This Privacy Policy has been updated effective OCtober 20, 2016.
This Privacy Policy applies to www.bankofcardiff.com ("Website"), which is owned and operated by Bank of Cardiff, Inc. ("Bank," "Cardiff," "Us," or We"). The Website facilitates our business loan products and related services (collectively "Services"). This Privacy Policy describes how Cardiff collects and uses the personal information you provide (directly or through third parties), or which is automatically generated, when you interact with our website www.bankofcardiff.com ("Website").
This Privacy Policy also describes the choices available to you regarding our use of your personal information and how you can access and update such information.
For purposes of this Privacy Policy, "Personal Information" means information that personally identifies you, including your contact information, IP address, and loan application information. A large portion of the Personal Information we collect, use, share, and store is sensitive in nature, including your social security number and financial account information ("Sensitive Personal Information").
Information We Collect
We collect the following information from you:
In addition to collecting information via our Website, we may also conduct a site visit to collect information, and obtain information and external data used by lenders to process applications and complete and manage transactions, e.g., from credit reporting agencies and other vendors, as well as from social media. Once you are a Cardiff customer, we may reach out to you for, or otherwise obtain, information if you decide to renew your loan or as otherwise needed to provide the Service.
Use of Information
We use the information we collect to:
Privacy and Sharing of Information
Cardiff will share your Personal Information with third parties only in the ways that are described in this Privacy Policy and as required by law. We do not sell your Personal Information to third parties.
We will provide your Personal Information to our trusted business partners, service providers and subsidiaries and affiliates to provide services to help us with our business activities, such as offering customer service, processing credit checks or secure data storage, and other similar services. These companies are authorized to use your Personal Information only as necessary to provide these types of services to us. In addition, we may share your basic information (name, company name, phone number, email address and requested loan amount) with one of our business partners to market their services to you, provided, however, if you do not want us to share your Personal Information in these circumstances with these business partners, please contact us to opt out by email at marketing@bankofcardiff.com or by postal mail at the contact information listed below.
In addition, we may also share General Information for the same reasons as we provide Personal Information and for business partners and others to conduct analyses and research and track marketing performance or as otherwise provided in the Tracking Technologies part herein.
Some of our pages utilize framing or white-labeling techniques to serve content from our partners while preserving the look and feel of our Website. For example, our Careers page utilizes white-labeling techniques. Please be aware that in these instances you are providing your Personal Information to these third parties and not to Cardiff.
We may also disclose your Personal Information:
User Access and Choice
If your Personal Information changes, or if you no longer desire our Service, you may correct, update, amend, delete/remove, ask to have it removed from a public forum or testimonial on our Website or deactivate it by emailing our Customer Support at marketing@bankofcardiff.com or by contacting us by postal mail at the contact information listed below. We will respond to your request within 30 days.
We will retain your information for as long as your account is active or as long as reasonably useful for commercial purposes. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Opt-Out Policy
Bank of Cardiff and our business partners may contact you to offer you products and services that may be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations or other forms of contact from Cardiff and our trusted business partners by following the unsubscribe instructions included in these emails or by contacting us by email at marketing@bankofcardiff.com or by postal mail at the contact information listed below.
Tracking Technologies
Cardiff and our partners (for example, our marketing partners), affiliates, or analytics or service providers, including our live chat, marketing trackers, and survey tool service providers use cookies or similar technologies. These technologies are used in analyzing trends, administering the Website, tracking users' movements around the Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
A cookie is a small text file that is stored on a user's computer for record-keeping purposes. We use cookies for user authentication and analytics. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Website, but your ability to use some features or areas of our Website may be limited.
Log Files
As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you and to improve marketing, analytics, and Website functionality.
Security of Information
Bank of Cardiff takes the security of your information very seriously. Your information is securely sent to Cardiff with 128 bit-encryption over the Transport Layer Security (TLS) protocol. This creates an encrypted connection between your browser and our servers. Thus, when you enter Sensitive Personal Information (such as a credit card number) on our order forms, we encrypt the transmission of that information.
If you allow Cardiff to see your banking information online rather than in paper form, it is on a read-only basis. We do not have access to change, edit, or modify bank account information in any way. Cardiff employees cannot view your banking username and passwords.
Additional Information
Links to 3rd Party Sites
Our Website includes links to other websites whose privacy practices may differ from those of Cardiff. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.
Blog/Forum
Our Website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your Personal Information from our blog or community forum, contact us by email at marketing@bankofcardiff.com or by postal mail at the contact information listed below. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why.
Testimonials
We display personal testimonials of satisfied customers on our Website in addition to other endorsements. If you have posted in a public forum we see that as your consent to post your testimonial along with your name on our website and/or marketing materials. If you wish to update or delete your testimonial, you can contact us by email at marketing@bankofcardiff.com or by postal mail at the contact information listed below.
Changes To This Policy
We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes we will notify you by email or by means of a notice on this Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
Security of Information
If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, please contact us by email at marketing@bankofcardiff.com, or with a letter by postal mail to:
Commercial Finance & Leasing Bank of Cardiff, Inc.If you are contacting us to opt-out of marketing communications, you must include your full name and business mailing email addresses and account number. Once we locate your contact information based on the information you provide us, it will be updated in our databases and removed from our mailings lists.