Pathward Privacy Notice

What do pathward financial, inc. And pathward, national association do with your personal information? 
  • Why?
Financial companies choose how they share your personal information. 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: n Social Security number and income n Account balances and transaction history n Credit history and assets When you are no longer our customer, we continue to share your information as described in this notice.
  • How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Pathward Financial, Inc. and Pathward, National Association choose to share; and whether you can limit this sharing. Reasons we can share your personal information
  • For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
  • Does Pathward share? Yes
  • Can you limit this sharing? No
  • For our marketing purposes— to offer our products and services to you to credit bureaus.
  • Does Pathward share? Yes
  • Can you limit this sharing? No
  • For joint marketing with other financial companies
  • Does Pathward share? Yes
  • Can you limit this sharing? No
  • For our affiliates’ everyday business purposes— information about your transactions and experiences
  • Does Pathward share? No
  • Can you limit this sharing? We do not share
  • For our affiliates’ everyday business purposes— information about your creditworthiness
  • Does Pathward share? No
  • Can you limit this sharing? We do not share
  • For our affiliates to market to you
  • Does Pathward share? No
  • Can you limit this sharing? We do not share
  • For nonaffilffiates nona onaffiliates to market to you
  • Does Pathward share? No
  • Can you limit this sharing? We do not share
Questions? Call 833-898-0023 or go to www.pathwardprivacypolicy.com Who we are Pathward Financial, Inc., and Pathward, National Association (together, “Pathward”). What we do
  • How does Pathward protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
  • How does Pathward collect my personal information?
We collect your personal information, for example, when you
  • Open an account or apply for a loan
Make deposits or withdrawals from your account or provide account information
  • Make a wire transfer
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
  • 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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Definitions Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Pathward does not share with affiliates.
Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Pathward does not share with nonaffiliates so they can market to you.
Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partner(s) include nonaffiliated financial companies that we may partner with to jointly market financial products or services to you. Other important information For California and Vermont Residents: We will not share personal information we collect about you with affiliated and nonaffiliated third parties, except as permitted by law, including, for example, for our own marketing purposes, oureveryday business purposes, or with your consent. For Vermont Residents: We will not share your credit information or information about your creditworthiness, transactions, or experience, other than as permitted by Vermont law, unless you authorize us to make thosedisclosures. For Nevada Residents: We are providing you this notice under state law. You may be placed on our internal Do Not Call List by contacting the Privacy Department and requesting an Opt Out of Marketing. If you would like more information about our telemarketing practices and the Nevada Law, you may contact us at Pathward, N.A., Attn: Privacy Department, 5501 S. Broadband Lane, Sioux Falls, South Dakota 57108, and phone number: 833-898-0023. For more information on this law, you may contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; phone number: 702.486.3132; email: aginfo@ag.nv.gov. Last updated: September 13, 2023
Privacy Notice PDF

Terms of Use

Mobile Payment and Digital Wallet Terms

Last Modified: April 2023

The following Mobile Payment and Digital Wallet Terms (“Terms”) apply when you choose to add a debit card or prepaid card issued by Pathward, National Association (“Card”) to a mobile or digital payment wallet (“E-Wallet”). In these Terms, “E-Wallet” refers to software-based systems and services, such as Apple Pay, Google Pay, Samsung Pay or similar services, to enable payment, purchase or other financial transactions to be made through computers, tablets or mobile phones or devices via linked accounts (including credit, debit, and prepaid or stored-value cards or accounts); “you” and “your” refer to the holder of the Card; and “we,” “our,” and “Bank” refer to Pathward.

When you add a Card to a E-Wallet, you agree to these Terms:

  1. Adding a Card. A Card may be added to any eligible E-Wallet by following the instructions of the E-Wallet provider. Only Cards indicated as eligible can be added to an eligible E-Wallet. A Card may be added to multiple E-Wallets and through multiple eligible devices. The Terms apply to each Card in each E-Wallet and to your use of each Card in each E-Wallet. You understand that your use of a Card through an E-Wallet is subject to the agreements or terms of use required by the E-Wallet provider, third party wireless companies, and/or data service providers and others (each, a “Service Provider”). You may not add a Card to an E-Wallet or use a Card in an E-Wallet if the Card has a negative balance, if the Card has been cancelled, suspended or closed or is otherwise not in good standing for any reason.

  1. Terms. These Terms are in addition to and do not replace or supersede the terms of the agreement governing the Card (“Accountholder Agreement”). To the extent there is a conflict between these Terms and your Accountholder Agreement, the Terms control only with respect to the E-Wallet services. Any applicable fees and charges that apply to the Card will also apply when you use an E-Wallet to access the Card. Pathward does not charge you for adding your Card to an E-Wallet, but the E-Wallet provider and/or Service Providers may charge fees for use of the E-Wallet that are not disclosed in the Accountholder Agreement.

  1. Liability. Pathward is not responsible for, or the provider of the E-Wallet. Pathward is not responsible for any failure of an E-Wallet or the inability to use an E-Wallet for any transaction. Pathward is not responsible for the performance or non-performance of the E-Wallet, E-Wallet provider or any other Service Provider or associated third party that may impact use of an E-Wallet. Questions about how to use an E-Wallet should be addressed to the E-Wallet provider.

  1. E-Wallet functions. By adding the Card to an E-Wallet, the Card may be used to make purchases where the E-Wallet is accepted, but restrictions may apply to use of the Card and the E-Wallet. Card use restrictions include but are not limited to: (1) restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; (2) restrictions to comply with laws or prevent Pathward liability; and (3) other restrictions to prevent fraud and other losses. Information about the Card and certain transactions may also be made available through an E-Wallet. The E-Wallet may not be accepted everywhere the Card is accepted.

  1. Security. You agree to protect and keep confidential your User ID, passwords and all other authentication information required for your use of a Card in an E-Wallet. If you share any of these credentials with others, third parties may be able to use your Card through an E-Wallet and access Card information made available through the E-Wallet. To complete certain purchases, a merchant may require you to present a physical Card or government-issued form of identification.

  1. Billing errors. You are responsible for identifying and reporting errors in accordance with the section of the Accountholder Agreement containing information about your right to dispute errors if any occur when you use a Card in an E-Wallet. Any reported error will be resolved in accordance with the terms disclosed in the Accountholder Agreement.

  1. Ending or suspending use of a Card. Your ability to use a Card in an E-Wallet can be ended or suspended at any time, and Pathward has the right to block transactions made with a Card through an E-Wallet at any time. You may remove your Card from an E-Wallet by following the instructions provided by the E-Wallet provider.

  1. Privacy and Security. By using a E-Wallet, you agree to have information about you exchanged with the E-Wallet provider, Service Providers, the Card networks (e.g., Visa and Mastercard) and others in order to: (1) facilitate any E-Wallet services you request; (2) make information about Card transactions available to you; and (3) improve your ability to obtain E-Wallet services. This sharing may be in addition to and beyond the sharing provided for in our Privacy Policy or Accountholder Agreement. We do not control how the E-Wallet provider or Service Providers use information received in connection with the E-Wallet. The terms and conditions with the E-Wallet provider will govern the use of your information by the E-Wallet provider. Use of an E-Wallet involves the electronic transmission of personal information through third party connections. Reasonable commercial efforts will be used to ensure that information sent in connection with your use of a E-Wallet is sent securely. Pathward is not responsible if a security breach occurs that affects any such information stored by an E-Wallet provider or a Service Provider.

  1. Disclaimer of warranties. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF AN E-WALLET IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE E-WALLET IS PROVIDED TO YOU “AS IS” AND “AS AVAILABLE,” WITH ALL DEFECTS THAT MAY EXIST FROM TIME TO TIME AND WITHOUT WARRANTY OF ANY KIND, AND PATHWARD, ON BEHALF OF ITSELF AND ITS SUPPLIERS, HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO ANY E-WALLET AND ANY CARD YOU ADD TO A E-WALLET, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS.

  1. Governing law. The Terms are governed by federal law and, to the extent that state law applies, the laws that apply to the Accountholder Agreement. Disputes arising out of or relating to these Terms are subject to the dispute resolution procedures described in the Accountholder Agreement.

  1. Changes to the Terms. The date of the most recent change to the Terms appears at the beginning of the Terms, immediately below the caption. You cannot change these terms, but you may terminate these terms by removing your Card from all E-Wallets.

  1. Questions. If you have questions, disputes, or complaints about an E-Wallet, contact the E-Wallet provider using the information provided to you. If you have questions, disputes, or complaints about a Card, refer to the contact information contained in the Accountholder Agreement and printed on the back of the physical Card.

Payment and Digital Wallet Terms
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