PRIVACY

Respecting and protecting individual privacy is vital to our business. By sharing our Privacy Principles, we trust that that you will better understand how we keep information private and secure. At Behalf, you are covered by the terms and conditions and any privacy notices posted on the site.

We may disclose and transfer any information that is provided to us through this Web site to any company within the Behalf group, its affiliates, agents or information providers; to any other person or entity with your consent; or if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. We may also transfer or process such information to, or through, any country in the world, as we deem necessary or appropriate.

We protect your information.

We take our responsibility to protect the privacy and confidentiality of any information we receive 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 confidentiality 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.

We endeavor to collect, use and maintain information only for appropriate purposes.

We limit the collection, use and retention of information to what we reasonably believe will help us deliver superior service, to administer our business, manage our risks, market our services and products, and to meet applicable laws and regulations.

We share information with affiliates and with other users when we believe it will enhance the services and products we can provide to you or for legal and routine business reasons.

1) We share your information among affiliates and business units when we believe it will enhance the services we can provide to you, but only in circumstances where such sharing conforms to law, any applicable confidentiality agreements, our policies and practices, or where you have consented to such sharing.

2) We may disclose information we have as permitted by law. For example, we may share information with regulatory authorities and law enforcement officials who have jurisdiction over us or if we are required to do so by applicable law and to provide information to protect against fraud.

3) From time to time, we enter into agreements with other companies to provide services to us or make services and products available. We also share your information with vendors (merchants) from which you have purchased goods or services if those goods are financed under a program serviced or administered by us. Under these agreements, the companies may receive information, but they must safeguard this information and they may only use it for those purposes that we specify.

Security

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.

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 and payment history

    •    Credit history and credit scores

 

When you are no longer our customer, we continue to share your information as described in this notice.

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 No We don’t share
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:

 

    •     Apply for a loan or give us your contact information

    •     Give us your employment history or give us your income information

    •     Make a wire transfer

 

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.

    •     FinWise Bank doesn’t jointly market.