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Credit Strong Privacy Policy

Credit Strong is a division of Austin Capital Bank, a 5-star rated independent community bank and member of the FDIC, so you know both your savings and financial information are safe and secure.

Revised May 2018

Facts: WHAT DOES AUSTIN CAPITAL BANK SSB 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 sharing. 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 and Payment History
  • Account balances and Transaction history
  • Credit history and Overdraft history

When you are no longer a 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 Austin Capital Bank SSB chooses to share; and whether you can limit this
sharing.

 

Reasons we can share your personal information Does Austin Capital Bank SSB 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 nonaffiliates to market to you No We don’t share

Questions? Call 1-512-693-3600 or go to www.austincapitalbank.com/contact-us/

Who we are
Who is providing this notice? Austin Capital Bank SSB

 

What we do
How does Austin Capital Bank SSB 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.
How does Austin Capital Bank SSB collect my personal information?

We collect your personal information, for example, when you

  • Open an account or Use your credit or debit card
  • Pay your bills or Apply for a loan
  • Make deposits or withdrawals from your account

We also collect your personal information from other companies.

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 rights under state law.

Definitions
Affiliates

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

 

  • Austin Capital Bank has no affiliates.
Nonaffiliates

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

 

  • Austin Capital Bank SSB does not share with nonaffiliates so they can
    market to you.
Joint marketing

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

 

  • Austin Capital Bank SSB does not jointly market.
Other important Information

Special Notice for Texas State Residents: HOW TO FILE A COMPLAINT.

Austin Capital Bank SSB is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against Austin Capital Bank SSB should contact the Texas Department of Savings and Mortgage Lending through one of the means indicated below:
In person or by U.S. Mail: 2601 North Lamar Boulevard, Suite 201 Austin, Texas 78705-4294
Telephone Number: (877) 276-5550 Fax Number: (512) 475-1360 or via electronic submission via the Department’s website:

Electronic submission via the Department’s website:
http://www.sml.texas.gov/consumerinformation/tdsml_consumer_complaints.html

Special Notice for California State Residents: Under California law, we will not share information we collect about you with companies outside of Austin Capital Bank SSB, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law. 

Special Notice for Nevada Residents: We may contact our existing customers by telephone to offer additional financial products that we believe may be of interest to you. You have the right to opt out of these calls by adding your name to our internal do-not-call list. To opt out of these calls, or for more information about your opt out rights, please contact our customer service department. You may reach us by calling 512-693-3600, clicking the “contact us” link at www.austincapitalbank.com, or writing to Austin Capital Bank, 8100 Shoal Creek Blvd, Austin, TX 78757. You are being provided this notice under Nevada state law. In addition to contacting Austin Capital Bank, Nevada residents can contact the Nevada Attorney General for more information about your opt out rights by calling775-684-1100, emailing bcpinfo@ag.state.nv.us, or by writing to: Office of the Attorney General, Nevada, Department of Justice, Bureau of Consumer Protection, 100 North Carson St, Carson City, NV 89701-4717

 

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Credit Strong Customer Support: 833-850-0850