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Privacy Policy

WHAT DOES GENUBANK 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:

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 GenuBank chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information

Does GenuBank 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
NO
We don’t share
For joint marketing with other financial companies
NO
We don’t share
For our affiliates’ everyday business purposes — information about your transactions and experiences
NO
We don’t share
For our affiliates’ everyday business purposes — information about your creditworthiness
NO
We don’t share
For non-affiliates to market to you
NO
We don’t share

Questions?

Call (702) 228-0941, (702) 912-0700, or visit www.genubank.com.

WHAT WE DO

How does GenuBank 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.

How does GenuBank collect my personal information?

We collect your personal information, for example, when you:

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:

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 non-financial companies.

Non-Affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Other Important Information

For Alaska, Illinois, Maryland, and North Dakota Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization.

For California Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with California privacy laws that apply to us.

Special Notice for Nevada Residents

We are providing you this notice pursuant to Nevada law. You may be placed on our internal Do Not Call list by calling (702) 853-0900. Nevada requires that we provide contact information for the state’s Bureau of Consumer Protection to all consumers that do business with us. The contact information for the Bureau of Consumer Protection, of the Office of the Nevada Attorney General, is provided below.

Address: 555 East Washington Street, Suite 3900, Las Vegas, Nevada 89101
Phone: (702) 486-3132
Email: BCPINFO@ag.state.nv
Website: www.ag.state.nv.us/org/bcp.html

INTERNET PRIVACY

Browsing Our Site

When you visit our website to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. To evaluate the usefulness of our site, we may gather and analyze data regarding usage such as:

About “Cookies”

To provide better service and a more effective web site, 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. We do not use cookies to get data from your hard drive or to get your email address or personal identifying information. 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.

How We Handle E-Mail

When you send us an e-mail to comment on something or to ask a question, we will use your e-mail address to reply to you and for a limited time we will store your e-mail address, your message and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your e-mail address in this manner, we won’t use it to let you know about our products and services unless you have given us permission. This information is not given or sold to any other organization.

E-Mail Security

Regular non-encrypted Internet e-mail is not secure. In the instances where our Internet e-mail addresses are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature. E-mail you send us may not be secure unless we advise you that it is secure prior to transmitting your message. Therefore, we recommend that you not send us confidential information such as social security or account numbers via unsecured email. You may also contact us by phone, U.S. mail or by visiting your nearest banking center.

On-Line Banking Security

The bank and the outside companies we work with to bring you your online banking have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you.

We use state-of-the-art Internet technology supported by the outside companies we work with to make online banking secure and to protect your personal information. We also require an I.D. and password or PIN to access your accounts. If you do not provide this information, we cannot establish an online banking service for you.

You can also help safeguard your personal information by taking a few simple precautions. Protect your account, PIN, and customer access numbers. Do not share your I.D. or password with anyone, change your password regularly, and remember to sign off. Never disclose confidential information to unknown callers. When banking on the Internet, be sure to use a secure browser and current virus detection software and never open e-mail from unknown sources.

Protecting Your Privacy Online

Whenever we ask for personal information on our web site, we use Secure Socket Layer (SSL technology) for transferring data. This technology encrypts – or scrambles – your account information so it’s virtually impossible to read by anyone other than employees at our Bank.

Secure Socket Layer (SSL) technology secretly encodes information that is being sent over the Internet between your computer and our Bank, helping to ensure that the information remains confidential. The use of SSL requires that you have an SSL compatible browser. While older browser versions may support SSL sessions, we strongly recommends the following browsers:

Protecting Your Children

Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of your children, and we comply with the practices established under the Children’s Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.Thank you for viewing our privacy statement.