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SavvyCard Privacy Policy

Privacy Policy

Last revised: January 1, 2012

SavvyCard is a product and service owned and operated by SavvyPhone, LLC. SavvyPhone, LLC (referred to herein as "SavvyPhone", "our", "us" or "we") knows that as a subscriber to our system and services (“Subscriber”) you care how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly. This notice describes our Privacy Policy. We are committed to respecting the privacy rights of those visiting our website at SavvyPhone.com and using our software and system which is available through our website, (hereafter collectively referred to as the "system" or "systems"). SavvyPhone created this Privacy Policy to give you confidence as you visit and use the system, and to demonstrate our commitment to fair information practices and to the protection of your privacy.

Your use of our website and the systems are also governed by our Terms of Service.

This Privacy Policy is only applicable to the system and not to any Third-Party systems or websites, which may have data collection, storage, and use practices and policies that differ materially from this Privacy Policy. For additional information, see the section concerning Third-Party systems, below.

During the initial registration, and periodically thereafter, each SavvyCard user shall be required to click “Accept” for the terms of this Privacy Policy thus acknowledging and consenting to its content. Additionally, any future material revisions to this Privacy Policy will require an additional “Accept” for the terms of an updated Policy prior to re-entry into the system.

For additional information, see the section concerning Revisions, below.

By visiting SavvyCard®, you are accepting and agreeing to the practices described in this Privacy Policy.

  • How Do We Collect Information?
  • Why Do We Collect Personal Information?
  • What Personal Information Does SavvyPhone Gather?
  • What About Cookies?
  • Does SavvyPhone Share the Information It Receives?
  • How Secure Is Information About Me?
  • What About Third-Party systems, Links to Other systems and Advertising?
  • Which Information Can I Access?
  • What Choices Do I Have?
  • Are Children Allowed to Use SavvyPhone systems?
  • Conditions of Use, Notices, and Revisions
  • Examples of Information Collected

How Do We Collect Information

We collect information from Subscribers and visitors to the systems at different points on the systems, including: when you register or create an account; when you place an order; when you enter promotions or sweepstakes; when you subscribe to a newsletter or desire to be added to our mailing lists for other products or services; when you correspond, update your account information or otherwise interact with us; when you provide user generated content (blog posts, comments, photos, videos, messages, social media, etc.); and when you provide feedback in any of our online surveys.

Why Do We Collect Personal Information?

We collect Personal Information (as defined below) to provide products and services to you, improve the manner by which we operate, offer our products and services, communicate with you about those products and services, and provide effective, timely customer support when needed. We will never rent or sell any of the Personal Information we collect from you to third parties and we do not share your personal information except as set forth in this Privacy Policy without your prior consent or as otherwise permitted by applicable law.

What Personal Information Does SavvyPhone Gather?

The information we gather from our Subscribers and visitors helps us provide products and services to you, and to personalize and continually improve your experience of SavvyPhone systems. Information we collect may include but is not limited to: your name, e-mail address, phone number, address, product preference information, billing information, demographic information provided by you (such as language, gender and age, and, if applicable, content preferences and personalization information) and personal interest information. Additionally, if you use our SavvyCard functionality, we collect and store all personal information which you choose to add to your SavvyCard. As this information will be / may be accessible by others, you should take care in adding confidential or sensitive information to your SavvyCard, such as financial information, health and medical information, and other sensitive information.

Here is more detail regarding the types of information we gather:

  • Traffic Data: Like most system operators, SavvyPhone automatically gathers information of the sort that browsers automatically make available, including: (i) IP addresses; (ii) domain servers; (iii) types of devices accessing the system; and (iv) types of Web browsers accessing the system (collectively "Traffic Data"). Traffic Data is anonymous information that does not personally identify you.
  • Information You Give Us: We receive and store any information you enter on our system or give us in any other way. See below for examples of what we collect. You can choose not to provide certain information, but then you might not be able to take advantage of many of our features. We use the information that you provide for such purposes as interacting with you, offering support, making suggestions, responding to your requests, and communicating with you.
  • Personal Information: Through your use of or visits to our systems, you may be required or requested to provide personally identifiable information and other personal information (hereafter "Personal Information") to us. Personal Information is any piece of information which can potentially be used to uniquely identify, contact, or locate a single person. “Personal Information” also includes such information protected by applicable laws relating to the privacy and security of personal data and information. Such information includes, without limitation: (1) contact data (such as your name, mailing address and e-mail address); (2) demographic data (such as your age, gender, profession, education level, country, state, city and likes and dislikes,); and may include (3) financial data" (such as your credit/debit card number and expiration date). In each case, you will be asked to provide Personal Information; the system will not gather it automatically or surreptitiously. SavvyPhone may supplement the Personal Information you provide with additional Personal Information gathered from public sources or from third-parties (e.g., consumer reporting agencies) who may lawfully provide such information to SavvyPhone. You are under no obligation to provide Personal Information - however, if you decide not to do so, you may be prevented from using certain of the features and services available on the system.
  • Automatic Information: We receive and store certain types of information whenever you interact with us. For example, like many systems, we use "cookies," and we obtain certain types of information when your Web browser accesses SavvyPhone systems and other content served by or on behalf of SavvyPhone on other systems. See below for examples of the automatic information we receive.
  • E-mail Communications: To help us make e-mails more useful and interesting, we often receive a confirmation when you open e-mail from SavvyPhone systems if your computer supports such capabilities.
  • Information that you make Public: The systems may contain features (e.g. public profiles, forums, and message boards) that permit you to upload, post, transmit, display, perform or distribute content, information or other material, including some of your Personal Information. Any information that you choose to disclose by means of such features becomes public information over which SavvyPhone is unable to exercise control. You should exercise caution when deciding to disclose your Personal Information by means of such features, and you agree to assume all responsibility for doing so.
  • Information from Other Sources: We might receive information about you from other sources and add it to our account information. See below for examples of the information we receive.

What About Cookies?

  • Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your Web browser to enable our systems to recognize your browser and to provide certain features such as the storage of key information. The purpose of a Cookie is to identify the user as a unique user of the system. SavvyPhone uses Cookies to customize your experience on the system, to remember viewing preferences, to ensure that you do not see the same information repeatedly, and to store your username so you do not have to re-enter it each time you visit the system. Like other major systems, SavvyPhone uses cookies to provide you with a tailored experience when visiting SavvyPhone systems and using our products or services.
  • We treat any Personal Information that may be contained in cookies with the same level of confidentiality as other information you provide to us. If you wish to disable cookie functionality, you may do so by changing the security settings on your browser.
  • The Help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Additionally, you can disable or delete similar data used by browser add-ons by changing the add-on's settings or visiting the system of its manufacturer. However, because cookies allow you to take advantage of some of SavvyPhone, LLC's essential features, we recommend that you leave them enabled.
  • IF YOU DO NOT WISH TO HAVE COOKIES PLACED ON YOUR COMPUTER, YOU SHOULD SET YOUR BROWSERS TO REFUSE COOKIES BEFORE ACCESSING THE SYSTEM, WITH THE UNDERSTANDING THAT CERTAIN OF THE SERVICES AND CERTAIN FEATURES OF THE SYSTEM MAY NOT FUNCTION PROPERLY OR FUNCTION AS EFFICIENTLY WITHOUT THE AID OF COOKIES. IF YOU REFUSE COOKIES, YOU ASSUME ALL RESPONSIBILITY FOR ANY RESULTING LOSS OF FUNCTIONALITY.

How Does SavvyPhone Use the Information It Receives?

Information about our Subscribers and visitors is an important part of our business, and we are not in the business of selling it to others. We share Subscriber and visitor information only as described below and with subsidiaries SavvyPhone controls that either are subject to this Privacy Policy or follow practices at least as protective as those described in this Privacy Policy.

  • Traffic Data and Information Gathered Using Cookies: SavvyPhone analyzes Traffic Data and information gathered using Cookies to help SavvyPhone better understand who is using the system and how they are using it. By identifying patterns and trends in usage, SavvyPhone is able to better design the system to improve your experience, and to serve you more relevant and interesting content. From time to time, SavvyPhone may release Traffic Data and information gathered using Cookies in the aggregate, such as by publishing a report on trends in the usage of the system. SavvyPhone does not attempt to link information gathered using Cookies to Personal Information.
  • Personal Information: Personal Information that is collected from Subscribers, visitors, Product or Services Purchases and/or Surveys is used and disclosed as described in this Privacy Policy. Except as specifically set forth in this Privacy Policy, SavvyPhone DOES NOT share Personal Information. SavvyPhone, may share aggregated information from time to time with its partners or other third parties. When such aggregate information is shared by SavvyPhone, it does not include personally identifiable information that reveals your identity.
  • Third-Party Service Providers: We employ other companies and individuals to perform functions on our behalf. Examples include system development or hosting, sending e-mail, analyzing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, and providing Subscriber service. They have access to Personal Information needed to perform their functions, but may not use it for other purposes.
  • Disclosure Practices: Except under the following circumstances and otherwise as set forth in this Privacy Policy, SavvyPhone will keep your Personal Information private and will not sell it to or share it with third parties.
    • Disclosure in Connection with Services: SavvyPhone discloses Personal Information to those who help it provide Services, including those who perform technical, administrative and data processing tasks such as hosting, billing, fulfillment, and data storage and security.
    • Third Parties Who Work With SavvyPhone: SavvyPhone may share your Personal Information with trusted vendors and partners who work with SavvyPhone. These partners are provided with your Personal Information to help us communicate with you about offers from us and from our marketing partners. They are contractually required to keep this Personal Information secure and to only use it for the purposes for which it is provided. SavvyPhone may send Personal Information about you to other companies or people when we need to share your information to provide the product or service you have requested, or to provide a product or service to you. However, these companies are only permitted to use the Personal Information for these purposes.
    • By Law or to Protect Rights: SavvyPhone discloses Personal Information when:
      • required to do so by law, or in response to a subpoena, court order or other legal request; or
      • required to do so by law, or in response to a subpoena, court order or other legal request; or
      • when SavvyPhone believes in its sole discretion that disclosure is reasonably necessary to:
        • enforce or apply our Terms of Service; or
        • protect the safety, property, or rights of SavvyPhone, our Subscribers, our visitors, third parties, or the public at large.
      This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. Obviously, however, this does not include selling, renting, sharing, or otherwise disclosing personally identifiable information from Subscribers or visitors for commercial purposes in violation of the commitments set forth in this Privacy Policy.
    • Business Transfers: SavvyPhone reserves the right to transfer all Personal Information in its possession to a successor organization in the event of a merger, acquisition, or bankruptcy or other sale of all or a portion of SavvyPhone's assets. Other than to the extent ordered by a bankruptcy or other court and subject to applicable law, the use and disclosure of all transferred Personal Information will be subject to this Privacy Policy or to a new privacy policy if you are given notice of that new privacy policy and an opportunity to affirmatively opt-out of it. Personal Information submitted or collected after a transfer, however, may be subject to a new privacy policy adopted by SavvyPhone's successor organization, as permitted under applicable law.
    • Unpaid Accounts: If you fail to pay any balance owed in consideration of Services, SavvyPhone may, as permitted by law, report you’re Personal Information, including without limitation your unpaid balance, to consumer credit reporting services, collection agencies and others.
    • Invite a Friend: When you invite family or friends to join a SavvyPhone system program, SavvyPhone shall send an email on your behalf to the indicated recipient. Your name and email address will appear in the "From" line of such email. If sending from a mobile device, your phone number may also appear.
    • With Your Consent: You will receive notice when information about you might be shared with third parties in situations not provided for in this Policy, and you will have an opportunity to choose not to share the information. Additionally, we will share Personal Information in accordance with your consent or other instructions.

Communications From Us

  • Updates and Promotional Offers: By registering as a Subscriber or making a purchase or other inquiry through the system, you consent to receive periodic email and other communications from us. For example, SavvyPhone sends all new Subscribers a welcoming email to verify password, username, and acceptance of the Terms of Service and this Privacy Policy. All Subscribers will occasionally receive information on products, services, promotions and newsletters. Individuals who have not registered with SavvyPhone and who grant permission will also receive occasional information on products, services, promotions, and the like.
  • Service Announcements: On rare occasions it is necessary to send out a strictly service-related announcement. For instance, if our service is temporarily suspended for maintenance, we might send Subscribers an email. Generally, Subscribers may not opt-out of these communications, though they can deactivate their account. However, these communications are not promotional in nature.
  • Customer Service: SavvyPhone communicates with Subscribers via email, regular mail and telephone on a regular basis to provide requested services and in regards to issues relating to their SavvyPhone account or usage.

How Secure Is Information About Me?

  • SavvyPhone uses industry standard safeguards to protect the security of the data you send us with physical, electronic, and managerial procedures. We urge you to take every precaution to protect your personal data when you are on the Internet. To make purchases from SavvyPhone system, you must use an SSL-enabled browser. SavvyPhone uses industry-standard Secure Sockets Layer (SSL) encryption on web pages used to complete a purchase. This protects the confidentiality of your personal and credit card information while it is transmitted over the Internet. We reveal only the last four digits of your credit card numbers when confirming an order. Of course, we transmit the entire credit card number to the appropriate credit card company during order processing.
  • While SavvyPhone takes reasonable precautions to ensure the security of your data, no one can completely guarantee the safety of data transmitted over the internet. It is important that you take steps to ensure the safety and security of your Personal Information, for example by not sharing passwords or other registration data. Be sure to sign off when finished using a shared computer.

What About Third-Party Systems, Links to Other systems and Advertising?

Our system may include third-party links to other systems. Except as set forth in this Privacy Policy, we do not provide any personally identifiable Subscriber or visitor information to these third-party systems.

These third-party systems sometimes use technology to send (or "serve") the information that appears on our system directly to your browser. They automatically receive your IP address when this happens. They may also use cookies, JavaScript, web beacons (also known as action tags or single-pixel gifs), and other technologies to measure the effectiveness of their information and to personalize its content. We do not have access to or control over cookies or other features that they may use, and the information practices of these advertisers and third-party systems are not covered by this Privacy Policy. Please contact them directly for more information about their privacy practices. In addition, the Network Advertising Initiative (networkadvertising.org) offers useful information about Internet advertising companies (also called "ad networks" or "network advertisers"), including information about targeted or interest-based advertising, and how to opt-out of their information collection.

Which Information Can I Access?

SavvyPhone gives you access to a broad range of information about your account and your interactions with SavvyPhone for the limited purpose of viewing and, in certain cases, updating that information. You can access your information by logging into https://www.savvycard.com/account/login and then entering your email and a password.

What Choices Do I Have?

  • As is discussed above, you can always choose not to provide information, even though it might be needed to make a purchase or to take advantage of certain SavvyPhone features.
  • If you do not want to receive e-mail or other mail from us, please adjust your Notifications preferences. (If you do not want to receive Terms of Service and other legal notices from us, such as this Privacy Policy, those notices will still govern your use of SavvyPhone systems, and it is your responsibility to review them for changes.)
  • The Help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Additionally, as discussed more fully above, you can disable or delete similar data used by browser add-ons by changing the add-on's settings or visiting the system of its manufacturer. However, because cookies allow you to take advantage of some of SavvyPhone's essential features, we recommend that you leave them enabled.

Are Children Allowed to Use SavvyPhone Systems?

SavvyPhone is committed to the safety of all children. Persons under the age of 18 may not register as a SavvyPhone Subscribers. SavvyPhone does not sell products or services for use or purchase by children. If you are under 18, you may use the systems only with the involvement of a parent or guardian. SavvyPhone does not solicit or knowingly collect personally identifiable information from children under the age of 13. If SavvyPhone obtains actual knowledge that it has collected personally identifiable information from a child under the age of 13, SavvyPhone will promptly delete such information from its database. Because SavvyPhone does not collect personally identifiable information from children under the age of 13, SavvyPhone has no such information to use or disclose to third parties. SavvyPhone has designed this Privacy Policy in order to comply with the Children's Online Privacy Protection Act (COPPA).

Terms of Use, Notices, and Revisions

If you choose to visit SavvyPhone systems, your visit and any dispute over privacy is subject to this Privacy Policy and our Terms of Service, including limitations on damages, resolution of disputes, and application of the law of the state of Florida. If you have any concern about privacy at SavvyPhone, please contact us with a thorough description, and we will try to resolve it. You may reach us by email at: . Our business changes constantly, and our Privacy Policy and the Terms of Service will change also. We may e-mail periodic reminders of our notices and conditions, unless you have instructed us not to, but you should check our system frequently to see recent changes. Unless stated otherwise and to the extent permitted by applicable law, our current Privacy Policy applies to all information that we have about you and your account. We stand behind the promises we make, however, and will never materially change our policies and practices to make them less protective of Subscriber information collected in the past without the consent of affected Subscribers.