YOUR PRIVACY IS OUR PRIORITY
At Higher One, we take your privacy and online security very seriously. During card set up, you’re providing us with personal information about yourself. Higher One understands the importance of protecting the safety and confidentiality of the information you provide and we treat this information with the utmost security and respect. This Privacy Statement (this 'Statement') details what personal information we collect from our users’ as well as how we use it and safeguard it. This Statement applies exclusively to www.higherone.com.
In addition to any legal compliance associated with the handling of your information, Higher One wants to earn your trust. Therefore, we’ve taken a number of steps to make sure that your information is as safe as possible, including but not limited to:
There are important steps you can take yourself to help insure the safety of your information online. Some suggestions:
Occasionally, there may be products or services, either from our own affiliated companies or businesses that have partnered with us, which we think may be of interest to you. If we feel these products and services would provide added value to a cardholder, you’ll hear about these special offers from us, and not from a third party. Rest assured that Higher One would never share information with a company or entity that is not affiliated with us. You can control how Higher One contacts you through the notifications page on the OneCard Web site. Just log in and from the main menu bar select "Profile" then "Notifications". We may also share your contact information such as name, address, phone number and email address with your school so that we, and they, can better serve you.
Information Collection and Use
When you visit the Site as a user, you can browse anonymously. When you visit the Site to activate your debit card, we require certain personal information from you. Specifically, we request your card number and require you to establish a username and passcode. We also collect your banking information including account number and routing number, which is stored as a part of your user account record, which includes information such as your name, email and physical address, phone number, social security number, government issued ID, and date of birth. This collected information establishes your online account profile. Please note that we use this collected information to service your account needs as they arise. Higher One does not share your personal information with any third parties for their promotional purposes. We may also use your email depending on your selected preferences to send you promotional emails with news of our contests and new product offerings.
Higher One collects certain information from visitors and users of the Site including, but not limited to, Internet addresses. This web site navigational information is collected and retained to help diagnose technical problems, to analyze trends, to track users' movements and to administer the Site in order to constantly improve the quality of the Site and our service. Higher One may also track and analyze individual usage and volume statistical information from our visitors and customers.
Information Sharing and Disclosure
Under certain circumstances, Higher One may disclose collected information to third parties or government agencies where necessary to comply with (i) a formal request or (ii) applicable law including, but not limited to, responding to a subpoena, a judicial proceeding, or a court order. We also reserve the right to disclose information to our service providers where necessary in allowing us to facilitate services to you on our behalf.
Higher One may disclose and transfer the information obtained from you through this Site or the service as part of a merger, acquisition or other sale of its assets or business. In such an event, the users shall be notified of any material changes to the information practices governing your information by email, or a prominent notice on the Site.
Higher One uses a third party agent to fulfill your transactional and payment processing banking needs made on the Site. This third party agent is a financial banking institution in compliance with all the legal requirements of operating in this capacity and is authorized to use your shared personal information specifically and exclusively for fulfilling banking transactions on our behalf. We also employ the services of a third party agent in hosting our FAQ section.
When a user elects to transfer money to another Higher One account holder, we request the third party’s name, email, mailing address and banking information such as account and routing number to fulfill the requested transaction. We do not use or share this third party personal information for any purposes beyond fulfilling your request.
Access & Opt-Out
When you visit our Site, our Web server sends a cookie to your computer. Cookies are files that Web browsers place on a computer’s hard drive and are used to indicate whether you have visited the Site previously.
Choices about Cookies: You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is set. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences.) Should you choose to reject all cookies, you will not be able to use services that require you to "sign in," and you may not be able to take full advantage of all of our offerings.
Third Party Cookies
The Site contains links to other websites. Higher One is not responsible for the privacy practices or the content of these other websites. Users and visitors will have to check the policy statement of these other websites to understand their respective policies. Users and visitors who access a linked site may be disclosing their private information. It is the responsibility of the user to keep such information private and confidential.
Security and Data Storage
Our Site has security measures in place to help protect against the loss, misuse, and alteration of the personal information and data under our control. Higher One hosts the Site in a secure server environment that uses a firewall and other industry-standard technology to help prevent interference or access from outside intruders including the use of Secure Socket Layer technology during the transmission of sensitive information. Higher One also requires that unique user names and passwords must be entered each time a user logs on to the Site.
Changes to this Statement
Higher One may update this Statement at any time so please review it frequently. If we make any material changes, we will notify you, by email or by a notice posted on the home page of the Site.
If you have any questions about this Statement or the practices of this Site, please contact us using the address below.
Customer Service Mailing Address:
Higher One, Inc.
115 Munson Street
New Haven, CT 06511
Your trust in Higher One is essential to us and that is why it is critical that Higher One goes above and beyond what is required of us to assure you and your family that we’re concerned and proactive with your online security. If you have problems or concerns, you can contact Customer Service at anytime (24 hours a day). Log on to your program website, and click on the link for "EasyHelp", where you can find answers to frequently asked questions, or even submit a question or concern.