Technology Privacy Statement

Last Updated: November 5, 2019

Your privacy is important to us. This Technology Privacy Statement (“Privacy Statement”) describes the types of information collected, used and shared by Rapid Financial Solutions, Cache Valley Bank or Axiom Bank and their subsidiaries and affiliated companies (“Rapid Financial Solutions,” “we,” “us” or “our”) when you visit our websites or use our mobile applications.

For information on how we collect, store, share, or otherwise use your personal information when obtained in connection with your application for or use of our financial products or services, please see the Privacy Policy associated with that product or service; however this Privacy Statement will apply to our collection, storage, sharing, or use of information from and about you, obtained in connection with your access to and use of our websites and/or mobile applications.

Information Collection

Information You Provide

We collect personal information from you when you choose to share it with us. This may include when you access or use our websites or mobile applications, create an online account with us, request information from us, sign up for our newsletters or our email list, participate in a promotion, or otherwise contact us. The personal information we collect may include your name, address, email address, phone number, date of birth, information about your payment at a retail location, information contained on a check that you upload for remote deposit, financial account information used for payments, loads or direct deposits, and any other information you choose to provide. We may combine the information you provide to us with information (1) from and about you that we automatically collect when you use our websites, mobile applications, products or services, (2) from third parties, or (3) from other online and offline services.

Information Automatically Collected

We may use cookies, web beacons, pixel tags, log files, local shared objects (Flash cookies), and other technologies for security and authentication purposes, to collect certain information when you visit and use our websites or mobile applications, to deliver online advertisements that we think would be more relevant to your interests, to monitor interactions with our emails and online advertisements, and to allow us to keep track of analytics and certain statistical information which enables us to improve our websites and mobile applications.

For example, we may automatically collect certain non-personal information from you, including but not limited to your browser type and version, device type, Flash version, operating system, Internet Protocol (“IP”) address, unique device identifier of any of your computer(s) or device(s) that are used to access our websites and mobile applications, software version, and the domain name from which you accessed our websites and mobile applications. We may also collect information about your browsing or use behavior, such as the date and time you visit our websites or use our mobile applications, the areas or pages of the websites or mobile applications that you visit, the amount of time you spend viewing or using the websites and mobile applications, the number of times you return to the websites and mobile applications, other click-stream or website or mobile application usage data, emails that you open, forward or click-through to our websites, other sites that you may visit, and your activity on our websites and mobile applications.

If you use certain features of our websites or mobile applications that involve location-based services (such as the ATM locator) we may also collect geolocation data. We use this information to (1) provide you with the services or products that you request, including access to location-based information, and (2) monitor for fraud or other suspicious activity.

Tracking, California Do Not Track Disclosures, and Ad Choices

Certain parts of our websites require cookies. You are free to set your browser or operating system settings to limit certain tracking or to decline cookies, but by doing so, you may not be able to use certain features on our websites or take full advantage of all of our offerings. Please refer to your Web browser’s or operating system’s website or “Help” section for more information on how to delete and/or disable your browser or operating system from receiving cookies or controlling your tracking preferences.

Some browsers have a Do Not Track feature that lets you tell websites that you do not want to have your online activities tracked. Our system may not respond to Do Not Track requests or headers from some or all browsers.

To learn more about the use of cookies or other technologies to deliver more relevant advertising and to know your choices about not having this information used by certain service providers, please click here and here. To learn how to manage privacy and storage settings for Flash cookies, please click here. On your mobile device, you may also adjust your privacy and advertising settings to control whether you want to receive more relevant advertising.

We and our network advertisers may periodically show you ads online for products and services in which you might be interested based on your visits to both our websites and other websites (a process known as “behavioral advertising”). In order to do this, we need to place a cookie or other tracking device on your computer. If you prefer to not receive online ads in this manner, you can opt-out of some network advertising programs that use your information by tracking your browsing habits via cookies or other tracking devices. To do so you can use the Network Advertising Initiative (NAI) Opt-Out Tool by clicking here. It shows you which advertising networks have placed cookies on your computer, and lets you opt-out of being tracked by them, should you wish to do so. Opting out of a network does not mean you will no longer receive online advertising. It only means that the network from which you opted out will no longer deliver ads tailored to your web preferences and usage patterns.

Information Collected From Other Sources

We may obtain information about you from other sources, including third party social networks that you use to connect with us. For example, when you “like”, “follow” or otherwise connect with us on third party social networks we may have access to certain information about you from that social network, such as your profile name, profile picture, gender, photos, networks, username and user ID, list of friends, and comments, questions, and other posted content based on your privacy settings on that social network. We may combine this information with the information we collect from and about you to help us tailor our communications to you and improve our websites, mobile applications, products or services.

Combination of Information

We may combine the information we receive from and about you, including information you provide to us and information we automatically collect through our websites or mobile applications, as well as information collected from other online sources or from third party sources to help us tailor our communications to you and to improve our websites, mobile applications, products and services.

Information Use

We may use the information we collect from and about you for any of the following purposes:

  • For security and authentication purposes, or to prevent fraud;
  • To notify you of incomplete applications or registrations;
  • To respond to your inquiries, or otherwise contact and communicate with you;
  • To provide you and other users with customized content, targeted offers, and advertising on our websites and mobile applications, on other websites or applications, or via email;
  • To contact you with information, newsletters, and promotional materials;
  • To contact you when necessary;
  • To review the usage and operations of our websites and mobile applications and improve our content, products, and services;
  • To address problems with our websites, mobile applications or our business;
  • To manage our networks;
  • To protect the security or integrity of our websites, mobile applications and our business; and
  • As described to you at the point of collection.

Additionally, if you use our websites to connect with third party services you authorize us to use information from and about you, on your behalf, to interact with these third party services based on your requests.

Service Providers

We may employ third party service providers to perform functions related to our websites, mobile applications, products or services. These service providers will have access to your information needed to perform their business functions, but we do not permit them to use or share the information for any other purpose.

Information Disclosure

We may disclose the information we collect from and about you as follows: (1) with Rapid Financial Solutions subsidiaries and affiliated companies; (2) to our third party service providers that provide business, professional or technical support functions for us; (3) as necessary if we believe that there has been a violation of the Site Terms of Use or of our rights or the rights of any third party; (4) to respond to judicial process or provide information to law enforcement or regulatory agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (5) as described to you at the point of collection.

We may share aggregate or anonymous non-personal information with third parties.

Also, we may sell or purchase assets during the normal course of our business. If another entity acquires us or any of our assets, information we have collected about you may be transferred to such entity. In addition, if any bankruptcy or reorganization proceeding is brought by or against us, such information may be considered an asset of ours and may be sold or transferred to third parties. Should such a sale or transfer occur, we will use reasonable efforts to try to require that the transferee use personal information provided through our websites or mobile applications in a manner that is consistent with this Privacy Statement.

Option to Opt-out of Email Marketing

At all times, you have the option of “opting out” of receiving future e-mail marketing messages from Rapid Financial Solutions by clicking on the “unsubscribe” link at the bottom of an e-mail marketing message.

Links to Other Websites

Our websites or mobile applications may have links to third-party websites or applications, which may have privacy policies that differ from our own. We are not responsible for the practices of such websites or applications.

Children’s Privacy

Protecting children’s privacy is important to us. We do not direct our websites, mobile applications, products or services to, nor do we knowingly collect any personal information from, children under the age of thirteen.

Data Security

We have taken certain physical, administrative, and technical steps to safeguard the information we collect from and about our customers. While we make every effort to help ensure the integrity and security of our network and systems, we cannot guarantee our security measures.

Access to Your Personal Information

If our websites, mobile applications, products or services allow you to create an account, you may sign in to your account to update your personal information stored by us.

If You Have Questions

If you have any questions about this Privacy Statement or the practices described herein, you may contact us at Rapid Financial Solutions Customer Service, PO Box 6425 North Logan, UT 84341.

User’s Acceptance of this Privacy Statement

By using our websites and/or mobile applications, you signify your acceptance to the terms of this Privacy Statement. If you do not agree with the terms of this Privacy Statement, please do not use our websites or mobile applications.

Revisions to this Statement

We reserve the right, at our sole discretion, to change, modify, add, remove, or otherwise revise portions of this Privacy Statement at any time. When we do, we will post the change(s) on our websites. Your continued use of our websites or mobile applications following the posting of changes to these terms means you accept these changes. If we change the Privacy Statement in a material way, we will provide appropriate notice to you.