Privacy Policy

Union Meridian Bank ("UMB," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us.

1. Information We Collect

Personal Information

We collect information that identifies, relates to, or could reasonably be linked with you, including:

• Identity Information: Name, date of birth, Social Security number, driver's license number
• Contact Information: Address, email address, phone number
• Financial Information: Account numbers, transaction history, credit history, income information
• Employment Information: Employer name, occupation, work address
• Authentication Information: Username, password, security questions and answers

Automatically Collected Information

When you visit our website or use our mobile app, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Information: Pages viewed, links clicked, time spent on pages, referring website
• Location Information: General geographic location based on IP address
• Cookies and Tracking: Information collected through cookies, web beacons, and similar technologies

2. How We Use Your Information

We use the information we collect for the following purposes:

Account and Service Management

• Open and manage your accounts
• Process transactions and payments
• Provide customer service and support
• Send account statements and notifications
• Verify your identity and prevent fraud

Product and Service Delivery

• Evaluate loan and credit applications
• Offer products and services that may interest you
• Personalize your banking experience
• Improve our products and services

Legal and Compliance

• Comply with legal obligations and regulations
• Prevent fraud, money laundering, and other illegal activities
• Enforce our terms and conditions
• Respond to legal requests and prevent harm

3. How We Share Your Information

We may share your information with:

Service Providers

We share information with third-party service providers who perform services on our behalf, including:

• Payment processors and card networks
• Credit bureaus and reporting agencies
• Data analytics and marketing providers
• Technology and security service providers
• Customer service and support providers

Business Partners

We may share information with business partners to offer co-branded services, joint products, or promotional offers.

Legal Requirements

We may disclose information when required by law, regulation, legal process, or governmental request, or to:

• Comply with legal obligations
• Protect our rights, property, or safety
• Prevent fraud or illegal activity
• Respond to emergencies

Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Opt-Out: Opt out of marketing communications and certain data sharing
• Data Portability: Request a copy of your information in a portable format
• Non-Discrimination: Exercise your rights without discriminatory treatment

To exercise these rights, contact us at privacy@unionmeridianbank.com or call 1-800-862-2265.

5. Data Security

We implement robust security measures to protect your information, including:

• Encryption: 256-bit SSL encryption for data transmission
• Multi-Factor Authentication: Additional security layers for account access
• Firewalls: Network security to prevent unauthorized access
• Monitoring: 24/7 fraud monitoring and detection systems
• Employee Training: Regular security and privacy training for staff
• Access Controls: Restricted access to personal information

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Authenticate your identity and maintain security
• Analyze website traffic and usage patterns
• Deliver personalized content and advertising
• Improve our website and services

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including:

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to deletion of personal information
• Right to non-discrimination for exercising CCPA rights

To exercise these rights, contact us at privacy@unionmeridianbank.com.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date
• Sending you an email notification (for significant changes)

Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:

12. Regulatory Information

Union Meridian Bank is regulated by federal banking authorities and complies with:

• Gramm-Leach-Bliley Act (GLBA)
• Fair Credit Reporting Act (FCRA)
• California Consumer Privacy Act (CCPA)
• General Data Protection Regulation (GDPR) where applicable
• Other applicable federal and state privacy laws

Regulatory Compliance: Union Meridian Bank complies with all applicable federal and state banking regulations and consumer protection laws.