PRIVACY POLICY
Last updated: December 5, 2022
Your privacy is important to us. We conduct regular assessment reviews and abide by rigorous privacy standards to ensure personal information we collect, use and share is protected. This Privacy Policy ("Privacy Policy") describes how GainanBank and our affiliates manage personal information about you when you interact with us online through our websites, event registration sites, mobile applications and social sites ("Sites and Mobile Apps") through your computer, smartphone, tablet or other mobile devices ("computer or mobile devices").
The GainanBank may designate a third party to collect, store, use, and protect personal information. The privacy policy of such designated third party may defer from this Privacy Policy and shall prevail. If a designated third party does not provide its own privacy policy, this Privacy Policy shall govern collection, storage, use, and protection of personal information by the designated third party.
You accept this Privacy Policy when you use the GainanBank's services or any other features, technologies or functionalities offered by the GainanBank.
Updates to this Privacy Policy
This Privacy Policy is subject to change. We update this policy periodically to comply with the most recent federal and local laws. Please review it whenever you have questions. If we make changes to this Privacy Policy, we will revise the Last updated date on this page.
Our Online Privacy Practices
We are committed to transparency about your personal information. We ask for your consent when required, otherwise by using our Site and Mobile Apps, you consent to the collection, use and sharing of your personal information subject to and consistent with applicable laws and other notices you may have received based on your relationship with us.
Linking to other sites
We may provide links to non-affiliated third party sites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated with or controlled by GainanBank, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites and Mobile Apps. GainanBank does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information.
Protecting your personal information
To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and region laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third party providers to ensure personal information remains confidential and secure. In the event of a data breach, we provide timely notification, in accordance with applicable laws.
We also recognize the importance of protecting privacy where children are involved. Our Sites and Mobile Apps are not marketed to individuals under the age of 14, and we request that these individuals do not provide personal information through our Sites and Mobile Apps. We do not knowingly collect personal information from children under 14.
Making sure personal information is accurate
Keeping your personal information accurate and up to date is very important. If your personal information is incomplete, inaccurate or not current, please use the Contact Us option on our Sites and Mobile Apps, or call or write to us at the telephone numbers or appropriate address for changes listed on your account statements, records, online or other account materials.
Personal Information We Collect
We collect personal information about you through your computer or mobile devices by the use of cookies and similar tracking technologies as well as personal information you provide when you visit or use our Sites and Mobile Apps, for example when you:
The personal information we collect is limited to what is required to provide our products or services and to support legal and risk requirements.
Types of personal information we collect online
The type of personal information we collect from and about you online will depend on how you interact with us and may include:
Use and Share Personal Information
Personal information collected from and about you online described in this Notice may be used for many purposes such as:
Your Rights and Choices
We offer you certain choices in connection with the personal information we collect from you. To update your preferences, limit the communications you receive from us, or submit a request, please contact us as indicated in the Contact Us section of this Privacy Policy. You can unsubscribe from our marketing mailing lists by following the "Unsubscribe" link in our emails.
You may update certain aspects of your account details and settings by logging into your account on our Sites and Mobile Apps.
Additional Information
Some companies may offer aggregation websites and services that allow you to share your data with them in order to consolidate your account information from different sources (such as your accounts with us or with other financial institutions) so that you can view it in one location or perform actions related to your accounts using their services. To do this, a third party may request you to authorize access to your GainanBank accounts by providing your GainanBank username and passcode or by providing your information-sharing consent directly to GainanBank.
Social Media
GainanBank engages with customers on social media platforms such as Facebook, Twitter, YouTube, WhatsApp, Telegram and other.
The non-affiliated third parties that own these widgets may have access to information about your browsing on pages of our Sites and Mobile Apps where these widgets are placed.
Contact Us
If you have any questions about this Privacy Policy, please contact us at rg@dss.pr.
Last updated: December 5, 2022
Your privacy is important to us. We conduct regular assessment reviews and abide by rigorous privacy standards to ensure personal information we collect, use and share is protected. This Privacy Policy ("Privacy Policy") describes how GainanBank and our affiliates manage personal information about you when you interact with us online through our websites, event registration sites, mobile applications and social sites ("Sites and Mobile Apps") through your computer, smartphone, tablet or other mobile devices ("computer or mobile devices").
The GainanBank may designate a third party to collect, store, use, and protect personal information. The privacy policy of such designated third party may defer from this Privacy Policy and shall prevail. If a designated third party does not provide its own privacy policy, this Privacy Policy shall govern collection, storage, use, and protection of personal information by the designated third party.
You accept this Privacy Policy when you use the GainanBank's services or any other features, technologies or functionalities offered by the GainanBank.
Updates to this Privacy Policy
This Privacy Policy is subject to change. We update this policy periodically to comply with the most recent federal and local laws. Please review it whenever you have questions. If we make changes to this Privacy Policy, we will revise the Last updated date on this page.
Our Online Privacy Practices
We are committed to transparency about your personal information. We ask for your consent when required, otherwise by using our Site and Mobile Apps, you consent to the collection, use and sharing of your personal information subject to and consistent with applicable laws and other notices you may have received based on your relationship with us.
Linking to other sites
We may provide links to non-affiliated third party sites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated with or controlled by GainanBank, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites and Mobile Apps. GainanBank does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information.
Protecting your personal information
To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and region laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third party providers to ensure personal information remains confidential and secure. In the event of a data breach, we provide timely notification, in accordance with applicable laws.
We also recognize the importance of protecting privacy where children are involved. Our Sites and Mobile Apps are not marketed to individuals under the age of 14, and we request that these individuals do not provide personal information through our Sites and Mobile Apps. We do not knowingly collect personal information from children under 14.
Making sure personal information is accurate
Keeping your personal information accurate and up to date is very important. If your personal information is incomplete, inaccurate or not current, please use the Contact Us option on our Sites and Mobile Apps, or call or write to us at the telephone numbers or appropriate address for changes listed on your account statements, records, online or other account materials.
Personal Information We Collect
We collect personal information about you through your computer or mobile devices by the use of cookies and similar tracking technologies as well as personal information you provide when you visit or use our Sites and Mobile Apps, for example when you:
- Apply for or open a new account
- Register for a new product or service, or request information about a product or service
- Register as a participant in one of our events
- Complete a survey, contest or sweepstakes or other promotion
- Use aggregation services in order to consolidate your financial account or information at one online location
The personal information we collect is limited to what is required to provide our products or services and to support legal and risk requirements.
Types of personal information we collect online
The type of personal information we collect from and about you online will depend on how you interact with us and may include:
- Contact Information such as name, mailing address, email address, telephone and mobile number(s).
- Account Application information such as credit and income information.
- Identifiers such as Social Security number, account number(s), driver's license number (or comparable) or other information that identifies you for ordinary business purposes.
- Access Authorization such as user name, alias, PIN and Passcode and security questions and answers.
- Information from your computer and mobile devices, where allowed by individual browsers and/or operating systems such as:
- Unique device identifiers (for example Media Access Control (MAC) and Internet Protocol (IP) addresses)
- Browser type, version, language, and display/screen settings
- Information about how you use and interact with our Sites and Mobile Apps (for example activities on pages visited, links clicked or unique and measurable patterns such as keystrokes, mouse clicks and movements, swipes and gestures)
- Responses to advertisements on the sites and mobile apps where we advertise
- Log information such as your search and voice to text queries in the mobile app Search engine referrals
- Geo-location information with consent (for example ATM or financial center location, fraud prevention)
- Social media preference
Use and Share Personal Information
Personal information collected from and about you online described in this Notice may be used for many purposes such as:
- Delivering products and services to you by verifying your identity (for example when you access your account information); processing applications for products or services such as to prequalify for a mortgage, apply for a credit card, or to open a retirement account, investment account or other financial product; processing transactions; finding nearby ATMs, financial centers, and other specialized location based services near your location; and consolidating your financial account information at one online location
- Personalizing your digital and mobile experience by enhancing our Sites and Mobile Apps organization and design and analyze data to create relevant alerts, products or services
- Providing advertising on our Sites and Mobile Apps as well as non-affiliated third party sites and through off-line channels like financial centers, call centers and direct marketing (for example email, mail and phone)
- Detecting and preventing fraud, identify theft and other risks to you or GainanBank
- Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view
- Complying with and enforcing applicable legal requirements, industry standards, contractual obligations and our policies
- Allowing you to use features within our Sites and Mobile Apps when you grant us access to personal information from your device such as contact lists, or geo-location when you request certain services that requires such access, for example locating an ATM
- Providing notifications concerning events for which you've registered, providing analysis to improve our events and develop new events, determining event overall effectiveness, enhancing products and services, operating and expanding our business activities
Your Rights and Choices
We offer you certain choices in connection with the personal information we collect from you. To update your preferences, limit the communications you receive from us, or submit a request, please contact us as indicated in the Contact Us section of this Privacy Policy. You can unsubscribe from our marketing mailing lists by following the "Unsubscribe" link in our emails.
You may update certain aspects of your account details and settings by logging into your account on our Sites and Mobile Apps.
Additional Information
Some companies may offer aggregation websites and services that allow you to share your data with them in order to consolidate your account information from different sources (such as your accounts with us or with other financial institutions) so that you can view it in one location or perform actions related to your accounts using their services. To do this, a third party may request you to authorize access to your GainanBank accounts by providing your GainanBank username and passcode or by providing your information-sharing consent directly to GainanBank.
- The third party may access, on your behalf, information about yourself, your GainanBank relationship, and your accounts at GainanBank.
- You should use caution and ensure that the third party has appropriate policies and practices to protect the privacy and security of any personal information you provide or to which they are gaining access.
- Use of your information by the third party is governed by your agreement with them, not by GainanBank.
- We are not responsible for the use or disclosure of any personal information accessed by any company or person to whom you provide your username and passcode.
- If you share your GainanBank username and passcode or other information about your accounts with others, we will consider that you have authorized any transaction or action initiated by using the access information you provide.
- If you decide to revoke the authority you have given to a third party, we strongly recommend that you change your GainanBank passcode to ensure that the third party cannot continue to access your account.
- You may revoke your consent for certain third parties through the Security Center within GainanBank Online Banking.
Social Media
GainanBank engages with customers on social media platforms such as Facebook, Twitter, YouTube, WhatsApp, Telegram and other.
- Any content you post on official GainanBank managed social media pages, such as pictures, information, opinions or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms.
- When interacting with official GainanBank social media pages, GainanBank's privacy notices, Social Media User Terms and Community Guidelines may apply.
- Please review the privacy policy for the specific social media service you are using to better understand your rights and obligations with regard to such content.
The non-affiliated third parties that own these widgets may have access to information about your browsing on pages of our Sites and Mobile Apps where these widgets are placed.
Contact Us
If you have any questions about this Privacy Policy, please contact us at rg@dss.pr.