U.S. Consumer Privacy Notice

Florida Capital Bank  //  U.S. Consumer Privacy Notice

Last Updated: January 2018
U.S. Consumer Privacy Notice
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Facts:

Why?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.
What?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
  • Income
  • Payment history
  • Transaction history
  • Credit history
  • Employment information

When you are no longer our customer, we continue to share your information as described in this notice.

How?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 Florida Capital Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes FLCBank share?Can you limit this sharing?
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 bureausYesNo
For our marketing purposes - to offer our products and services to youNoWe don’t share
For joint marketing with other financial companiesNoWe don’t share
For our affiliates' everyday business purposes - Information about your transactions and experiencesNoWe don’t share
For our affiliates' everyday business purposes - Information about your creditworthinessNoWe don’t share
For our affiliates to market to you – Information about your creditworthiness NoWe don’t share
For nonaffiliates to market to youNoWe don’t share
Questions?Call toll-free 1-800-318-3159 or go to www.flcb.com

Who we are

Who is providing this notice?FLCBank and Florida Capital Bank means Florida Capital Bank, N.A.
FLCBank is a registered trademark of Florida Capital Bank, N.A.

What we do

How does Florida Capital Bank protect my personal information?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.
How does Florida Capital Bank collect my personal information?We collect your personal information, for example, when you
  • Open an account
  • Pay your bills
  • Use your credit card
  • Make deposits or withdrawals from your account
  • Apply for financing

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing? 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.

Definitions

AffiliatesCompanies related by common ownership or control. They can be financial and non-financial companies.
  • Florida Capital Bank does not share with our affiliates.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and non-financial companies.
  • Florida Capital Bank does not share with nonaffiliates so they can market to you.
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Florida Capital Bank doesn't jointly market.

Other important information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Customers.
  • We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
  • Additional information concerning our privacy policies can be found at www.flcb.com or call 1-800-318-3159.

FLCBank is a registered trademark of Florida Capital Bank, N.A.

Facts:

Why? 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.
What?

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 transaction history
  • credit history and payment history

How? 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 Chase chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Chase share?Can you limit this sharing?
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 bureausYesNo
For our marketing purposes - to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates' everyday business purposes - information about your transactions and experiencesYesNo
For our affiliates' everyday business purposes - information about your creditworthinessYesYes
For our affiliates to market to youYesYes
For nonaffiliates to market to youYesYes
To limit our sharing
  • Call 1–888–868–8618 – our menu will prompt you through your choice(s). We accept operator relay calls.
  • Visit us online

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.


However, you can contact us at anytime to limit our sharing.

Questions?
  • Call 1–888–868–8618 — our menu will prompt you through your choice(s). We accept operator relay calls.

Who we are

Who is providing this notice?The U.S. consumer financial companies within the JPMorgan Chase & Co. family, including JPMorgan Chase Bank, N.A., Chase Insurance Agency, Inc., and J.P. Morgan Securities LLC.

What we do

How does Chase protect my personal information? 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 authorize our employees to get your information only when they need it to do their work, and we require companies that work for us to protect your information.
How does Chase collect my personal information?

We collect your personal information, for example, when you

  • open an account or make deposits or withdrawals from your account
  • 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, affiliates, or other companies.

Why can't I limit all sharing?

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.

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include companies with a Chase or JPMorgan name and financial companies such as J.P. Morgan Securities LLC
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include companies such as retailers, auto dealers, auto makers and membership clubs
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include categories of companies such as insurance companies

Other important information

VT: Accounts with a Vermont mailing address are automatically treated as if they have limited the sharing as described on page 1. For joint marketing, we will only disclose your name, contact information and information about your transactions.


NV: We are providing you this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call List by calling 1-800-945-9470, or by writing to us at P.O. Box 734007, Dallas, TX 75373-4007.


For more information, contact us at the address above, or email Privacy.Info@JPMChase.com, with "Nevada Annual Notice" in the subject line. You may also contact the Nevada Attorney General's office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1–702–486–3132; email BCPINFO@ag.state.nv.us.


CA: Accounts with a California mailing address are automatically treated as if they have limited the sharing with nonaffiliates as described on page 1. CA residents are provided a CA notice for additional choices.

Si tienes alguna pregunta, por favor llama o visita una sucursal local de Chase.