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Privacy Policy

  • MEEDTRAVEL™ TERMS AND CONDITIONS

    Effective: May 2019

    The following Terms and Conditions (“Terms”) apply for the MeedTravel program (“Travel Program”) of the Meed Banking Club:

    1.         Your Contract with Us

    In this document, you will find the following terms: 

    "You," "Your," or "Customer" refers to a Meed Banking Clubmember who is enrolled in the MeedTravel featureof the Meed Banking Club. 

    “Meed," "We," "Us," or "Our," refers to GO Fintech, LLC d/b/a Meed. 

    The following definitions cover capitalized words used in this document: 

     

    Affiliates 

    The parents, subsidiaries, and related companies of Meed, Your Member Financial Institution, and each of their respective service providers. 

    Cash Back 

    Cash Back you earn for travel, hotels, rental cars etc. from a Participating Travel Company paid for by using your Meed Visa debit card and booked through the MeedTravel program up to 10 of the amount paid for Qualified Purchases.

    Debit Card 

    The Meed Visa Debit Card provided through Your Member Financial Institution as part of your membership in the Meed Banking Club. 

    Meed App

    The Meed Banking Club mobile application. 

    Member Financial Institution

    The financial institution with which You have Your individual Meed Banking Club accounts. 

    Participating Travel Company(s) 

    Travel companies that participate in the Travel Program.

    Qualifying Travel Purchase(s) 

    Purchases of travel, hotels, rental cars etc. from Participating Travel Companies that are booked through the Meed App and paid for by using your Meed Visa Debit Card.

    What You Agree To 

    By using Your Debit Card, You agree that You must follow the Terms. You further agree that You: 

    1. Have the right, authority, and ability to agree to these Terms.
    2. Have read and understand the complete Terms. 
    3. You also agree that We may: 

    4. Access past and future travel purchases You make on Your Debit Card. 
    5. Use this information to send You offers and messages based on Your purchase behavior or other conditions. 

     

          2.         Who Offers the Program

    1. Meed Banking Club offers the Meed Travel Rewards Program, and Snowstorm Technologies manages and operates the Travel Program. By agreeing to these Terms, You understand that: 

    2. Snowstorm Technologies and the Participating Travel Companies have separate agreements.
    3. We may receive fees from certain Participating Travel Companies and/or Snowstorm Technologies.
    4. Meed is a travel booking portal.  Meed does not itself provide, sell, or book travel services. Rather, Meed serves as a portal through which subscribers are able to book travel services through Snowstorm Technologies and its travel suppliers (“Participating Travel Companies”). All payments for bookings and bookings/reservations are managed through Snowstorm Technologies via their booking engines.

      3.         How You Earn Cash Back  

      You earn Cash Back when You make a Qualifying Travel Purchase. You are automatically enrolled in the Program when You join Meed Banking Club. 

      4.         Overview and Limitations 

      Meed does not have any ownership interest in Snowstorm Technologies, Your Member Financial Institution, or any of the Participating Travel Companies associated with or listed in the Travel Program.Meed is not responsible for and does not guarantee the accuracy, comprehensiveness, omissions, or inclusions in any results available through Snowstorm Technologies. Participating Travel Companies may have their own terms and conditions and privacy policies that apply to the travel services they provide and may require You to agree to their terms and policies as a condition of receiving their services. Meed encourages You to read the respective supplier's terms and conditions and policies before booking your travel/travel services.

      5.         Offer Availability 

      The Participating Travel Companies can withdraw, change, or be replaced by Snowstorm Technologies from participation through the Meed App at any time and for any reason without notifying You. 

      6.         Cash Back  

      A Meed subscriber is eligible to receive Cash Back on its Meed Visa Debit Card by booking travel with a Participating Travel Company through the Meed App and paying for the travel by using the Meed Debit Card.  

      Cash Back from a Participating Travel Company is not available in connection with: 

    5. Any purchases through the Meed App for travel made that are not paid for on the Meed Visa Debit Card of a subscriber.
    6. Any purchases for travel from other than a Participating Travel Company. 

     

    7.         Geographic Conditions 

    Some products or services may be subject to geographic conditions and may not be available in Your area. 

    Please view the available offer(s) on the Meed App to see all Participating Travel Companies and their limitations. You will receive additional terms and conditions on Cash Back at the time of booking Qualifying Travel Purchases through the Meed App. 

    8.         How to Earn Cash Back

    You may earn Cash Back when You or your friends and family make Qualifying Travel Purchases from a Participating Travel Company through the Meed App provided payment is made on your Meed Visa Debit Card. 

    Any additional terms and conditions will be disclosed to you at the time you book travel through the Meed App. 

    When using Your Debit Card for these transactions, You will receive Cash Back on the Qualifying Travel Purchases of travel booked with Participating Travel Companies through the Meed App and paid for on your Meed Visa Debit Card.  

    9.         Cash Back Calculations 

    1. Net Purchases: You can only earn Cash Back on Your net purchases (purchases minus returns/credits).
    2. Reversals: We may reverse any Cash Back for the appearance of fraud or abuse.
    3. Additional Charges: We may not consider taxes, fees, and shipping/handling charges as part of a Qualifying Travel Purchase. These expenses may not earn Cash Back.
    4. Participating Travel Companies: You are entitled to Cash Back only for travel purchased from Participating Travel Companies booked through the Meed App and paid for on Your Meed Visa Debit Card. 

     

    10.       When You Receive Cash Back 

    You will not immediately receive the Cash Back you earn on a Qualifying Travel Purchase. Participating Travel Companies can have up to ninety (90) days after the date of the booking/transaction to process Cash Back.

    Please note Participating Travel Companies' policies vary for how frequently they report transactions. As a result, some Cash Back earned for Qualifying Travel Purchases may take longer than others to appear in Your Meed Banking Club Account.

    11.       Cancellations

    You will not receive Cash Back if the travel is cancelled. Whether Your travel can be cancelled with a refund of part or all of the amounts paid credited to your Meed Visa Debit Card depends on the policies of the Participating Travel Companies or Snowstorm Technologies.

    12.       Account Closure 

    You will forfeit all Cash Back that has not processed and been paid into Your Meed Banking Club account at the time of closure of Your account. 

    13.       Taxes 

    Cash Back may qualify as taxable income to You. When laws require Us to do so, We will report Your Cash Back value as income to the Internal Revenue Service, as well as state and local tax authorities. By using the Program, You are responsible for paying any federal, state, or local taxes You owe, or other connected fees or gratuities. If You have questions about Your tax liability, please consult Your tax advisor.  

    14.       Additional Terms and Conditions 

    Changes/Updates to the Terms and Conditions 

    At any time and for any reason, in whole or in part, We can change any of these Terms, or amend, cancel, or temporarily suspend the Program feature or Your participation in it. We can make these changes in Our sole discretion for reasons including but not limited to: 

    1. The appearance of fraud or abuse.
    2. Your violation of these Terms.  
    3. If We change the Terms, the MeedTravel Program, or Your ability to participate in the MeedTravel Program this action may: 

    4. Decrease the Cash Back value. 
    5. Cancel Your ability to earn Cash Back.
    6. We will give You advance written notice of any material changes to these Terms. 

      15.       Communication Between You and Us 

       

      We have a variety of reasons and channels for communicating with You. 

       

      16.       Missing Cash Back

       

      For Qualifying Travel Purchases, You should receive Your Cash Back within 90 days after the date of the booking/transaction(“Review Period”). 

       

      If You do not receive Your expected Cash Back after the Review Period, You must file a claim using the following process: 

       

    7. Call your Member Bank’s customer service team at 833-213-6333 within 60 days of the end of the Review Period. 
    8. Provide the necessary documentation concerning the purchase You believe should have resulted in Cash Back, specifically:
      1. Your Name 
      2. Participating Travel Company
      3. Purchase Date
      4. Order ID/Receipt Number/Confirmation Number
      5. Subtotal Amount (No taxes, fees, etc.)
    9. If You do not call within 60 days after the end of the Review Period, You automatically waive Your right to the Cash Back claim. 

       

      After We complete an investigation, We will report the results to You. Once You receive Our decision, We have no further responsibility to the claim if You submit it to Us again. 

       

      17.       Changing Contact Information 

       

      You must maintain Your contact information on the Meed App. 

       

      18.       Receiving Program Feature Bulletins 

       

      As part of the Meed program You consent to receive bulletins (including e-mail and electronic “push” notifications or SMS messages) regarding offers by Participating Travel Companies. You may unsubscribe to notifications at any time.  

       

      19.       Severance 

       

      If any court of law deems any of the MeedTravel Program terms or provisions to be unlawful, We will revise the provisions to be lawful; meanwhile, the rest of the terms will remain in effect. Offers made may not remain valid where restricted by law. 

       

      20.       Rights Ownership 

       

      The respective owners have exclusive and sole property to all of their right, title, and interest in all: (A) logos, (B) registered of common law marks, (C) service marks, (D) trademarks. 

       

      The Meed App and its content is protected by copyright, patents, trademarks, and other intellectual property rights and laws. 

       

      The protection provided by the rights covers, without limitation, graphics, illustrations, images, information, logos, moving images, other materials, photographs, software and source codes connected with the Meed App, sound, and text. 

       

      21.       About Cookies 

       

      We use cookies to track Your traffic on the Meed App. A cookie is a piece of data that is stored on Your device. It enables You to navigate freely on the Meed App, among other things. Cookies from links you select to accept Online Offers will track where You visited or shopped, and when You left for another website. 

       

      22.       Dispute Resolution / Arbitration 

       

      This section (“Arbitration Provision”) constitutes the arbitration agreement between You and Us and includes a mutual waiver of class action rights. This Arbitration Provision governs disputes concerning (1) interpretation of these Terms (including this Arbitration Provision and whether a disagreement is a “dispute” subject to binding arbitration as provided for in this Arbitration Provision); (2) the Program; or (3) the Program’s related services or matters (collectively and each a “Covered Dispute(s)”). 

       

      A.         Non-judicial resolution of disputes 

       

      You and We agree that any Covered Dispute between or among You and Us, regardless of when it arose, will, upon demand by either You or Us, be resolved by the following arbitration process. You understand and agree that You and We are each waiving the right to a jury trial or a trial before a judge in a public court. As an exception to this Arbitration Provision, both You and We retain the right to pursue in small claims court in the state where You reside any dispute that is within that court's jurisdiction.

       

      B.         Definition of disputes 

       

      A dispute is any unresolved disagreement between or among You and Us. It includes claims based on broken promises or contracts, torts (injuries caused by negligent or intentional conduct), or other wrongful actions. It also includes statutory, common law, and equitable claims. A dispute also includes any disagreement about the meaning of this Arbitration Provision, and whether a disagreement is a "dispute" subject to binding arbitration as provided for in this Arbitration Provision.

       

      C.         Binding arbitration; waiver of class action rights; severability 

       

      Binding arbitration is a means of having an independent third party resolve a Covered Dispute without using the court system, judges or juries. Either You or We may require the submission of a Covered Dispute to binding arbitration at any reasonable time notwithstanding that a lawsuit or other proceeding has been commenced. If either You or We fail to submit to binding arbitration following a lawful demand, the one who fails to so submit bears all costs and expenses (including attorney's fees and expenses) incurred by the other in compelling arbitration.

       

      Neither You nor We will be entitled to join or consolidate Covered Disputes by or against others in any arbitration, or to include in any arbitration any Covered Dispute as a representative or member of a class, or to act in any arbitration in the interest of the general public or in a private attorney general capacity.

       

      Each arbitration, including the selection of the arbitrator will be administered by the American Arbitration Association ("AAA"), or such other administrator as You and We may mutually agree to (the AAA or such other mutually agreeable administrator to be referred to hereinafter as the "Arbitration Administrator"), according to the Commercial Arbitration Rules and the Supplemental Procedures for Consumer Related Disputes ("AAA Rules"). To the extent that there is any variance between the AAA Rules and this Arbitration Provision, this Arbitration Provision will control.  Arbitrator(s) must be a member of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter of the Covered Dispute.

       

      You and We each agree that in this relationship (1) You and We are participating in transactions involving interstate commerce; (2) The arbitrator shall decide any dispute regarding the enforceability of this Arbitration Provision; and (3) Each arbitration is governed by the provisions of the Federal Arbitration Act (Title 9 of the United States Code), and, to the extent any provision of that Act is inapplicable, unenforceable or invalid, the laws of the state of Oklahoma.

       

      To find out how to initiate an arbitration, please call any office of the AAA or visit the AAA website at www.adr.org.

       

      If any of the provisions of this arbitration agreement dealing with class action, class arbitration, private attorney general action, other representative action, joinder, or consolidation is found to be unlawful or unenforceable, that invalid provision shall not be severable and this entire arbitration agreement shall be unenforceable.

       

      D.        Rights preserved 

      This Arbitration Provision and the exercise of any of the rights You and We have under this Arbitration Provision do not stop You or Us from exercising any lawful rights to use other remedies available to preserve, foreclose, or obtain possession of real or personal property; exercise self-help remedies, including setoff and repossession rights; or obtain provisional or ancillary remedies such as injunctive relief, attachment, garnishment, or court appointment of a receiver by a court having jurisdiction.

      24.       Limitation of Liability

      IN NO EVENT SHALL THE AGGREGATE LIABILITY OF THE ENTITIES EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS (U.S. $100.00) OR THE AMOUNT YOU PAID FOR DURING THE PRIOR TWELVE (12) MONTHS FOR YOUR SUBSCRIPTION TO THE MEED BANKING CLUB. THE LIMITATIONS OF THIS SUBSECTION SHALL APPLY TO ANY THEORY OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, STATUTE, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, AND WHETHER OR NOT THE ENTITIES HAVE BEEN INFORMED OF THE POSSIBILITY OF ANY SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. 

      25.       Indemnification

      If anyone brings a claim against Us related to Your actions, content or information on Meed, You will indemnify and hold Us harmless from and against all damages, losses, and expenses of any kind (including reasonable legal fees and costs) related to such claim. You agree to release, indemnify and hold Meed and each of their respective parents, subsidiaries, affiliates, and the officers, directors, employees, agents and representatives of each of them (collectively, the "Meed Entities") harmless from any and all claims, losses, liabilities, damages, suits, actions, costs, penalties and demands arising out of or relating, directly or indirectly, to: (1) Your access to and/or use of a Website or any component of a Website (including, without limitation, the Website Content), (2) Your violation of any of the terms and conditions of this Agreement; and/or (3) the infringement by You, or any third party using Your account, of any intellectual property or other right of any person or entity. You agree that Meed may assume the exclusive defense and control of any matter for which You are required to indemnify Meed and You agree to cooperate, at Your cost, with Our defense of these claims. You agree not to settle any matter without the prior written consent of Meed.

      26.       Disclaimer

      Although We provide rules for user conduct, We do not control or direct users' actions on Meed and are not responsible for the content or information users transmit or share on Meed. We are not responsible for any offensive, inappropriate, obscene, unlawful or otherwise objectionable content or information You may encounter on Meed. We are not responsible for the conduct, whether online or offline, of any user of Meed.

      WE TRY TO KEEP THE APP UP, BUG-FREE, AND SAFE, BUT YOU USE IT AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE ARE PROVIDING THE APP “AS IS” AND “AS AVAILABLE” WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE APP WILL ALWAYS BE SAFE, SECURE OR ERROR-FREE OR THAT THE APP WILL ALWAYS FUNCTION WITHOUT DISRUPTIONS, DELAYS OR IMPERFECTIONS. WE ARE NOT RESPONSIBLE FOR THE ACTIONS, CONTENT, INFORMATION, OR DATA OF THIRD PARTIES, AND YOU RELEASE US, OUR DIRECTORS, OFFICERS, EMPLOYEES, SUPPLIERS AND AGENTS FROM ANY CLAIMS AND DAMAGES, KNOWN AND UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY CLAIM YOU MAY HAVE AGAINST ANY SUCH THIRD PARTIES. WE ASSUME NO LIABILITY ARISING FROM ANY MATERIAL OR IMMATERIAL BREACH OF CONFIDENTIALITY, SHARING, COLLABORATION, EXCHANGES, CHAT AND ANY OTHER MEANS OF COMMUNICATION NOT ONLY INVOLVING CONVERSATIONS BUT ALSO INVOLVING FILES AND INFORMATION SHARED FOR TRAVEL PURPOSES. WE MAKE NO REPRESENTATION OR WARRANTY THAT: (1) THE WEBSITE OR ANY COMPONENT OF THE WEBSITE WILL BE COMPATIBLE WITH YOUR COMPUTER, MOBILE OR OTHER DEVICE AND/OR SOFTWARE; (2) THE WEBSITE OR ANY COMPONENT OF THE WEBSITE WILL BE AVAILABLE OR WILL FUNCTION WITHOUT INTERRUPTION OR ERROR; (3) THE USE OF THE WEBSITE OR ANY COMPONENT OF THE WEBSITE, INCLUDING, WITHOUT LIMITATION, THE BROWSING AND DOWNLOADING OF ANY INFORMATION OR MATERIAL, WILL BE FREE OF ANY VIRUSES, TROJAN HORSES, WORMS OR OTHER DESTRUCTIVE, INTRUSIVE OR DISRUPTIVE COMPONENTS; (4) THE TRANSMISSION OF INFORMATION TO AND FROM THE WEBSITE WILL BE SECURE; OR (5) THE USE OF THE WEBSITE OR ANY COMPONENT OF THE WEBSITE WILL NOT CAUSE ANY DAMAGE TO YOUR COMPUTER, MOBILE OR OTHER DEVICE, SOFTWARE OR ELECTRONIC FILES.

      ANY PRODUCTS AND/OR SERVICES DESCRIBED ON THE WEBSITE ARE OFFERED ONLY IN JURISDICTIONS WHERE THEY MAY BE LEGALLY OFFERED FOR SALE. THE INFORMATION AVAILABLE ON THE WEBSITE IS NOT AN OFFER OR SOLICITATION BY ANYONE IN ANY JURISDICTION IN WHICH AN OFFER OR SOLICITATION CANNOT LEGALLY BE MADE, OR TO ANY PERSON TO WHOM IT IS UNLAWFUL TO MAKE A SOLICITATION.

      TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE ENTITIES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOOD​WILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (1) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (2) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES, INCLUDING WITHOUT LIMITATION, ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES; (3) ANY CONTENT OBTAINED FROM THE SERVICES; OR (4) UNAUTHORIZED ACCESS, USE OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.

      WITHOUT LIMITING ANY OTHER PROVISION(S) OF THIS AGREEMENT, YOU ACKNOWLEDGE AND AGREE THAT HAS NO OBLIGATION WHATSOEVER UNDER THIS AGREEMENT OR OTHERWISE TO CORRECT ANY DEFECTS OR ERRORS IN THE WEBSITE, REGARDLESS OF WHETHER YOU INFORM OF SUCH DEFECTS OR ERRORS OR OTHERWISE IS, OR BECOMES AWARE OF, SUCH DEFECTS OR ERRORS.

      COMMENTS OR OPINIONS EXPRESSED ON THE WEBSITE ARE THOSE OF THE RESPECTIVE USERS ONLY. COMMENTS OR OPINIONS EXPRESSED ON THE WEBSITE DO NOT NECESSARILY REPRESENT OR REFLECT THE VIEWS OF . THE ENTITIES ARE NOT RESPONSIBLE FOR, AND DISCLAIM ALL LIABILITY IN RELATION TO, ANY AND ALL USER CONTENT POSTED, UPLOADED OR OTHERWISE SUBMITTED TO OR THROUGH THE WEBSITE.

      27.       Miscellaneous

       

      You and We each agree to take all steps and execute all documents necessary for the implementation of arbitration proceedings. The arbitrator may hear and rule on appropriate dispositive motions as part of the arbitration proceeding, such as motions for judgments on the pleadings, summary judgment, or partial summary judgment. The AAA, the arbitrators, You and We, must, to the extent feasible, take any necessary action to ensure that an arbitration proceeding, as described in this Arbitration Provision, is completed within 180 days of filing the Covered Dispute with the AAA.  These parties must not disclose the existence, content, or results of the arbitration, except for disclosures of information required in the ordinary course of business or permitted by applicable law or regulation. This provision will be liberally construed in order to ensure the enforcement of this Arbitration Provision.  Arbitration proceedings are conducted in the state where You reside or at a location determined by the AAA.

       

      All statutes of limitations applicable to any Covered Dispute apply to any arbitration between You and Us. The provisions of this Arbitration Provision will survive termination, amendment, or expiration of Your participation in the Program or any other relationship between You and Us.  This Arbitration Provision constitutes the entire agreement between You and Us related to arbitration of a Covered Dispute and supersedes all prior arrangements and other communications concerning dispute resolution.

       

      28.       Fees and expenses of arbitration 

       

      Arbitration fees shall be determined by the rules or procedures of the Arbitration Administrator, unless limited by applicable law. Please check with the Arbitration Administrator to determine the fees applicable to any arbitration You may file. If the law applicable to this Agreement limits the amount of fees and expenses to be paid by You, then no allocation of fees and expenses to You shall exceed this limitation. Unless inconsistent with applicable law, each of Us shall bear the expense of our own attorney, expert and witness fees, regardless of which of Us prevails in the arbitration.

       

      29.       Important Statement Concerning Active Duty Military Service

       

      If at the time You apply for this Account, You are on active duty military service (including active guard or reserve service) or You are a spouse or dependent of a person who is on such active duty military service at that time, then so long as such active duty military service continues, the Arbitration Agreement does not apply to You, nor do any provisions that waive any right to legal recourse under any state or federal law.

       

      Privacy Policy

      This Privacy Policy defines basic principles surrounding the privacy of users and others who interact with Meed, as well as Meed brands, apps, sharing tools, products and services, which we call the “Meed Services” or “Services”.

      By using or accessing the Meed Services, or by otherwise providing Meed with your personal information, you agree to this Privacy Policy, as updated from time to time. If you do not agree with any terms of this Privacy Policy, please do not use this Website, the Servcies or submit any personal information to Meed

      Your privacy is very important to us. We designed our data policies make important disclosures about how you can use Meed to share travel with others and how we collect and can use your content and information. We encourage you to read this Privacy Policy, and to use it to help you make informed decisions.

      Meed reserves the right to modify this Privacy Policy at any time. We will reflect any such modifications to this Privacy Policy on our Website and will indicate the date this Privacy Policy was last amended. Your continued access to and/or use of the Website after any such changes constitutes your acceptance of, and agreement to be legally bound by, this Privacy Policy, as revised. Please periodically review this Privacy Policy so that you know what personal information we collect, how we use it, and with whom we may share it.

      1. Data Policy – Information we collect about you and how we use it

        Personal information is information about an identifiable individual, such as your name, address, telephone number, email address or payment information. When you register and/or seek to book travel services with a Third Party Supplier via our Website we collect personal information which helps us provide the Services you are requesting. This personal information is shared with the applicable Third Party Suppliers where a booking has been requested by you. For example, if you seek to book a flight, the applicable flight network will receive information relevant to booking the flight.

        We may use the personal information you provide to contact you, provide Services to you and to customize your user experience on our Website. We may use your information to operate our Website in accordance with its terms and conditions, to facilitate, complete or confirm, any transactions you choose to make using the Website, to improve our Website and Services, to respond to your questions or inquiries, to carry out other purposes that are disclosed to you and to which you consent, and carry out any other purpose permitted or required by law. We keep your information confidential and generally only use your information within Meed and Third Party Suppliers of the Website in accordance with this Privacy Policy.

        When you use our Services, we may receive information (“Log Data”) such as your IP address, browser type, operating system, the referring web page, pages visited, location, your mobile carrier, device information (including device and application IDs), search terms, and cookie information. We receive Log Data when you interact with our Services, for example, when you visit our Websites, sign into our Services, interact with our email notifications, use your account to authenticate to a third-party website or application, or visit a third-party service that includes a Meed button or widget. We may also receive Log Data when you click on, view or interact with links on our Services, including links to third-party applications, such as when you choose to install another application through Meed. Meed uses Log Data to provide, understand, and improve our Services, to make inferences, like what topics you may be interested in, and to customize the content we show you, including ads. If not already done earlier, we will either delete Log Data or remove any common account identifiers, such as your username, full IP address, or email address when it is no longer needed for the purposes for which it was collected.

      2. Cookies

        Like many websites, we use cookies and similar technologies to collect additional website usage data and to improve our Services, but we do not require cookies for many parts of our Services such as searching and looking at public user profiles. A cookie is a small data file that is transferred to your computer or mobile device. Meed may use both session cookies and persistent cookies to better understand how you interact with our Services, to monitor aggregate usage by our users and web traffic routing on our Services, and to customize and improve our Services. Although most web browsers automatically accept cookies, some browsers’ settings can be modified to decline cookies or alert you when a website is attempting to place a cookie on your computer. However, some Services may not function properly if you disable cookies. We honor the Do Not Track browser option to give you control over how your website visits are used to personalize your Meed experience and ads.

      3. How we Disclose Personal Information

        We may transfer your personal information to third party service providers that assist us with carrying out the purposes identified in this Privacy Policy. We reserve the right to transfer any personal information we have about you in the event that we merge with or are acquired by a third party or should any such transaction be proposed. We may also use, or disclose your personal information to third parties, if we have reason to believe that using or disclosing such information is necessary to: (i) conduct investigations of possible breaches of law; (ii) identify, contact, or bring legal action against someone who may be violating an agreement they have with us; (iii) investigate security breaches or cooperate with government authorities pursuant to a legal matter; or (iv) to protect our rights, safety or property. Lastly, we may disclose your personal information for any other purpose to which you consent.

      4. Security

        We protect your Personal Information by maintaining physical, organizational and technological safeguards intended to help protect against unauthorized use, disclosure or access. Personal Information may only be accessed by persons within our organization, or our third party service providers, who require such access to carry out the purposes indicated above, or such other purposes as may be permitted or required by the applicable law. Personal information we collect is maintained at Toronto, Ontario.

        The data stored by Meed is at rest within Canada and all Meed services hosted in cloud data centres within Canada. Third Party Suppliers with whom you conduct transactions may hold data in other regions/countries: for more information you must consult the terms and conditions and privacy policy of any Third Party Suppliers with whom you transact.

      5. Access and Rectification

        You have a right to request access to your personal information and to request a correction to it if you believe it is inaccurate. If you have submitted personal information to us and would like to have access to it, or if you would like to have it removed or corrected, please contact us using the contact information provided below. We will use reasonable efforts to comply with your request; however, in some cases we may not be able to allow you to access certain personal information in certain circumstances, for example if it contains personal information of other persons, or for legal reasons. In such cases, we will provide you with an explanation of why it is not possible to grant access to your personal information.

      6. Children and Parents

        Our Services are not directed to persons under 13. If you become aware that your child has provided us with personal information without your consent, please contact us using the information below. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we take steps to remove such information and terminate the child’s account.

      7. Third Party Sites

        The Website may contain links to other third party websites. These other websites may have their own privacy policies and terms and conditions that are not governed by this Privacy Policy. We are not responsible for the privacy practices or the content of any website(s) owned and operated by any such third parties. Other websites may collect and treat information collected differently, so we encourage you to carefully read and review the privacy policy for each website you visit.

      8. Contact

        If you have any questions regarding this Privacy Policy, or any personal information you have submitted to us, by contacting our Privacy Officer by emailing us at hi@meedbankingclub.com.