Last revision date: Aug 23, 2015
· How does TRADEALOAN collect and use my information?
· Does TRADEALOAN share my personal information with third parties?
· What information is shared on savings and CD products?
· Can I opt-out of communications from TRADEALOAN?
· How does TRADEALOAN safeguard my personal information?
HOW DOES TRADEALOAN COLLECT AND USE MY INFORMATION?
TRADEALOAN may collect and use your personal information to respond to your requests for financial products and services offered on TRADEALOAN’s Web site or to provide you with information about products or services that may be of value to you. Certain personal information TRADEALOAN collects about you may be publicly available via government records, telephone books, and other widely available media (i.e. the Internet). However, we treat all information you provide to TRADEALOAN as non-public.
1. Information you provide
TRADEALOAN collects the personal information you provide when you:
· Contact TRADEALOAN with a question or suggestion
· Open a Savings Account or Certificate of Deposit
TRADEALOAN collects certain information from you when you open a savings account or certificate of deposit vis-à-vis the TRADEALOAN Web site. This includes personal information such as name, email address, address, social security number, and bank account and routing numbers. This allows you to transfer money between accounts and lets TRADEALOAN facilitate the transactions.
When you contact TRADEALOAN with a question or suggestion we collect your name, email address, and telephone number. TRADEALOAN only uses personal information that it collects to respond to and/or resolve your question or concern.
2. Information collected from
TRADEALOAN may also collect information about you from the following sources:
Consumer reporting agency: TRADEALOAN uses
this information to process your account.
3. Technical Information
We use technology to:
· Gather technical information from your Web browser (IP address, operating systems);
· Set persistent cookies on your computer; which are not linked to personal information and
· Collect anonymous, non-personal information about your navigation throughout our website by using “cookies”, “action tags”, invisible “gifs” placed on the TRADEALOAN Web site by TRADEALOAN or its business partners.
TRADEALOAN uses this information for routine Web site maintenance; to establish that you are a unique user and/or for purposes of assessing the effectiveness of the TRADEALOAN Web site and the products and services offered.
4. Third Party Advertisements
TRADEALOAN uses third party advertising companies to provide advertisements on the TRADEALOAN website.
DOES TRADEALOAN SHARE MY PERSONAL INFORMATION WITH THIRD PARTIES?
TRADEALOAN may share your personal information:
· With affiliate companies (companies related by common ownership or control).
· With companies involved in the loan or savings account process.
Examples : Credit reporting agencies are a necessary part of various banking transactions. Therefore, TRADEALOAN must provide some of your information to these companies in order to process your account.
· With companies that perform services on our behalf (Joint marketing).
Examples : TRADEALOAN sometimes uses service providers to assist it with specific processes or functions such as distributing emails or collecting survey information from TRADEALOAN customers. TRADEALOAN requires the service providers it uses to sign business agreements that restrict their use of your information to fulfilling the contracted service. These companies are authorized to use your personal information only as necessary to provide these services to us and for no other purposes.
· As required by law.
Examples : TRADEALOAN may need to share your information with law enforcement or government agencies in response to a subpoena, state/federal audit or other similar circumstances. If TRADEALOAN is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on the TRADEALOAN Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information. The TRADEALOAN Web site may link you to other companies’ Web sites that offer services that may be of interest to you. These companies do not obtain any specific information about you or your transaction on the TRADEALOAN Web site. You may also access the TRADEALOAN Web site from another company’s Web site. TRADEALOAN may collect Web traffic statistics from you and other consumers’ Web browsers, and we may share this aggregated information with outside companies to assist them with assessing the effectiveness of their Web site content. No personal information is shared in this aggregated information.
WHAT INFORMATION IS SHARED ON SAVINGS AND CD PRODUCTS?
When you open a savings account or certificate of deposit through TRADEALOAN, an account is created for you with our parent company, Banco Popular North America (BPNA), a FDIC-member institution and a New York state chartered bank. These deposit accounts are FDIC insured through BPNA. BPNA will use your information solely to provide services on these accounts.
CAN I OPT-OUT OF COMMUNICATIONS FROM TRADEALOAN?
TRADEALOAN always provides you with the opportunity to opt-out of electronic communications that offer our products and services. You can opt-out of marketing communications at anytime by clicking on the following link: https://savings.TradeALoan.com/optout and completing the applicable section(s). However, please be aware that TRADEALOAN also sends service related email announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. You do no have an option to opt out of these emails, which are not promotional in nature.
HOW DOES TRADEALOAN SAFEGUARD MY PERSONAL INFORMATION?
TRADEALOAN follows generally accepted industry standards to protect any personal information, including nonpublic personal information (such as Social Security Number, ABA Routing Number and Account Number) submitted to it, both during transmission and once such information are received. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while TRADEALOAN strives to use commercially acceptable means to protect your personal information, TRADEALOAN cannot guarantee its absolute security. TRADEALOAN uses Secure Sockets Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized parties from viewing any personal information transmitted to or from TRADEALOAN during your session. TRADEALOAN has also obtained a digital certificate from VeriSign for www.TradeALoan.com and its subdomains.
All deposit products offered through TRADEALOAN will be opened through Banco Popular North America (BPNA), a New York state chartered bank insured by the FDIC that is the direct parent company of TRADEALOAN (i.e. TRADEALOAN is a wholly-owned subsidiary of BPNA). Processing services are provided by BPNA. All deposits with BPNA are insured for the maximum amount allowed by law, and all balances on deposit with BPNA (whether directly or through TRADEALOAN) would be combined for purposes of determining FDIC coverage eligibility. Effective July 22, 2010, the new standard maximum deposit insurance amount (SMDIA) is made permanent to $250,000. Your deposits are insured up to $250,000 per depositor. You may qualify for more than $250,000 in coverage if you hold deposits in different account ownership categories. For more information about FDIC insurance coverage, visit www.fdic.gov.
Online Privacy Practices
Collection and Use of 3 rd Party Personal Information
You may also provide personal information about other people, such as their name, relationship and their social security number. This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided.
CAN I ACCESS MY INFORMATION?
You can access your account information at http://www.TradeALoan.com anytime, 24 hours a day, 7 days a week. Simply log in using the Username and Password you entered when you first opened your Savings or CD account. To further ensure your security; please note that three unsuccessful login attempts will lock your account. To unlock it, you will need to call an associate for assistance at 1-866-576-7283 Monday to Friday between the hours of 8:00 am and 5:00 pm Pacific Time. If you wish to cancel your account or request that TRADEALOAN no longer uses your information to provide you services contact TRADEALOAN by sending an email request using this form. We will respond to your request to access within 30 days
WHAT ARE THE TRACKING TECHNOLOGIES USED BY TRADEALOAN?
Technologies such as: cookies, beacons, tags and scripts are used by TRADEALOAN and our advertising partners in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
· Log Files
As is true of most web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We do not link this automatically collected data to other information we collect about you.
· Local Storage Objects (HTML 5)
Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML 5. Various browsers may offer their own management tools for removing HTML5 LSOs.
· Behavioral Targeting / Re-Targeting
We partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here . Please note this does not opt you out of being served ads. You will continue to receive generic ads.
Some of our pages utilize framing techniques to serve content to from our partners while preserving the look and feel of our site. Please be aware that you are providing your personal information to these third parties and not to www.TradeALoan.com.
· Social Media Widgets
HOW LONG WILL MY INFORMATION BE STORED?
Federal and state agencies require that TRADEALOAN provide aggregated demographic and loan funding information about its loan applicants. TRADEALOAN maintains electronic and hardcopy loan application information for funded/declined/withdrawn loans for a period of at least 7 years in accordance with federal and state laws.
WHO CAN I CONTACT FOR PRIVACY RELATED ISSUES?
Please fill out our contact form to report any known or suspected privacy or security breaches or to submit privacy-related questions or complaints. If you do not receive acknowledgment of your inquiry or your inquiry is not satisfactorily addressed, you may contact TRUSTe here . TRUSTe will serve as a liaison with TRADEALOAN to resolve user concerns.
To submit privacy-related questions or complaints:
Visit us online: https://TradeALoan.com/support