At
Access National Bank and Access National Mortgage Corporation, (ANMC)
and Access National Leasing Corporation collectively (Access), we do everything
we can to protect the privacy of consumers and our customers including
those who visit our Web sites. We value your time and your interest in
our organization. We place a high priority on ensuring the security and
privacy of data pertaining to each consumer. We are aware that you have
entrusted us with your financial information and accounts, and also have
shared personal information with us.
The Collection and Use of Information. We collect nonpublic information
about you from some or all of the following sources:
Information
we receive from you on applications or other forms, such as your name,
address, social security number, assets and income.
Information
about your transactions with us, our affiliates, or others such as
your account balance, payment history, participation in transactions,
and;
Information
we receive from a consumer reporting agency, such as your creditworthiness
and credit history.
If
you decide to close your account(s) or become an inactive customer, we
will continue to follow the privacy policies and practices as described
in this notice with respect to your information.
We collect only the information necessary to deliver quality products
and services to our customers.
Sharing of Information with Non-affiliated Companies. We do not
share any customer information with third party marketers offering products
and services.
Sharing of Information with Companies that Work for Us. As permitted
by law, we may share information about your identity (such as name, Social
Security number, etc.) transactions with us, (such as account number and
repayment history), your application (such as income and/or asset information),
and credit report or other similar information (such as information about
your credit history). Situations where this type of sharing would be appropriate
could include:
When
we contract with third parties to help deliver our services to you
When
credit bureaus or other, as appropriate, ask for credit references
in the course of customary business practices; and
As
required by law, in the instance of a sale or merger or part of our
business
When
we share information with third parties, we hold all such parties to the
same or higher standards as we do ourselves with respect to privacy of
your information.
Sharing of Information With Affiliates. We may share the following
information, as permitted by law, with our affiliated companies.
Information
we receive from you on applications, or other forms, such as your
name, address, social security number, assets, and income.
Information
about your transactions with us, our affiliates, or others such as
your account balance, payment history, participation in transactions,
and;
Information
we receive from a consumer reporting agency, such as your creditworthiness
and credit history.
By
sharing information about your accounts and relationships with our affiliates,
we can improve your experience with our organization and serve you more
efficiently. For example, if you have an account with Access National
Bank and wish to obtain a mortgage loan through our wholly-owned mortgage
subsidiary, (ANMC), we may share information you have provided us. This
could save you time in processing your loan application since you may
not need to provide duplicate information.
HOW TO ASK US NOT TO SHARE WITH OUR AFFILIATES.Ensuring Your
Privacy and Preferences. We are dedicated to protecting your privacy
as well as providing products and services that we believe will be of
benefit to you. If for any reason you are concerned that the personal
information or account information maintained by us is not correct or
you do not want us to share information as indicated in the preceding
paragraph, simply tell us by either:
Writing
To:
Access National Mortgage
532 Baltimore Blvd. Suite 311A
Westminster, Maryland 21157 U.S.A.
Calling Us At:
(800) 814-2302
In order for your request to be properly processed, please provide your
account number(s), your name, address, and Social Security number. Please
type or print your information clearly. Also, do not include any other
type of correspondence with your request. Allow approximately four to
six (4-6) weeks for your request to be processed.
Children's Online Privacy Protection. Protecting the privacy of
our children is essential. We recognize that protecting children's identities
and privacy online is important and that the responsibility to do so rests
with both the online industry and with parents.
Internal Confidentiality Policy. Our employees are responsible
for adhering to strict confidentiality standards that are designed to
protect your personal and financial information. This requirement ensures
your privacy by controlling access to your information and restricting
the use of it. Confidentiality standards and information access controls
are reviewed and updated regularly to ensure your privacy.
Cookies. Many Web sites use cookies, small text files on your hard
drive and accessible only to the site that placed it on your hard drive.
The data collected from cookies helps a Web site determine how many people
visit the site and what pages they view. You can set your Web browser
to warn you before you accept a cookie. When visiting our Web sites, we
may use cookies on some pages, simply to help us serve you better each
time you return. You can set your Web browser to warn you before you accept
a cookie. Contact your browser service to find out how.
Encryption. One component of our online banking security system
is our Secure Socket Layer (SSL) encryption. When you visit pages requesting
or presenting sensitive personal or financial data, we will encrypt the
information, preventing third parties from accessing it in transit. (Look
for the lock icon on your browser.) We utilize 128-bit encryption to protect
your personal information.
Browser Requirements. Because of our security system, you will
need to use a browser that supports SSL encryption if you wish to take
advantage of the features and functionalities of our Web sites. The browsers
currently supported are Microsoft Internet Explorer 5.0, 5.5 and 6.0,
and Netscape 4.6 through 4.7x.
Digital ID's. To ensure the security of your account information,
we use a system involving Digital Identification Certificates from VeriSign,
Inc., the leader in digital certification and authentication services.
Using the strongest cryptographic techniques, VeriSign Digital ID's provide
a trusted means of verifying the identity of each party in an electronic
transmission. Through Digital ID's you can be assured that you are actually
communicating with Access when you transmit your personal and/or financial
information to us through our Web site.
Our Commitment to Privacy and Security. Access is committed to
protecting your personal and financial information that you have provided
us. We will continue to safeguard your information and comply with all
laws and regulations relating to your privacy.
Affiliates. This policy applies to the following affiliates: