CARD CENTER PRIVACY POLICY

Updated January 2022

Introduction

Your privacy is very important to us. This Card Center Privacy Policy describes how Broadx Finance collects, uses, and in certain cases, shares your Personal Information when you access or use Card Center.  By accessing or using Card Center, you agree to the practices regarding your personal information described in this Privacy Policy. 

As you review this Card Center Privacy Policy, keep in mind:

• If you have obtained a financial product from us for personal, family, or household purposes, we will use and share any information that we collect from or about you in accordance with our Consumer Privacy Notice. Federal and state laws give consumers the right to limit some but not all sharing. You may opt out of information sharing by submitting the online Information Privacy Opt-out form. 
• We provide other online tools and platforms not covered by this Online Privacy Policy. If you visit or access your accounts from one of these sites, please review the privacy notices of that site to understand how your information may be collected, used or shared. You can review our Online Privacy Policy here.
• If you have questions after reviewing our Online Privacy Policy, please read our Frequently Asked Questions about Privacy Notices.
• If you are a California resident, please see our Privacy Notice for California Residents. 

About Us and Card Center

Broadx Finance, N.A. (which operates as the following: Broadx Financial Advisors, Broadx Leasing Company, Broadx Private Bank, and Broadx Mortgage Company) is a subsidiary of Broadx Financial Corporation (“FFC”). The terms “we,” “our” and “us” refer to Broadx Finance, N.A. and FFC. The terms "you" and "your" refer to individuals accessing or utilizing Card Center.

Card Center (the “App”) helps you control your debit cards through your mobile device, making it easy to manage your finances on the go. The Card Center App allows you to:

• Add debit card to a digital wallet
• Turn debit card ON or OFF
• Submit an online travel notification
• Set up transaction alerts
• Get real-time spending & fraud alerts (one way)
• View recurring payments you set up at merchants
• Control transaction amounts / spending
• Get a virtual/digital debit card view (with online shopping)

Changes to this Card Center Privacy Policy

This Card Center Privacy Policy is subject to change. Please review it periodically. When we make changes to our Card Center Privacy Policy, we will revise the “Last Updated” date at the top of this Policy. Any changes to the Policy will become effective when we post the revised notice on our website.

Information Collection and Use

Types of Information We Collect: 

Personal Information

We use the term “Personal Information” to describe information that can be associated with you and can be used to identify you or your household.  Personal Information does not include information we collect that does not or cannot be reasonably used to identify you personally.

When you access or use Card Center, we may collect Personal Information from you such as your name, postal address, email address, telephone number, Social Security number, or date of birth, as well as any other information you provide to us through our forms, surveys, applications, or similar online fields in connection with providing services to you.

We will collect the financial and transaction information necessary to provide you with services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.

We also may log information about you, your computer or mobile device, and your interaction over time with Card Center, our communications, and other online services, such as:

• Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.
• Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to Card Center, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
• Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
• Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
• Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
• Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by Card Center, we will collect your location information when you use Card Center; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

Ways We Collect Information:

• You provide information to Us. We collect personal information that you provide to us through the App or through use of our forms, surveys, applications or similar online fields, in connection with providing services to you through the App. 
• We obtain information from others. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our services on the Card Center. We obtain anonymous information from third parties to customize your online experience. 
• We gather information online. We use tools, including cookies, to gather information for internal use including Site analytics and to personalize your Site experience. 
  
  Our affiliates do not automatically collect Personal Information from visitors to affiliate Sites.  In addition, when you use our Sites, we will not permit unaffiliated third parties to collect Personal Information about you.

Use of the Information We Collect:

Personal Information we collect is used to provide you with a tailored online when you access or use the Card Center. We use it to help determine your financial interests and needs to recommend relevant products and services.  This information is also used to authenticate your identity, process your transactions, prevent fraud, and to qualify you for products and services you request. 

Our may use online tracking technologies (cookies and click stream auditing) in order to:

• Improve the Card Center
• Identify and address problems
• Analyze web traffic trends
• Monitor and maintain information about Card Center visits
• Protect the security and integrity of the Card Center

We may also use the information we collect through the CARD CENTER:

• to respond to your inquiries and fulfill your requests;
• to send administrative information to you, such as information regarding Card Center and changes to our terms, conditions, policies or products and services;
• to deliver marketing communications that we believe may be of interest to you, including ads or offers tailored to you;
• to verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information;
• to personalize your experience on Card Center;
• to allow you to apply for products or services (e.g. to prequalify for a mortgage, apply for a credit card, or to open a retirement account investment account or other financial product) and evaluate your eligibility for such products or services;
• to allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities.
• to allow you to use some financial planning tools. Information that you enter into one of these planning tools may be stored for future access and use.;
• for business purposes, including data analysis, audits, developing and improving products and services, enhancing Card Center, identifying usage trends and determining the effectiveness of promotional campaigns;
• for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;
• allow you to utilize features within Card Center by granting us access to information from your device such as contact lists, or geo-location when you request certain services

DISCLOSURE OF YOUR PERSONAL INFORMATION

We disclose your personal information collected through your use of Card Center, as described below:

(a) In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.

(b) Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.

(c) Authorities and Others. Regardless of any choices you make regarding your personal information, the App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.

Understanding Cookies and Other Tracking Technologies

Cookies and Click Stream Auditing:

Cookies are small pieces of information that a website stores on a visitor's web browser.  Our affiliates do not store confidential or sensitive information in cookies.

Cookies are used within the online banking login process to identify a user's computer to better enhance security. If a cookie is not on the computer or the user changes computers, the user will be asked to re-authenticate. This process helps add an additional level of security for our customers.

Cookies cannot be used to capture your e-mail address, obtain data from your hard drive, or gain confidential or sensitive information about you. Additionally, cookies cannot be read by a website other than the one that set the cookie. Some websites, however, use cookies to obtain information from your browser. You can set your browser to notify you before accepting a cookie, so that you can control whether you accept or reject a cookie. If you do not accept cookies, your experience at our Sites may be impacted.

Click stream auditing is the process of collecting and analyzing information such as a web user’s IP address, web pages which referred a web surfer to our website, date and time, domain type, and when a web surfer has responded to an advertisement.

Pixel Tags and Advertising:

We may also use a technology called pixel tags (also known as "clear gifs," "Web beacons" or "1-by-1gifs") on our Sites. These may be used in connection with certain pages of our Sites or with email messages to measure the effectiveness of our communications and our marketing campaigns, to compile statistics about usage and response rates, and to assist us in resolving issues that may arise on our sites.

We use third party advertising and media companies to serve ads on our behalf across the internet and to help manage and optimize our internet business and communications. These networks use both cookie and pixel tag technology to measure the effectiveness of ads for their clients, none of which contain Personal Information, during your visits to this and other websites in order to provide information about goods and services that may be of particular interest to you. We limit these networks from using the information collected by these cookies and pixel tags for any purpose other than to assist us in our advertising efforts. From time to time, we may also share Anonymous Information with such third party companies in an aggregate form, for purposes of analysis and improvement of our website. At no time is any personal information passed to these third parties.

Making Sure Your Information is Accurate and Individual Rights

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please visit your branch or contact us at Customer Service at 1.800.385.8664.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws. We may ask you to verify your identity in order to help us respond effectively to your request. Requests should be directed to privacy@fult.com or 717.291.2799.

Personal Information on Children

We respect the privacy of children and encourage all parents to supervise their children’s computer usage.  We do not intend to invite children to visit FFC Sites and online services and we do not knowingly collect or retain personal information from children under the age of thirteen (13).  For more information on the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website at www.ftc.gov.

Social Media

FFC maintains information about our products and services on social media sites including but not limited to, LinkedIn, Facebook, Twitter, and You Tube. When you post information on our social media pages it will be subject to the privacy and security policies of the respective social media site. Please refer to them to better understand your rights and obligations when posting information.  Please keep in mind that any information you share could be visible to all participants on these social media sites and you should never post any sensitive personal information (such as account number or tax identification).

Security

We take our responsibility to protect your Personal Information very seriously. To protect Personal Information from unauthorized access and use, we apply administrative, technical and physical security measures that comply with applicable federal and state laws.

LINKS TO OTHER SITES

The Card Center App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The Card Center App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.