Privacy Policy

1. User Consent

By joining The Mutual you agree to The Mutual’s Privacy Policy and Terms of Service.

2. Types of Personal Information We Collect

Personal Information is information that can be used to identify, locate, or contact an individual. It also includes other information that may be associated with Personal Information. We collect the following types of Personal Information:

• Contact Information that allows us to communicate with you, such as your name, postal addresses, email addresses, social media website user account names, telephone numbers.
• Personal Information that helps us to understand who you are and what types of offers you might like and what types of charities you might be interested in. This includes lifestyle information; location information related to your state/province, city, or neighborhood; areas of interest, the types of deals that interest you, information collected from social media interactions (such as via Facebook Connect); demographic information (e.g., birth date, age, gender); information about persons for whom you purchase The Mutual membership as a gift or who have bought membership as gift for you; and information about friends who refer you or who you have referred for membership.
• Transaction Information about how you interact with The Mutual, such as the Perks you view and / or utilize; other information about how you use our sSites, email, other communications, and applications; and how you interact with The Mutual business Partners.
• Financial Account Information as needed to process payments for membership subscriptions, such as your credit or debit card number, expiration date, and card verification number.

3. How The Mutual Collects Personal Information

We ask you for Personal Information (including Contact Information, Personal Information, and Financial Account Information) when you register, subscribe, create an account, or otherwise interact with the Sites or contact The Mutual.
We collect Transaction Information when you use our Site. For example, we may track the Perks you view or utilize, and the comments you make to the forums, bulletin boards, discussion groups, chat rooms or other methods of communication that may be offered on or through the Site from time to time (collectively “Communities”), or to those related to our social media pages or accounts. We use cookies and related technologies to collect information about your computer and your interaction with the Site and our business partner websites.
We also collect Transaction Information if you contact us via telephone, email, text, postal mail, social media interaction, or other methods of communication, such as for customer support purposes.
We collect information that you provide us about other people when you purchase Membership subscriptions as gifts, including those persons’ Contact Information and Relationship Information. We create transaction records of your gift to those persons.
We may receive additional Personal Information from third parties. We may use this Personal Information to enhance Sites or services.

4. How The Mutual Uses Personal Information

The Mutual uses Personal Information to:

• Operate and improve our Sites
• Provide customers with perk offerings from participating business partners, including offers based on variables such as stated and anticipated customer interests, personal characteristics, or location
• Facilitate orders for membership subscriptions
• Evaluate eligibility of customers for certain perk offerings
• Evaluate the types of offers, products or services that may be of interest to customers
• Track utilization of Perks and charity preferences and perform other analytics
• Provide customer support, including to our merchants, our charity partners or our business partners
• Communicate and provide additional information that may be of interest to you about The Mutual, our charity partners and business partners, special perk offerings and marketing materials
• Send you reminders, technical notices, updates, security alerts and support and administrative messages service bulletins, or marketing
• Provide advertisements to you through the Sites, email messages, text messages, applications, or other methods of communication
• Administer surveys or other promotional activities or events sponsored by us or our partners
• Manage our everyday business needs such as Site administration, forum management, fulfillment, analytics, fraud prevention, enforcement of our corporate reporting obligations, or to comply with the law.

5. When and Why The Mutual Discloses Personal Information

We will not disclose your Personal Information to third parties except to:

• Affiliated companies (e.g., subsidiaries and other companies owned by or controlled by The Mutual) who may only use the Personal Information for the purposes described in Section 3 above.
• Our service providers that provide services for us such as sending emails on our behalf and processing payments. Our service providers are bound by law or contract to protect the Personal Information and are only allowed to use the Personal Information in accordance with the terms of our service agreements with them.
• Merchants, but only to the extent you have utilized a perk provided by that merchant. We may also provide merchants with Personal Information about the individuals who have purchased the merchants' Perks, to send customized perk offerings, to validate the purchases, to aid and troubleshoot redemption, to combat fraud, as part of legal proceedings affecting The Mutual and the merchant, and to facilitate a direct relationship between merchants and customers and enable merchants to communicate electronically with customers who utilized the merchants' Perks.
• Effect a merger, acquisition, or otherwise; to support the sale or transfer of business assets; to enforce our rights or protect our property; to protect the rights, property or safety of others, investigate fraud, respond to a government request; or as needed to support auditing, compliance, and corporate governance functions. We may also disclose Personal Information to defend ourselves in litigation or a regulatory action, and when required or advised to do so by law, such as in response to a subpoena, or similar legal process, including to law enforcement agencies, regulators, and courts in the United States and other countries where we operate. If The Mutual is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or prominent notice on our Site of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information.
• We encourage our charity and business partners to adopt and post privacy policies. However, the use of your Personal Information by such parties is governed by the privacy policies of such parties and is not subject to our control.

We may also disclose information about you that is not personally identifiable. For example, we may provide our charity partners and business partners, or other third parties with reports that contain aggregated and statistical data about our users.

6. Email

You can choose to opt out of emails at anytime. If you do so choose The Mutual and its affiliated partners will cease to send you emails.
The Mutual will always send you e-mail related to the status of your account.

7. Cookies and Related Technologies

When you use our Sites, we collect certain information by automated or electronic means, using technologies such as cookies, pixel tags and web beacons, browser analysis tools, and web server logs. As you use our Sites and applications, your browser and devices communicate with servers operated by us, our business partners and services providers to coordinate and record the interactivity and fill your requests for services and information.
The information from cookies and related technology is stored in web server logs and also in web cookies kept on your computers or mobile devices, which are then transmitted back to our Sites by your computers or mobile devices. These servers are operated and the cookies managed by us, our business partners or our service providers.
For example, when you visit our Sites, The Mutual and our service providers may place cookies on your computers or mobile devices. Cookies allow us to recognize you when you return, track and target your interests in order to provide a customized experience. They also help us provide a customized experience and help us to detect certain kinds of fraud. A "cookie" is a small amount of information that a web server sends to your browser that stores information about your account, your preferences, and your use of the Sites.
Pixel tags and web beacons are tiny graphic images placed on website pages or in our emails that allow us to determine whether you have performed specific actions. When you access these pages or open email messages, the pixel tags and web beacons generate a notice of that action to us, or our service providers. These tools allow us to measure response to our communications and improve our web pages and promotions.
We collect many different types of information from cookies and other technologies. For example, we may collect information from the devices you use to access our Sites, your operating system type or mobile device model, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone of your device. Browsers routinely send these types of information to web servers. Our server logs also record the Internet Protocol (“IP”) addresses of the devices you use to interact with the Sites. An IP address is a unique identifier that devices use to identify and communicate with each other on the Internet. We may also collect information about the website you were visiting before you came to our Site and the website you visit after you leave our Site, if this information is supplied to us by your browser.
In many cases, the information we collect using cookies and other tools is used in non-identifiable ways, without any reference to Personal Information. For example, we use information we collect about Site users to optimize our Sites and understand its traffic and usage patterns. In other cases, we associate the information we collect using cookies and related technologies with Personal Information. In that case, this Privacy Statement governs how we use that information.
Additionally, if the settings on your location-aware device allow us to receive Location Information, we will collect that automatically. If we associate Location Information with other Personal Information, this Privacy Statement governs how we would use that information too.

8. Referring Friends to The Mutual

The Mutual enables you to refer friends to The Mutual. You may be eligible to receive rewards in the form of discounted membership fees (credit available for use toward future membership fees) or to earn other benefits for referring friends (subject to Terms and Conditions for referring a friend and details available on our Sites). If you wish to refer friends to The Mutual, we provide you a unique referral link, which you can share directly with others via email, social media websites, or other communications methods. If someone clicks your link and takes a qualifying action, we may attribute that referral to you for purposes such as awarding reward credit. The Mutual does not collect Personal Information about the persons with whom you share your link until the persons click the link and engage directly with us.

9. Your Choices

You may manage the sharing of certain Personal Information with us when you connect with us through a social media platform or application, such as through Facebook Connect. Please refer to the privacy settings of the social media website or application to determine how you may adjust our permissions and manage the interactivity between The Mutual and your social media account or your mobile device.
If you wish to opt out of receiving perk offers or communications directly from The Mutual business or charity partners, you can follow the opt-out instructions in the emails that they send you.

10. Accessing and Correcting Personal Information

Keeping Personal Information about you current helps ensure that we offer you the best Perks available through our business partners. You can do several things to help keep Personal Information about you current. You can access, update and delete your Contact Information, Financial Account Information, and the other information you provided to use in your profile by logging into your account and accessing the “My Account” section of the Site or sending us an email at [info@themutual.com].
If you want to close your account or have other questions or requests, please contact us. While we are ready to assist you in managing your subscriptions, closing your account, and removing your active profile, we cannot always delete records of past interactions and transactions. For example, we are required to retain records relating to previous purchases on the Sites for financial reporting and compliance reasons.
We will retain your information for as long as your account is active or as needed to provide you services and to maintain a record of your transactions for financial reporting purposes. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at [info@themutual.com]. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

11. Security of Personal Information

The Mutual has implemented an information security program that contains administrative, technical and physical controls that are designed to reasonably safeguard Personal Information. For example, we use industry-standard encryption technology to secure Financial Account Information when it is being transmitted over the Internet.

12. Privacy Practices of Third Parties

This Privacy Statement only addresses the use and disclosure of information by The Mutual through your interaction with the Sites. Other websites that may be accessible through links from our Sites may have their own privacy statements and personal information collection, use, and disclosure practices. Our merchants and business partners may have their own privacy statements, too. We encourage you to familiarize yourself with the privacy statements provided by these other parties prior to providing them with information or taking advantage of an offer or promotion.

13. Facebook Connect

The Mutual offers Facebook users the opportunity to interact with friends and to share on Facebook using Facebook Connect. If you are logged into both The Mutual and Facebook, when you use the Site’s Facebook connection functions, we will link your Facebook account with you’re the Mutual account if the email addresses match. If the email addresses do not match, we ask you if you want to link them and you must validate that you control the accounts. If you are already logged into The Mutual but not logged into Facebook, when you use the Site’s Facebook connection functions, you will be prompted to enter your Facebook credentials or to sign up for Facebook. By proceeding through any of these scenarios, you grant The Mutual permission to access your Facebook profile information and to use it in accordance with the Facebook terms of use and this Privacy Statement.

If you are not currently registered as a The Mutual member and you use the Site's Facebook connection functions, you will first be asked to enter your Facebook credentials and then be given the option to register and join The Mutual. Once you register with The Mutual and connect with Facebook, you will be able to automatically post recent The Mutual activity back to your Facebook wall. Please refer to the privacy settings in your Facebook account to manage the performance of your Facebook account.

14. Changes to this Privacy Statement

From time to time, we may update this Privacy Statement to clarify our practices or to reflect new or different privacy practices, such as when we add new features to our Sites. If we make any material changes we will notify you by email (sent to the email address specified in your account) or by means of notice on the Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information about our privacy practices.