Protecting Your Online Financial Privacy

OnlyMagicCard values your privacy. This Online Security and Privacy Policy pertains to your use of websites owned or operated by OnlyMagicCard, including any mobile applications (“Website”or “Websites”). If we make any changes to this Policy we will post the updated version to this website and identify the effective date of the revised Policy. We will protect the privacy of your personal and financial information. To safeguard your nonpublic personal information, we maintain physical, electronic and procedural safeguards that comply with federal regulations. We update and test our technology regularly to ensure we maintain commercially-acceptable standards in securing your financial privacy.

Collection of Information

When you visit our Websites, we may collect personally identifiable information about you, including but not limited to your name, your home or physical address, a social security number, your e-mail address, a telephone number, other identifiers that enable physical or electronic contact with you, and/or information concerning you that our Websites collect, which we may maintain in personally identifiable form in combination with any of the preceding information for tracking or marketing purposes. For more information about this, see the section entitled “Cookies.”

Third parties who assist in the operation of our Websites or who serve our ad banners to sites on which we have paid to advertise may collect such information from you for such purposes as fulfilling your online requests, processing your transactions or to gather anonymous user data, such as how many people clicked through a particular ad.

We have designed our systems to ensure that your Personal Identification Number (PIN), password and other access codes remain private and confidential. To further ensure your privacy, please do not share your PIN, password or other access codes with anyone other than joint account holders.

Sharing of Information

We may share this information with our affiliates and third parties for our, or our affiliates’, everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus; and for marketing our or our affiliates’ products or products offered jointly with another financial company, subject to choices you may make to limit this sharing, as specified in our Privacy Policy.

Changing or Updating Information

Customers who have established online accounts in order to view information and/or conduct transactions related to products or services offered by OnlyMagicCard may be able to review and update their personally identifiable financial information after securely logging in to our Website.

“Do Not Track” Signals

Our Websites do not accept web browser “Do Not Track” signals or similar mechanisms that may provide you the ability to exercise choice regarding the collection of personally identifiable information about your online activities over time and across third-party websites or online services we may use.

Retention of Information

The length of time we retain information varies depending on the product, service and/or the nature of the information. This period may extend beyond the end of your relationship with us.

Cookies

To provide better service and more effective Websites, we use "cookies” as part of our interaction with your browsers. A "cookie" is a small text file placed on your hard drive by our web server. Our cookies cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your e-mail address. Cookies are commonly used on websites and do not harm your system.

We use cookies on parts of our Websites where you need to register, such as online banking, or where you are able to customize the information you see. Recording a cookie at such points makes your online experience easier and more personalized.

We may also use cookies to record information regarding:

• Visitors' preferences.
• User sessions on our Websites.
• Which web pages users visit on our Websites.
• Past activity on a Websites in order to provide better service when visitors return, such as:
• to alert visitors to new areas that we think might be of interest to them when they return to our Website;
• to ensure that visitors are not repeatedly sent the same banner ads; and/or
• to customize web page content based on visitors' browser type or other information.

Our cookies do not collect personally-identifiable information, and we do not combine information collected through cookies with other personal information to determine your identity or e-mail address. We may combine Personal information with cookies for other purposes, such as tracking or marketing preferences. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. However, if you configure your web browser so that cookies are turned off, our website will not be able to process your transaction. If this happens, please turn your cookies back on and log onto our site again.

Web Beacons

A web beacon is a graphic image (such as a pixel tag or clear GIF) that is placed on a web page or in an e-mail message to monitor user activity (such as whether the web page or e-mail message is read or clicked). They are often invisible and may be very small in size. They are also used on many web pages for alignment purposes. We sometimes use web beacons to provide an independent accounting of how many people visit our Websites or to gather statistics about web browser usage on our Websites. Some of our web pages and HTML-formatted e-mail newsletters use web beacons in conjunction with cookies. It is difficult for you to limit the use of web beacons because there is no easy way to distinguish their use from alignment and other purposes. They may be loaded from a different web server than the rest of the page.

Protecting Children's Privacy Online

The safety of children online is very important to us. We do not knowingly collect Personal Information from children under the age of 13 online. If we become aware that we have inadvertently received Personal Information online from a user under the age of 13, we will attempt to delete the information as soon as possible. Because we do not knowingly collect Personal Information from children under the age of 13 online, we also do not knowingly distribute such information to third parties.

Security

Access to our systems containing Non-Personal Information or Personal Information is only provided to those employees and agents whom we determine need it for the purpose of providing products or services to you. We maintain physical, electronic and procedural safeguards that comply with applicable federal and state standards to protect your information. We use industry-standard security measures to protect your information so that it is not made available to unauthorized parties, including using Secure Socket Layer (SSL) technology for encryption and transmittal of information (including your personal Information) on or through our Websites. However, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, we cannot and do not guarantee or warrant the security of any information you transmit on or through our Websites, and you do so at your own risk.

Third-Party Advertisements

When browsing the Internet, you may see a banner ad for an OnlyMagicCard product or service. These ads may appear on non-OnlyMagicCard websites. We use third-party advertisement serving companies to serve our ad banners to sites on which we have paid to advertise. If you click on one of our ads, you will be directed to the OnlyMagicCard Website offering that particular product or service. Sometimes, these ads may contain web beacons or cookies to gather anonymous user data, such as how many people clicked through a particular ad. Our policy does not cover any use of information that a third-party advertisement-serving company may collect from you. The companies that distribute our ads are prohibited by contract from using information other than for the agreed-upon purpose, which is to help us market our products and services and to measure response rates.

Links to Third-Party Websites

We are not responsible for the information collection practices of the non-OnlyMagicCard links available on our website. We cannot guarantee how these third parties use cookies or whether they place on your computer cookies that may identify you personally. We urge you to review the privacy policies of each of the linked websites you visit before you provide them with any information.

Encryption

Your password, as well as all information relating to your accounts and your enrollment, are scrambled using some of the strongest forms of encryption commercially available for use over the World Wide Web.

How does encryption work?

Everything that travels through the Internet during your online banking session, from your password to online bill pay, becomes a string of unrecognizable numbers (also known as algorithms) before entering the Internet. Both OnlyMagicCard's computers and the browser you use to surf the Web understand the mathematical formulas, called algorithms, which turn your banking session into numeric code, and then back again into meaningful information.

These algorithms serve as locks on the doors of your account information. While OnlyMagicCard and your computer can easily translate this code back to meaningful language, this process is nearly impossible to decipher by unauthorized intruders. These complex algorithms are randomized in such a way that billions of attempts would need to be conducted to crack a single formula. Each time you begin an online banking session, your computer and OnlyMagicCard's systems agree on a random number that serves as the key for the rest of the session. Your browser’s encryption settings will most likely determine the algorithm.

OnlyMagicCard ensures that all OnlyMagicCard online banking sessions via the Internet are encrypted. If for any reason your secure session ends, your Online Banking session terminates.

For maximum protection, OnlyMagicCard encourages you to use browsers offering 256-bit encryption. This is also known as high or strong encryption. It means there are 2 to the 256th power possible keys that could fit into the lock that holds your account information. In other words, a hacker attempting to get to your account information would need to use a computer with exponentially more processing power than for 40-bit or 56-bit encryption to find the correct key.

All browsers provide detailed information on encryption and other forms of security. Consult your browser’s security options for more information.

How do I know if my banking session is encrypted?

You can determine if encryption is being used on a given web page by looking for a padlock icon. This is one example:

Padlock icons vary in design and color. Generally, padlock icons are displayed on the address bar, menu bar, status bar, tab or other areas of your browser, depending on the device used (desktop or laptop tablet or smart phone) and the type of browser used (e.g. Internet Explorer, Safari, Google Chrome, etc).