Disclosures

Disclosures

Terms & Conditions

Last updated: March 4, 2020

Thank you for visiting Capital Community Bank’s (“CCBank”) website serviced by Check ‘n Go at www.checkngo.com/ccbank (the “Web Site”). CCBank and Check ‘n Go will be hereinafter referred to as “Parties”. The Parties provide you with access to this Web Site subject to the terms and conditions contained in these Terms and Conditions of Use. These Terms and Conditions of Use were last updated on March 4, 2019. The use of this Web Site constitutes an agreement to these Terms and Conditions of Use, which together with the Parties Privacy Policy govern the Parties relationship with you relating to this Web Site. If you do not agree to comply with and be bound to these Terms and Conditions of Use, please exit this site immediately.

Use of Site

The Parties expressly authorize the personal use of this Web Site, which includes viewing its content and making a reasonable amount of copies for the sole purpose of retaining documents for your personal files. The distribution, transmission, display, or duplication of materials contained in this Web Site is prohibited without the prior written consent of the Parties.

Copyrights

This Web Site contains material that is either owned by CCBank, Check 'n Go, or licensed to CCBank or Check 'n Go. The service marks, trademarks, or copyrights of CCbank, and Check 'n Go or its subsidiaries or affiliates include, but are not limited to Capital Community Bank, CCBank, Axcess, Axcess Financial, Check ‘n Go, and Allied Cash Advance. These and other copyrighted or trademarked materials are protected by applicable federal copyright laws or international treaties. By downloading any trademarked or copyrighted material, you agree that you do not obtain any ownership rights in such material, including the exclusive rights granted by U.S. Copyright law.

Disclaimer of Warranties

This Web Site and its content are provided for your personal use only on an “as is” basis. The Parties, or any of its subsidiaries or affiliates, does not warrant the accuracy, completeness, timeliness, non-infringement, title, merchant-ability, or fitness for a particular purpose of the content of the Web Site itself, and the Parties hereby disclaim any such express or implied warranties to the extent permissible by applicable law. Further, the Parties do not warrant that the content of this Web Site is free from any viruses, worms, or other code that may result in harmful properties notwithstanding Parties efforts to implement reasonable safeguards to protect against these harmful properties. The Parties may amend or modify the content of this Web Site in any way without notice.

Third Party Hyperlinks

This Web Site may contain hyperlinks to other Web Sites that are not owned, operated, or maintained by the Parties. These Terms and Conditions of Use apply only to this Web Site and not to the Third Party Sites. The hyperlinks to the Third Party Sites are provided for your reference and convenience only and do not imply any review or endorsement of any material contained on Third Party Sites or any associations or affiliations with those represented in Third Party Sites or its owners or operators. The Parties are not responsible for the content contained in Third Party Sites, which may contain information that is inaccurate, incomplete, or outdated. By viewing, using, or relying on information contained in Third Party Sites, you do so solely at your own risk.

Indemnification

In the event that any legal action is taken resulting from your use of this Web Site or any unsolicited information provided by you, you agree to defend, indemnify, hold harmless, and pay any reasonable legal and accounting fees without limitation incurred by the Parties, its affiliates, its and their directors, officers, employees, agents, investors, or licensers. The Parties shall have the right, at its option and expense, to participate in the defense and /or settlement of any claim or action, or to assume the exclusive defense and control of any matter otherwise subject to indemnification by you without relieving your indemnification obligations. In no event shall you settle any suit or claim imposing any liability or other obligations on the Parties without its prior written consent.

Choice of Law

These Terms and Conditions of Use shall be construed in accordance with the laws of the State of Utah.

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Privacy Policy

EFFECTIVE: December 2019

Version 3

This Privacy Policy ("Policy" applies to the use of Capital Community Bank of Utah  and Check 'n Go as Servicer (herein referred to as "Company" online sites and any Company affiliate or subsidiary sites.  This Policy describes how the Company may collect, share, and use personal information about you based on your interaction with our sites and the choices you make about how your information is collected and used. 

Please read this Policy carefully.  Your continued use of our sites means that you understand and consent to the terms of this Policy. 

This Policy is intended to cover only our U.S. customers.  If you access our online services or visit our U.S. sites, your information may be transferred or processed in the United States. 

What We Collect

Personal Information

When you use the Company' online sites, we may collect and share your personal information that you provide via forms, applications, surveys, and other online fields.  This information can include:

  • Name, address, and contact information;
  • Social Security number and income information;
  • Payment history and employment information;
  • Financial account details and account balances; or
  • Information from identification documentation, such as your driver's license, passport, or utility bills.
Non-Personal Information

In addition to the personal information that we may collect from you, we may also automatically gather and store non-personal information about your visit including the IP address from which you access our sites; browser information; computer operating system information; the date and time you access our sites; the pages, files, and links you visit; and the web address from which you linked to our sites. 

We may collect this information from the devices and networks that you use to visit our sites in order to help improve the services we provide.  We may use this information to analyze trends, administer the site, track users' movements, and gather broad demographic information for aggregate use or for other business purposes. 

Cookies and Other Tracking Technology

Company uses cookies and other tracking technology, to monitor website performance.  These other tracking technologies may include some combination of web beacons, clear GIFs, or pixel tags.  Cookies and other tracking technology allow us to collect information, such as your browser type, the time you spend on our sites, the pages you visited, your language preferences, and other anonymous visit data.  We may use this information to improve the quality of our sites.

Company may also contract with third-party companies that use cookies, web beacons, clear GIFs, pixel tags, and other tracking technology for our sites' analytics and to advertise our products and services on unaffiliated websites and mobile apps.  With our approval, these companies will have access to your information as needed to perform their functions, but they cannot use your information for any other purpose.  These companies will not have access to information that can personally identify you.

Most web browsers are initially set up to accept cookies.  Many web browsers also allow you to refuse cookies, but doing so may degrade your experience on our sites.  Please see the information about "Your Choices" below.   

How We Use Your Information

The information we collect is used to increase your service and experience on our sites.  We may use your information for everyday business purposes including: to process your requests, transactions, applications, and inquiries; to verify your identity; to allow access to your online accounts; to recognize you when you return to our sites; to prevent fraud and increase security of our online services; and to comply with applicable legal requirements. 

We reserve the right to contact you regarding changes to this Policy or any other policies or agreements relevant to your use of our sites.

How We Share Your Information

Company may share your information with our service providers, affiliates, and other third parties.  Where applicable, we limit sharing your non-public personal information according to our financial privacy notice which can be found at: http://www.checkngo.com/pdf/CCBankapp/ Privacy_Policy.pdf.

With regard to Social Security Numbers ("SSNs"), the Company takes all reasonable steps to protect the confidentiality of SSNs, prohibit unlawful disclosure of SSNs and limit access to SSNs.

Service Providers, Affiliates, or Joint Marketers

We may disclose certain personal and non-personal information we collect from your use of our sites to companies that perform services on our behalf, including those who assist us in processing transactions, preparing, and mailing statements (if applicable), and responding to user inquiries.  In addition, we may disclose that information to service providers that perform marketing services for us and to financial institutions outside our corporate family with whom we have joint marketing agreements.  We further reserve the right to share, rent, sell, or otherwise disclose the information we collect with affiliates and third parties for direct marketing purposes. 

Non-Affiliated Third Parties

We may disclose certain non-personal information we collect from your use of our sites to third parties outside our corporate family ("Non-Affiliated Third Parties").  Non-Affiliated Third Parties may include financial service providers (such as banks or other lenders), nonfinancial companies (such as publishers, retailers, and direct marketers), and others.  We may disclose your personal information to trusted third parties who assist us in operating our website, processing transactions, conducting our business, or servicing you, so long as these parties agree to keep this information confidential, consistent with this Policy.  We may also disclose information about you to Non-Affiliated Third Parties as permitted by law, such as to comply with a subpoena, respond to inquiries from government authorities, or defend legal actions.

Your Choices

Do Not Track ("DNT")

Some web browsers have a "do not track" feature that lets you tell websites that you do not want to have your online activities tracked. Our website does not respond to web browsers' do-not track signals.

Links to Other Websites

We may provide links to third-party websites from within our sites for your convenience.   

Please be aware that we are not responsible for the privacy practices of other sites.  We encourage you to be aware when leaving our sites of the privacy policies and the terms and conditions that apply when you visit other sites that may collect your information. 

Security

Company uses security measures consistent with industry standards to protect your information collected through our sites.  These measures include technical, procedural, monitoring, and tracking safeguards to protect your information from misuse, unauthorized access or disclosure, loss, alteration, or destruction.  Please keep in mind that no data transmission over the Internet is ever 100% secure, and any information that you transmit to us is done at your own risk. 

Children's Privacy

Company does not knowingly contact or collect personal information from children under 13 years.  Company' sites are not designed or directed to solicit information of any kind from children under 13 years. 

Wireless Operator Authorization

You authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclosure to Company and its third-party service providers you mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, solely to verify your identity and prevent fraud for the duration of the business relationship. 

Complaints and Corrections

If you have any questions about this Policy or if you have a complaint with regard to the use of your personal information, you may reach us at https://www.checkngo.com/contact/.

Policy Updates

This Policy is effective as of December 2019.  We will notify you of any changes to this Policy by posting a notice on our homepage.  Any changes will be effective as soon as they are published on our sites.

State Law Disclosures

California: In accordance with California law, Capital Community Bank will not share information we collect about California residents with companies outside of Capital Community Bank except as permitted by law, such as with the consent of the customer, to service the customer’s accounts, or to fulfill on rewards or benefits.  We will limit sharing among our companies to the extent required by applicable California law.   

Nevada: We are providing you this notice pursuant to state law.  If you would like more information about this notice call us at our toll free number or email address included in this notice or the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E.

Washington Street, Suite 3900, Las Vegas, NV 89101; Phone number – 702.486.3132; e-mail:  [email protected] 

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Privacy Notice (GLBA)

What Does Capital Community Bank Do With Your Personal Information?

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; account balances
  • payment history; transaction or loss history
  • credit history; overdraft history
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 Capital Community Bank chooses to share; and whether you can limit this sharing.
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 Capital Community Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Capital Community Bank 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 experiencesNoWe don’t share
For our affiliates’ everyday business purposes — information about your creditworthinessNoWe don’t share
For affiliates to market to youNoWe don’t share
For nonaffiliates to market to youNoWe don’t share
Questions?
Call 801-356-6699 or go to www.ccbankutah.com
Who is providing this notice?
Capital Community Bank, Inc.
How does Capital Community 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Capital Community Bank collect my personal information?
We collect your personal information, for example, when you:
  • apply for a loan; give us your contact information
  • give us your income information; show your government-issued ID  provide employment information
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.

Definitions

Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.

 

Capital Community Bank does not share with our affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.

 

Capital Community Bank does not share with nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

 

Our joint marketing partners include card issuers, insurance providers, and other financial institutions.

Other important information

Capital Community Bank is chartered under the laws of the State of Utah and is subject to regulatory oversight by the FDIC. The most current copy of the privacy statement is available at www.ccbankutah.com

California Customers: In accordance with California law, we will not share information we collect about California residents with companies outside of California except as permitted by law, such as with the consent of the customer, to service the customer’s accounts, or to fulfill on rewards or benefits. We will limit sharing among our companies to the extent required by applicable California law.

Nevada Customers: We are providing you this notice pursuant to state law. If you would like more information about this notice call us at our toll free number or email address included in this notice or the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone number – 702.486.3132; e-mail: [email protected]

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Information on the California Consumer Privacy Act

Your Rights Under the CCPA

California consumers have the right to request a disclosure of what categories and specific pieces of information were collected on them, the categories of sources from which the information was collected, the business purposes for collecting or selling the information, and the categories of third parties to whom the information was shared. If we sell personal information for a business purpose, California consumers have the right to request a disclosure of the categories of personal information collected on them, the categories of personal information sold, the categories of information disclosed for a business purpose, the categories of buyers of the information, and what categories of personal information were sold to which categories of buyers. California consumers have the right not to be discriminated against by a business on account of their exercise of any of these rights. We provide a webpage with information and a pathway for California consumers to exercise their rights under the CCPA at the following link: www.checkngo.com/xact/ccpa-request-form.

What Information Is Collected

The categories of personal information collected on California consumers in the past 12 months includes: name, address, signature, telephone number, internet protocol address, email address, account name, social security number, driver’s license or state identification information, bank information, credit information, employment-related information, internet and network information, geolocation data, and inferences drawn from this information. The categories of personal information of California consumers sold in the past 12 months includes: name, address, telephone number, email address, bank information, credit information, employment-related information, and inferences drawn from this information. The categories of personal information of California consumers disclosed for a business purpose in the past 12 months includes: name, address, signature, telephone number, internet protocol address, email address, account name, social security number, driver’s license or state identification information, bank information, credit information, employment-related information, internet and network information, geolocation data, product preferences, and inferences drawn from this information.

Submit a Request for Information

To submit a request for information, California consumers may contact us at 1-866-423-4024; or electronically by following this link: https://www.checkngo.com/xact/ccpa-request-form/.

Submit a Request to Delete Your Information

The CCPA grants California consumers the right to request a business delete their personal information. However, that right subject to several exceptions. Personal information that is collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act, and implementing regulations, or the California Financial Information Privacy Act is exempt from a deletion request under the CCPA. In addition, a business is not required to comply with a request for deletion of personal information where it is necessary for certain business and legal purposes, or where its retention is reasonably expected based on the relationship between a business and a consumer. Regardless, we understand the interest consumers have concerning the collection and use of their personal information.  To receive more information on how to submit a request to delete personal information, California consumers may contact us at 1-866-423-4024; or electronically by following this link: https://www.checkngo.com/xact/ccpa-request-form/.

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Do Not Sell My Personal Information

Your Right to Opt-Out of Sale of Your Personal Information

California consumers have the right to opt out of the sale of their personal information. We provide a webpage with information and a pathway for California consumers to exercise this right to opt-out under the CCPA at the following link:  www.checkngo.com/xact/ccpa-request-form.

Submit a Request to Opt-Out of Sale of Your Information

If you wish to control the sharing of your personal information, you can find our Gramm-Leach-Bliley Act privacy disclosure by following this link: https://cdn.checkngo.com/wp-content/uploads/2020/03/xact-privacy-notice.pdf.  For California consumers only, you can additionally submit a request to opt-out of the sale of your information by following this link: https://www.checkngo.com/xact/ccpa-request-form/.

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