Privacy Policy

Information We Collect

Personal Information

We collect personal information that you provide to us when opening accounts, applying for financial products, or using our services. This includes:

• Full name, date of birth, and Social Security number
• Contact information including address, email, and phone number
• Government-issued identification documents
• Employment information and income details
• Financial account information from other institutions

Transaction and Account Information

When you use our financial services, we collect information about your transactions and account activity, including:

• Account balances and transaction history
• Payment and transfer details
• Deposit and withdrawal information
• Investment choices and portfolio information
• Credit and debit card usage patterns

Technical and Usage Information

We automatically collect certain technical information when you access our digital platforms:

• IP address and device identifiers
• Browser type and operating system
• Pages visited and features used
• Time and date of access
• Referring website addresses
• Mobile device location data (with your permission)

Information from Third Parties

We may receive information about you from credit bureaus, identity verification services, other financial institutions, and publicly available sources to verify your identity, assess creditworthiness, prevent unauthorized activities, and comply with legal requirements.

How We Use Your Information

Chase Tech uses your information for the following purposes:

Account Management and Services

• Opening and maintaining your accounts
• Processing transactions and payments
• Providing customer service and support
• Sending account statements and notifications
• Managing your relationship with us

Product Development and Improvement

• Analyzing usage patterns to improve our services
• Developing new financial products and features
• Personalizing your experience with our platforms
• Conducting market research and surveys

Risk Management and Compliance

• Verifying your identity and preventing unauthorized access
• Detecting and preventing financial misconduct
• Complying with legal and regulatory requirements
• Responding to legal processes and government requests
• Protecting against security threats and vulnerabilities

Marketing and Communications

• Offering products and services that may interest you
• Sending promotional materials and special offers
• Conducting customer satisfaction surveys
• Providing financial education and resources

Information Sharing and Disclosure

We may share your information in the following circumstances:

Within Chase Tech

We share information among our affiliated companies and subsidiaries to provide you with a full range of financial products and services, improve our offerings, and manage our business operations efficiently.

Service Providers

We work with trusted third-party service providers who perform services on our behalf, including:

• Payment processors and card networks
• Data analytics and technology providers
• Marketing and communication services
• Customer service and support vendors
• Security and verification services

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

Legal and Regulatory Requirements

We may disclose your information when required by law or to:

• Comply with legal processes, court orders, or government requests
• Respond to regulatory inquiries and examinations
• Report suspicious activities to appropriate authorities
• Enforce our terms and conditions
• Protect our rights, property, and safety

Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the acquiring entity. We will notify you of any such change and the choices you may have regarding your information.

With Your Consent

We may share your information with other parties when you provide explicit consent or direct us to do so, such as when you authorize third-party financial applications to access your account information.

Data Security Measures

Chase Tech employs comprehensive security measures to protect your information from unauthorized access, use, or disclosure:

Technical Safeguards

• Industry-standard encryption for data transmission and storage
• Secure socket layer (SSL) technology for online transactions
• Multi-factor authentication for account access
• Regular security assessments and penetration testing
• Advanced monitoring systems to detect suspicious activity
• Secure data centers with physical and environmental controls

Administrative Safeguards

• Strict access controls limiting employee access to customer information
• Comprehensive employee training on data protection and privacy
• Background checks for employees with access to sensitive data
• Regular audits of our security practices and procedures
• Incident response plans for potential security breaches

Physical Safeguards

• Controlled access to facilities and data centers
• Video surveillance and security personnel
• Secure disposal of physical documents containing personal information
• Environmental controls to protect equipment and data

Your Privacy Rights and Choices

You have several rights regarding your personal information:

Access and Correction

You have the right to access your personal information and request corrections if it is inaccurate or incomplete. You can review and update most of your information through your online account or by contacting our customer service team.

Marketing Communications

You can opt out of receiving marketing communications from us by:

• Clicking the unsubscribe link in promotional emails
• Adjusting your communication preferences in your account settings
• Contacting customer service at (312) 555-1212
• Sending a written request to our address

Please note that even if you opt out of marketing communications, we will still send you important account-related notifications and service messages.

Information Sharing Preferences

You can limit certain types of information sharing by contacting us. However, some sharing is necessary for us to provide services and comply with legal requirements. We will explain your options and any limitations when you make your request.

State-Specific Rights

Residents of certain states may have additional privacy rights, including:

• The right to know what personal information we collect and how we use it
• The right to request deletion of your personal information (subject to legal exceptions)
• The right to opt out of the sale of personal information (we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

To exercise these rights, please contact us using the information provided in the Contact section below.

Cookie Preferences

You can manage your cookie preferences through your browser settings. However, disabling certain cookies may limit your ability to use some features of our website and mobile applications.

Regulatory Compliance

Chase Tech complies with applicable federal and state privacy laws and regulations, including:

Gramm-Leach-Bliley Act (GLBA)

We comply with the GLBA's requirements for financial institutions to protect the privacy and security of customer information. This includes providing annual privacy notices, implementing safeguards to protect customer information, and limiting information sharing as required by law.

Fair Credit Reporting Act (FCRA)

We follow FCRA requirements when obtaining and using consumer credit reports, including providing required notices and ensuring the accuracy of information we report to credit bureaus.

Bank Secrecy Act and USA PATRIOT Act

We maintain comprehensive programs to detect and prevent money laundering and terrorist financing, including customer identification procedures, transaction monitoring, and reporting of suspicious activities to appropriate authorities.

State Privacy Laws

We comply with state-specific privacy laws, including the California Consumer Privacy Act (CCPA), Virginia Consumer Data Protection Act (VCDPA), and other applicable state regulations. These laws may provide additional rights and protections for residents of those states.

Federal Trade Commission (FTC) Standards

We adhere to FTC guidelines for protecting consumer information, including the Safeguards Rule and Privacy Rule, which require financial institutions to implement comprehensive information security programs.

Data Retention

We retain your personal information for as long as necessary to:

• Provide you with the products and services you requested
• Maintain accurate financial records and account history
• Comply with legal, regulatory, and tax requirements
• Resolve disputes and enforce our agreements
• Prevent unauthorized activities and protect against security threats

Retention periods vary depending on the type of information and applicable legal requirements. For example, we typically retain transaction records for seven years to comply with federal regulations. When information is no longer needed, we securely destroy or anonymize it in accordance with our data retention policies.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children without parental consent. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can delete the information.

For accounts opened for minors, we require parental or guardian consent and involvement. The parent or guardian is responsible for managing the account and monitoring its use.

International Data Transfers

Chase Tech primarily operates in the United States. If you access our services from outside the United States, your information may be transferred to, stored, and processed in the United States or other countries where we or our service providers operate. These countries may have data protection laws that differ from those in your country of residence.

By using our services, you consent to the transfer of your information to the United States and other countries as described in this Privacy Policy. We implement appropriate safeguards to protect your information regardless of where it is processed.

Third-Party Links and Services

Our website and mobile applications may contain links to third-party websites, applications, or services that are not owned or controlled by Chase Tech. This Privacy Policy does not apply to those third-party services. We encourage you to review the privacy policies of any third-party services before providing them with your personal information.

We are not responsible for the privacy practices or content of third-party websites or services, even if you access them through links on our platforms.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make material changes, we will notify you by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending you an email notification if you have provided us with your email address
• Displaying a prominent notice on our website or mobile applications
• Providing notice through your account dashboard

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after we post changes constitutes your acceptance of the updated Privacy Policy.

Contact Information for Privacy Concerns

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us using any of the following methods:

When contacting us about privacy matters, please include your name, contact information, and a detailed description of your request or concern. We will respond to your inquiry within a reasonable timeframe, typically within 30 days.

Additional Resources

For more information about protecting your privacy and financial information, we recommend the following resources:

• Federal Trade Commission (FTC) - Consumer Information on Privacy and Identity
• Consumer Financial Protection Bureau (CFPB) - Financial Privacy Resources
• National Cyber Security Alliance - Online Safety Tips
• Identity Theft Resource Center - Identity Protection Guidance