CBANC Network, Inc. (“CBANC”) values your privacy
Information We Collect
We may collect information about you directly from you and from third parties, as well as automatically through your use of our Site or services.
Information We Collect Directly From You
The information that we collect from or about you depends on your interaction with our Site and our services. We require you to register with us to use certain areas and features of our Site, such as viewing, contributing, downloading, commenting, rating, or otherwise submitting any user-generated content. To register, we will collect a business email address; we also may collect your name, the name of the financial institution your work for, your phone number, your address, and/or related information as may be appropriate to validate your identity. You may provide additional information to us, such as contact information and information about how you came to our Site. If you purchase anything from us (e.g., Premium Services) we will also collect your credit or debit card information and billing information.
Information We Collect Automatically
How We Use the Information We Collect
We use your information for the following purposes:
How We Share the Information We Collect
We may share your information, including personal information, as follows:
Non-registered CBANC Users
Registered CBANC Users
Non-Affiliated Third Parties
If we are acquired by or merged with another company, if substantially all of our assets are transferred to another company, or as part of a bankruptcy proceeding, we may transfer your information to the other company.
In Response to Legal Process
We also may disclose your information in order to comply with the law, a judicial proceeding, court order, or other legal process, such as in response to a court order or a subpoena.
To Protect Us and Others
We also may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person, violations of our Terms of Service or this Policy, or as evidence in litigation in which we are involved.
Aggregate and De-Identified Information
We may share aggregate or de-identified information about users with third parties for marketing, advertising, research, or similar purposes.
Local Storage Objects
We or our service providers may use Flash Local Storage Objects (“Flash LSOs”) to store your Site preferences and to personalize your visit. Flash LSOs are different from browser cookies because of the amount and type of data stored. Typically, you cannot control, delete, or disable the acceptance of Flash LSOs through your web browser. For more information on Flash LSOs, or to learn how to manage your settings for Flash LSOs, go to the Adobe Flash Player Help Page, choose “Global Storage Settings Panel” and follow the instructions. To see the Flash LSOs currently on your computer, choose “Website Storage Settings Panel” and follow the instructions to review and, if you choose, to delete any specific Flash LSO.
Clear GIFs, pixel tags and other technologies
Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web pages. We or our service providers may use clear GIFs (a.k.a. web beacons, web bugs, or pixel tags) in connection with our Site to, among other things, track the activities of Site visitors, help manage content, and compile statistics about Site usage. We or our service providers also use clear GIFs in HTML emails to our customers, to help us track email response rates, identify when our emails are viewed, and track whether our emails are forwarded.
Third-Party Analytics and Tracking
For more information regarding this practice by NAI members and DAA members, and your choices regarding having this information used by these companies, including how to opt out of third-party ad networks operated by NAI and DAA members, please visit their respective websites: www.networkadvertising.org/optout_nonppii.asp (NAI) and www.aboutads.info/choices (DAA). Opting out of one or more NAI member or DAA member networks (many of which will be the same) only means that those members no longer will deliver targeted content or ads to you. It does not mean you will no longer receive any targeted content or ads on our Site or other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing.
Also, if your browsers are configured to reject cookies when you visit this opt-out page, or you subsequently erase your cookies, use a different computer or change web browsers, your NAI or DAA opt-out may no longer be effective. Additional information is available on NAI’s and DAA’s websites accessible by the above links. User-Generated Content Our Site is designed for sharing content, including documents, questions and answers, reviews, feedback on regulatory issues, and any other information that you would like to be available on our Site. If you post content to our Site, the following information that you post will be available to all visitors to our Site: your employing financial organization, including the type of organization and office, asset size, and location.
As noted above in our discussion about how we share your information, registered users will be able to see your name and the financial institution with which you are affiliated; they also will be able to download the information you post to our Site and view the full document contents. Any content that you post to our Site will become public, and we cannot prevent such information from being used in a manner that may violate this Policy, the law, or your personal privacy.
Our Site may contain links to third-party websites. Any access to and use of such linked websites is not governed by this Policy, but instead is governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites.
Security of My Personal Information
We have implemented commercially reasonable precautions to protect the information we collect from loss, misuse, unauthorized access, disclosure, alteration, and destruction. Please be aware that despite our best efforts, no data security measures can guarantee 100% security. You should take steps to protect against unauthorized access to your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a robust password that nobody else knows or can easily guess, and keeping your log-in and password private. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity.
Access to My Personal Information
You may modify personal information that you have submitted by logging into your user profile page and updating your profile information. Please note that copies of information that you have updated, modified, or deleted may remain viewable in cached and archived pages of the Site for a period of time. We may send periodic promotional or informational emails to you. You may opt out of such communications by following the opt-out instructions contained in the email. Please note that it may take up to 10 business days for us to process opt-out requests. If you opt out of receiving emails about recommendations or other information we think may interest you, we may still send you emails about your account or any services you have requested or received from us.
Special Information for California Consumers
California residents may request a list of certain third parties to which we have disclosed personally identifiable information about you for their own direct marketing purposes. You may make one request per calendar year. In your request, please attest to the fact that you are a California resident and provide a current California address for your response. You may request this information in writing by contacting us at the contact information below. Please allow up to thirty (30) days for a response. Contact Us If you have questions about the privacy aspects of our services or would like to make a complaint, please contact us by email at firstname.lastname@example.org, by phone at 512.583.4570, or by mail at: 4200 N Lamar Blvd Suite 250, Austin, TX 78756
Changes to this Policy
This Policy is current as of the Effective Date set forth above. We may change this Policy from time to time, so please be sure to check back periodically. We will post any changes to this Policy on our Site, at https://www.cbancnetwork.com/privacy-policy. If we make any changes to this Policy that materially affect our practices with regard to the personal information we have previously collected from you, we will endeavor to provide you with notice in advance of such change by highlighting the change on our Site.