To learn how we handle personal information collected from consumers, whether via the Website or other means, please click here to access the Laurel Road Bank Privacy Notice.
At Laurel Road Bank (the “Bank”), we value your business and the trust you put in us. We understand that protecting the privacy and confidentiality of your personal and account information is of the utmost importance. To help you better understand what information we collect and how we use it, please read the following statement regarding our practices with respect to the privacy of customer information.
What Information We Collect
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other loan and account forms, such as your name and address, social security number, assets and income;
- Information about your transactions with us, our affiliates, or others, such as your loan payment history, account balances, ATM transactions, and check information; and
- Information we receive from a consumer reporting agency, such as creditors, payment history, and loan balances.
What Information We Disclose
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
For example, we may disclose personal information to
- Service providers such as data processor to assist in the recordkeeping and administration of your account records;
- Legal representatives, to assist in the drafting and executing of required account documents;
- Consumer credit bureaus;
- Check printing services.
Safeguarding the Security of Customer Information
We maintain physical, electronic and procedural safeguards that comply with federal standards to protect customer information, and continually evaluate new technology to improve those safeguards.
Our safeguards include limiting access to your account to only those employees who need to know that information to properly maintain and service your account. We require all vendors who provide services to the Bank to sign a confidentiality agreement regarding customer information. Training is required for all of our employees regarding the Bank’s privacy policies and procedures, as well as the overall importance of safeguarding the privacy of customer information.
Laurel Road Bank Website
Why and how do we collect non-personally identifiable information from visitors to the Website?
Laurel Road advertises online and offline. To understand how our online advertising performs, we (or our service providers) may collect certain information regarding your usage of the Website, using cookies, IP addresses and other technologies such as anonymous identifiers.
Your IP address is an identifying number that is automatically assigned to your computer by your internet service provider (ISP). This number is identified and logged whenever you visit the Website.
What non-personally identifiable information is collected on the Website?
Information gathered may include the date and time of your visits, pages viewed, and the other websites visited just before and just after our Website, as well as the type of browser or operating system you are using and the domain name of your ISP.
In the case of mobile devices, we may collect the following information: (i) your location – upon your first use you will be prompted for permission for us to use your location (which you may decline) in order to offer you relevant services; and (ii) the type of device used.
What do we do with non-personally identifiable information collected on the Website?
We use this information to administer the Website, assess our advertising programs, and improve our Website and marketing efforts.
We use your IP address, and the IP addresses of all users, to calculate usage levels, help diagnose problems with the Website servers, and to generally administer the Website. Your IP address also may be used to help identify you, to track activity within our Website and to gather demographic information.
We sometimes use the non-personally identifiable information that we collect to improve the design and content of our Website and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze how our Website are used, as well as to offer you products, programs or services that may be of particular interest to you. We may share aggregate information with others, including affiliated companies and non-affiliated companies.
In addition, our Website may implement several Google Analytics for Display Advertisers Features, including:
Remarketing with Google Analytics
Google Display Network Impression Reporting
DoubleClick Platform Integrations and/or
Google Analytics Demographics and Interest Reporting
These features are used to understand how our advertising performs and to improve our marketing efforts and the Website. For example, we may use Google Remarketing and/or DoubleClick to advertise our products and services. Third-party vendors, including Google, show our ads on sites across the Internet. We and third-party vendors, including Google, use first-party Google Analytics cookies and third-party DoubleClick cookies together to serve advertisements that may be of interest to you based on your past visits to the Website. For more information on how Google Analytics collects and processes data, please see http://www.google.com/intl/en/policies/technologies/ads/.
We will not use these features to track, collect or upload any data that personally identifies an individual (such as a name, email address or billing information), or other data which can be reasonably linked to such information by Google.
You can Opt Out of Google Analytics for Display Advertisers Features by:
Changing your settings at Google’s Ad Settings (http://www.google.com/settings/ads)
Installing an Opt-Out browser add-on available at https://tools.google.com/dlpage/gaoptout/
Adjusting the settings on your web browser (See http://www.google.com/intl/en/policies/technologies/managing)
Do we share the non-personally identifiable information we collect with third parties?
We may share with third parties your non-personally identifiable information for any legal purpose. For example, we may share your information with third parties that assist us in providing our services, for advertising and marketing purposes, and potentially other reasons. In addition, we may transfer any information in our databases to a third party as part of a transfer of business assets, or release information to comply with requests from law enforcement and government agencies, to enforce the terms of our services, and to protect our customers and others.
For California Residents: “Do Not Track” Requests
Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not respond to browser “do not track” signals, but we do provide you the option to opt out of Google advertising features, as noted above.
Use of Data Provided in Online Forms
Visitors may elect to provide us with personal information via e-mail and online forms. Our policies and practices with regard to any personal information you submit to us online are set forth in our Privacy Notice.
Protecting the privacy of our children is essential to Laurel Road Bank. Our Website are not designed to market to children under the age of thirteen (13) or obtain information or data from them. We subscribe to the practices specified under the Children’s Online Protection Act.
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