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SECURITY and PRIVACY | Table of Contents
• Privacy
Policy Overview
•
Who is covered by this policy?
• What are your security practices
for safeguarding my information?
• What information do you
collect?
• What information do you
disclose and how can I prevent such disclosure?
• What can I do to protect
myself against identity theft?
• How will I know
if your Privacy Policy changes?
• How do I contact CNWB?
Privacy Policy | Protecting
your privacy is of the utmost importance to us. We want you to understand
what information we collect and how we use it. We use technology
to manage and maintain customer information to provide our customers
with a broad range of superior financial products and services as
effectively and conveniently as possible.
CNWB is a financial entity that conducts business
primarily on the Internet. We are dedicated to providing Internet
customers with the best online financial products and services loaded
with features that Internet users really want.
To maintain the security of your information throughout
the application process, CNWB uses the SSL (Secure Sockets Layer)
protocol that is built into most web browsers. When you enter application
information, your information is encrypted as it travels between
your computer and our servers. CNWB encourages the use of browsers
that use 128-bit encryption.
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Who
is covered by this policy | This Privacy Policy is provided
to you by CYBER NEW WORLD BUSINESS, Inc. ("CNWB") and their subsidiaries
and affiliates. As used in this Privacy Policy, "we," "us," "our,"
or "ours" refers to CYBER NEW WORLD BUSINESS, Inc. and their subsidiaries
and affiliates. "You," "your," and "yours" refers to each individual
who is one of our customers or former customers and other individuals
who obtain or request a financial product or service from us.
If you decide to close your account(s) or become an
inactive customer, we will continue to adhere to the privacy policies
and practices described in this notice.
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Security
Practices and the Safeguarding of Information | CNWB takes
customer data security very seriously. We have designed one of the
safest and most error-free systems on the Internet. As part of our
commitment to providing the highest level of security, we engage
expert, third party vendors to conduct regular reviews of our security
systems, and to ensure that our standards are not compromised.
We also take steps to safeguard customer information.
We restrict access to your personal and account information 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.
Please see our Security Policy for greater detail
regarding our security measures.
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Information
We Collect | As part of providing you with superior financial
products and services, we must understand your unique credit profile
and may collect "nonpublic personal information" about you, including:
Information we receive from you on applications,
surveys, online registrations or other forms, whether in writing,
by telephone, electronically or by any other means. This information
may include your name, address, employment information, income and
credit references.
Information about your transactions with us, our
affiliates, or others. This information may include your account
balances, payment history, and account usage.
Information we receive from credit reporting agencies,
such as information relating to your creditworthiness, your credit
score, credit usage and from third parties to verify information
you have given us.
"Nonpublic personal information" is nonpublic information
about you that we obtain in connection with providing a financial
product or service to you. For example, nonpublic personal information
includes information regarding your account balance and payment
history.
The amount of information we require you to provide
us with for our products and services is actually less than most
other financial institutions.
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Information
We Disclose | Our affiliates are the family of companies
controlled by CYBER NEW WORLD BUSINESS, Inc. Affiliates to whom
we may disclose personal information about you are in the financial
services business. We may share categories of nonpublic information
described above under "Information We Collect" with our affiliates
to carry out your transactions or to inform you of services or products
that might be of interest to you. Under the Fair Credit Reporting
Act, you have the right to prevent the sharing of certain information
among our affiliates. You can prevent the sharing of information
by following the opt out provision in your CNWB Account Agreement.
We are permitted under law to disclose nonpublic personal
information about you to "nonaffiliated third parties" in certain
circumstances. We may disclose nonpublic personal information about
you of the types described above under "Information We Collect"
to the following types of nonaffiliated third parties:
Financial services providers, such as companies
engaged in banking, credit cards and consumer finance.
Non-financial companies, such as companies engaged
in direct marketing and the selling of consumer products and services.
Service providers who perform marketing services
for us.
Financial institutions with which we may
have joint marketing arrangements
For example, we may disclose nonpublic personal information
about you to third parties to assist us in servicing your account,
to provide you with products and services you have requested, to
credit reporting agencies and as required by law. We may also disclose
nonpublic personal information about you to nonaffiliated third
parties as permitted by law.
We may also provide information about you to our service
providers to help us perform marketing services (including the marketing
of our products and services and the products and services of nonaffiliated
companies). The information provided to these service providers
may include the categories of information described above under
"Information We Collect" and is limited to
only that which we deem appropriate for these service providers
to carry out their services. These nonaffiliated companies are not
permitted to use this information for other purposes.
To provide you superior customer service, to offer
you access to our services and to make a wider range of products
and services available to you, we reserve the right to disclose
all nonpublic personal information about you to nonaffiliated third
parties. If you prefer that we not disclose nonpublic personal information
about you to such nonaffiliated third parties, you may opt out of
this disclosure, that is, you may direct us not to make those disclosures
(other than permitted by law).
When notifying us not to disclose your account information,
please provide us with your name and street address. Do not provide
your account number in this email as this email is not secured.
Your opt out preference will apply to accounts on which you are
the primary customer and will also apply to the authorized user
on the account. If the authorized user has separate accounts, your
opt out will not apply to those separate accounts. Please allow
30 days for your preference to take effect.
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Helping
Us Maintain Your Privacy and Protecting You from Identity Theft
| You are the most effective safeguard
against fraud. There are many steps you can take to ensure that
your personal information remains safe and secure.
Tips for safeguarding your personal
information:
Don't give your personal credit information, especially
your Social Security Number, over the phone unless you initiate
the call.
Destroy all receipts, bank statements and unused
credit card offers before throwing them away.
Watch closely for any missing mail.
Only mail your bills from secure mailboxes that
can't be opened by anyone other than U.S. Postal personnel.
Keep a close eye on your account statements for
any unauthorized charges.
Review your credit report once a year to confirm
its accuracy.
Make sure you only do business with companies
you know to be reputable, especially when doing business online.
When doing business online, make sure a padlock
or key icon is active on your browser.
Use virus detection software, and don't open email
from unknown sources.
Keep your PIN numbers secret, and don't carry
them in your wallet. Protect your passwords by using letters and
numbers in combination, and change them regularly.
If you suspect fraud, report it to your
bank and the three credit reporting agencies immediately. Contact
the fraud departments for the three credit reporting agencies at
the phone numbers below:
Trans Union 1-800-916-8800
Experian 1-888-397-3742
Equifax 1-800-525-6285
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Protecting
Children | We do not knowingly solicit data from nor knowingly
market to children. Our Web site is directed to adult customers
and potential customers. The application process is designed to
screen out applications submitted by children under the age of 18
so that a child will not open an account.
Parents can use various readily available software
packages to prevent their children from accessing Web sites that
they deem to be inappropriate. Parents can choose to utilize this
and other methods to limit the Web sites to which their children
have access.
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Changes
to our Privacy Policy | From time to time, we may modify
our privacy policy. A copy of this policy will be provided at the
time of account opening and annually for as long as you maintain
a customer relationship with us. If a change is made we will notify
you via email of the relevant changes. We also recommend that you
review this policy occasionally at our Web site.
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Contacting
Us | If you have questions about this privacy statement or
the business practices of this Web site, you can email us at privacy@cnwb.com.
We remind you to not provide your account number or other sensitive
data in this email.
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