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Digital Privacy Disclosure

For purposes of this Digital Privacy Disclosure, "you" and "your" means a user accessing any of ANB Bank's digital services, including the anbbank.com website, ANB Online Banking, ANB Mobile App, ANB Financial Services platform, and ANB branded social media pages. "ANB", "ANB Bank", "we", "us", "bank" or "our" means ANB Bank.

Your privacy is important to us. This Digital Privacy Disclosure is intended to provide you with information on what data ANB collects, shares, uses, maintains and/or, protects information when you visit or use our digital services.

ANB Bank's digital services are intended for use by consumers solely within the United States.

Our digital services are not intended for children under 13. ANB Bank does not knowingly collect personal information from children under 13 without parental consent. For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC website: https://www.ftc.gov.

This Digital Privacy Disclosure is effective as of July 2020 and may be updated from time to time without prior notice. Each time you access or use any of ANB's digital services, you are consenting to the Digital Privacy Disclosure then in effect.


Data We Collect and our Business Purposes

Opening an Account

What we collect:

  • Personal identifiers such as your name, alias, postal address, email address, date of birth, and social security number, account number(s) and account name(s);
  • Identity documents such as a driver's license, passport, military ID, birth certificate, social security card, state issued ID or other government issued ID;
  • Professional or employment related information;
  • Commercial information including records or personal property, products or services purchased, products or services obtained or products or services considered;
  • Biometric information, such as your signature and fingerprint;
  • Phone call recordings, security or camera recordings;
  • Other information such as inferences based on information about an individual to create a summary of the individual’s preferences and characteristics.

Purpose and use for the information collected:
When you open an account with ANB Bank, we collect information about you as required or permitted by U.S. federal law. To help the government fight the funding of terrorism and money-laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

We may use the collected information for the following:

  • Improve the user experience on our digital services.
  • Verify your identity and device when logging into our digital services.
  • Prevent or help detect fraud on your accounts.
  • Provide services for your accounts.
  • Communicate or respond to requests from you.
  • Comply with laws, regulations, subpoenas and similar processes.

Do we sell this information:
We do not sell any personal data.

Do we share this information:
If you have a financial product or account with us, please review our Privacy Notice for details on how we use and share any information that we collect about you.

Apply for a Loan

What we collect:

  • Personal identifiers such as your name, alias, postal address, email address, date of birth, and social security number, account number(s) and account name(s);
  • Identity documents such as a driver's license, passport, military ID, birth certificate, social security card, state issued ID or other government issued ID;
  • Professional or employment related information;
  • Educational information;
  • Commercial information including records or personal property, products or services purchased, products or services obtained or products or services considered;
  • Biometric information could include signature and fingerprint;
  • Other information could include inferences based on information about an individual to create a summary of the individual’s preferences and characteristics.

Purpose and use for the information collected:
When you apply for a loan with ANB Bank, we collect information about you as required or permitted by U.S. federal law to review and process applications for a loan.

We may use the collected information for the following:

  • Improve the user experience on our digital services.
  • Verify your identity and device when logging into our digital services.
  • Prevent or help detect fraud on your accounts.
  • Provide services for your accounts.
  • Communicate or respond to requests from you.
  • Comply with laws, regulations, subpoenas and similar processes.

Do we sell this information:
We do not sell any personal data.

Do we share this information:
If you have a financial product or account with us, please review our Privacy Notice for details on how we use and share any information that we collect about you.

Opening a Trust or Advisory Account

What we collect:

  • Personal identifiers such as your name, alias, postal address, email address, date of birth, and social security number, account number(s) and account name(s);
  • Identity documents such as a driver's license, passport, military ID, birth certificate, social security card, state issued ID or other government issued ID;
  • Professional or employment related information;
  • Commercial information including records or personal property, products or services purchased, products or services obtained or products or services considered;
  • Biometric information could include signature and fingerprint;
  • Information could also could include phone call recordings, security or camera recordings;
  • Other information could include inferences based on information about an individual to create a summary of the individual’s preferences and characteristics.

Purpose and use for the information collected:
When you open an account with ANB Bank, we collect information about you as required or permitted by U.S. federal law. To help the government fight the funding of terrorism and money-laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

We may use the collected information for the following:

  • Improve the user experience on our digital services.
  • Verify your identity and device when logging into our digital services.
  • Prevent or help detect fraud on your accounts.
  • Provide services for your accounts.
  • Communicate or respond to requests from you.
  • Comply with laws, regulations, subpoenas and similar processes.

Do we sell this information:
We do not sell any personal data.

Do we share this information:
If you have a financial product or account with us, please review our Privacy Notice for details on how we use and share any information that we collect about you.

Using your ANB Bank Debit or ATM card

What we collect:

  • Personal identifiers such as your name, alias, postal address, email address, date of birth, and social security number, account number(s) and account name(s);
  • Online identifiers that include Internet Protocol (IP) address and username;
  • Commercial information including records or personal property, products or services purchased, products or services obtained or products or services considered;
  • Internet or other electronic network activity, such as browsing history, search history, operating system and version, browser and version, network provider, mobile or tablet device's configuration/data attributes and information regarding consumer’s interaction with an internet website, application, or advertisement;
  • Location data from use of the website, online banking, mobile app, usages of ATMs, and usage of debit cards.

Purpose and use for the information collected:
We may use the collected information for the following:

  • Improve the user experience on our digital services.
  • Verify your identity and device when logging into our digital services.
  • Prevent or help detect fraud on your accounts.
  • Provide services for your accounts.
  • Communicate or respond to requests from you.
  • Comply with laws, regulations, subpoenas and similar processes.

Do we sell this information:
We do not sell any personal data.

Do we share this information:
If you have a financial product or account with us, please review our Privacy Notice for details on how we use and share any information that we collect about you.

Make a Deposit or Withdrawal from Your Account

What we collect:

  • Personal identifiers such as your name, alias, postal address, email address, date of birth, and social security number, account number(s) and account name(s);
  • Identity documents such as your driver's license, passport, military ID, birth certificate, social security card, state issued ID or other government issued ID;
  • Biometric information could include signature and fingerprint;
  • Phone call recordings, security or camera recordings.

Purpose and use for the information collected:
We may use the collected information for the following:

  • Improve the user experience on our digital services.
  • Verify your identity and device when logging into our digital services.
  • Prevent or help detect fraud on your accounts.
  • Provide services for your accounts.
  • Communicate or respond to requests from you.
  • Comply with laws, regulations, subpoenas and similar processes.

Do we sell this information:
We do not sell any personal data.

Do we share this information:
If you have a financial product or account with us, please review our Privacy Notice for details on how we use and share any information that we collect about you.

Open and Maintain a Safe Deposit Box

What we collect:

  • Personal identifiers such as your name, alias, postal address, email address, date of birth, and social security number, account number(s) and account name(s);
  • Identity documents such as your driver's license, passport, military ID, birth certificate, social security card, state issued ID or other government issued ID;
  • Commercial information including records or personal property, products or services purchased, products or services obtained or products or services considered;
  • Biometric information could include signature and fingerprint;
  • Phone call recordings, security or camera recordings;
  • Professional or employment related information;
  • Other information could include inferences based on information about an individual to create a summary of the individual’s preferences and characteristics.

Purpose and use for the information collected:
We may use the collected information for the following:

  • Verify your identity.
  • Prevent or help detect fraud on your accounts.
  • Provide services for your accounts.
  • Communicate or respond to requests from you.
  • Comply with laws, regulations, subpoenas and similar processes.

Do we sell this information:
We do not sell any personal data.

Do we share this information:
If you have a financial product or account with us, please review our Privacy Notice for details on how we use and share any information that we collect about you.

When You Visit or Use our Website

What we collect:

  • Online identifiers that include Internet Protocol (IP) address and username;
  • Location data from from use of the website, online banking, mobile app, usages of ATMs, and usage of debit cards;
  • Internet or other electronic network activity, such as browsing history, search history, operating system and version, browser and version, network provider, mobile or tablet device's configuration/data attributes and information regarding consumer’s interaction with an internet website, application, or advertisement.

Purpose and use for the information collected:
We may use the collected information for the following:

  • Improve the user experience on our digital services.
  • Verify your identity and device when logging into our digital services.
  • Prevent or help detect fraud on your accounts.
  • Provide services for your accounts.
  • Communicate or respond to requests from you.
  • Comply with laws, regulations, subpoenas and similar processes.

Do we sell this information:
We do not sell any personal data.

Do we share this information:
If you have a financial product or account with us, please review our Privacy Notice for details on how we use and share any information that we collect about you.

When You Use our Online Banking Platform

What we collect:

  • Online identifiers that include Internet Protocol (IP) address and username;
  • Commercial information including records or personal property, products or services purchased, products or services obtained or products or services considered;
  • Location data from use of the website, online banking, mobile app, usages of ATMs, and usage of debit cards;
  • Internet or other electronic network activity, such as browsing history, search history, operating system and version, browser and version, network provider, mobile or tablet device's configuration/data attributes and information regarding consumer’s interaction with an internet website, application, or advertisement.

Purpose and use for the information collected:
We may use the collected information for the following:

  • Improve the user experience on our digital services.
  • Verify your identity and device when logging into our digital services.
  • Prevent or help detect fraud on your accounts.
  • Provide services for your accounts.
  • Communicate or respond to requests from you.
  • Comply with laws, regulations, subpoenas and similar processes.

Do we sell this information:
We do not sell any personal data.

Do we share this information:
If you have a financial product or account with us, please review our Privacy Notice for details on how we use and share any information that we collect about you.

When You Use our Mobile Application

What we collect:

  • Online identifiers that include Internet Protocol (IP) address and username;
  • Commercial information including records or personal property, products or services purchased, products or services obtained or products or services considered;
  • Location data from use of the website, online banking, mobile app, usages of ATMs, and usage of debit cards;
  • Internet or other electronic network activity, such as browsing history, search history, operating system and version, browser and version, network provider, mobile or tablet device's configuration/data attributes and information regarding consumer’s interaction with an internet website, application, or advertisement;
  • Information regarding whether the mobile phone is jailbroken or has a DNS infection or other major security issue that could compromise the safety of your account.

With the ANB Mobile App, we do not monitor or collect the following:

  • Any information on user behavior in any application;
  • Any information on any browsing behavior;
  • Any information on any data on the phone (SMS messages, photos, etc.).

Purpose and use for the information collected:
We may use the collected information for the following:

  • Improve the user experience on our digital services.
  • Verify your identity and device when logging into our digital services.
  • Prevent or help detect fraud on your accounts.
  • Provide services for your accounts.
  • Communicate or respond to requests from you.
  • Comply with laws, regulations, subpoenas and similar processes.

Do we sell this information:
We do not sell any personal data.

Do we share this information:
If you have a financial product or account with us, please review our Privacy Notice for details on how we use and share any information that we collect about you.

When You Use our Social Media Sites

What we collect:

  • Online identifiers that include Internet Protocol (IP) address and username;
  • Location data from use of the website, online banking, mobile app, usages of ATMs, and usage of debit cards;
  • Internet or other electronic network activity, such as browsing history, search history, operating system and version, browser and version, network provider, mobile or tablet device's configuration/data attributes and information regarding consumer’s interaction with an internet website, application, or advertisement;
  • Professional or employment related information;
  • Other information could include inferences based on information; about an individual to create a summary of the individual’s preferences and characteristics.

Purpose and use for the information collected:
We may use the collected information for the following:

  • Prevent or help detect fraud on your accounts.
  • Communicate or respond to requests from you.
  • Comply with laws, regulations, subpoenas and similar processes.

Do we sell this information:
We do not sell any personal data.

Do we share this information:
If you have a financial product or account with us, please review our Privacy Notice for details on how we use and share any information that we collect about you.

Other banking services and functions (such as wires, cash advances or paying bills)

What we collect:

  • Personal identifiers such as your name, alias, postal address, email address, date of birth, and social security number, account number(s) and account name(s);
  • Online identifiers that include Internet Protocol (IP) address and username;
  • Commercial information including records or personal property, products or services purchased, products or services obtained or products or services considered;
  • Biometric information could include signature and fingerprint;
  • Location data from use of the website, online banking, mobile app, usages of ATMs, and usage of debit cards;
  • Internet or other electronic network activity, such as browsing history, search history, operating system and version, browser and version, network provider, mobile or tablet device's configuration/data attributes and information regarding consumer’s interaction with an internet website, application, or advertisement.

Purpose and use for the information collected:
We may use the collected information for the following:

  • Improve the user experience on our digital services.
  • Verify your identity and device when logging into our digital services.
  • Prevent or help detect fraud on your accounts.
  • Provide services for your accounts.
  • Communicate or respond to requests from you.
  • Comply with laws, regulations, subpoenas and similar processes.

Do we sell this information:
We do not sell any personal data.

Do we share this information:
If you have a financial product or account with us, please review our Privacy Notice for details on how we use and share any information that we collect about you.

Merchants processing payments on your behalf (this includes Lockbox)

What we collect:

  • Personal identifiers such as your name, alias, postal address, email address, date of birth, and social security number, account number(s) and account name(s);
  • Commercial information including records or personal property, products or services purchased, products or services obtained or products or services considered;
  • Biometric information could include signature and fingerprint.

Purpose and use for the information collected:
We may use the collected information for the following:

  • Improve the user experience on our digital services.
  • Verify your identity and device when logging into our digital services.
  • Prevent or help detect fraud on your accounts.
  • Provide services for your accounts.
  • Communicate or respond to requests from you.
  • Comply with laws, regulations, subpoenas and similar processes.

Do we sell this information:
We do not sell any personal data.

Do we share this information:
If you have a financial product or account with us, please review our Privacy Notice for details on how we use and share any information that we collect about you.

ANB Branded Social Media Sites

ANB Bank uses a number of social media sites to communicate with our customers. The social media sites, which are third-party sites (i.e. Facebook, Twitter, LinkedIn, etc.), have their own privacy policies and privacy setting capabilities that govern their sites. These sites may allow ANB Bank to have access information about you if you have opted to follow, like, or connect with the ANB Bank page.


Third Party Relationships

ANB may share information you enter through our digital services with third-party service providers with whom we have a business relationship in order to provide services to you and to process your requests.


anbbank.com Information

Cookies

The ANB Bank website and other ANB online platforms use cookies to provide an enhanced customer experience when you use our website and online platforms. Cookies contain data about your Internet usage and are stored directly on your computer. Our cookies are used to remember your Login ID, detect Transport Layer Security (TLS) settings on your browser and identify a trusted device or computer. The cookies from our website will stay on your computer until you clear or delete the cookies. You can choose to adjust your browser settings to block or delete cookies, but this could degrade your online experience by requiring you to enter your Login ID and password each time you login and requiring a secondary authentication with a Secure Access Code (SAC). You can delete cookies on your computer by following the instructions for your browser.

Google Analytics

ANB uses a tool called Google Analytics to collect statistical and website usage information for the anbbank.com website. Google Analytics uses cookies to collect this information. ANB Bank uses the following Google Analytic feature: Google Analytics Demographics and Interest Reporting. If you do not want Google Analytics to collect information about your website use, you can opt out by visiting https://tools.google.com/dlpage/gaoptout and following the instructions.

Do Not Track

Our website uses cookies but does not provide targeted advertising. As a result, we do not respond to Do Not Track (DNT) signals.

Linking to Third-Party Websites

ANB Bank may provide links to websites owned or operated by third parties ANB is not responsible for the external content of such third parties. When you use a link to visit a third-party website, you will be subject to that website's privacy and security practices.

ANB Bank has a presence on social media through our ANB Bank branded social media pages. These social media sites have their own privacy and security practices.


Data Subject Rights

CCPA – California Resident Data Subject Rights

The California Consumer Privacy Act (CCPA) provides certain rights to California residents. If your account has a California mailing address, we will not share your information with companies outside of ANB Bank, except for our everyday business purposes or with your consent. In response to requests that fall under CCPA for California residents, we will conform to the requirements of CCPA.

GDPR – European Union (EU) Data Subject Rights

The EU's General Data Protection Regulation (GDPR) provides certain rights to EU residents. In response to requests that fall under GDPR for EU residents, we will conform to the requirements of GDPR.

For any data requests, please contact us through the information provided below.


Security of your information

ANB Bank complies with all applicable federal and state laws and regulations regarding security of customer data.


Questions, concerns or complaints

Please contact ANB's Compliance department:

Mail:
ANB Bank
Compliance Department
3033 1st Ave, Suite 215
Denver, CO, USA 80206

Email:
DataPrivacyRequests@anbbank.com
For your security: Do not send account or personal information in an email message.

Phone:
1-866-433-0282