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Our Privacy Commitment to You: We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers' information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as personal information of all consumers who visit our institution and website. In the event you terminate your customer relationship with us or become an inactive customer, we will continue to adhere to the policies and practices described in this notice.
Confidentiality and Security of Nonpublic Personal Information: We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Nonpublic Personal Information We Collect: We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us, our affiliates, or others
- Information we receive from a consumer reporting agency
Nonpublic Personal Information We Disclose: We may disclose the following kinds of nonpublic personal information about you:
- Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income.
- Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage.
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
Parties to Whom We Disclose Nonpublic Personal Information: To serve you better, we may disclose nonpublic personal information about you to our affiliates (businesses related to us by common ownership or control), such as an insurance company, a mortgage company or a holding company. We may also disclose non-public personal information to non-affiliated third parties to provide our customers with specialized services such as:
- Credit/debit cards, Internet Banking services, securities or check printing
Although these companies are not owned by or affiliated with 1st United Bank, they are business partners with whom we have contractual agreements and who have agreed not to disclose customer information to anyone without our permission.
We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
Joint Marketing/Service Provider Disclosure: We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
- Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income; and
- Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage; and
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
Fair Credit Reporting Act Information Sharing Opt Out: Under the Fair Credit Reporting Act, we have a right to share information regarding our transactions or experiences with you. Unless you instruct otherwise, we also have the right to share any other information about you with our affiliates (persons related by common ownership or affiliated by corporate control, now or in the future) either directly or indirectly. This other information may include, but is not limited to, application information, credit reports from a consumer reporting agency, and any other information we have about you. If you do not want us to share this other information with our affiliates you may utilize the opt out methods set forth below.
Opt Out Information
Financial Products or Services to Which Your Opt Out Applies: If you elect to opt out of information sharing we will treat that opt out as applying to all financial products or services that you have obtained from us in the past or that you may obtain from us in the future.
Your Right to Opt Out of Information Sharing: If you prefer that we not disclose nonpublic personal information about you or information not solely related to transaction or experiences with you to our affiliated companies or nonaffiliated third parties, you may opt out of those disclosures, that is you may direct us not to make those disclosures (other than disclosures permitted by law).
We will treat an opt out direction by any joint account holder as applying to all parties on the account.
You may notify us of your intent to opt out of affiliate and nonaffiliate sharing by using one of the following methods:
How to Opt Out of Information Sharing: To opt out of sharing information with our affiliated companies and/or nonaffiliated third parties, please complete and return the Notice of Intent to Opt Out to the following address: 1st United Bank, 6272 Lantana Road, Lake Worth, FL 33463, or fax the Notice of Intent to Opt Out to (561) 493-6339.
If we do not receive notice of your intent to opt out of information sharing with our affiliated companies or nonaffiliated third parties within 30 days of delivery of this notice to you, we are authorized to disclose information about you to our affiliated companies or to nonaffiliated third parties, in accordance with our privacy policies and practices. You may change your mind at anytime and within 30 days of having received notice of your intent to opt out or to rescind your notice to opt out, we will honor your request.
Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies: Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: 1st United Bank, 6272 Lantana Road, Lake Worth, Fl 33463.
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