ONLINE
PRIVACY DISCLOSURE
At Allegiance Bank of North America the confidentiality and protection
of customer information is one of our fundamental responsibilities.
We value your business and the trust you have in us. We want you to
know that we carefully manage customer information to give you better
service and offer you additional benefits based on your relationship.
It's also important for you to know that we do not sell or share customer
information with non-affiliated third parties or outside marketers,
except as permitted by law.
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS:
We, our, and us, when used in this notice, mean Allegiance Bank
of North America and our affiliates, Paramount Mortgage and Capital,
LLC and Allegiance Financial Services, Inc. This is our privacy
notice for our customers. When we use the words “you” and ”your’ we
mean the following types of customers:
Our consumer customers who have a continuing relationship by
purchasing or holding financial products or services such as a(n):
• Deposit account
• Loan account
• Safe deposit box
• Investments
• Insurance
We will tell you the sources of information we collect about you.
We will tell you what measures we take to secure that information.
We first define some terms:
Nonpublic personal information means information about you
that we collect in connection with providing a financial product
or service to you. Nonpublic personal information does not include
information that is available from public sources, such as telephone
directories or government records. Hereafter, we will use the
term “information” to
mean nonpublic personal information as defined in this section.
An affiliate is a company we own or control, a company that
owns or controls us, or a company that is owned or controlled by
the same company that owns or controls us. Ownership does not mean
complete ownership, but means having enough to have control.
A non-affiliated third party is a person we do not employ or
a company that is not an affiliate of ours. This is also known
as nonaffiliated third party, or simply, an “other party.”
THE INFORMATION WE COLLECT:
We collect information about you from the following sources:
• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information
• Information we receive through our Customer Identification Program
INFORMATION WE DISCLOSE ABOUT YOU:
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 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; and
• Information we receive from a consumer reporting agency, such as
such as your creditworthiness and credit history.
We disclose information about you as permitted by law. Examples
of this might include disclosures necessary to service your account
or prevent unauthorized transactions.
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR INFORMATION:
We restrict access to information about you to those employees
who need to know that information to provide products and services
to you. We maintain physical, electronic, and procedural safeguards
to protect this information.
INFORMATION ABOUT FORMER CUSTOMERS:
We do not disclose information about former customers, except
as permitted by law.
PROTECTING YOUR ALLEGIANCE BANK ONLINE TRANSACTIONS:
To ensure that your Internet banking and bill payment transactions
remain confidential and secure, Allegiance Internet banking employs
state-of-the-art technology. Allegiance Internet banking includes
several levels of security measures to prevent unauthorized users from
accessing your information or gaining access to our network. Security
measures include firewalls, screening/filtering routers, encryption,
password protection and other methods.
• Firewalls and Screening/Filtering Routers - Firewalls and screening/filtering
routers are "gateways" that verify the source, destination and protocol
of each data packet and determine whether or not to send the packet through.
This ensures that you will only receive information pertaining to Allegiance
Internet banking.
• Encryption - Once you enter Allegiance Internet banking we use encryption
to protect your data from being altered or monitored en route to your computer.
Secure Socket layer (SSL) encryption provides a secure channel for data transmission
across computer networks using public key cryptography. Public key cryptography
is a technique that uses a pair of keys, one is public and one is confidential,
for encryption and decryption. Certain pages in our website are protected by
public key cryptography. To see if the page you are on is protected, check
the "URL" or web address at the top of the screen. If the address
begins with "https" then you are using a secure screen.
• Password Protection - Allegiance Internet banking uses Personal Identification
Numbers (PINs) to restrict entrance to the system. As an Allegiance Internet
banking user, you can change your PIN. We have a ten-minute time-out period
when your computer will automatically log off the system. Together, these measures
make it difficult for the entry of unauthorized data or unauthorized access
into the system. For your own security and privacy, it is recommended that
you memorize your PIN and destroy all written references. You are responsible
for keeping your PIN confidential. Do not give your PIN to anyone. Allegiance
Bank employees will never ask you for your PIN.
INFORMATION WE OBTAIN FROM VISITORS BROWSING AND VIA COOKIES:
For a more effective website, we use "cookies" as part of
our interaction with your browser. A "cookie" is a commonly
used small text file placed on your hard drive by our Web page
server. By configuring your preferences or options in your browser,
you determine if and how a cookie will be accepted. We use cookies
to determine if you have previously visited our web site and for a
number of administrative purposes. These cookies do not collect personally
identifiable information, and we do not combine information collected
through cookies with other personal information to determine who you
are or your email address.
If the use of cookies is a concern to you, then please set your
browser to alert you accordingly. Newer browser versions allow you
to be alerted or to automatically refuse cookies. You may need to download
a more current version of your web browser from your service provider
in order to obtain this option.
CHILDREN VISITING OUR WEB SITE:
We do not market to or knowingly solicit data from children.
We recognize that protecting childrens identities and privacy online
is important and that the responsibility to do so rests with both the
online industry and with parents.
EXTERNAL LINKS:
Allegiance Bank of North America is not responsible for the information
practices employed by sites linked to or from our web site. In most
cases, links to non-Allegiance Bank of North America web sites are
provided solely as pointers to information on topics that may be useful
to the users of the Allegiance Bank of North America web site. If you
are asked to provide information on one of those web sites, we strongly
urge that you first study carefully their privacy policies.
PRIVACY COMMITMENT TO YOU:
Trust us to keep you informed of how we protect your privacy
and limit the sharing of information you provide to us whether its
at a banking center, over the phone or through the Internet.
HOW TO CONTACT US:
Should you have other questions or concerns about our privacy
policies, please call us at (610) 949-9500 or send us an email at greatservice@allegbank.com.
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