments, questions or suggestions you might have regarding the information practices described in this Privacy Policy. You may contact us from the Contact Us menu within the Site, or write to us at:

444 Brickell Avenue, Suite 250

Miami, FL 33131

Attn: Web Privacy Policy

If you wish to modify or update any information we have received, please contact us at: profile@bmgmoney.com. To request a Google Play App Deletion, please visit us at: Google Play Account Deletion

Modification Of The Web Privacy Policy

We reserve the right to modify this Privacy Policy at any time, and at our sole discretion. When we make changes to this Privacy Policy, we will alert you that changes have been made by indicating the date the Privacy Policy was last updated. When you visit our Site, or use our services, you are accepting the current version of this Privacy Policy as posted on the Site. We encourage you to frequently review the Privacy Policy for any modifications.

State Privacy Disclosures

CCPA Data or Data Deletion Request

Last updated October of 2023

This California Consumer Privacy Act (“CCPA”) privacy policy notice explains how BMG Money, Inc. (“BMG”) collects, uses and discloses personal information relating to California residents covered by the CCPA. Under the CCPA, “Personal Information” is information that identifies, relates to, or could reasonably be linked with a particular California resident or household, unless an exception applies.

Personal information does not include publicly available information or information that has been de-identified. The CCPA also does not apply to certain other types of information, such as information subject to the privacy provision of the Gramm-Leach-Bliley Act (“GLBA”) or the Fair Credit Reporting Act (“FCRA”). Most of the information that BMG collects is subject to the GLBA or the FCRA or does not identify a particular consumer or household. As a result, most of the information that BMG collects is not subject to the CCPA, and this notice does not apply to such exempted information. For more information about how we collect, disclose and secure GLBA information, please refer to our GLBA Privacy Notices

Collection of Personal Information

In the past 12 months, we have collected for our business purposes, the following categories of Personal Information relating to California residents:

Identifiers, which include your first and last name, email address, home or other mailing and billing addresses, driver’s license number or state-issued ID number, passport number or other information that could reasonably be used to identify you personally;
Commercial information, which includes records of personal property; products or services purchased, obtained, or considered; account balances and payment history;
Biometric information, which includes facial scans;
Information relating to Internet activity or other electronic network activity, which includes cookie identifiers, tracking pixels containing an ID number, online tracking technology, browser software, your computer’s operating system and/or other device characteristics;
Geolocation data, which includes GPS data; locational information based upon your IP address; cell network data and other similar locational data;
Audio, electronic, or visual information, which includes records of calls to or from our customer service centers;
Professional or employment related information, which includes, personnel records and payroll records;
Information not listed above and related to characteristics protected under California or federal law; which includes gender and race and ethnicity (indirectly through your state-issued ID or passport); military service/veteran status; age and date of birth;
Other personal information not listed above and described in California Civil Code Section 1798.80(e), which includes signature; physical characteristics or description; and other financial information; and
Inferences about you drawn based on the above data collected, such as your preferences, characteristics or behaviors.

Much of the information collected is exempted from the CCPA as described above.

Sources from which Personal Information is Collected

The categories of sources from which we collected this Personal Information are:

Directly from a California resident or the individual’s representatives
Service providers, consumer data resellers and other third parties
Internet providers, data analytics providers and operating platforms
Public record sources (federal, state or local government sources)
Information from employers and financial institutions
Information from our affiliates
Website, mobile app and social media activity

Third Parties with whom Personal Information is Shared for Business Purposes

In the past 12 months we have disclosed personal information of California consumers for a business purpose. The categories of third parties to whom we disclosed Personal Information for our business purposes are:

Vendors and service providers who provide services such as website hosting, data analysis, payment processing, information technology and related infrastructure, customer service, email delivery, auditing, marketing and marketing research activities
Third parties who provide services such as payment, banking and communication infrastructure, storage, legal expertise, tax expertise, and auditors, who promote financial services and products that we or banking partners offer to customers and applicants
Other third parties who enable customers to conduct transactions online and via mobile devices, support mortgage and fulfillment services, vehicle loan processes and aggregators (at the direction of the customer)
Government agencies as required by laws and regulations

Use and Retention of Personal Information

In the past 12 months we have used Personal Information relating to California residents to operate, manage and maintain our business, to provide our products and services or to provide access to the products and services of banks that issue through our platform, and to accomplish our business purposes and objectives, including the following:

Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling transactions, verifying customer information, processing payments, providing or working with WebBank to facilitate financing, providing analytic services, providing marketing services, or providing similar services.
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.
Short-term, transient use where the information is not disclosed to a third party and is not used to build a profile or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction.
Auditing related to a current interaction and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
Undertaking activities to verify or maintain the quality or safety of a service controlled by us, and to improve, upgrade, or enhance the service controlled by the business.
Debugging to identify and repair errors that impair existing intended functionality.
Undertaking internal research for technological development and demonstration.
Complying with laws and regulations and to comply with other legal process and law enforcement requirements (including any internal policy based on or reflecting legal or regulatory guidance, codes or opinions).

Additionally, in the past 12 months we have used certain sensitive personal information ("Sensitive Information”) relating to California residents to operate, manage and maintain our business, to provide our products and services or to provide access to the products and services of banks that issue through our platform, and to accomplish our business purposes and objectives, including the following Sensitive Information:

A consumer’s social security, driver’s license, state identification card, or passport number
A consumer’s precise geolocation
A consumer’s union membership
Biometric information for the purpose of uniquely identifying a consumer

Under the CCPA, we are not required to provide a right to limit the use or disclosure of such Sensitive Information as it is exempt.

We do not sell or share personal information, including, but not limited to, Sensitive Information as described above; and/or information of consumers under 16 years of age, to third parties.

We intend to retain each category of personal information, including Sensitive Information, for each disclosed purpose for which the personal information or Sensitive Information was collected for no longer than is reasonably necessary for that disclosed purpose or for so long as required by applicable law, whichever is longer.

Rights under the CCPA

The CCPA provides consumers (California residents) with specific rights regarding their personal information that is subject to the CCPA and not subject to an exemption from the CCPA.

Right to Request Disclosure of Collected, Used or Disclosed Personal Information. You have the right to request that we disclose to you certain of your Personal Information that is collected, used and disclosed to third parties.

If you make a right to know request, you have the right to request certain of the following information:

Categories of your personal information that we have collected;
Categories of your personal information that we have disclosed to third parties;
Categories of sources from which your personal information is collected;
Business or commercial purpose for collecting, disclosing, selling, or sharing your personal information;
Categories of third parties with whom we disclose, sell, or share your personal information; and
Specific pieces of your personal information that we have collected.

This information will be provided free of charge, unless we determine that your request is manifestly unfounded or excessive. You may request this information twice in a 12-month period. This right to access is subject to certain restrictions

Right to Request Deletion. You have the right to request that we delete certain of your Personal Information about you that we have collected from you upon receipt of a verifiable request. This right is subject to the same exceptions as for the right to access requests.

Right to Request Correction. You have the right to request that we correct certain non-exempt inaccurate Personal Information about you.

Right to Limit the Use or Disclosure of Sensitive Personal Information. You have the right in certain circumstances to limit the use or disclosure of sensitive personal information. As noted above, the Sensitive Information collected by BMG is not subject to this right.

Submitting Requests. You can submit your request by calling us at 800-316-8507 or by visiting CCPA Data or Data Deletion Request. We will acknowledge receipt of your request and advise you how long we expect it will take to respond if we are able to verify your identity.

Verifying Requests and Authorized Agents. To verify a California consumer’s identity, we may request up to three pieces of Personal Information about you when you make a request to compare against our records. We cannot respond to your request or provide you with Personal Information if we cannot verify your identity.

An authorized agent may submit a request on your behalf. If an authorized agent submits a request on your behalf, we may require proof of authorization and verification of identity directly from you. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in your request to verify your identity. We reserve the right to take additional steps as necessary to verify the identity of California Consumers where we have reason to believe a request is fraudulent.

In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where an exception applies, such as where the disclosure of Personal Information would adversely affect the rights and freedoms of another consumer or where the Personal Information that we maintain about you is not subject to the CCPA’s access or deletion rights.

We will advise you in our response if we are not able to honor your request. We will not provide social security numbers, driver’s license numbers, or government issued identification numbers, financial account numbers, health care or medical identification numbers, account passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft or fraud or unreasonable risk to data or systems and network security.

Right to Non-Discrimination. We will not discriminate against you because you exercised any of your rights, including, but not limited to, by:

Denying products or services to you.
Charging different prices or rates for products or services, including through the use of discounts or other benefits or imposing penalties.
Providing a different level or quality of products or services to you.
Suggesting that you will receive a different price or rate for products or services or a different level or quality of products or services.

Questions. If you have questions or concerns regarding the above practices and your rights under the CCPA, please contact us by phone at 800-316-8507 or by email at customer.service@bmgmoney.com.

Changes to This CCPA Data or Data Deletion Request

We may change or update this CCPA Privacy Policy Notice from time to time. When we do, we will post the revised CCPA Privacy Policy on this page with a new “Last Updated” date.