American Continental Bank recognizes and respects how important personal privacy is to our customers. Protecting our customers' privacy, along with their financial assets, is at the core of our business. When customers choose to do business with the Bank, American Continental Bank recognizes its obligation to keep the information the customers provide, secure and confidential. The Bank will continue to examine the practices of its banking operation, and have adopted the following privacy principles in an enduring commitment to provide quality service to its valued customers.
Recognition of the Customers' Expectation of Privacy
The Bank recognizes that their customers expect their financial information to be kept private. The Bank has adopted and maintains standards and procedures designed to protect against misuse or improper disclosure of their financial information.
Collection, Use and Retention of Customer Information
The Bank collects, uses and retains information about the customers for specific business purposes where there is reasonable belief it would be useful (and allowable by law) in administering its business, and providing products and services, and other opportunities to the customers and advising the customers regarding such products, services and opportunities. The Bank collects the following nonpublic personal information about the customer from the following sources:
Information received on an application or other forms, such as name, address, social security numbers, assets, and income;
Information regarding transactions with the Bank, its affiliates, or others, such as balance, payment history, and parties to transaction;
Information received from a consumer reporting agency, such as the customer's creditworthiness and credit history.
Restrictions on the Disclosure of Account Information
The Bank does not reveal the information that is collected about its present or former customers, as identified above, to affiliates or unaffiliated third parties except as permitted by law. These instances permitted by law may include from time to time:
the customer requests or authorizes it;
the information is provided to help complete a transaction initiated by the customer;
the information is provided to reputable consumer reporting agencies;
to comply with legal process or court order; and
the disclosure is otherwise permitted.
The Bank does not disclose any information about the customers to companies that perform marketing services.
Maintenance of Accurate Information
The Bank has implemented procedures to help ensure that customer financial information is maintained in a commercially reasonable manner so that it is accurate, current, and complete. The Bank responds to all customer reports of incorrect or incomplete information and will correct customer information when it is determined it is inaccurate, all in a timely manner.
Limiting Employee Access to Information
The Bank limits employee access to personally identifiable information to those with a business reason for knowing such information. The Bank educates its employees so that they will understand this policy and the importance of confidentiality and customer privacy. Bank employees who violate this policy will be subject to appropriate disciplinary measures.
Protection of Information
The Bank maintains and follow appropriate security standards and procedures designed to safeguard against unauthorized access to and disclosure of confidential customer information. The Bank is continually assessing new technology as it becomes available in order to continue to best protect the customers' privacy.
Maintaining Customer Privacy in Business Relationships with Third Parties
The Bank may share nonpublic personal information with an unaffiliated third party it hires or contracts with to provide support or services for one or several of its products or services offered to the customer as permitted by law. Situations where this type of sharing would be appropriate could include the following:
When the Bank contracts with third parties to help deliver services to the customer;
When credit bureaus or others, as appropriate, in the course of customary business practices, ask for credit references;
When the Bank shares information with third parties, it holds all such parties to the same or higher standards as itself with respect to the privacy of its customers information.
Disclosure of Privacy Principles to Customers
The Bank wants to convey its commitment of privacy issues and use of confidential information to the customer to understand. Customers who are concerned about their financial privacy and would like to know more about this important subject matter, have a question regarding this principle, or wish to obtain a copy of the Bank's Privacy Notice can contact the Bank directly by phone or in writing.
Privacy Guidelines
Please read the following privacy guidelines carefully. When you access and use the American Continental Bank website, you indicate your acknowledgement and acceptance of the privacy guidelines below. To review the most current Policy, please check this page and the link to this page from our homepage. The current Policy as of the effective date shall replace any previous Policies that are inconsistent.
Hyperlinks
Hyperlinks to other Internet resources are furnished as a
convenience to our clients. Once you click on a link, you will be
leaving American Continental Bank’s website and accessing an
independent website. The Bank does not warrant or endorse the
products, services or information provided on or through any
independent website, nor are the Bank’s privacy policies or security
procedures applicable when you link to any such website. Rather, if
you have privacy, security or quality concerns, you should inquire
of the operator of the independent website and you should always use
up-to-date “computer virus” protection whenever you use the
Internet.
WEBSITE INFORMATION
American Continental Bank’s website is public and not password
protected. When any person visits our website, the Bank may collect
certain basic information, such as how many people visited the site
and what pages were visited. All of the information gathered at our
website is general. American Continental Bank uses this general
information to determine: (1) which parts of the website are most
popular, (2) how people access the site, (3) how it can improve the
content of the web pages, and (4) how service can be improved to our
clients.
How We Handle E-Mail
The Bank’s website includes the capability to correspond with the
Bank. This e-mail is not a secure form of communication. It is
recommended that you do not send e-mail messages containing any
personal, private or sensitive information, such as account numbers,
mother’s maiden name, user ID’s and/or passwords. This e-mail
correspondence should be for the purpose of asking general questions
of a non-sensitive and non-confidential nature. American Continental
Bank will collect the e-mail addresses of those who correspond with
the Bank via e-mail and any information that is provided to the
Bank.
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 web page
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 web sites and do not harm your system.
By configuring your preferences 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 web site and for a
number of administrative purposes.
Protecting Our Children
At American Continental Bank we do not knowingly solicit data from
children and we do not knowingly market to children. We recognize
that protecting children’s identities and privacy online is
important and that the responsibility to do so rests with both the
online industry and with parents.
Products & Services
This website, and the products and services that are described or
offered through the website, can be amended in whole or in part or
terminated at any time. Users of the website shall have no right to
expect the continuation of any part of the website nor any products
and services that are described or offered through the website. Some
products and services may not be available in all geographic areas.
Your eligibility for particular products and services is subject to
final determination and acceptance by the Bank.
All information submitted by you via this website may be used by the
Bank in any manner that complies with the applicable laws and
regulations, and, the policies of the Bank.
NO WARRANTIES
All express and implied warranties are expressly excluded and
disclaimed. Without limiting the generality of the preceding
sentence, the Bank disclaims any implied warranties of
merchantability, fitness for a particular purpose, and
non-infringement. The information and materials contained as part of
this site are provided on an “as is” and “as available” basis. The
Bank does not warrant the accuracy, adequacy or completeness of this
information and materials, and it expressly disclaims liability for
errors or omissions in this information and materials
LIMITATION OF LIABILITY
In no event shall the Bank be liable for any damages (including
without limitation any direct, indirect, special, incidental, or
consequential damages), losses or expenses arising in connection
with the website, the use of the website, or the inability of anyone
to use the website. The Bank shall also not be liable for any
damages, losses, or expenses that arise in connection with any
failure of performance, error, omission, interruption, defect, delay
in operation or transmission, or computer or system failure, The
Bank shall not be liable for such damages, losses or expenses even
though it or its representatives are advised of the possibility of
such damages, losses, or expenses.
Copyright
The Bank or a third party vendor owns the copyright to the pages and
the screens displaying the pages that appear on this website.
Trademarks and Service Marks
The Bank or a third party vendor owns the claim trademark and
service mark rights in marks contained in the pages.
NO WAIVER
No waiver of any of the foregoing privacy guidelines shall be
effective unless it is in writing and signed by an authorized
officer of the Bank, and no waiver shall be deemed to imply or
constitute a continuing waiver or a waiver of any other term or
condition.
Governing Law
The laws of the State of California govern these privacy guidelines.
American Continental Bank reserves the right to change our Privacy
Statement, these Privacy Guidelines and any related provisions at
any time.
