Last updated: March 4, 2020
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.
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.
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.
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.
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.
These Terms and Conditions of Use shall be construed in accordance with the laws of the State of Utah.
EFFECTIVE: December 2019
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.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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/.
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.
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]
|Reasons we can share your personal information||Does 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 bureaus||Yes||No|
|For our marketing purposes — to offer our products and services to you||Yes||No|
|For joint marketing with other financial companies||Yes||No|
|For our affiliates’ everyday business purposes — information about your transactions and experiences||No||We don’t share|
|For our affiliates’ everyday business purposes — information about your creditworthiness||No||We don’t share|
|For affiliates to market to you||No||We don’t share|
|For nonaffiliates to market to you||No||We don’t share|
Capital Community Bank does not share with our affiliates.
Capital Community Bank does not share with nonaffiliates so they can market to you.
Our joint marketing partners include card issuers, insurance providers, and other financial institutions.
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]
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.
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.
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/.
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.
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/.