This website (“Website”) is operated for Capital Group by Reward Gateway (USA) Inc (“Reward Gateway”). Reward Gateway is committed to protecting the privacy and security of your personal information. We want to share with you how we treat personal information about you that we receive in connection with this Website.

Also, please bear in mind that use of this Website is governed by the Terms of Use posted on the Website. Reward Gateway expressly excludes any representation or warranty, express or implied, with respect to the information available on this Website. Reward Gateway makes no representation about any third-party websites that may be accessed via links from this Website. By using this Website, you agree with the laws of the State of New York, without regard to its conflict of laws principles, will govern all matters between you and Reward Gateway with respect to your use of this Website.

Information We Collect

Reward Gateway collects personal information from you when you register for a service, when you make a purchase through our service, when you wish to withdraw Cashback and transfer it to your bank account and when your employer provides one of our services to you. Personal information is information about you that is personally identifiable.

In order to protect your privacy, Reward Gateway will, depending on the type of product or service you use and type of access you have to our services, collect and store the following types of personal information: your name, gender, email address, date of birth, postal address, billing address, shipping address, credit card payment details (we do not store these), bank account details (these are encrypted and stored only on a temporarily basis), employee ID, employment hire date, any other unique identifier provided to us at the discretion of your employer, information on your personal preferences, shopping habits and discount and benefit preferences and any other information that you decide to provide us with. We only collect your personal information if you voluntarily submit the information to us when, for example, you create an account, when you enroll for benefits or when you communicate with us via the Website. Except as otherwise provided herein, Reward Gateway does not retain any information about you if you are not registered on our Website. For your information, through certain technologies employed by this Website, we also collect non-personally identifiable information about you. For more details about this type of data collection, please refer to the section below on cookies.

To protect your security and privacy, we require that you (as opposed to a third party on your behalf) enter the personal information that we collect and that the information be current, although Reward Gateway disclaims any legal duty to verify the accuracy of any personal data that you provide to Reward Gateway. You are free to access the personal information that we hold in relation to you by viewing the ‘my account’ page on the Website.

How We Use the Information We Collect and Who We Share It With

Use of Data

Unless otherwise specified herein, Reward Gateway reserves the right to compile, save, use within the scope of our activities, and analyze any and all data about you (contact and personal data, use history, etc.) that we collect from you through the Website.

Reward Gateway will use the information that you provide, together with other information including records of sites that you visit through Capital Perks for administrative and marketing purposes, such as:

  • to fulfill your requests for products and services;
  • to improve our services;
  • contacting you;
  • conducting internal analyses such as surveys and market research;
  • processing and completing orders;
  • processing your payment; and
  • administering your account;

We also use your personal information to communicate with you for reasons that include: to provide you with tailored offers, to highlight products and services that we believe may be of interest to you by providing a tailored online experience and, where you have opted to receive it, sending you tailored email and or SMS newsletters and marketing.

We also use IP addresses to analyze trends, administer the Website, and gather broad demographic information for aggregate use. However, please be assured that IP addresses are not linked to personally identifiable information and that this aggregate data will in no way personally identify you or any other visitors to the Website. For audit and legal reasons, information received in this way may be retained and, if so retained, will be kept securely.

From time to time, we may collect general, non-personal, statistical information about the use of the Website, such as how many visitors visit a specific page on the Website, how long they stay on that page and which hyperlinks, if any, they “click” on. We collect this information through the use of “cookies” and other tracking technologies, which are discussed in greater detail below in the section on cookies. We collect this information in order to determine which areas of the Website are most popular and to enhance the Website for visitors. As with other aggregated data, we may disclose such data to our existing or potential business partners, affiliates, sponsors or other third parties, but this aggregate data will in no way personally identify you or any other visitors to the Website.

Sharing of Data

Reward Gateway has a general policy of not disclosing your personal information to third parties unless you have consented to such sharing. However, your personal information may, in certain circumstances, be shared with the relevant third party/parties as follows:

Incorrect Cashback payment or withdrawal –

If you request that we investigate an incorrect Cashback payment or withdrawal we may need to contact the merchant or payment provider concerned. In this instance only information directly required to investigate your query will be shared.

Suspicion of Fraud –

Reward Gateway is very active in combating and preventing fraudulent purchases. If we suspect that purchases on your account may be fraudulent or in contravention of the terms and conditions of service, or if we require further clarification from the merchant, we may need to share with the merchant(s) concerned, and/or the appropriate legal bodies the information that we hold about you.

Employer Access To Data –

Your registration on Capital Perks will be made available to your employer but this information (except in instances of suspected fraud or contravention of the terms and conditions of service) is limited to first and last name and, if relevant, unique identifier (such as your employee number).

Reward Gateway’s Corporate Group –

We may share your information with other companies within our corporate group.

Successors and Vendors –

We may share your personal information in the event that the business of Reward Gateway is transferred to another entity by way of merger, sale of the company’s assets, or otherwise.

In addition, we may also share the personal information about you that you provide to us with trusted companies we have hired to provide services for us, such as sending out newsletters, fulfilling orders you submit, or collecting and processing information on our behalf, including the processing of credit card information and payment transactions. These companies – our vendors – are contractually bound to use the personal information that we share with them only to perform the services that we have hired them to provide.

Personalized URL Links

On occasion, we may personalize and customize websites for certain users. Invitations to visit these customized websites will generally be sent to you via an email containing a personalized URL, a notice on a registration page, or in response to you logging on to a certain portion of this Website. If you are invited to visit one of these sites, you may find it customized with references to products and/or services that we believe may be of interest to you based on your previous interactions with Reward Gateway and on information you have provided to us. While you are visiting these websites, we may collect tracking or other non-personally identifiable information about your visit to better tailor the site to your interests. If you do not want your information to be collected in this way, please do not accept the invitation to visit these sites.

Children’s Information and COPPA

We do not knowingly collect personal information on children. The content of our website and the products and services available are not intended for, or directed to, children. If you are under 13 years of age, then please do not use or access our Website at any time or in any manner.

Use of Cookies and Web Beacons

Please note that we may use “cookies” – a small data file that we transfer to your computer’s hard drive -- to collect certain information about you and your use of our Website, such as IP addresses (the Internet access of a computer), domain names, and the type of computer and operating system being used. We may also use cookies to identify your computer when you revisit our Website to, for example, recall your authentication information or to track statistical information related to navigation throughout the Website. We may use both “session” cookies and “persistent” cookies in order to better operate the Website to enhance your experience while using the Website. A session cookie enables certain features of the Website and our service and is deleted from your computer when you disconnect from or leave the Website. If a portion of this Website requires a password, you are giving us explicit permission to use a persistent cookie, which is a small data file that is generated when, as a registered user of this Website, you enter your assigned user ID and password to access the password-protected area of the Website. This file is stored on your computer and enables your browser to access each page that is in the password-protected area. Our Website does not use “flash” cookies. You may adjust your browser to refuse to accept cookies, remove cookies, or notify you when a cookie is set by editing your web browser preferences or options. (Each browser is different, so check the “Help” menu on your browser to learn how to change your cookie preferences.) You do not have to accept all cookies sent to you by this Website; however, depending on the particular cookie you reject, you may not be able to use some features of this Website.

Please note that linked third-party websites may also use cookies. We cannot control the use of cookies by these third-party websites. For example, when you link from this Website to a third-party website, that website may have the ability to recognize that you have come from our Website by using cookies. If you have any questions about how third-party websites use cookies, you should contact such third parties directly.

In the course of serving advertisements to this site, our third-party advertiser may place or recognize a unique "cookie" on your browser. In order for Cashback to be collected you must enable cookies in your browser, firewall or other security software.

We may also employ software technology known as “web beacons” or “clear GIFs” which helps us keep track of what content on our Website is effective. Web beacons are small graphics with a unique identifier that are used to track the online movements of Internet users. Web beacons are embedded in the web pages you review, so they are not stored on your hard drive. The web beacons we use do not track or collect any personally identifiable information about you and they are in no way linked to your personally identifiable information.

Do Not Track

Currently, (i) other parties (e.g. third-party advertising networks and analytics providers) may not collect personal information about your online activities over time and across different websites when you use our website or services, and (ii) we do not respond to, or take any specific action in connection with the receipt of, Do-Not-Track signals or other similar mechanisms regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services.

Analytic Tools

We are currently using certain Google Analytics tools on its website and may, in the future, implement additional analytics tools, including tools developed by other third parties. However, data collected as a result of our use of such tools is only used internally to enhance our users’ experience using our website and for our own internal business purposes. Such data is shared with our partners and advertisers, if at all, only as aggregate information and as otherwise specified in this privacy statement. Also, please note that by using Ads Settings you may be able to opt-out of Google Analytics. Please contact us if you have any specific questions regarding our use of Google Analytics or other analytics tools.

Your California Privacy Rights

Under California Civil Code sections 1798.83-1798.84, California residents are entitled to ask us for a notice describing what categories of personal customer information we share with third parties or corporate affiliates for those third parties or corporate affiliates\' direct marketing purposes. That notice will identify the categories of information shared with third parties and used for direct marketing purposes and the name and address of the third parties that received such personal information. If you are a California resident and want a copy of this notice, please contact the Helpdesk. In your request, please specify that you want a California Privacy Rights Notice. Please allow 30 days for a response.

Additional Information

When you submit personal information to us through the Registration Pages on this Website, you may be given an opportunity to opt in to receiving additional information from Reward Gateway related entities, and/or selected third parties at the time of submitting your personal information to us. If you opt in, you may be added to our list of users who will receive promotional and marketing communications from us, our partners, and/or other third parties. If you initially opt in to receiving such communications and you later decide that you no longer want to receive them, you may opt out of receiving promotional and marketing communications from us and/or our partners and other third parties by changing your communication preferences within the ‘my account’ section of this Website.

For your convenience, this Website may include links to third-party sites, such as to those of our Retailers, whose information practices may be different than ours. Visitors should consult the other sites\' privacy policies, as we have no control over information that is submitted to, or collected by, these third parties.

We reserve the right to make changes to this Privacy Statement and, in such cases, will post an updated version of this Privacy Statement with a new effective date. Therefore, we urge you to review this Privacy Statement from time to time. Should you wish to update or otherwise review any of your personal information in our possession, please contact the Helpdesk

The Effective Date of this Privacy Statement is: August 17, 2016.