Vantage Point Bank Privacy Policy
Your personal information is safe with us.
You provide important information about yourself to a variety of businesses and organizations. In fact, when you do business with Vantage Point Bank, you’re asked to provide us with personal information. This information is important because it helps us get a better picture of your needs, provide better service, and complete your transactions more effectively.
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
We take every measure to safeguard the information you give us. We have no intention of selling that personal information to third party businesses. The following policies outline how we use and safeguard the information you give us.
Notice of Your Financial Privacy Rights
We, our, and us, when used in this notice, mean Vantage Point Bank.
When we use the words “you” and “your” we mean the following types of customer:
- *All of our consumer customers who have a continuing relationship with us, such as:
- Deposit Account
- Loan Account
- Individual Retirement Account where we act as Custodian
We first define some terms:
- Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
- An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
- A nonaffiliated third party is a company that is not an affiliate of ours.
The Information that We Collect
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us
- Information about your transactions with nonaffiliated third parties
- Information from a consumer reporting agency
Information We Disclose About You
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. In addition, we do not disclose nonpublic personal information about former customers, except as permitted by law.
Online Protection
All of our Internet forms and pages with customer or other sensitive information are protected by data-encryption technology. Encryption is a procedure for turning plain text or other information into an unrecognizable pattern of data requiring a unique key to open or “decode” the formula. The unbroken key or closed lock on your screen indicates that the connection is secure. Although we provide data encryption and other types of protection to maintain the security of our customers’ information, there are certain security, corruption, transmission error and access-availability risks associated with using open networks such as the Internet. Should you decide at any time that you prefer not to use our online services, please visit our branch or call (267)464-7000.
How We Handle E-Mail
Our website does not require you to disclose any personal identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use that information only to respond to your inquiry and provide accurate information to any questions. Your e-mail address will not be sold, nor will it be shared with others outside of the Bank unless we are compelled to do so by law.
About “Cookies”
To provide better service and a more effective website, we use “cookies” as part of our interaction with your browser. A cookie is a small text file placed on your hard drive by our webpage server. These cookies do not collect personally identifiable information, and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address. Cookies are commonly used on websites and do not harm your system. By configuring your preference or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our website and for a number of administration purposes. Third party sites may also use cookies.
Third Party Web Sites
Vantage Point Bank’s web site contains links to third party web sites that you may find useful. Those sites may have their own privacy policies. Once you leave the Bank’s web site, our privacy policy will no longer be in effect. You should review the privacy policy of any web site you visit before you provide personal or confidential information.
