Privacy Policy

Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact information (name, email address, phone number, mailing address)
• Financial information (account preferences, banking service interests)
• Identification information (date of birth, Social Security number when required)
• Employment and income information
• Credit history and financial background information

Technical Information

We automatically collect certain technical information when you visit our website:

• IP address and device identifiers
• Browser type and version
• Operating system information
• Website usage patterns and navigation data
• Cookies and similar tracking technologies

How We Use Your Information

We use your personal information for the following purposes:

• Service Provision: To provide you with independent banking information and resources
• Communication: To respond to your inquiries and provide customer support
• Personalization: To customize your experience and provide relevant banking service information
• Compliance: To comply with legal and regulatory requirements
• Security: To protect against fraud, unauthorized access, and security threats
• Analytics: To analyze website usage and improve our services
• Marketing: To send you relevant information about local banking services (with your consent)

Information Sharing and Disclosure

We May Share Your Information With:

• Service Providers: Third-party vendors who assist us in operating our website and providing services
• Financial Institutions: Regional banks and credit unions when you request information about their services
• Legal Authorities: When required by law, court order, or regulatory request
• Business Partners: Trusted partners who help us provide comprehensive banking information

We Do Not:

• Sell your personal information to third parties
• Share your information for marketing purposes without your explicit consent
• Disclose sensitive financial information except as required by law

Data Security Measures

We implement comprehensive security measures to protect your personal information:

Your Privacy Rights

You have the following rights regarding your personal information:

Regulatory Compliance

Our privacy practices comply with applicable financial services regulations, including:

• Gramm-Leach-Bliley Act (GLBA): Financial privacy and safeguards requirements
• Fair Credit Reporting Act (FCRA): Consumer credit information protection
• California Consumer Privacy Act (CCPA): Enhanced privacy rights for California residents
• General Data Protection Regulation (GDPR): Data protection for EU residents
• State Banking Regulations: Compliance with regional financial privacy laws

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience:

Data Retention

We retain your personal information for the following periods:

• Account Information: For the duration of your relationship with us plus 7 years
• Transaction Records: 7 years from the date of the transaction
• Marketing Communications: Until you opt out or 3 years of inactivity
• Website Usage Data: Up to 2 years for analytics purposes
• Legal Compliance: As required by applicable laws and regulations

International Data Transfers

If you are located outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States. We ensure appropriate safeguards are in place for international data transfers, including:

• Standard contractual clauses approved by regulatory authorities
• Adequacy decisions for certain countries
• Certification under recognized privacy frameworks
• Your explicit consent where required

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Providing notice through our website or services
• Other appropriate communication methods