// PRIVACY POLICY

 

PLEASE CAREFULLY REVIEW THIS POLICY BEFORE USING THIS SITE.
Revised May 15, 2014

 

WHO:
We are BancLeasing, LLC.  BancLeasing’s CashFlow LEASE® Program is a fully outsourced, private- label equipment finance program designed exclusively for community banks to enable the bank to book leases as loans and compete with larger financial institutions.

 

INTRODUCTIONS:
Federal law also requires us to tell you what personal identifiable information we collect, how we collect, share, and protect your personal information. Please read this notice carefully to understand what information we collect, what we do with it, who we share it with and your rights in regards to your personal information.

PLEASE READ THIS PRIVACY POLICY IN ITS ENTIRETY BEFORE USING ANY OF THE COMPANY'S SERVICES. BY USING ANY SUCH SERVICES YOU ARE ACKNOWLEDGING THAT YOU HAVE READ AND UNDERSTAND THIS POLICY AND THAT YOU AGREE TO BE BOUND BY ITS TERMS. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS OF THIS PRIVACY POLICY, SIMPLY EXIT THIS PAGE WITHOUT ACCESSING OR USING OUR WEB SITE OR ANY OF OUR SERVICES.

 

APPLICABILITY:
The following privacy policy ("Policy") applies to your interaction with BancLeasing and any of its products, services and / or online sites that we own or control, unless a different policy is posted or is made available to your and by its terms supplants this Policy.

Other privacy policies, such as those of third parties that we contract with for specific services and functionality, may also apply in addition to this Policy.

Under no circumstances will BancLeasing sell or share any personal information about you to or with any person or organization except (i) as authorized by you, (ii) with Financial Institutions, (iii) as may be required by law or court order, or (iv) as otherwise set forth herein. This Privacy Policy describes the standards we adhere to in handling information about you and any personal information you submit through any of our products, services and / or online sites we own or control.

This Policy incorporates by reference the Legal Disclaimer, including the limitation of liability and damages.

 

WHAT:
The types of information we collect and share can include but is not limited to the following:

  • Non-Personal Identifiable Information:
  • Information gathered via an individual's use of product, service or web site (e.g. browser type, IP address, online navigation, demonstration viewings)
  • Nonpublic Personal Information:
  • Information provided by the user during the application and leasing process (e.g. name, address, email address, telephone number, income)
  • Information resulting from the financial product or service transaction (e.g. payment history)
  • Information from other sources about the user obtained in connection with providing the product or service.

To protect the information listed above from unauthorized access and use, we use security measures that comply with federal law. These measures include physical, electronic, and procedural safeguards.

 

HOW:
Using cookies, clear gifs, Flash objects and data entry forms, we may collect information from and about you via a variety of sources and as the result of various interactions you may have with BancLeasing.

 We also collect information about you when you respond to an advertisement, participate in an online survey or promotion and when you utilize the Contact Us form on one of our online sites.  We may also from time to time make various resources, information and services available to you through our online sites and we may collect information in connection with providing such resources, information and / or services.

Note: You do not have to provide any information to view some of our online site(s) and you are permitted to browse some of our online site(s) anonymously.

 

WHY:
In order for BancLeasing to conduct our business and properly support our community financial institution clients, we must collect and at times share information about individuals who utilize the products, services and online sites. We collect information from and about you for the following general business and marketing purposes:

  • General Business Purposes:
  • To conduct, process and deliver products and services to our community financial institutions and their participating accountholders
  • To identify browsers and type of access device to enable content and information to be appropriately displayed to the user in order to improve the users online experience
  • To ensure the proper functioning of our products, services and online sites
  • To analyze user activity and related data to identify trends, audit software processes and enhance our products, services and online sites
  • To enable users to apply for products and services that may be of interest to them and to evaluate their eligibility for such products and services
  • To respond to user inquiries and requests
  • To inform users of changes in terms, conditions and / or policies regarding our products and services
  • To comply with laws, regulations, and other legal and / or law enforcement requirements
  • General Marketing Purposes:
  • To conduct market research
  • To enhance collected information with additional demographic and psychographic data to aid in understanding consumer behavior, product use, interests, opinions and trends
  • To execute marketing programs either directly or through a third party to promote products and services we believe the user may be interested in
  • To evaluate the effectiveness of all marketing programs and promotional offers

SHARE:
We may share the information we collect from and about you with for the following purposes:

  • Non-Affiliated Third-Party Vendors / Providers:
  • To conduct and deliver products and services that we contract out to other vendors such as equipment vendors, sending postal and electronic mail, and providing customer support and administration for our products, services and online sites.
  • To facilitate, execute and evaluate marketing and promotional programs that we or our community financial institution clients execute.
  • To protect our rights and property, to prevent fraud and abuse and to adhere and respond to required laws, court orders and / or other legal requirements

YOUR RIGHTS:
Consumers can opt out of some information collection and sharing activities but not all. For example, consumers cannot opt out with non-personal and nonpublic personal information if shared with nonaffiliated third parties to:

  • Market the financial institution's own products or services
  • Market financial products and services offered by the financial institution and another financial institution (joint marketing)
  • Process and service transactions the consumer requests or authorizes
  • Protect against potential fraud or unauthorized transactions
  • Respond to judicial process
  • Comply with federal, state, or local legal requirements.

You have the right to:

  • Opt out of any continuing marketing or promotional programs by executing the opt-out option included within a marketing or promotional communication.
  • Disabling "cookies" and "flash objects" from your browser. Note, some functionality on some of our online sites will be impacted or rendered unavailable if these items are disabled. Industry standards are evolving and we may not separately respond to or take any action with respect to a "do not track" configuration setting in your internet browsers.

Note: You do not have to provide any information to view some of our online site(s) and you are permitted to browse some of our online site(s) anonymously.

 

LINKS:
We may provide links to third party websites, such as affiliates, service providers or merchants. If you follow links to websites not affiliated or controlled by BancLeasing, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. BancLeasing does not guarantee and is not responsible for the privacy or security of these websites, including the accuracy, completeness, or reliability of their information.

 

ENFORCEMENT:
We will enforce this Policy, and if you violate any of its terms, we may prevent you from using any of our products, services and online sites.

 

DEFINITIONS:
The following definitions applies to your interaction with BancLeasing or any of its products, services and / or sites that we own or control, unless a different policy is posted or is made available to you and by its terms supplants this Policy.

  • Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.
  • Cookies: Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your web browser for record-keeping purposes. These cookies, however, do not store any personally identifiable information such as your name, email address or phone number. We use three different types of cookies:
  • Session Cookies: exist only during an online session and allow us to process your online activities and verify your identity as you move through one of our online sites.
  • Persistent Cookies: remain on your computer after you have closed your browser or turned off your computer and allow us to track aggregate & statistical information about user activity which may be combined with other user information.
  • Third Party Cookies: We also may engage third parties, including, without limitation, Google Analytics, to track and analyze non-personally identifiable Website data. We use the data collected by such third parties to help us administer and improve the quality of the Website and Services and to analyze usage. We do not have access to or control over these third party cookies nor does this Privacy Policy cover such third parties' use of data.
  • Clear Gifs (aka Web Beacons/Web Bugs, Pixel Tags). Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on your computer's hard drive, clear gifs are embedded invisibly on Web pages.
  • Flash Objects: Also known as Local Shared Objects, these objects help us determine and recognize your browser type and version of Adobe Flash so that you can view "moving content" such as online demonstrations and tutorials and your device when you log onto or return to one on our online sites.
  • IP Address: Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits an online site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, for compliance and security purposes and administering our online sites.
  • Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.
  • Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.

SPECIAL INFORMATION FOR CALIFORNIA CONSUMERS:
California residents may request a list of certain third parties to which we have disclosed personal information about you for direct marketing purposes. You may make one request per calendar year. In your request, please attest to the fact that you are a California resident and provide a current California address for your response. You may request this information in writing by contacting us at BancLeasing, Attn: MeLisa Banks, 660 N. Central Expressway, STE 400, Plano, TX 75074 or emailing  at mbanks@bancleasing.com. Please allow up to thirty (30) days for a response

 

CHANGES TO THIS POLICY:
We reserve the right to modify this Policy at any time and at our sole discretion, so please review it frequently. If we make material changes to this Policy, we will notify you here by posting these changes on this site and the changes will be deemed effective immediately upon the date of such posting. Your ability to opt out of the new policy will be determined by applicable laws. The most current version of the Privacy Policy will always appear on this site and the most recent version shall supersede any and all other versions of this Policy. Continued use of the website following the posting of these changes or modifications will constitute acceptance of such changes or modifications. PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.

 

CONTACT US: If you have any questions regarding this Policy, please contact us at:

BancLeasing, LLC
660 N. Central Expressway
Suite 400
Plano, TX 75074
217.778.1840
877.274.5327
mbanks@BancLeasing.com