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Your Privacy Rights

      This Privacy Policy describes your privacy rights regarding our collection, use, storage, sharing and protection of your personal information. It applies to the Bumeno.com             website and all related sites, applications, services and tools regardless of how you access or use them. 

      You accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related       sites, applications, and services (collectively "Bumeno Services"). We may amend this policy at any time by posting a revised version on our website. The revised version             will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days’ prior notice by posting notice of the           change on the "Policy Updates" page of our website.


How we collect information about you

When you visit the Bumeno.com website or use Bumeno Services, we collect information sent to us by your computer, mobile phone or other access device. The information sent to us includes data on the pages you access, your computer IP address, device identifiers, the type of operating system you’re using, your location, mobile network information, standard web log data and other information. Web log data includes the browser type you’re using and traffic to and from our site. When you visit the Bumeno.com website or use Bumeno Services, we also collect information about your transactions and your activities.

In addition, if you open a Bumeno account or use Bumeno Services, we may collect the following types of information:

  • Contact information, such as your name, address, phone, email and other similar information.
  • Financial information, such as the full bank account numbers and/or credit card numbers that you link to your BUMENO account or give us when you use BUMENO Services.
  • Detailed personal information such as your date of birth or social security number.

We may also obtain information about you from third parties such as credit bureaus and identity verification services.

You may choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter). The information we may receive varies by site and is controlled by that site. By associating an account managed by a third party with your Bumeno account and authorizing Bumeno to have access to this information, you agree that Bumeno may collect, store and use this information in accordance with this Privacy Policy.

In order to help protect you from fraud and misuse of your personal information, we may collect information about your use and interaction with our website or Bumeno Services. For example, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity.

We may also collect additional information from or about you in other ways, such as through contact with our customer support team, results when you respond to a survey and from interactions with members of the iFederated inc. corporate family or other companies.

How we use Cookies


When you access our website or use Bumeno Services, we (including companies we work with) may place small data files on your computer or other device. These data files may be cookies, pixel tags, "Flash cookies" or other local storage provided by your browser or associated applications ("Cookies"). We use these technologies to: recognize you as a customer; customize Bumeno Services, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across our sites and Bumeno Services.


We use both session and persistent Cookies. Session Cookies expire and no longer have any effect when you log out of your account or close your browser. Persistent Cookies remain on your device until you erase them or they expire.


We encode our Cookies so that we can interpret the information stored in them. You are free to decline our Cookies if your browser or browser add-on permits, but doing so may interfere with your use of our website and Bumeno Services. Refer to the help section of your browser, browser extensions, or installed applications for instructions on blocking, deleting, or disabling Cookies.


You may encounter Bumeno Cookies on websites that we do not control. For example, if you view a web page created by a third party or use an application developed by a third party, there may be a Cookie placed by the web page or application. Likewise, these third parties may place their own Cookies that are not subject to our control and the Bumeno Privacy Policy does not cover their use.


How we protect and store personal information


Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user.


We store and process your personal information on our computers in the US and elsewhere in the world where our facilities are located. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.


How we use the personal information we collect


Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:

  • provide BUMENO Services and customer support;

 

  • process transactions and send notices about your transactions;


  • resolve disputes, collect fees, and troubleshoot problems;


  • prevent potentially prohibited or illegal activities, and enforce our User Agreement;


  • customize, measure, and improve BUMENO Services and the content, layout, and operation of our websites and applications;


  • deliver targeted marketing, service update notices, and promotional offers based on your communication preferences;


  • contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging, as authorized by our User Agreement.


  • compare information for accuracy and verify it with third parties


Marketing


We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your information with information we collect from other companies and use it to improve and personalize Bumeno Services, content, and advertising. If you do not wish to receive marketing communications from us or participate in our ad-customization programs, simply indicate your preference by logging into your account and going to the Notification section under the Settings tab and updating your preferences, or by following the directions that may be provided within the communication or advertisement.


We respect your communication preferences. If you no longer wish to receive notifications via our application, you can adjust your preferences by visiting the settings page of the application.


We may call or text message (SMS) you at a mobile phone number that you have provided to us. You can indicate your contact preferences by logging into your account and adjusting your preferences in your Account Information Settings or by following the directions provided within the communication.