Privacy Policy

Policy Statement
The Open Bank Online Privacy Policy("Policy") applies to your interaction with Open Bank("our","we","us") through any online site owned and controlled by Open Bank. Open Bank maintains other privacy policies and statements which may also apply in addition to the terms of this Policy. These include the Open Bank Privacy Notice and the below Protecting Children’s Privacy Online statement.
Protecting Children’s Privacy Online
Our website("site") is directed to a general audience. We do not knowingly collect or use personal information from children under 13. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the Federal Trade Commission("FTC") website http://www.consumer.ftc.gov/articles/0031-protecting-your-childs-privacy-online
Gathering, Sharing, and Using Information
You may interact with us in a variety of ways online. We may offer websites that permit browsing and do not require registration. We may also offer the ability to access your accounts online. Information that we may collect about you through online interaction includes information that you input, such as your name, address, email address, other contact information; data resulting from your activity, such as transaction information; and location information. We may also gather additional information such as the type of device and browser you are using, the IP address of your device, information about your device’s operating system, and additional information associated with your device. We may also gather information collected through cookies, tags, and other technologies as described further below.

In addition to the uses described above, we use information for purposes as allowed by law such as: servicing; communicating with you; improving our Site, products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing the presentation of our products and services to you; tracking website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our Site; and using read-receipt notifications in our email communications.
Information on “Cookies”
Cookies are pieces of data stored on your device. Browser cookies are assigned by a web server to the browser on your device. When you return to a site you have visited before, your browser gives this data back to the server. Mobile applications may also use cookies.

We use cookies and information gathered through their use to make your experience with Open Bank and certain other sites richer and more personalized based on the products, services, or other interaction you have with us and other sites. Information gathered through use of cookies may be used to make offers to you via advertising("ads", "ad"), email, US mail, or telephone, subject to the privacy preferences you have on file with Open Bank. We also use cookies, sometimes in conjunction with service providers, in online advertising either on our own Site or on third party sites to help determine which of our advertisements are most likely to appeal to you. We respect consumers’ ability to exercise choice in receiving ads on third party sites. We honor your choice as follows: for advertising placed on third-party sites, we participate in the program utilizing the Advertising Options Icon. If you receive an ad delivered on a third party site in part based on information gathered through the use of cookies, you may opt out of receiving such ads by clicking the displayed icon and following the instructions or by visiting aboutads.info. This opt-out works via cookies, so if you delete cookies, use a different device, or change web browsers, you will need to opt out again. Please note that we respect your choice via participation in the Advertising Options Icon (http://www.aboutads.info) program. Industry standards are currently evolving and we may not separately respond to or take any action with respect to a “Do Not Track” configuration set in your internet browser.

Other parties that may collect information about your web browsing behavior when you use our Site are generally limited to service providers who may only use any information collected to provide services and marketing for us and not to provide services or advertising for any other party.

We also use cookies for purposes such as maintaining continuity during an online session; gathering data about the use of our site and anti-fraud and information security purposes.
Do You have to Accept Cookies?
You may be able to set your browser to reject browser cookies. However, if you choose to reject cookies, you cannot access your accounts online with Open Bank. Therefore, if you set your browser options to disallow cookies, you will limit the functionality we can provide when you visit our Site. The latest versions of internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to information supplied by browser providers for more specific information, including how to use these tools.
Additional Cookies
Cookies is a term also used to describe other locally stored objects, such as cookies stored in an Adobe folder on your device. These cookies will not be deleted when you clear cookies from your browser. We may use this technology for purposes such as information security and fraud prevention. We do not use this technology for online behavioral advertising purposes. Please refer to information provided by Adobe for information on how to disable and control Flash objects. If you choose those options, you may limit the functionality we can provide when you visit our Site.
How We Respond to Do Not Track Signals
Some browsers incorporate a Do Not Track feature that signals to websites you visit that you do not want to have your online activity tracked. Tracking is not the same as using or collecting information in connection with a single website. For these purposes tracking refers to collecting personal identifiable information from consumers who use or visit a website or online service as they move across different websites over time. How browsers communicate the Do Not Track signal is not yet uniform. As a result, this Site is not yet set up to interpret or respond to Do Not Track signals communicated by your browser. Even so, as described in more detail throughout this Policy, we limit our use and collection of your personal information. For a description of Do Not Track protocols for browsers and mobile devices, or simply to learn more about the choices available to you, you can visit the All About Do Not Track website: http://allaboutdnt.com.

We may enable third parties to collect personal information in connection with our Site. As described above, we limit our use and collection of your personal information and some third-party companies may use this information for security and authentication purposes. This Policy does not apply to and we are not responsible for and collection of personal information by third parties on our Site.
What does Open Bank do with Your Personal Information?
Click here to read Open Bank’s Privacy Notice.
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