MAJORITY PRIVACY POLICY
Introduction
Majority USA, LLC and its affiliates ("Company", “Majority, “us” or "we") respect your privacy and are committed to protecting it through our compliance with this Privacy Policy.
This Privacy Policy applies to all the products and services offered by Majority (including on our website, www.majority.com (“Website”) and mobile application (“App”) (collectively, the “Services”)) to consumers in the U.S., except where a product or service has a separate privacy notice that does not incorporate this Privacy Policy. You accept this Privacy Policy by using our Services. You also accept our Terms of Service, which are incorporated by reference into this Privacy Policy.
Please see our U.S. Consumer Privacy Notice, which applies to personal information subject to the Gramm-Leach-Bliley Act (the "GLBA") for individuals who reside in the United States and use our Services for personal, family, or household purposes. For Services that we offer with WebBank, please see WebBank’s Privacy Notice, which applies to personal information collected in connection with WebBank services, such as a secured credit card account.
Some of the products and services made available to you in the App are not provided by us but are instead offered and provided by third parties (herein referred to as "Partner Services" and our "Partners"). These Partners have their own privacy policies and notices (each a "Partner Privacy Notice") that apply to personal information collected in connection with those Partner Services, and our use of such information will be consistent with the applicable provisions of that Partner Privacy Notice.
Children Under the Age of 18
Our Services are not intended for children under 18 years of age. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information, subject to our obligation to retain information under applicable law or regulation. If you believe we might have any information from or about a child under 18, please contact us at [email protected] or call 1-855-553-3388.
Personal Information We Collect About You and How We Collect It
We collect personal information from the following sources:
- Directly from you when you provide it to us.
- Automatically as you navigate to, through and from the Website or App. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
- From third parties, for example, our identity verification partners and advertising partners.
Personal Information You Provide to Us
The personal information you provide us may include:
- Personal identifiers and contact information such as your name, address, mobile phone number, email, Social Security number, tax identification number, date of birth, and information that appears on your government issued identification card (and a copy thereof).
- Biometric information such as an image of your face from which an identifier template, such as a faceprint, can be extracted.
- Geolocation information.
- Customer support, email and social media interactions, such as your correspondence with us through these channels. When we send you these communications, we may track whether you open them to learn how to deliver a better customer experience and improve our Services.
- Device contact lists.
- Your search queries on the Website.
- Your language preference.
- Your country of origin.
- If you make a transaction through our Services, your payment-related information, such as debit card number, bank account numbers, or other financial and account information could be requested by us or our third-party payment processor on our behalf.
Personal Information We (or our Partners) Collect Through Automatic Data Collection Technologies
As you navigate through and interact with our Services, we may use automatic data collection technologies to collect certain personal information about your device, browsing actions and patterns to help us understand how you use our Services and help us improve them, including:
- Details of your interactions with our Services, including traffic data, location data, logs, and other communication data and the resources you access and use on the Website and in the App.
- Information about your device and internet connection, including your IP address, operating system, browser type, operating system version, phone carrier and manufacturer, application installations, device identifiers, mobile advertising identifiers, and push notification tokens. We obtain and use geolocation information when you provide us consent to do so or select to use any of the relevant features in the App. We may use such location information for the following purposes: to provide location-based services and features you request, such as viewing location maps for ATM and cash deposit locations; for internal analytics to understand how our Services are used and to better serve our users; to provide relevant and targeted advertising, offers or promotions based on your general location, such as viewing promotional offers ‘near me’; and for security and fraud prevention purposes, such as if you select to verify your address via geolocation as part of the identity verification process.
If you permit us to access the address book on your device, we will access names and contact information from your address book to facilitate interactions that you initiate through our Services and for other purposes described in this Privacy Policy or at the time of consent or collection.
The technologies that we (or our Partners) use for this automatic data collection may include:
- Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. We use both essential and non-essential cookies. Essential cookies are strictly necessary for the operation of our Website. They enable core functionality such as page navigation, language selection and country selection. Without these cookies, the Website cannot function properly. Non-essential cookies are not required for the basic operation of our Website but help us improve your experience, such as by enabling analytics, personalization, and advertising features.
When you first visit our Website, you will be prompted to choose whether to accept all cookies or decline non-essential cookies. If you decline non-essential cookies, only essential cookies necessary for the proper functioning of the Website will be placed on your device.
You may refuse to accept cookies at any time by going to the “Privacy Choices” tool located at the bottom of the Website and declining all non-essential cookies. However, blocking essential cookies may affect the functionality of the Website. For information about managing your privacy settings for cookies, see Your Privacy Choices below.
- Web Beacons. These are small electronic files (including clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
- Measurement and Optimization SDKs: Our App integrates the Measurement and Optimization Software Development Kits (‘SDK’) from third party platforms, such as the Adjust SDK, to optimize advertisements we place in order to acquire new users or deepen our engagement with existing users, and to analyze App usage. We may share some limited, anonymized data with such third parties in order to optimize ads for Majority that run on third party platforms. Doing this helps us reduce our customer acquisition costs, allowing us to provide our Services at a lower cost to you and others like you. Please note that such third parties have their own data use policies.
Personal Information We Collect From Third Parties
We may collect the following categories of personal information from third parties:
- Personal identifiers and contact information such as name, address, Social Security number, tax identification number, date of birth, and information that appears on your government issued identification card.
- Financial details such as bank account numbers, accountholder name and details, and transaction details.
- Information about you in connection with fraud, identity verification, and other purposes related to legal and regulatory compliance.
- Additional information about you, from third parties such as data or marketing partners, including the use of analytics services such as Google Analytics to collect information about your use of other websites apps, and online resources. You can learn more about Google’s practices by visiting https://www.google.com/policies/privacy/partners/.
How We Use Your Personal Information
We use personal information for the following purposes:
- To provide the Services to you. This includes allowing you to access and use the Website, creating and administering your account in the App (the “Majority Account”); enabling you to use the Services and any features that you use within the Services (including Majority Visa Credit Card rewards programs and to facilitate transactions and payments); and communicating with you (including through push notifications or text messages) and responding to any inquiries you may have, responding to comments and questions you have, and otherwise providing customer support to you; and analyzing your use of the Services to allow us to evaluate and improve the Services or to extend our services offering.
- Analysis, research and development, and improving our Services. We may use personal information to analyze and improve the Services, identify trends, and operate and expand our business activities. We may also create aggregated, anonymized, or other de-identified statistics, which we may use for lawful business purposes, including for analytics, forecasting, or strategic planning and share with third parties.
- Marketing and advertising, including for:
- Direct marketing. We may send direct marketing communications, including, but not limited to, sending newsletters or publications, and notifying you of promotions, offers and events via postal mail, email, telephone, text message, and other means.
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- Interest-based advertising. We engage our advertising partners, including third party advertising companies and social media companies, to advertise our Services.
- For compliance and protection, including to enforce any applicable terms and conditions, comply with legal obligations (including for tax and accounting obligations) or as requested by any judicial process or governmental agency, defend against legal claims or disputes, protect the security and integrity of our Services, to verify your identity, and to identify, investigate, and prevent fraudulent, harmful, unauthorized, unethical or illegal activity.
Disclosure or Transfer of Your Personal Information
We may disclose personal information as follows:
- To our affiliates for purposes of performing the activities described herein or for such affiliates’ own business purposes related to your transactions and experiences with Majority. Such affiliates could be located in the U.S. or abroad.
- To contractors, service providers, partners, and other third parties (whether located in the U.S. or abroad) we use to support our business and who are bound by contractual obligations to keep personal information confidential and protected and use it only for the purposes for which we disclose it to them.
- To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Majority’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Majority about our Website users is among the assets transferred.
- To fulfill the purpose for which you provide it, such as when you submit your language preference to us or specify your diaspora/country of origin.
- For any other purpose disclosed by us when you provide the information.
- With your consent.
We may also disclose your personal information:
- To comply with legal requirements such as to comply with subpoenas, court orders, laws or regulations, or legal process, including to respond to any governmental, judicial or regulatory request, to verify or enforce our terms of use, our other rights, or other applicable policies, or to address fraud, security or technical issues.
- To enforce or apply our Majority Terms of Service and other agreements or policies.
- To address fraud, security or technical issues.
- If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Majority USA, LLC, our affiliates, our Partners, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
We do not rent, sell, or share information about you with non-affiliated companies for their direct marketing purposes.
International Data Transfers
- Your personal information may be transferred to, stored, and processed in countries other than the country where you reside or are located, including the United States and Sweden, where we and our affiliate companies are located.
- These countries may have data protection laws that are different from the laws of your country. However, we have taken appropriate safeguards to require that your personal information remain protected in accordance with this Privacy Policy.
- By using our Services and providing us with your personal information, you are providing your express authorization for these international transfers.
Biometric Information
- We collect and process biometric information, such as facial images and measurements of facial geometry, to verify your identity, prevent fraud, and comply with legal requirements. We may share biometric information with our trusted identity verification service providers, who process it on our behalf and in accordance with our instructions and as required by applicable law or governmental authority.
- We retain biometric information only for as long as necessary to fulfill the verification purpose or as required by applicable law. We use appropriate technical and organizational measures to protect biometric information from unauthorized access, use, or disclosure.
- By using our identity verification features, you acknowledge that you have read and understood this section and consent to the collection, use, and disclosure of your biometric information as described in this Privacy Policy.
Your Privacy Choices
We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your personal information:
- Unsubscribe from Direct Marketing. You may opt out of marketing-related communications by following the opt out or unsubscribe instructions contained in the marketing communication we send you. You may continue to receive service-related and other non-marketing communications.
- Choices Concerning Data Sharing. If you apply for, sign up to, and use a Majority Account (as defined in the Majority Terms of Service), we provide additional information about how we share your personal information and, if applicable, your choices in relation to such sharing. Please visit our Consumer Privacy Notice for further information.
- Consumer Privacy Rights. Under applicable data protection law, depending upon the jurisdiction in which you reside and subject to applicable exceptions and differences in definitions among various states, you may have certain rights about how your personal information is collected, stored, used and shared. These rights do not apply to personal information protected by the Gramm-Leach-Bliley Act (the "GLBA"), such as information you provide when you apply for, sign up to, and use a Majority Account (as defined in the Majority Terms of Service). For more information about how we handle this information, please visit our Consumer Privacy Notice, which explains your choices with respect to the use and sharing of this personal information.
- Information. You may have the right to obtain information about how we collect, use, and share your personal information. We provide this information within this Privacy Policy.
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- Access, correction and deletion. You may also have the right to request access to your personal information, to correct personal information that is out of date or inaccurate, or to delete personal information that is no longer needed for a permitted purpose. To submit such a request to delete personal information that is no longer needed for a permitted purpose, click here. To submit such request for access or correction, please contact us as provided in the ‘Contact Information’ section below, and we will endeavor to resolve your questions or concerns. We may ask for specific information from you to help us confirm your identity. Where these rights apply, you can empower an authorized agent to submit the request on your behalf in accordance with applicable law. You are entitled to exercise these rights free from discrimination.
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- Sharing personal information for targeted advertising. We use cookies on our Website to help us advertise our Services on other websites or services you might visit. We share information with advertising networks and analytics partners to support our interest-based advertising, which may qualify as a sale or sharing of personal information, or targeted advertising, under applicable law. You can opt-out of our use or sharing of personal information for these purposes related to your use of our Website the first time you visit when prompted with our cookie banner on the Website or at any time thereafter by going to the “Privacy Choices” tool located at the bottom of the Website and declining all non-essential cookies. Please note that your opt-out will be specific to the device and browser you use when decline the non-essential cookies.
- Tracking Technologies and Advertising. As mentioned above, you can opt out of tracking and advertising cookies by declining non-essential cookies. Essential cookies are first-party cookies (meaning cookies deployed by us) that allow the Website to function correctly. You cannot opt out of essential cookies. However, you can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies via your browser settings, please note that some parts of our Website may then be inaccessible or not function properly. If you accept all cookies but then want to opt-out later, you can do so by clearing your cookies in your web browser and then declining non-essential cookies when you next visit the Website.
Regulatory Obligations and Your Privacy Rights
Please note that Majority may be subject to stringent laws and regulations in the jurisdictions where we are incorporated. These legal obligations are designed to promote financial integrity and prevent illicit activities, such as money laundering, and may require us to collect, verify, and retain certain personal and transactional data for a specific legally mandated period.
Please be aware that these legal and regulatory requirements may override certain privacy rights granted to you under data protection laws. For example, while you may have a right to request the deletion of your data, we may be legally required to retain certain data for a legally prescribed period to comply with our regulatory obligations.
In such cases, our legal duty will take precedence. We will only process and retain your data to the extent necessary to meet these legal mandates and will continue to protect it in accordance with this Privacy Policy.
Retention of Personal Information
We will retain your personal information for as long as reasonably necessary to fulfill the purpose(s) for which it was collected, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws or regulations.
Linking to Third Party Websites
We may provide links to websites that are owned or operated by other companies ("third-party websites"). When you use a link in our Website to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.
Changes to This Privacy Policy
We reserve the right to amend this Privacy Policy at our discretion and at any time by posting a revised version on our website or our App. If there are any material changes to this Privacy Policy, we will notify you as required by applicable law. The date the Privacy Policy was last revised is identified at the bottom of the page. You are responsible for periodically visiting our Website, App, and this Privacy Policy to check for any changes.
Contact Information
To ask questions about this Privacy Policy or our privacy practices, contact us:
- Via an in-App message: Go to the “Profile” tab in the App, then select the “Support” tab to send us a message in-App.
- Via email: email us at [email protected]
- Via phone: call us at 1-855-553-3388
Last Updated: December 18, 2025