Depending on the situation and the sensitivity of the information, your consent may be obtained in different ways. It may be expressed in writing or implied, provided to us verbally, electronically, or through an authorized representative. For example, when you provide us with your personal information when you apply for a product or service with us, or continue to use a product or service without objection, you are consenting to the terms and conditions of our privacy-related documents and our Vantage Fin. Online Client Privacy Policy.
Frequently Asked Questions
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01How do we obtain your consent?
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02What collection, use, or sharing of your information is "permitted or required by law"?
Under our Vantage Fin. Online Client Privacy Policy, we may collect, use, or share personal information where it is "permitted or required by law." This includes instances where it is permitted under applicable law without consent, required under other laws such as anti-money laundering regulations, or collected/used/shared with regulators or under codes, programs, or principles publicly adopted by Vantage Fin. Online.
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03What information do we collect to "qualify you for products or services"?
In accordance with applicable privacy law, Vantage Fin. Online collects information reasonably required to process applications for products or services. This may include obtaining your credit report to help qualify you for credit products or deposit accounts with overdraft protection or other limits.
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04When do we exchange information with credit bureaus about you?
When you hold a credit product with Vantage Fin. Online or certain deposit accounts, we exchange information with credit bureaus on an ongoing basis. This may include account type, balances, payment history, collections actions, legal proceedings, or other relevant credit information.
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05How long do we retain your information?
The length of time we keep your information varies depending on the product, service, and type of information. We retain it as long as reasonably needed for customer service, legal, or business purposes.
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06What personal information does Vantage Fin. Online share with service providers?
Information may be shared with service providers to perform services on our behalf, such as data processing. Sharing is limited to what is necessary, and contracts or other measures are used to ensure the security of your information.
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07What is biometric information?
Biometric information is the measurement of physical and behavioral characteristics, such as facial features and voice patterns, that enable machines to verify identities. For example, a digitized voiceprint may be used to verify your identity when you contact us.
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08How can you protect your privacy?
Notify your banking center immediately if your debit or credit card is lost, stolen, or compromised, or if you believe someone has obtained your card number, PIN, password, or answers to your online verification questions.
