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Belay Bank Online Privacy Statement
 

Effective Date: 10/1/19

At Belay Bank your privacy is important to us.

We are committed to the responsible use and protection of your consumer information. This Online Privacy Statement (Privacy Statement) applies to Belay Bank online services (i.e. website, mobile, and social media applications). 

This  Privacy Statement explains how we collect, share and use your information when you visit or use the Belay Bank website or an online service.  You may also refer to our Consumer Privacy Notice, located on our website, which explains Belay Bank’s practices surrounding the collection,  use, and sharing of your personal information.


Your Personal Information 
As a client or prospect you may visit us or use one of our online services.  Belay Bank may collect personal information from or about you such as, but not limited to: contact information including your name, mailing address, email address, one or more telephone numbers, and your bank account numbers. We may collect location information such as a zip code to help you find a nearby Belay Bank location. We may also collect additional information which may include credit or debit card information, social security number(s), driver's license numbers and a user name or password. This is common information you use while accessing our online services and which Belay Bank requires for general business purposes authentication and security purposes.  


Sharing
We may share your information with our service providers, such as data processors and companies that help us market products and services to you. When permitted or required by law, we may share information with additional third parties for purposes such as responding to a specific legal process.


Use of Your Personal Information 
We will  use any information we gather  in a variety of ways, including  processing  transactions such as a home loan request, verifying your identity, improving the security of your account through fraud detection and other means,   responding to your requests and communicating with you, managing your specific preferences such as passwords and login credentials, complying with and enforcing applicable legal requirements,  and for other purposes that we may disclose at the time you provide us with or we collect your personal information. 

Belay Bank may also gather and collect other information about your online usage. For example, when you access our website www.belaybank.com    we will display specific graphics and product offers by aligning those graphics and offers with your computer’s specific IP address.  
Belay Bank or our third-party partners, including Ad Roll, may track and analyze your online behavior to send you targeted Belay Bank digital advertisements.   This process occurs by identifying specific technologies which collect and store information about your visit behavior, or use of our online services.


Technologies We and Our Third Party Advertising Partners Use
Belay Bank uses technologies such as cookies and pixels to anonymously keep track of your activities on our website and our advertisers’ websites, so that we may serve you more relevant advertisements. A cookie is a small text file that is stored on your device for record-keeping purposes. Session cookies expire when you close your browser. Persistent cookies remain on your device for an extended period of time. We and our third party partners use session cookies and persistent cookies.

We use persistent cookies to keep track of your activities when you visit our website or our advertisers' websites, and to serve you relevant advertisements. Our advertising partners (including Recrue Media and Frequence) also place persistent cookies on your device when you visit our website in order to help serve relevant advertisements to you when you visit websites in their networks.

This is how the process works: when you visit our website, a pixel on our site causes a persistent cookie to be set in your browser. When you leave our website and visit another website, our advertising partners are able to recognize that cookie (if the other website is also an advertising partner with that website provider).
You may use the following links to view and set your choices regarding the advertisements mechanisms of our advertising partners:
Recrue Media:  http://www.youradchoices.com/privacy.aspx
Frequence:  https://www.frequence.com/privacy-policy


Removal of Cookies
You can remove cookies from your browser by following directions provided in your Internet browser's "help" file. You may also decline cookies if your browser permits, but please be aware that doing so may interfere with your use of our website.

Accessing Belay Bank with a Mobile Device 
Belay Bank offers you the ability to access our website with a mobile-enabled device such as a smartphone or tablet. When you connect with Belay Bank’s Online Banking, we utilize personal protection solutions including unique identifiers and True Stamp images to protect your information.  If you use a feature, such as locating a Belay Bank office, we will use information about your location to present you with the requested information.  


Linking To Third Party Websites
Our website has links to third party sites. These links are offered as a courtesy and a convenience to our clients. We will notify you via a browser pop-up message when you are being re-directed to a third party site. You will be given the option to proceed to the third party site or to remain on belaybank.com.  Belay Bank is not responsible for the information practices of sites linked to or from our website. Please review the privacy policies of these sites prior to providing any personal information, as their privacy and information security policies may differ from Belay Bank’s. 


Children’s Privacy
We do not knowingly solicit or collect personal information from individuals under the age of 13 in any of our online channels.


Your Security 
Visit our Security Center for additional information about how we protect your personal information. Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your Social Security number or loan account number) to us.


Updating Your Personal Information 
It is very important to keep your account information accurate and up to date. You can access your account information through various means, such as loan statements, telephone banking, online banking, and in response to specific requests. To update your account information, please request changes at your local office, through the First Bank Service Center, with your Belay Bank Loan Officer.
 
Social Media Policy
Belay Bank’s purpose in having a presence in various social media sites is to engage with our current and potential clients. 
Our Social Media sites are NOT intended to serve as a client service channel, although your comments are always welcome. However, if you need assistance with your mortgage loan, please contact  First Bank Mortgage Servicing at 800-876-5566 or the First Bank Service Center at 800-760-2265 or visit us at www.belaybank.com to find a location near you.  If you post a comment on any of our social media sites,  the First Bank Service Center may reach out to assist with any questions or concerns regarding your experience with us.  For your own protection, you should never post an account or telephone number, or any other personal identifying information. 
The social media sites that Belay Bank participates in are owned by third parties and are not affiliated with Belay Bank.  Each site has its own policies and procedures that you have agreed upon by using their product.  We encourage you to familiarize yourself with the privacy and security policy posted on each social media site, for your own protection.
Belay Bank does not tolerate inappropriate comments from users.  We reserve the right to remove any posts or comments that Belay Bank in its own discretion deems inappropriate.
 
Updates to This Privacy Statement
We reserve the right to make changes to both our practices and this Privacy Statement from time to time.  Please check this site frequently to determine if changes have been made. When the Privacy Statement is revised,  we will   post the updated version  with the new effective date.