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Privacy Policy

FACTS

WHAT DOES REPUBLIC PROCESSING GROUP, A DIVISION OF REPUBLIC BANK & TRUST COMPANY, 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:
– Social Security number and payment history
– transaction history and credit history
– credit card or other debt and income
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 Republic Processing Group chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Do We share? Can you limit this sharing?
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 Yes No
For our marketing purposes — to offer our products and services to you Yes No
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes — information about your transactions and experiences No We don’t share
For our affiliates’ everyday business purposes — information about your creditworthiness No We don’t share
For nonaffiliates to market to you Yes Yes

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

To limit our sharing Call toll free 1-800-634-9558 – our menu will prompt you through your choice(s) Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions? Call 1-800-634-9558 or go to www.thebuildcard.com
Who we are
Who is providing this notice? This privacy notice is provided by Republic Processing Group, a division of Republic Bank & Trust Company, and describes the sharing practices applied to financial products program managed by FS Card, Inc. and serviced by CardWorks Servicing, LLC.
What we do
How does Republic Processing Group 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.
How does Republic Processing Group collect my personal information? We collect your personal information, for example, when you:

  • open an account or apply for a loan
  • provide account information or use your credit or debit card
  • give us your income information

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.

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. § Republic Processing Group does not share with our affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. § Nonaffiliates we share with can include third party service providers, third party processors, financial service companies, retailers, third party servicers, retailers, direct marketing companies and nonprofit organizations.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. § Republic Processing Group does not jointly market.
Other important information
California and Vermont Residents Only: Accounts with a California or Vermont mailing address are automatically treated as if they have limited the sharing as described on page 1. We will not share your information except for our everyday business purposes, marketing our products and services to you, and as required or permitted by law.