Privacy Policy

CBW and BillMo LLC – Privacy Statement (United States – EN)

Last modified on October 25, 2019.

This Privacy Policy applies to information collected by CBW and BillMo LLC in connection with the services provided by CBW in the United States. We are committed to protecting our customers’ privacy and security. This Privacy Policy explains what personal information we collect about you, with whom we share it, and how you [the user of the Service] can direct us not to share certain information with certain parties. “Personal Information” refers to information that can be used to identify an individual. You should read this Privacy Statement in its entirety. Certain sections may apply differently to residents of different jurisdictions.

IMPORTANT NOTICE ABOUT CUSTOMER DATA COLLECTION: We may use third party technology companies to collect data such as the IP address, user agent and other device level pseudonymous information when you use our application. These companies may use information about your visits to our applications in order to recognize devices, understand traffic patterns, accurately count visits to the application and recognize and reduce fraud. Please keep in mind that your application settings may not permit you to control the technologies utilized by these third-party companies. For more information, see below.

FACTS

WHAT DOES BILLMO LLC DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information, whether you send money, receive money, or we otherwise collect information about you. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include, without limitation:

  • – Government identification numbers, such as driver’s license, state identification, passport, visa, Social Security or tax identification number
  • – Name, address, email address, mobile and home telephone number
  • – Account balances and transaction history
  • – Credit and payment history and information
  • – Bank account or debit/credit card account information
  • – Computer and mobile device information such as the domain and host you use to access the Internet; your computer’s IP address; mobile device geolocation, number and other information from and about your device (such as device properties, settings, applications, stored information and usage) and carrier; the browser and operating system software you use; social profile and network information; the date and time you access our website and the Internet address used to link to our website when you visit us

You consent to our collection, transfer and storage of information by computers or other transfer or storage devices in the United States and elsewhere.

When? This Privacy Statement was last modified on August 18, 2017.
 

How? 

All financial companies need to share customers’ and consumers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ and consumers’ personal information; the reasons CBW and BillMo LLC chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does CBW or BillMo share? Can you limit this sharing?
For our everyday business purposes

such as to process your transactions; detect and prevent fraud and other illegal activities; maintain your account(s); respond to court orders and legal investigations; report to credit bureaus; gather information about website access, usage and performance; enhance your consumer experience; validate your creditworthiness or your identity; or as otherwise permitted or required by law

Yes No
For our marketing purposes

such as to offer our products and services to you or notify you about future events and promotions

Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes

such as information about your transactions and experiences

Yes No
For our affiliates’ everyday business purposes

such as information about your creditworthiness

No We don’t share
For our affiliates to market to you No We don’t share
For non-affiliates to market to you No We don’t share
Questions? E-mail us at customer.support@billmo.com, call 1-888-870-3912 or visit our website at www.BillMo.com.

Who we are

Who is providing this notice? CBW and BillMo LLC
How does CBW and BillMo LLC protect my personal information? To help protect your personal information from unauthorized access and use, we endeavor to use reasonable security measures. These measures can include physical, electronic and procedural safeguards such as computer safeguards and secured files and buildings. We also endeavor to limit personal information access to only employees, agents and representatives that need to know. Despite our efforts, third parties may unlawfully intercept or access your transmissions to us or may wrongly instruct you to disclose information to them by posing as CBW or BillMo or by misinforming you about our services.  Always use caution and good judgment when sending money and when using Internet and mobile technologies.
How does CBW or BillMo LLC collect my personal information? We collect your personal information, for example, when you:

  • – Send or receive money, complete a payment or use or request other products or services from us or other financial companies
  • – Submit information to us on applications or other forms and by other means
  • – Use or visit our or other online sites (for example, to complete a transaction, manage your accounts, or provide your choices)
  • – Enter a promotion or join a loyalty program
  • – Use our mobile app or internet sites, such as www.BillMo.com

We also collect information about you from a variety of sources, including without limitation, computer systems and mobile devices; third party sources such as our business clients, government agencies, and other suppliers of information; and consumer reporting agencies.

Why can’t I limit all sharing? Federal law gives you the right to limit only

  • – Sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • – Affiliates from using your information to market to you
  • – Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Non affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.For example, we may disclose information about current and former consumers and customers to third parties, including without limitation: financial service providers such as CBW or BillMo LLC agents or authorized delegates that offer our services; banks, credit card companies, brokerage houses, mortgage lenders, mortgage originators and other financial companies, including for Joint Marketing purposes; non-financial companies such as retailers, direct marketers, auto dealers, utility companies, membership clubs and other providers of goods and services; government agencies; and otherwise as permitted or required by law.

We may also disclose information to companies that perform marketing services for us or other financial institutions with whom we have joint marketing arrangements.

Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other important information

STATE OR OTHER GOVERNMENTAL PRIVACY LAWS

We will comply with state or other governmental privacy laws, such as the laws of Mexico, to the extent they apply to CBW or BillMo LLC services.

ONLINE ACTIVITIES

We do not honor any Web browser “do not track” signals or other mechanisms that 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.  In addition, other parties may collect personally identifiable information about your online activities over time and across different websites when you use our website or any of our services.

CHILDREN’S PRIVACY 

Our website is not directed at children under the age of 18. CBW or BillMo LLC does not knowingly collect or maintain information at our website from persons under the age of 18.

EXTERNAL WEBSITES 

Our website may be linked to or from third party websites. CBW or BillMo LLC is not responsible for the content or privacy practices of websites that are linked to or from our website.

COOKIES

Some of our web pages may contain “cookies,” or data which are sent to your web browser and stored on your computer.

ADVERTISING ON THIRD-PARTY SITES

CBW or BillMo LLC may use one or more third-party advertising service providers to display our advertising on third-party sites to users who may have an interest in our products, services or promotions. If you visit our site or show interest in our products, we may use those providers to serve banner ads or other advertising to you when you are on other sites. Those providers may use information such as web pages visited, search keywords entered, your activities on our site, or your responsiveness or interest in our email promotions to make that determination. To learn more about the use of this information or to make choices about receiving personalized advertising provided by third parties, please visit http://www.networkadvertising.org/choices.

CBW or BillMo LLC also allows third parties (affiliates or non-affiliates) to collect personal information about an individual consumer’s online activities over time and across different websites when a consumer uses our website or service.

CHANGES 

CBW or BillMo LLC reserves the right to modify this Privacy Policy. You can get updated Privacy Policies by calling us at 1-888-870-3912 or by visiting our website at www.BillMo.com.

Contact Us

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