The types of personal information we collect and share depend on the service that we provide to you but includes information by which you may be personally identified, such as name, address, email address, telephone number, date of birth, bank account information, and social security number (collectively, “personal information”). The collection of this information is necessary to provide the functionality of the Website and/or to comply with applicable laws and regulations related to the Website’s product offerings.
We also gather automatic information such as your IP address, statistics on page views and traffic, and other information collected through cookies and other tracking technologies. We may also use third party analytics tools to help optimize our service, but no personally identifiable information is collected about you unless you explicitly submit that information via our fill in forms. We may keep records and copies of all correspondence if you contact us. We may keep details of transactions you carry out through the Website.
Web Beacons. Web beacons may be used to improve your experience on our Site, including helping provide you with content customized to your interests on both our website or in emails we send you. They also help us to understand whether users read email messages and click on the links contained within those messages so that we can deliver relevant content and offers. Our web beacons may collect some contact information (e.g., the email address associated with an email message that contains a web beacon).
Google Analytics. We may use third party services such as Google Analytics that collect, monitor and analyze information such as Internet Protocol (“IP”) address, browser type, browser version, the pages visited, the time and date of use, the time spent on pages and other statistics order to increase the Website’s functionality. This may also include Google’s User-ID feature, which assigns to you a unique, persistent, and non-personally identifiable ID to help us recognize you across sessions and devices. While you cannot opt out of such collection you have the choice to close your account. Google also has its own policies addressing how they use such information and how you may opt out.
We use information that we collect about you or that you provide us to present the Website and its contents to you, for the following purposes:
Verify your identity
Complete transaction documents
Enable automatic payments and fund transfers
Contact you regarding a transaction you requested or to discuss a problem with your
Maintain regular communications with you as may be necessary to fulfill our obligations to you or to execute requested transactions
To provide you with information, products or services you request from us or that may be of interest to you
To better understand the behavior of our users and improve the Website and our product offerings
In any other way we may describe when you provide the information; and for any other purpose with your express consent
To comply with regulators' requests for information and meet other legal requirements
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.
Compound Banc works with (among others) providers of hosting services for the Site, electronic signature providers, and electronic payment service providers. We may engage third parties to help us carry out certain other internal functions such as account processing, funds transfer, client services, or other data collection relevant to our business. Examples of third parties might include those that perform data processing, reporting, tax documentation, custody or escrow services. Information is shared with these third parties only to the extent necessary for us to process the transactions you initiate or perform other specific services. Our partners are legally required to keep your information private and secure.
We may share your information with law enforcement or other government agencies as required by law or for the purposes of limiting fraud. We reserve the right to disclose your personally identifiable information when we believe that disclosure is necessary to protect our rights or to comply with a judicial proceeding, court order or legal process. We further reserve the right to disclose any of your personal information that we believe, in good faith, appropriate or necessary to take precautions against liability, to investigate and defend against any third-party claims or allegations, to assist government enforcement agencies, to protect the security or integrity of the Site or our services, or to protect the rights, property or personal safety of Compound Banc, its users, issuers, or others.
We may also share your information with a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users is among the assets transferred. Should this situation arise, we will notify you in advance and give you a chance to continue or close your account.
In consideration of your use of the Site, you agree to (a) provide accurate, current, and complete information as may be prompted by any registration forms on the Site ("Registration Data"); (b) maintain the security of your password and identification; (c) maintain and promptly update the Registration Data, and any other information you provide to Compound Banc, to keep it accurate, current, and complete; and (d) be fully responsible for all use of your account and for any actions that take place using your account.
We have put in place security systems designed to prevent unauthorized access to or disclosure of Personally Identifiable Information, and we take all reasonable steps to secure and safeguard this Information, including:
Our Site's password-protected section requires users to give us unique identifiers such as their email address;
We employ a secure channel, using Secure Sockets Layer encryption, the standard for secure Internet network connections, to protect information exchanged over the Internet between your web browser and our servers;
Enable automatic payments and fund transfers
We encrypt your Social Security Number at-rest, so it will be inaccessible in the unlikely event of a data breach;
We provide access to our databases containing Personally Identifiable Information on a need-to-know basis only; and
We use automated tools to monitor network traffic to identify unauthorized attempts to upload information, change information, or otherwise seek to gain unauthorized access to our systems.
Unfortunately, the transmission of information via the internet is not completely secure. Although we employ commercially reasonable, industry-standard methods to protect your personal information, we cannot guarantee the security of your personal information transmitted to the Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
We aim to provide you with choices regarding the personal information you provide to us. Users of our Site may therefore opt out of some communications from our Site.
We have created mechanisms to provide you with the following control over your information:
Emails from the Company. If we have sent you a promotional e-mail, you may send us a return e-mail asking to be omitted from future e-mail distributions or click the unsubscribe link at the bottom of each non-transactional email.
From time to time, we may send surveys, requests for feedback regarding user experience, and Site operations or additional services from us or from us on behalf of our marketing partners, including by telephone to cellular phone numbers or text messages, if you have provided us with these numbers. The completion of surveys or requests for feedback or acceptance of any offer is voluntary. If you do not wish to receive these offers, surveys, or user feedback emails, please opt out in any offer email received from us. Compound Banc honors your privacy preferences, and you may opt out of all solicitations by emailing us at firstname.lastname@example.org.
If you are a California resident, California law grants you the ability to receive additional information regarding how we collect, use and share your “personal information” (as defined in the California Consumer Privacy Act (“CCPA”)), other than the personal information we collect in connection with providing our services.
Depending on how you use our website and services, we may collect the following categories of personal information about you, in addition to the information we collect in connection with providing our services:
Identifiers, such as name, contact information, and Internet Protocol (IP) address
Internet or other network information, such as use and interaction with our website, and browsing history
If you are a California resident, you have certain rights. Depending on the circumstances, California law may permit you to request that we:
Provide you the categories of personal information we have collected or disclosed about you in the last twelve (12) months; the purposes for which we collected your personal information; and the categories of third parties with whom we shared personal information.
Provide you the personal information we have collected about you
Delete certain information we have about you i.e.
California law permits consumers who are California residents to request and obtain from us once a year, free of charge, a list of the third parties with whom we have shared personal information for their direct marketing purposes within the previous calendar year, along with the type of personal information disclosed.
Due to federal law (as reflected in the Children's Online Privacy Protection Act), WE DO NOT ALLOW INDIVIDUALS WHO WE KNOW ARE UNDER 18 TO PARTICIPATE IN OUR SITE OR SERVICES. YOU MUST BE AT LEAST 18 YEARS OLD TO USE OUR SITE AND SERVICES. Please understand that we cannot necessarily tell if a user is providing us with his or her true age.