PRIVACY

Protecting customer privacy is vital to our business. By sharing our Privacy Policy, we trust that you will better understand how we keep your information secure and when we may share your information with third parties. At Behalf, you are covered by the terms and conditions and any privacy notices posted on this website.

Information We Collect
We may collect any and all information (“Information”) that is present within, associated with, or relates to this website, any other Behalf-branded website, and any Behalf-branded payment or financing product or service.  This includes information about customers of Behalf products and the owners and other natural persons acting on behalf of customers (collectively, “you” for the purposes of this Privacy Policy). Information we collect may include, without limitation:

  • Information collected when you interact with a Behalf website, such as your IP address, information about your device, your activity while in the Behalf website, your location when using a Behalf website, and similar information. This also may include data from cookies, web beacons, Flash objects, and/or pixel tags we use to collect information about your activity online, such as the time and duration of your visit to a Behalf site, the pages you viewed, and your response to a Behalf email or advertisement.
  • Information you provide when applying for a Behalf-branded product or service, such as the information you provide when applying for a Behalf-branded account, information about transactions you make using a Behalf-branded account, and information you provide when you create and use an online Behalf account. This includes both information regarding you as a business entity and information regarding the natural persons associated with the business entity, including information such as your name, mailing address, phone number, Social Security number, business financials, and email address.
  • Information that we obtain from third parties when you use a Behalf-branded product or service. This can include information from business and consumer reporting agencies, information from merchants that accept payments from a Behalf-branded account.

You authorize us to collect such Information and for us to use it for any lawful purpose.  Without limiting the foregoing, (i) you authorize us to collect, store, and use information regarding your location when you interact within any Behalf website or apply for or use any Behalf-branded product or service; and (ii) if you are a natural person, you authorize us to obtain consumer reports about you when you apply and while you have a Behalf-branded account.

If you create an online Behalf account, you may log into that account to review and request changes to your online account information.  Third parties we work with also may collect information about you, including personally identifiable information such as your online activities over time and across different websites when you use a Behalf website or your use of a Behalf-branded product or service.

How We Protect Your Information
We take our responsibility to protect the privacy and confidentiality of the information we receive about very seriously. We maintain physical, electronic, and procedural safeguards to comply with applicable legal standards to store and secure information from unauthorized access and use, alteration, and destruction. Our own policies and procedures have been developed to protect the security of your information and to help achieve compliance with relevant rules and regulations. We hold our employees accountable for complying with those policies, procedures, rules, and regulations.

How We Share Your Information
Unless prohibited by applicable law, we may share Information with (i) any of our corporate affiliates, (ii) any merchants accepting payments from Behalf-branded accounts; and (ii) any third party. This may include, without limitation, sharing with:

  • Our vendors, service providers, and others in connection with providing Behalf-branded products or services to you.
  • Any governmental authority when required by law, or upon a request or demand from such authority.
  • Merchants accepting payments from a Behalf-branded account, including information such as if you have applied for financing under a program serviced or administered by Behalf, the status of your application, information about your account, and other information about you and your account.
  • Business and consumer reporting agencies.
  • Other third parties, including without limitation, for marketing by such third parties.
  • If you become a former customer, we will continue to share your information as described in this notice.

You authorize us to share Information as described above.  Without limiting the foregoing, if you are a natural person, you authorize us to share consumer report information about you with third parties to the extent reasonably necessary to facilitate a transaction requested or initiated by you.

Other Important Information

Keeping Your Information Secure
While Behalf is committed to ensuring the highest standard of security on our systems, you as the end-user also play an important role to ensure that you are adequately protected when you use the Internet. The following security best practices are recommended:

  • Install anti-virus, anti-spyware and other internet security software. Use it regularly and keep it up-to-date.
  • Take advantage of your computer’s security features. Make sure your browser uses the strongest encryption available and be aware of the encryption levels of the sites and applications you use.
  • Regularly update your operating system and Web browser software with the vendor’s software patches and updates to protect you against known vulnerabilities.
  • Do what you can to prevent unauthorized people from using your computer.
  • Change your passwords often. Be sure to choose passwords that are hard for others to guess.
  • If you notice suspicious activity in your accounts, report it immediately to the appropriate parties.
  • Do not download or open any attachments sent to you by unsolicited email. Once opened, these programs may contain malicious programs that can compromise your computer’s security.
  • Be on the alert for phishing scams. Access Web sites by typing the Web addresses directly into your Web browser or by using Web addresses you have bookmarked, instead of via embedded links in unsolicited emails.

If you feel you may have received a fraudulent email appearing to come from Behalf, please email us as soon as possible by filling out the form here.

“Do Not Track” Signals
We do not process or respond to “do not track” signals or other similar signals whereby a visitor to a website requests that it disable collection of information about the visitor’s online activities over time and across different websites.

Notice of Changes to this Privacy Policy
We may change this Privacy Policy from time to time.  We will notify you of those changes by posting a new version of this Privacy Policy to this website.  The effective date of this Privacy Policy, as indicated below, shows the last time this statement was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the statement.

Effective Date
This Privacy Policy was last modified on and is effective as of 10/22/2019.

FACTS

What Does FinWise Bank Do with Your Personal Information?

Why?

Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing.  Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us.  This information can include:

 

    •    Social Security number and income

    •    Account balances, payment and transaction history

    •    Credit history and credit scores

 

How?

All financial companies need to share customers’ personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons FinWise Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does FinWise Bank share?

Can you limit this sharing?

For our everyday business purposes-
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes- 
  to offer our products and services to you
Yes
No
  For joint marketing with other financial companies
Yes
No
For our affiliates’ everyday business purposes-
information about your transactions and experiences
Yes
No
For our affiliates’ everyday business purposes-
Information about your creditworthiness
No
We don’t share
For our affiliates to market to you
No
We don’t share
For nonaffiliates to market to you
No
We don’t share

Questions?

 Call 801-501-7200 or go to www.finwisebank.com

 

Who we are

Who is providing this notice?

FinWise Bank

What we do

How does FinWise Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.

 

FinWise Bank’s policy is such that access to confidential information is provided only to those employees who need to know such information to administer your account(s).

How does FinWise Bank collect my personal information?
We collect your personal information, for example, when you:

 

    •     Open an account, make deposits or withdrawals from your account

    •     Apply for a loan or pay your bills

    •     Give us your contact information, employment history or income information

    •     Make a wire transfer or use your credit or debit card

 

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?
Federal law gives you the right to limit only:

 

    •     Sharing for affiliates’ everyday business purposes – information about your credit worthiness

    •     Affiliates from using your information to market to you

    •     Sharing for nonaffiliates to market to you

 

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates
Companies related by common ownership or control.  They can be financial and nonfinancial companies.

   •     Our affiliates include companies with a Holding Company interest in the Bank, our Holding Company is “All West Bancorp”.

Nonaffiliates
Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

    •     FinWise Bank does not share with nonaffiliates so they can market to you.

Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

    •    Our joint marketing partners include financial service providers, such as online lending platforms.