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Privacy Policy

What does Goldwater Bank do with your personal information?
Facts WHAT DOES Goldwater Bank, N.A., N.A. 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 balance and payment 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 Goldwater Bank, N.A., N.A. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information: Does Goldwater Bank, N.A., N.A. 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. 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
How we protect your personal information
Who we are
Who is providing this notice? Goldwater Bank, N.A., N.A.
How does Goldwater Bank, N.A., N.A. 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. We restrict access to your personal information to only those employees who need to know. We require all companies with whom we share your information to keep it confidential.
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 Goldwater Bank, N.A., N.A. chooses to share; and whether you can limit this sharing.
How does Goldwater Bank, N.A., N.A. 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. We restrict access to your personal information to only those employees who need to know. We require all companies with whom we share your information to keep it confidential.
How does Goldwater Bank, N.A., N.A. collect my personal information? We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • 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 creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
What personal information is shared
Word Definition
Affiliates 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.
Non-Affiliates 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 balance and payment history
  • Credit history and credit scores
Joint Marketing 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 Goldwater Bank, N.A., N.A. chooses to share; and whether you can limit this sharing.
OTHER IMPORTANT INFORMATION

You can help protect your privacy by using caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the bank and asks for your account number or any other identifying or account-related information, you should beware. Goldwater Bank, N.A., N.A. does not ask bank customers for personal information via email or phone. Anyone who receives an email or phone call that claims to be from Goldwater Bank, N.A., N.A. and asks for account information should consider it to be a fraudulent attempt to obtain their personal account data and should not follow the instructions in the email or over the phone.

Security information
SECURITY STATEMENT

Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank’s Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

 

SECURE DATA TRANSFER

Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank’s server issues a public key to the end user’s browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

 

Router and Firewall

Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
Using the above technologies, your Internet loan application and check reorder transactions are secure.

 

Identity Theft

It is important to be proactive in understand and reporting Identity Theft. Please visit www.identitytheft.gov and see a step by step plan of action to limit damage to your personal information.

 

Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account (e.g., establishes a formal relationship by means of a loan application).

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Goldwater Bank N.A.

NMLS #452955
23500 Mercantile Road
Beachwood, Ohio 44122
(877) 332-8880 | Toll Free (888) 400-0378 | Facsimile