Privacy (隱私)
Privacy Policy
Rev. 6/2017
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Facts
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What does AMERICAN PLUS BANK, N.A. do with your personal information?
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Why?
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Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
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What?
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The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- Account balances and payment history
- Account transactions and transaction history
When you are no longer our customer, we continue to share your information as described in this notice.
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How?
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All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons American Plus Bank, N.A. chooses to share; and whether you can limit this sharing.
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Reasons we can share your personal information
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Does American Plus Bank, N.A. share?
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Can you limit this sharing?
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For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
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Yes
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No
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For our marketing purposes — to offer our products and services to you
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Yes
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No
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For joint marketing with other financial companies
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No
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We don’t share
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| For our affiliates’ everyday business purposes — information about your transactions and experiences |
No
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We don’t share
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| For our affiliates’ everyday business purposes — information about your creditworthiness |
No
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We don’t share
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For our affiliates to market to you
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No
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We don’t share
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For non-affiliates to market to you
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No
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We don’t share
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Questions?
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Call (626) 821-9188 or go to www.bankaplus.com
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Who We Are
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Who is providing this notice?
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American Plus Bank N.A.
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What We Do
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How does American Plus Bank, N.A. protect my personal information?
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To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for who access is appropriate.
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How does American Plus Bank, N.A. collect my personal information?
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We collect your personal information, for example, when you
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or debit card
We also collect your personal information from others, such as credit bureaus, or other companies.
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Why can’t I limit all sharing?
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Federal law gives you the right to limit only
- Sharing for affiliates’ everyday business purposes—information about your creditworthiness
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law
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Definitions
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Affiliates
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Companies related by common ownership or control. They can be financial and nonfinancial companies.
- American Plus Bank, N.A. has no affiliates
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Non-affiliates
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Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- American Plus Bank, N.A. does not share with non-affiliates so they can market to you
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Joint marketing
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A formal agreement between non-affiliated financial companies that together market financial products or services to you.
- American Plus Bank, N.A. doesn’t jointly market
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Other Important Information
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Under California law, we will not share information we collect about you with companies outside of American Plus Bank, N.A., unless the law allows.
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California Consumer Privacy Act (CCPA) Policy
The CCPA only applies to information about residents of California.
Under the CCPA, "personal information" is information that identifies, relates to, or could reasonably be linked with a California resident or household. This information is referred to in this Notice as "Personal Data."
This Notice explains how we collect, use, and disclose personal information about California residents. The Notice also explains certain rights that California residents have under the CCPA. This Notice explains how California residents can exercise their rights under the CCPA to request that we: (1) provide certain personal information that we have collected about them during the past 12 months, along with related information described below, or (2) delete certain personal information that we have collected from them.
Please contact American Plus Bank if you wish to submit a consumer request for personal information we collect, use, disclose or sell. You may contact us:
- At (626) 463-9988
- Complete American Plus Bank's CCPA request form
- Visit American Plus Bank's branches
We are required by law to verify your identity before releasing any of your information to you.
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Collection of Personal Data
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During the past 12 months, American Plus Bank has collected the following categories of your Personal Data. For each category identified we have also provided the categories of sources from which we collected the personal information, the business or commercial purpose for collecting the information, and the categories of third parties with whom we share the personal information:
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Categories We Collect
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Categories of Sources from Which We Collect
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Our Business or Commercial Purpose for Collecting
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Categories of Third Parties with Whom We Share
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Personal Unique identifiers such as full name and federal or state issued identification numbers including Social Security number, driver's license number and passport number.
Personal information such as telephone number and address.
Financial information such as income, payment card details including debit card numbers, employer, employment history and related information.
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From deposit and/or credit applicants and bank customers.
From job applicants, employees and former employees.
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To provide and manage products and services. Establish and process transactions including checking accounts, loans, online banking access, customer services and everyday operations.
Process employment applications. Provides benefits to employees and dependents, including health care plan and retirement plans.
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Shared with our service providers to service your account
Government agencies including to support regulatory and legal requirements.
For HR employees to administer employment services.
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Credit information such as credit history, credit score and account history.
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From Credit Reporting Agencies with your authorization.
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To qualify you for an account or credit with us.
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Not shared.
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Account numbers
Account Balances
Transaction Histories
Payment History
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From our service providers and account processors.
Records maintained by us.
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To service your account.
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May be shared with account monitoring services for consumer account protection.
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Internet of online information such as browsing history, and information regarding interaction with our websites.
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Identified by accessing our website or digital banking applications.
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To validate your identity when accessing our sites and applications.
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Shared with vendors that assist us in protecting your accounts and personal information.
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Disclosure or Sale of Personal Information
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During the past 12 months, American Plus Bank has disclosed the categories of personal data listed above for its business purpose. However, the bank has not sold any consumer personal data subject to the CCPA's limitations.
American Plus Bank does not sell any personal information about customers and consumers.
Below is the list of categories of information disclosed for business or commercial purpose:
- Personal identifiers
- Credit or financial Information
- Account information
- Website and online digital identity
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How to Make Request under the CCPA
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If you are a California resident, you have the right to make an Access Request or Deletion Request.
If you wish to submit a request, you may:
- Contact us at: (626) 463-9988; or
- Complete the CCPA form below and mail to:
171 S. Hudson Ave.
Pasadena, Ca 91101
Attn: CCPA
- Complete electronically at https://bankaplus.com/CCPA.aspx
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Right to Opt-Out of the Sale of Personal Information
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You have the right to opt-out of the sale of your personal information. American Plus Bank does not sell your personal information to third parties. Please click on "Do Not Sell My Personal Information" link.
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Right to Non-Discrimination for the Exercise of Your Privacy Rights
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You have a right not to receive discriminatory treatment by us for the exercise of any privacy rights conferred by the California Consumer Privacy Act.
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Authorized Agent
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You may designate an authorized agent to make a request under the California Consumer Privacy Act on your behalf by adding the agent to your account or signing a Power of Attorney.
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Responding to Request
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Privacy and data protection laws, other than the CCPA, apply to much of the Personal Data that we collect, use, and disclose. When these laws apply, Personal Data may be exempt from, or outside the scope of, Access Requests and Deletion Requests. As a result, in some instances, we may decline all or part of an Access Request or Deletion Request related to this Personal Data. This means that we may not provide some or all this Personal Data when you make an Access Request. Also, we may not delete some or all this Personal Data when you make a Deletion Request.
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Contact for More Information
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If you have any questions related to American Plus Bank's California Consumer Privacy Act, you may contact us at (626) 463-9988.
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FDIC Insured - Backed by the full faith and credit of the U.S. Government.