by us in connection with providing you with your use of the website: LowesPreLoad.com (the “Site”), and the Lowe’s Preload Discover® Card (collectively known as the “Services”). By visiting the Site, you agree to be bound
Information Collection and Purpose Specification
We collect the data that you may volunteer to share with us while using our Services, including without limitation, personal and business data when you register for Services, information about your transactions with us,
alternate contact information, a password which is used to protect your account from unauthorized access and other information from your interaction with the Site and transactions while utilizing our Services. Personal
information, business information, financial information, and financial data will be collected as a prerequisite to registered users being authorized to use the Services to open an account. The collection of business information
may include, but is not limited to, your business name, TIN, business address, business telephone number, business bank account information, business related documentation, and telephone number, or email address. In addition,
you will be required to provide personal information including, but not limited to: name, personal address, date of birth, Social Security Number, and other similar information. Additional information will be requested
at account opening and may be requested throughout the life of the account relationship to meet regulatory and legal requirements. If you choose to provide us with personal information, business information, financial information,
and financial data, you consent to the transfer and storage of that information on our servers located within the United States. Information disclosures, which are mandatory in order for you to use Services from us, will
be designated as such. We collect, use, and otherwise process personal information, business information and financial data about you for the following purposes: (i) to enable you to access and use the Site; (ii) to comply
with regulatory requirements; (iii) to maintain your Lowe's PreLoad Card Account; (iv) to process your fund transfers and transactions; (v) to enable us to provide any other Services which you have requested through use
of the Site; (vi) to personalize aspects of our overall service to you; (vii) to provide customer support that you request, resolve disputes, collect fees and troubleshoot problems; (viii) to prevent potentially prohibited
or illegal activities and enforce the applicable member Services Agreement; (ix) to measure and improve our Services, content, and advertising; and (x) any other reasonable need to use such information for the purposes
of managing the Lowe's PreLoad Card program and provide related Services.
Important Information for opening an account
To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act, a Federal law, requires all financial institutions to obtain, verify, and record information that identifies each
business that opens an account and the personal information of its owners or representatives. When applying for an account, Lowe's PreLoad Card will ask for details about the personally identifiable information about the
business owner and/or administrators and/or authorized users such as: name, address, date of birth, social security number, and other information that will allow Lowe's PreLoad Card to confirm identity. Lowe's PreLoad Card
may also ask for details about the business owner’s, administrators’ and/or authorized user’s driver’s license number or other identifying information.
Use of “Cookies”
“Cookies” are small pieces of information that are stored by your browser on your computer’s hard drive, that allow us to identify you and link you to your Lowe's PreLoad Card Account. If you choose not to accept our cookie,
we will not be able to store your Lowe's PreLoad Card username, session data or other information for subsequent log-ins or future use.
Providing visitors with anonymous access
You can access the Site home pages and browse the Site home pages without disclosing your personal information.
Sharing of Information
The information we collect may be shared on an aggregate and statistical and/or personally identifiable basis with Authorized Third Parties (credible third parties collaborating with us, who have been presented with and
utilize the services of Authorized Third Parties, for example, the Lowe's PreLoad Card issuing bank. It may be necessary to disclose customer information to such Authorized Third Parties in order to provide the Services.
Aside from sharing your information with Authorized Third Parties in order to provide the Services, as discussed above, we do not provide your personal information to any third party without your permission. Additionally,
we do not share your individual buying habits with third parties. We may provide general statistics to third parties in order to assess the market for the Lowe's PreLoad Card. We have no responsibility for the privacy policies
and other aspects of websites that we link to, including the content of those websites and any cookies those websites might deposit on your hard drive. Third parties have their own privacy policies over which we exercise
or offers or otherwise affirmatively elect to receive such information or offers, you agree to and authorize the delivery of automatic updates and/or marketing materials from Lowe's PreLoad Card and/or Authorized Third
Parties to you. In the event you wish to later opt out of receiving such information or offers, please contact us using the methods listed below under the heading CONTACTING US. Please allow several weeks for your opt-out
request to take effect. Please understand that even if you choose to opt-out, we may continue to share your non-public personal information with Authorized Third Parties and certain non-affiliated third parties as permitted
by applicable laws and regulations.
Your personal data will only be disclosed (i) to government agencies and authorities where required by applicable laws or other regulations; (ii) to enforce our Lowe's PreLoad Card Account or the terms of this Privacy
Policy; (iii) to detect, prevent or address issues relating to fraud, security breaches or other technical issues; or (iv) to protect against imminent harm to the rights, property or safety of Lowe's PreLoad Card or other parties
as may be required or permitted by applicable laws or regulations.
Confidentiality and Security
Keeping your personal information secure is very important to us. All of our employees, data processors and co-hosting facilities who have access to and are associated with the processing of unencrypted personal data are
necessary. We will take appropriate and up to date measures to the best of our abilities to protect your personal information. However, no data transmission over the Internet can be guaranteed to be totally secure, and
third parties may unlawfully intercept or access transmissions or private communications. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that
you send to us, and therefore you do so at your own risk.
You are entirely responsible for maintaining the confidentiality of your username(s), passwords(s), and your account(s), as well as all activities that occur under your account(s). You hereby agree to indemnify, defend,
and hold us, our agents, representatives and other authorized users, and each of the foregoing entities’ respective officers, directors, owners, employees, agents, representatives and assigns (collectively the “Indemnified
PreLoad Card account and the Services Agreement (if applicable), or claims arising from your Lowe's PreLoad Card account(s). You agree to use your best efforts to cooperate with us in the defense of any claim. We reserve
the right, at our own expense, to employ separate counsel and assume the exclusive defense and control of any matter otherwise subject to indemnification by you.
Privacy Practices of Third Parties, Advertisers, Vendors and Others
This website may contain advertisements and links to other sites. Lowe's PreLoad Card is not responsible for the content or privacy policies or practices of any advertisers or linked sites or for the content, privacy policies
or practices of any third parties, including without limitation the Lowe's PreLoad Card issuing bank. To the extent that you disclose personal information to any advertisers, linked sites or other third parties, which are
featured on our site, different rules may apply to their use or disclosure of personal information, and we encourage you to review their privacy policies before disclosing personal information to them.
Our Site and the Lowe's PreLoad Card features and Services may change over time and our information-gathering practices and policies may also change. While our philosophy of protecting user information from inappropriate
Policy to reflect that a change was made.
Access or Corrections to your Personal Information
You may request in writing any personal information about you that we hold, or correct or amend information about you if it is inaccurate, using the methods listed below under the heading
This website is intended for use by adults only. Lowe's PreLoad Card does not knowingly collect or use information from children.
Lowe's PreLoad Card Customer Service, P.O. 411226, San Francisco, CA 94141
Phone: Administrator/Cardholder: 1-855-515-5214.