Privacy Policy

Introduction

At Account Use Summary, we are committed to protecting your privacy and maintaining the confidentiality of your personal and financial information. This Privacy Policy explains how we collect, use, share, and protect your information when you access our digital banking services, account management tools, and financial products.

We understand that your financial privacy is paramount, and we have implemented comprehensive measures to ensure your data remains secure while providing you with the digital banking basics and account access details you need.

Information We Collect

Personal Information

• Name, address, phone number, and email address
• Social Security number and date of birth
• Employment information and income details
• Government-issued identification documents
• Biometric data for authentication purposes

Financial Information

• Account numbers, balances, and transaction history
• Credit history and credit scores
• Investment portfolio information
• Payment and transfer details
• Digital banking usage patterns and preferences

Technical Information

• Device information and IP addresses
• Browser type and operating system
• Location data when using mobile applications
• Cookies and similar tracking technologies
• Session data and authentication logs

How We Use Your Information

We use your information to provide comprehensive account management services and digital banking tools. Our primary purposes include:

• Account Management: Processing transactions, maintaining account records, and providing account use summary reports
• Service Delivery: Enabling access to online services, mobile applications, and digital banking features
• Security and Fraud Prevention: Monitoring for suspicious activities and protecting against unauthorized access
• Compliance: Meeting regulatory requirements and reporting obligations
• Customer Support: Responding to inquiries and resolving service issues
• Product Development: Improving existing services and developing new financial tools
• Marketing: Providing information about relevant financial products and services

Information Sharing and Disclosure

We maintain strict controls over the sharing of your personal information. We may share your information in the following circumstances:

With Your Consent

We will share your information when you have provided explicit consent or when necessary to complete transactions you have authorized.

Service Providers

We work with trusted third-party service providers who assist us in delivering digital banking services, processing payments, and maintaining our technology infrastructure. These providers are bound by strict confidentiality agreements.

Legal and Regulatory Requirements

We may disclose information when required by law, regulation, or legal process, including compliance with anti-money laundering laws, tax reporting requirements, and court orders.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction, subject to the same privacy protections.

Data Security Measures

We employ industry-leading security measures to protect your financial information and ensure the integrity of our digital banking systems:

• Encryption: All data transmissions are protected using advanced encryption protocols
• Multi-Factor Authentication: Additional security layers for account access verification
• Secure Data Centers: Physical and digital security controls at our facilities
• Regular Security Audits: Continuous monitoring and testing of our security systems
• Employee Training: Comprehensive privacy and security training for all staff members
• Access Controls: Strict limitations on who can access your personal information
• Incident Response: Rapid response procedures for any security incidents

Your Privacy Rights

As our customer, you have important rights regarding your personal information:

Access and Correction

You have the right to access your personal information and request corrections to any inaccurate data. You can review and update your information through our online services or by contacting customer support.

Marketing Communications

You can opt out of marketing communications at any time while continuing to receive important account-related notifications and service updates.

Data Portability

Where applicable, you may request a copy of your personal information in a structured, commonly used format for transfer to another financial institution.

Account Closure

Upon account closure, we will retain your information only as required by law and for legitimate business purposes, such as fraud prevention and regulatory compliance.

Regulatory Compliance

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

• Gramm-Leach-Bliley Act (GLBA) privacy requirements
• Fair Credit Reporting Act (FCRA) provisions
• Bank Secrecy Act (BSA) and anti-money laundering regulations
• Consumer Financial Protection Bureau (CFPB) guidelines
• State privacy laws and regulations
• International data protection standards where applicable

Cookies and Digital Tracking

Our digital banking platforms use cookies and similar technologies to enhance your experience and provide secure access to your accounts. These technologies help us:

• Maintain your session security during online banking
• Remember your preferences and settings
• Analyze usage patterns to improve our services
• Detect and prevent fraudulent activities
• Provide personalized account information and recommendations

You can manage cookie preferences through your browser settings, though disabling certain cookies may limit functionality of our digital banking tools.

Data Retention

We retain your personal and financial information for as long as necessary to provide services, comply with legal obligations, and protect our legitimate business interests. Specific retention periods vary based on:

• The type of information and its sensitivity
• Legal and regulatory requirements
• The purpose for which the information was collected
• Your relationship status with our institution
• Fraud prevention and security considerations

International Data Transfers

In some cases, your information may be processed or stored in countries outside your residence. When this occurs, we ensure appropriate safeguards are in place, including:

• Contractual protections with service providers
• Compliance with international data protection frameworks
• Regular assessments of data protection standards
• Encryption and security measures during transfer

Updates to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or applicable laws. When we make material changes, we will:

• Notify you through your preferred communication method
• Post the updated policy on our website
• Provide a summary of key changes
• Allow time for you to review the changes before they take effect

Contact Information

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or need to report a privacy concern, please contact us: