PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY USING THIS Website, YOU AGREE TO THESE TERMS AND CONDITIONS.
Services may not be available in all states so please call or check our website for details.
Your access to and use of this Website is subject to the following terms and conditions of use (Terms of Use) and all applicable laws. These Terms of Use apply exclusively to your access to, and use of, this Website known as www.walletmd.com (WalletMD Website) which is exclusively owned and operated by WalletMD, LLC (WalletMD) and do not alter in any way the terms or conditions of any other agreement you may have with WalletMD for services or otherwise. These Terms of Use may be changed by WalletMD at any time in its sole discretion by posting the changes made to these Terms of Use, as revised, on this Website. Your use of this Website following the posting of such changes to the revised Terms of Use shall constitute your acceptance of any such changes. If you do not agree to these Terms of Use, our Privacy Statement, WalletMD Service Agreement, or any other policy governing your access to or use of our Website you should immediately terminate your access to and use of the Website. If you have any question regarding these terms or your access to or use of this Website, please contact Customer Service at admin@walletmd.com.
We respect the privacy of our customers and encourage you to read our Privacy Statement so that you may make an informed decision about using our Website. There is important information regarding the use and collection of your personal information in our Privacy Policy that we ask you to review.
Unless otherwise indicated, all Website materials, including, without limitation, the WalletMD logo, and all designs, text, graphics, other files, and the selection and arrangement thereof are the proprietary and copyrighted property of WalletMD or its licensors. You may electronically copy and print to a hard copy portions of this Website for the sole purpose of using materials it contains for informational and non-commercial, personal use only. Any other use of the materials in this Website including any commercial use, reproduction for purposes other than described herein, modification, distribution, republication, display or performance without the prior written permission of WalletMD is strictly prohibited.
The WalletMD Website allows you to create a unique username and password to utilize many of our customized online services. Only individuals authorized by you, who over the age of 18, may access and use our Online Services. You may not access the Online Services from outside the country for which it was issued. Your unique username may be restricted from accessing certain Materials otherwise available in the Online Services. Materials and features may be added to or withdrawn from the Online Services or otherwise changed without notice and in our sole discretion.
The WalletMD, LLC logo, the WalletMD Logo and any proprietary Service or service names contained in this Website are either trademarks or registered trademarks of WalletMD or its licensors, and may not be copied, imitated or used, in whole or in part, without the prior written permission of WalletMD. In addition, all page headers, custom graphics, button icons and scripts are service marks, trademarks and/or trade dress of WalletMD, and may not be copied, imitated or used, in whole or in part, without the prior written permission of WalletMD. All other trademarks, registered trademarks, Service names and company names or logos mentioned herein are the property of their respective owners.
You agree that the content you upload in your personal space belongs to you and is for your personal use. You certify that you own and are responsible for any of the contents uploaded in your personal area and that you are not uploading and storing items that would infringe U.S. Copyright laws. You understand that you may not upload, post, reproduce or distribute in any way material protected by copyright, trademark, trade secret or other proprietary rights or which would violate any right of publicity, right of privacy or other right of any third party without first obtaining permission of the owner of such right.
You agree that any materials, including but not limited to questions, comments, credit bureaus, credit reports, communications from credit reporting agencies, communications from credit bureaus, communications with credit reporting agencies, Communications with credit bureaus, communications with creditor(s), suggestions, ideas, plans, notes, drawings, original or creative materials or other information, provided by you in the form of e-mail or submissions to the WalletMD Website, or postings on this Website, are not confidential and that WalletMD shall have a perpetual, worldwide, non-exclusive license to use such materials as it deems appropriate.
WalletMD and its affiliates attempt to describe its Services as accurately as possible. However, WalletMD does not warrant that Service descriptions or other content on this Website is accurate, complete, reliable, current, or error-free. If a Service offered by WalletMD itself is not as described, your sole remedy is to cancel the service in the manner set forth in the WalletMD Service Agreement. The prices displayed on the Website are in U.S. Dollars and are valid and effective only in the United States.
We may share, transfer or provide your information as indicated in our Privacy Policy. Based on your consent, you may be contacted by third-party service providers, such as financial institutions, debt settlement companies, lenders and other financial professionals (“Providers”). We do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers. You acknowledge and agree that Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Provider’s products or services. We urge you to obtain the advice of qualified professionals who are fully aware of your individual circumstances before you make any financial decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Providers.
WalletMD reserves the right to remove any text or images uploaded by you that it deems in its sole judgment to be inappropriate or which it believes may subject it to any liability, including without limitation the following:
If you believe that any material on this Website infringes upon any copyright that you own or control, or that any link on this Website directs users to another Website that contains material that infringes upon any copyright which you own or control, you may file a notification of such infringement to the email or address stated below.
You agree to use WalletMD Website only for lawful purposes. You are prohibited from posting on or transmitting through WalletMD Website any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically or otherwise objectionable material of any kind that infringes the intellectual property rights or is otherwise injurious to third parties, including but not limited to any material that encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law. WalletMD may, at its discretion, terminate the accounts of any registered User who violate this policy.
WalletMD respects the intellectual property of others, and we ask our Users to do the same. WalletMD may, in appropriate circumstances and at its discretion, terminate the accounts of any User who infringe upon the intellectual property rights of others or who violate this policy.
WalletMD may elect to electronically monitor areas of this Website and may disclose any content, records or electronic communication of any kind to satisfy any law, regulation or government request, if such disclosure is necessary or appropriate to operate this Website, or to protect the rights or property of WalletMD, its independent contractors, service providers, consultants, sponsors, licensors or the public. WalletMD retains the right, but not the obligation, to monitor and edit or remove any activity or content that it deems in its sole discretion to be harmful to its users, WalletMD or the rights of any third party, or to violate any applicable law.
WalletMD and the WalletMD Website do not offer products and services for sale to children under 18. We sell products and services for purchase by adults only. By using this Website, you are representing to us that you are 18 years of age or older. WalletMD will not be liable for any damages that may result from misrepresentation of age by a user of our Website.
You agree to defend, indemnify and hold harmless WalletMD, its Managers, it employees, its independent contractors, service providers and consultants, and their respective directors, employees and agents, from and against any third party claim, damages, costs and expenses (including, but not limited to, reasonable attorneys fees) arising out of your use of the WalletMD Website or the use of any photographs, images or materials you provide, including without limitation any actual or threatened suit, demand, or claim made against WalletMD and/or its independent contractors, service providers, or consultants, that use of the photographs, images or material provided infringes, misappropriates or otherwise violates any copyright, trademark, right of publicity or other proprietary right of any third party. You agree to pay any judgment or reasonable settlement offer resulting from any such suit, demand or claim.
EXCEPT IF EXPLICITLY STATED IN WRITING OTHERWISE BY WALLETMD, THE PRODUCTS AND/OR MATERIALS AND/OR SERVICES CONTAINED AND SOLD ON THE WALLETMD Website ARE PROVIDED ON AN AS IS BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WALLETMD AND THE WALLETMD WEBSITE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WALLETMD AND THE WALLETMD WEBSITE DOES NOT REPRESENT OR WARRANT THAT ANY PRODUCTS AND/OR MATERIALS AND/OR SERVICES ON THE WALLETMD Website, INCLUDING WITHOUT LIMITATION ANY INFORMATION ABOUT WALLETMD AND THE WALLETMD WEBSITE PROVIDED BY THIRD PARTIES, ARE ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE. WALLETMD DOES NOT REPRESENT OR WARRANT THAT THE WALLETMD WEBSITE OR ITS SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
WalletMD reserves the right to change any and all content contained on the WalletMD Website at any time without notice. Reference to any products, services, materials, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by WalletMD and/or the WalletMD Website. If you rely on the WalletMD website and any materials available on it and/or if you rely on verbal advice given to you by a financial coach on a recorded call, and/or if you rely on information communicated to you via email and/or through documents provided to you by a financial coach in an email attachment, you do so solely at your own risk.
IN NO EVENT SHALL WALLETMD OR ITS OFFICER(S), MANAGER(S), DIRECTOR(S),MEMBER(S) OR EMPLOYEE(S) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR INABILITY TO USE THIS WEBSITE OR THE MATERIALS CONTAINED IN AND/OR SERVICES SOLD ON AND/OR PRODUCTS SOLD ON, OR ACCESSED THROUGH, THE WALLETMD WEBSITE, INCLUDING WITHOUT LIMITATION ANY DAMAGES CAUSED BY OR RESULTING FROM RELIANCE BY USER ON ANY INFORMATION OBTAINED FROM WALLETMD, OR THAT RESULTS FROM MISTAKES, OMMISSIONS, INTERRUPTIONS, DELETION OF FILES OR E-MAILS, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, ACTS OF TERRORISM, THEFT, DESTRUCTION, OR UNAUTHORIZED ACESS TO THE WALLETMD RECORDS, PROGRAMS OR SERVICES.
IN NO EVENT SHALL THE AGGREGATE LIABILITY OF WALLETMD (WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY) ARISING OUT OF OR RELATING TO THE USE OF WALLETMD WEBSITE EXCEED ANY COMPENSATION YOU PAY, IF ANY, TO WALLETMD AND/OR THE WALLETMD WEBSITE FOR ACCESS TO OR USE OR FOR SERVICES SOLD ON AND/OR PRODUCTS SOLD ON THE WALLETMD WEBSITE.
You are granted a limited non-exclusive right to create a hyperlink to the WalletMD Website provided such link does not portray WalletMD or any of its materials or products or services in a false, misleading, derogatory or otherwise defamatory manner. This limited right may be revoked at any time. You may not use, frame or utilize framing techniques to enclose any WalletMD and/or WalletMD trademark, logo or other proprietary information, including the images found on the WalletMD Website, the content of any text or the layout/design of any page or form contained on a page without WalletMD's express written consent. Furthermore, you may not use any meta tags or any other hidden text utilizing a WalletMD and WalletMD name, trademark or Service name without WalletMD's express written consent. Except as noted above, you are not conveyed any right or license by implication, estoppel or otherwise in or under any patent, trademark, copyright or proprietary right of WalletMD or any third party. WalletMD makes no claim or representation regarding, and accepts no responsibility for, the quality, content, nature or reliability of Websites linking to the WalletMD Website.
The WalletMD Website may provide links to Web pages and content of third parties (Third Party Content) as a service to those interested in this information. WalletMD does not monitor, nor does it have any control over, any Third Party Content. WalletMD does not endorse or adopt any Third Party Content and can make no guarantee as to its accuracy or completeness. WalletMD makes no representations or warranties of any kind regarding such Third Party Content, or any information contained therein, and undertakes no responsibility to update or review any Third Party Content. When leaving the WalletMD Website, you should be aware that the WalletMD Website's terms and policies no longer govern, and, therefore, you should review the applicable terms and policies, including privacy and data gathering practices, of that site. Users use these links and Third Party Content contained therein at their own risk.
If any provision of these Terms of Use shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions. The failure of WalletMD to insist upon or enforce strict performance of any of the provisions of these Terms of Use or to exercise any rights or remedies under these Terms of Use will not be construed as a waiver or relinquishment to any extent of WalletMD right to assert or rely upon any such provisions, rights, or remedies in that or any other instance; rather, the same will be and remain in full force and effect.
The internal laws of the State of New Jersey will govern and construe these Terms of Use without giving effect to any conflict of laws provisions to the contrary. By use of this Website, you irrevocably consent to the jurisdiction of the courts of the State of New Jersey and agree that all disputes with WalletMD venue shall be in the state or federal courts located in the State of New Jersey. In the event that any dispute arises from the terms & conditions provided herein or from the services provided to you by WalletMD, you agree to participate in binding arbitration through the American Arbitration Association. You agree that the decision of the arbitrator will represent full and final resolution of any dispute arising from these terms and conditions and/or from the services you receive through WalletMD. If you access the Website from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.
Notwithstanding anything to the contrary herein, WalletMD reserves the right, without notice and in its sole discretion, to terminate your use of this Website and to block or prevent your future access to and use of this Website.
These General Terms and Conditions of Use may be changed from time to time without notice by WalletMD in its sole discretion. Continued use of the WalletMD Website's Online Services following any change constitutes acceptance of the change.
WalletMD may suspend or discontinue providing Online Services to you without notice and pursue any other remedy legally available to it if you fail to comply with any of your obligations hereunder.
Except as otherwise provided herein, all notices and other communications hereunder by WalletMD shall be in writing or displayed electronically on the WalletMD Website.
Notices shall be deemed to have been properly given on the date deposited in the U.S. mails, if mailed; on the date WalletMD transmitted it to you electronically to the email address you have provided us, if sent via electronic mail; on the date first made available, if displayed WalletMD Website; or on the date received, if delivered in any other manner.
The failure of WalletMD or any third party supplier of Materials to enforce any provision hereof shall not constitute or be construed as a waiver of such provision or of the right to enforce it at a later time.
Each third party supplier of Materials has the right to assert and enforce these provisions directly on its own behalf as a third party beneficiary.
You agree that WalletMD may send electronic mail to you for the purpose of advising you of changes or additions to this Site, about any of WalletMD Services, or for such other purpose(s) as WalletMD deems appropriate. You also agree that WalletMD may share your personal information with certain third parties. Please see our Privacy Policy for more detail.
A. Fees. Certain features within the Service, including the Coaching Sessions, may require you to pay fees, including one-time fees or fees on a subscription basis, and may provide you the option to activate recurring automatic payments for recurring fees. Before you pay any fees, including before activating or updating any recurring payments, you will have an opportunity to review the fees that you will be charged. If you activate or update recurring payments through the Service, you authorize WalletMD and its third-party service providers to periodically charge, until cancellation, all accrued fees.
B. Membership Plans. Unless otherwise specified, all membership plans are month-to-month. You will be charged monthly in advance for your membership plan. If you cancel or change your membership plan, the cancellation or change may not take effect for 30 days. You may cancel your membership plan by contacting the WalletMD financial coach from whom you receive Coaching Sessions directly via email or phone.
C. Authorization. You authorize WalletMD to charge all fees for the membership plan you select. If you pay any fees with a credit card, WalletMD may seek pre-authorization of your credit card account prior to your purchase to verify that the credit card is valid and has the necessary funds or credit available to cover your purchase.
D. Payment Processing. Payment processing services for WalletMD may be provided by our third-party payment processors.
NOTICE FOR CALIFORNIA USERS. Under California Civil Code Section 1789.3, Users located in California are entitled to the following notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 400 R Street, Suite 1080, Sacramento, California 95814, or by telephone at (916) 445-1254 or (800) 952-5210.
General questions or comments about WalletMD Website may be directed to WalletMD Website's Customer Service Department at info@walletmd.com.
WalletMD
1 International Blvd, Suite 400
Mahwah, NJ 07495
Questions regarding this statement should be directed to info@walletmd.com
Last Updated: March 29, 2020
WalletMD, LLC, (hereinafter referred to as ‘WalletMD’ “we” or “us”) is owner and operator of www.walletmd.com Website (“Site”) and is committed to safeguarding your privacy. Please read the following Online Privacy Policy to understand how your personal information will be treated as you make full use of our many products and offerings. By using this Site you consent to this Online Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein.
Please note that we may update this policy from time to time as our information practices are modified or changed. If we make changes to the Privacy Notice, we will revise the “Last Updated” date at the top of this Policy. Any changes to this Notice will become effective when we post the revised Policy on the Site. Your use of the Site following these changes means that you accept the revised Policy.
This policy will let you know:
WalletMD Website collects information in several ways. Some personal information is gathered when you register on the website. During the registration process, the WalletMD Website requires that you create a username and password. At that time you may also be asked for demographic information about yourself, such as your birth date, gender, and mailing address. Other than your mailing address and birth date as any other information required to provide the specific service you requested, you are not required to provide any other information, but the more information you volunteer (and the more accurate it is), the better we are able to customize your experience.
We may ask you for personal information at other times also, including (but not limited to) when you utilize a promotion sponsored by WalletMD and/or one of our affiliates; when you make a purchase from the WalletMD Website; and if you report a problem with our products and/or services. Such information may include your e-mail and home address as well as Social Security number and other personal identifiers.
If you make contact with WalletMD we may keep a record of that correspondence. WalletMD may occasionally ask users to complete surveys that we use for research purposes.
We may also collect information about you through and or from third parties or service provides. This information is used to create a specific profile and help us determine how we can best assist you or determine what products best suit your needs, see 3. How does WalletMD use my information? below, for more information.
As part of offering and providing customizable and personalized services, WalletMD Website uses cookies to store and sometimes track information about you. A ‘cookie’ is a small amount of data that is sent to your browser from a web server and stored on your computer’s hard drive. All pages comprising the WalletMD Website where you are prompted to log in or that are customizable require that you accept cookies. (See What are my choices regarding collection, use and distribution of my information? for more information on cookies.)
Generally, we use cookies to:
WalletMD Website also collects IP addresses and Internet Browser Information for system administration and to report aggregate information to our advertisers.
WalletMD Website’s primary goal in collecting personal information is to provide you, the user, with a customized experience. This includes personalization services, interactive communications as well as display of advertisements for valuable products and services. By knowing a little about you, WalletMD is able to deliver more relevant advertisements and content, and better service to you.
We may use your information to:
We collect information directly from you when you use this Site or sign up for our products or services.We also collect information indirectly from you based on insights gathered from your use of our Site and services.
We may also collect information made available through third-party platforms and apps (such as online social media platforms), through online databases or directories, or that is otherwise legitimately obtained. This information may be governed by the privacy notice(s) provided by the third party at the time of collection. We purchase marketing data about our customers from third parties and combine it with the personally identifiable information customers provide us, to offer advertising and products in which we think our customers will be interested. For example, some WalletMD services may be offered in conjunction with an affiliated company, including Credit Squad (www.creditsquad.com) and United Services Credit, LLC.
When you are using this Site and are asked for personal information, you are sharing that information with WalletMD and, if applicable Direct Business Affiliates, unless it is specifically stated otherwise.
By providing your personal information on this Site under this Privacy Policy grants us full rights to buy, sell or lease your personal information that has been supplied to us on this Website. WalletMD may share your personal information with its business affiliates, including Credit Squad. WalletMD may also share personally identifiable information with companies who are service providers of WalletMD but these companies are under a strict confidentiality agreement not to disclose any of your personally identifiable information to outside parties unless it is necessary to provide the services you requested or they are they are given permission to do so by you. The following describes some of the other ways that your information may be disclosed.
By providing personal information on or through the Site, or in connection with services provided by the Company thereon or in connection therewith, you agree that:
DISCLAIMER REGARDING SHARING: WalletMD, LLC is committed to providing you outstanding services and ensuring the your needs are met. With your consent, as indicated above, we may share your personal information and non-personal information with third parties for the purpose of allowing them to provide information about products and services that may be of interest to you.
We may review your personal information in order to pick a company that is suited to provide you services that you may need. We may receive compensation from the thirds parties with whom we share your information with. That said, we do not endorse or promote any of the third parties for which we share information with.
We are not attorneys and we don’t provide legal advice. As always, we encourage you to do your homework and check out individuals and companies that have contacted you based on the consent you have provided to WalletMD. We are is not responsible and do not guarantee any outcomes from these providers.
You may opt out of having information about you shared with third parties (other than when required by law or court order or to process transactions to which you have consented), or from receiving future offers in connection with the Site, by following the instructions contained within each marketing communication or by emailing us at info@walletmd.com. However, such opting out will not apply to any communications from our other website offerings you have registered for or to our network partners or other third parties to whom we may have already provided your information. Those third parties' use of your information is subject to such parties' own privacy policies and opt-out procedures, for which we are not responsible.
You also have choices with respect to cookies. By modifying your browser preferences, you have the choice to accept all cookies, to be notified when a cookie is set, or to reject all cookies. If you choose to reject all cookies you may not be able to use those Site services that require registration in order to participate.
If you do not wish to allow your data to be shared, you can choose not to use a particular service or not to participate in certain promotions or contests.
You may edit your WalletMD Website Account Information at any time by using your WalletMD Website User ID and password. If you have forgotten your password, please click here to request a new password. For all other problems signing in to the Site, please click here to email customer service.
If you are participating in a WalletMD promotion and you wish to update your email address on the promotions mailing list or to quit a promotion and cease receiving promotion related email, please contact info@walletmd.com.
Keeping your personal and financial information private is vitally important to us.
Knowing that you use certain services or features may help us to offer you better and more relevant content and advertisements. But as with all personally identifiable information, we do not make this available to any third parties without your permission. Any user statistics that we may provide to non-direct affiliates regarding financial product or service usage on the WalletMD Website are provided in the aggregate only and do not include any personally identifiable information about any individual user.
Please note that there are several places on the Site where you can transmit credit card information in order to complete a purchase transaction or for verification purposes. Any time we ask for a credit card number we transmit that credit card number in an encrypted format. We use industry standard, SSL (secure socket layer) encryption.
Your WalletMD Website Account Information is password protected so that you and only you have access to this personal information. You may edit your WalletMD Website Account Information by using your WalletMD Website User ID and password.
We recommend that you do not divulge your password to anyone. The WalletMD Website and WalletMD will never ask you for your password in an unsolicited phone call or in an unsolicited email. Also remember to sign out of your WalletMD Website account and close your browser window when you have finished your work. This is to ensure that others cannot access your personal information and correspondence if you share a computer with someone else or are using a computer in a public place like a library or Internet cafe.
When you give the WalletMD Website personal information, that information may be sent electronically to servers outside of the country where you originally entered the information, such as to the United States or other countries. In addition, that information may be used, stored and processed outside of the country where you entered that information. Whenever the WalletMD Website handles personal information as described above, regardless of where this occurs, the WalletMD Website takes steps to ensure that your information is treated securely and in accordance with the relevant Terms and Conditions of Use and this Privacy Policy.
Unfortunately, no communication — by internet, phone, mail or any other means — can be guaranteed to be 100% secure. While we strive to protect your personal information, the WalletMD Website and WalletMD cannot ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our systems.
Naturally, the safety of children is very important to us. WalletMD does not offer products and services for purchase to children the age of 13, and does not share personal information about users or their children under the age of 13 with third parties. In addition, WalletMD Website and WalletMD will not send any direct email or mail offers to users who indicate they are under the age of 13.
This is notice to California Residents. If you are a California resident, California law may provide you with additional rights concerning WalletMD’s collection and use of your personal information. After reading this Online Privacy Policy, please click here to visit WalletMD’s California Privacy Notice to learn more about your California Privacy Rights.
Please keep in mind that whenever you voluntarily disclose personal information online, for example on message boards, through email, or in chat areas that information can be collected and used by others. In short, if you post personal information online that is accessible to the public, you may receive unsolicited messages from other parties in return.
Ultimately, you are solely responsible for maintaining the secrecy of your passwords and/or any account information. Please be careful and responsible whenever you’re online.
We reserve the right to modify this Privacy Policy at any time. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this Website. Any and all changes will be made here, to this Privacy Policy.
We encourage you to check our Website frequently to see the current privacy policy to be informed of how we are committed to protecting your information and providing you with improved content on our Website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this Privacy Policy so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.
If you have any questions or concerns about WalletMD LLC Privacy Policy or data processing, please contact us.
WalletMD LLC
Park 80 West Plaza II
Suite 200,
Saddlebrook, NJ 07663
If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 855-234-0632 or via email at info@walletmd.com.
PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.
IMPORTANT PRIVACY NOTICE FOR CALIFORNIA CONSUMERS
LAST REVISED: March 29, 2020
This Privacy Notice for California Consumers (“Notice”), provided by WalletMD, LLC (“WalletMD,” “Company,” “we,” or “our”), supplements, and is expressly made part of, the information contained in WalletMD’s Online Privacy Policy and applies solely to those who are consumers (“you” or “your”) as defined in Section 1798.140(g) of the California Consumer Privacy Act of 2018 (“CCPA”). We adopt this Notice in compliance with the CCPA and any terms defined in the CCPA have the same meaning when used in this Notice.
WalletMD collects information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). As a consumer, you have certain rights regarding your personal information as defined in the CCPA. This Notice provides you with information on how WalletMD collects, uses, and shares personal information. It also outlines the rights you have regarding personal information that we collect from you and describes how you can exercise those rights.
As a company that conducts activities that are financial in nature, WalletMD is a “financial institution” as that term is defined in the Gramm-Leach-Bliley Act (“GLBA”). While the CCPA does not exempt financial institutions, and thus, WalletMD, from its requirements, Section 1798.145(e) of the CCPA does exempt personal information collected by a financial institution pursuant to the GLBA. Accordingly, much, if not all, of the data consumers provide to WalletMD, or that we collect from consumers, will fall within the GLBA exemption to the CCPA’s definition of personal information and thus outside the scope of the CCPA.
WalletMD recognizes the eleven (11) broad categories of personal information referenced in the CCPA that a business may collect about a consumer. In particular, WalletMD has collected the following categories of personal information from consumers within the last twelve (12) months (though most, if not all, such personal information is collected pursuant to the GLBA and is thus exempt from the CCPA):
| Category | Examples | Collected |
|---|---|---|
| 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 voiceprints, 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 information. | YES |
| 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. | YES |
| K. Inferences drawn from other personal information. | Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | YES |
Personal information does not include publicly available information from government records, de-identified or aggregated consumer information, or information otherwise excluded from the CCPA’s scope, such as information collected pursuant to the GLBA. Any personal information or category of personal information collected pursuant to the GLBA would not be considered “personal information” under the CCPA.
Notwithstanding the GLBA exemption to which most, if not all personal information collected by WalletMD is subject, we have obtained the categories of personal information listed above from the following categories of sources
WalletMD may use this information to:
WalletMD will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing notice to you. Such notice may be delivered, for example, by posting an updated California Privacy Notice.
WalletMD may disclose your personal information to a third party service provider for business purposes. When we do so, WalletMD enters into a contractual arrangement that describes the business purpose and requires the recipient to both: (A) keep that personal information confidential; and (B) not use it for any purpose except performing the obligations under the contract.
We share your personal information with the following categories of third parties for a business purpose:
The CCPA requires WalletMD to provide you with a statement on its personal information disclosures for a business purpose that reference the eleven (11) categories of information reflected in the chart above. In the preceding twelve (12) months, WalletMD has disclosed the following categories of personal information for a business purpose:
The CCPA similarly requires WalletMD to provide you with a statement on its personal information sales. In the preceding 12 months, we have sold the below categories of information:
We sell these categories of personal information for commercial purposes to the following categories of third parties
Please note that once we sell your personal information with another company, the information received by the other company is controlled by that company and becomes subject to the other company’s privacy practices.
You have the right to request that WalletMD disclose what personal information we collect, use, and disclose. If we receive and confirm your consumer request as verifiable and no exception applies, we will provide you with:
Subject to certain exceptions, you have the right to request that we delete any of your personal information that we collected from you and retained. If we receive and confirm your consumer request as verifiable, unless an exception applies we will delete (and direct our service providers to delete) your personal information from our records.
The CCPA provides a number a reasons why a deletion request may be denied. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
You have the right to request that WalletMD no longer sell your personal information. To exercise that right, please click here: Do Not Sell My Personal Information or Calling us toll-free during business hours at: 1-855-234-0632.
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to WalletMD by:
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to WalletMD by:
Only you or someone registered with the California Secretary of State and legally authorized 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 that the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us, but we must also be able to confirm the personal information relates to you. However, we do consider requests made through your password protected account sufficiently verified when the request relates to personal information associated with that specific account.
We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
WalletMD endeavors to respond to a verifiable consumer request within forty-five (45) days of receiving it. If WalletMD requires additional time to process your request, up to a maximum total of ninety (90) days from the date the request is received, we will notify you of this and inform you of the reason for requiring the additional time.
If you have an online account with us, we will deliver our written response to your online 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 or have denied a request, if applicable.
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.
WalletMD will not discriminate against you for exercising any of your CCPA rights as described above. Unless permitted by the CCPA, WalletMD will not:
We currently do not respond to DNT signals in browsers because we do not track individual users across the web.
No.
California’s "Shine the Light" law (Civil Code Section § 1798.83) permits certain individuals that are California residents to request information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please email us at info@walletmd.com or write to us at WalletMD, LLC, PO Box 110, Oakland NJ 07417.
We reserve the right to amend this Notice at our discretion and at any time. When we make changes to this 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.
WalletMD is committed to responding promptly to any questions or concerns you may have about this Notice. If you have questions concerning the methods by which WalletMD collects or uses your personal information as explained in this Notice and our Online Privacy Policy, the rights granted to you under the CCPA, or how to exercise your rights, or if you are a consumer with a disability and you wish to receive a copy of this Notice, you can contact us by calling, writing, or emailing us:
WalletMD LLC
Park 80 West Plaza II
Suite 200,
Saddlebrook, NJ 07663
Please print and retain a copy of this California Privacy Notice for your records.
For a PDF version of this Privacy Notice For California Consumers suitable for printing as a separate document, please click here. You must have PDF software such as Adobe Acrobat Reader in order to view and print PDF documents. If you need Acrobat Reader, you can download it from Adobe for free by clicking here.