Privacy Policy

FACTS

WHAT DOES BANCRÉDITO INTERNATIONAL BANK & TRUST CORPORATION 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 the information that can be shared. 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 or other identification and Income
  • Account balance and transaction history
  • Payment history and credit 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 Bancrédito International Bank & Trust Corporation (“BIBTC”) chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does BIBTC 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

No We don’t share
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 our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We Don't share

Questions?

For further information please call us at 1.787.274.1678 or visit www.bancredito.com

Who we are

Who is providing this notice? BIBTC and its affiliates

What we do

How does BIBTC 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 BIBTC collect my personal information?

We collect your personal information, for example, when you

  • open an account or apply for a loan
  • make deposits or payments
  • use your debit or credit card
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.

See below for more on your right under state law.
What happens when I limit sharing for an account I hold jointly with someone else? Your choice(s) will apply to everyone on your account - unless you tell us otherwise.

Definitions

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

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • BIBTC. does not share information with nonaffiliates. As a result, they cannot market to you.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • BIBTC does not engage in joint marketing

Other important information

State laws

You may have other privacy protections under applicable state laws. To the extent these state laws apply, we will comply with them when we share information about you.

California Residents - Your state law requires financial institutions to obtain your consent prior to sharing information about you with nonaffiliated parties. We do not share information with affiliated or nonaffiliated parties.

Vermont Residents - We do not share information we collect about you with nonaffiliated third parties. In addition, we do not share information about your creditworthiness with our affiliates.

Nevada Residents - Pursuant to Nevada law, if you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call list by calling 1-787-274-1678. You may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 100 N. Carson, Carson City, Nevada 89701; phone number: 702-486-3132, http://ag.nv.gov.