Pomelo Privacy Policy

  1. Objective

    Pomelo values customer trust and respects a customer’s privacy. This policy explains what information we collect about customers, with whom we share it, and how customers can direct us not to share certain information with certain parties. We are committed to maintaining the confidentiality of a customer’s personal financial information in accordance with our established policies and in compliance with applicable law. This document outlines the manner in which we collect, use and maintain the nonpublic personal information we receive from and about customers.

  2. Definitions
    • We, our, and us, means Pomelo
    • You and your, means customers of Pomelo
    • Nonpublic personal information, means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter we will use the term “information” to mean nonpublic personal information as defined by this section. 
    • Affiliate, means a company Pomelo owns or controls, a company that owns or controls Pomelo, or a company that is owned or controlled by the same company that owns or controls Pomelo. These affiliates may have access to your information needed to perform their business functions, but we do not permit them to use or share the information for any other purpose.
    • Nonaffiliated third party, means a person not employed by Pomelo or a company that is not an affiliate of Pomelo.  
    • Opt out, means a choice you can make to prevent certain sharing or use of information. We will explain how you can exercise this choice.

  3. Our Collection and Use of Information About You

    We collect nonpublic personal information about you in order to administer our business, process your transactions, understand your needs, and provide you with products and services. We obtain nonpublic personal information about you from the following sources:

    • Information you provide to us when applying and in requests by telephone, through our website, and through other channels (such as your name, Social Security number, postal address, email address, telephone number and date of birth).
    • Information about your transactions with us, joint marketers, or others (such as your card balance, payment history, parties to transactions, and card usage); and
    • Information we receive from other sources (such as a consumer reporting agency) in the process of verifying your application information or other information required in the decision process.

  4. Our disclosure of information
  5. We may disclose all of the information we collect, as described above, to companies (including affiliates) that perform services on our behalf, including those who assist us in preparing and distributing cardholder communications, and responding to customer inquiries. We will also disclose information about your card, membership, and transactions: (a) to service your account; (b) where it is necessary or helpful to effect, process, confirm or enforce a transaction you request or your membership rights and obligations; (c) to verify the existence and availability of credit associated with your card; (d) to comply with legal process, such as subpoenas and court orders; (e) to law enforcement authorities if we believe a crime has been committed; (f) to our agents, service providers and auditors, and (g) if you give us your consent. We may also disclose nonpublic personal information about you as permitted by law.

  6. Other Disclosures
  7. We may enter into arrangements with non-affiliated parties, such as financial service providers, lenders, insurance providers and agencies, card issuers, retailers and direct marketers, in order to provide you with special offers that we believe may be of value to you. We may disclose contact information to those parties who may want to offer their products and services to you, unless you opt-out as described below.

  8. Use of Agents
  9. We may use an outside shipping company to fulfill orders, and a card processing company to bill you for goods and services. These companies do not retain, share, store or use personally identifiable information for any other purpose.

  10. Use of Service Providers
  11. We use other third parties to provide statistical tracking and advertising effectiveness for our web site. When you sign up for Pomelo services, we may share information such as your name and address and other information as necessary for the third party to provide that service. These third parties are prohibited from using your personally identifiable information for any other purpose.

  12. Choice/Opt-Out

    As described in this privacy policy, we may use nonpublic personal information about you for certain marketing and promotional activities, including disclosure of such information to non-affiliated third parties. You have the right to opt out of this use and disclosure of nonpublic personal information at any time before or after you submit such information through one of the two following methods:

    By email:     support@pomelo.com

    By Mail:     Pomelo, P.O. Box 71339, Salt Lake City, UT 84171-0339

  13. Special Notice for Vermont and California Residents

    Pomelo does not disclose information about consumers with a Vermont or California mailing address to unaffiliated third parties without your written authorization, unless otherwise permitted by law. Disclosures that are permitted under Vermont and California law without written authorization include, among others, disclosures necessary to effect, administer or enforce a transaction you request; disclosures to our authorized agents and service providers; disclosures permitted or required by law or disclosures to prevent fraud or other illegal activities.

    Written authorizations from Vermont residents may be delivered to us by mail at Pomelo, P.O. Box 71339, Salt Lake City, UT 84171-0339 or by email at support@pomelo.com. Vermont authorizations must contain your name, address and signature and your authorization to disclose your information to nonaffiliated parties. You may revoke your consent at any time by sending us written notice by mail or email at the addresses above.

    California residents should contact us at the addresses provided above for instructions on how to deliver their authorizations.

  14. Communications from our Web Site

    We will occasionally send you information on new products, features or promotions. Out of respect for your privacy, we present the option not to receive these types of communications. Please see the “Choice/Opt-Out” section above.

    In addition, we may also send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.

  15. Information Security

    We restrict access to nonpublic personal information about you to our employees who have a need to know such information (e.g., to process your transactions). We train our employees on the importance of customer privacy and confidentiality. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard the nonpublic personal information of our customers.

    The security of your personal information is important to us. When you enter sensitive information (such as your Social Security number) on our registration or order forms, we encrypt that information using the secure socket layer technology (SSL).

  16. Links to Other Websites

    Our web site may feature links to third party web sites that offer goods, services, or information. Some of these sites may appear as windows-within-windows at our web site. When you click on one of these links, you will be leaving our site and will no longer be subject to this policy. We are not responsible for the information collection practices of the other web sites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.

  17. Other Privacy Rights

    You may have other privacy protection under some state laws. We will comply with applicable state laws regarding information about you. For example, certain state laws may restrict the types of information we may disclose about you or require us to provide you with additional notices or opt-out rights.

  18. Maintaining Accurate Information

    We have a process in place that helps us to maintain the accuracy of the personally identifiable information that we collect. Please visit our web site at https://www.pomelo.com to review and correct information about yourself, such as a change in your contact information. If you believe that our information is inaccurate or incomplete, you may contact us as listed at the end of this document and ask us to correct or update our information.

  19. Changes to this Policy

    We may add to, delete from, or otherwise change the terms of this Privacy Policy from time to time by posting a notice of the change (or an amended Privacy Policy) at this website. If required by law, we will send you a notice of the change by a method that we select and that complies with applicable state and federal laws as well as the terms of your cardholder agreement. Such methods could include email, postal mail and/or posting on this website. Your continued use of our web site or any service following such notification will constitute evidence of your agreement to the revised Privacy Policy.

  20. Annual Notice

    Pomelo will provide an annual notice of its privacy policies and practices during the continuation of a customer relationship.

  21. Questions

    If you have any questions regarding this Privacy Policy, you can contact us in the following ways: 

    By email:     support@pomelo.com

    By Mail:     Pomelo, P.O. Box 71339, Salt Lake City, UT 84171-0339

    Penalties for Non-Compliance: Non-compliance with any policy or standard may expose the Company to unacceptable risk. Any deviation can subject the offender to disciplinary action, including dismissal. If adherence to any policy or standard is believed to be unwarranted, documentation substantiating that assessment must be forwarded to the Information Security Officer and Human Resources.