PRIVACY POLICIES


Effective as of September 16, 2024

Banking services made available through ONE are issued by Coastal Community Bank, Member FDIC. Below are the Privacy Notices and Policies applicable to your ONE account from ONE and Coastal Community Bank.

ONE GLBA Privacy Notice

Coastal Community Bank U.S. Consumer Privacy Notice

ONE Privacy Policy

ONE GLBA Privacy Notice

                                                                                                                                                               Rev. June 2024

FACTS

WHAT DOES ONE 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
  • Income
  • Account balances and transaction history
  • Payment history
  • Employment information
  • Credit history and credit scores

When you are no longer our 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 ONE chooses to share; and whether you can limit this sharing.

  Reasons we can share your personal information

Does ONE 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

Yes

No

For our affiliates’ everyday business purposes – information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes – information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

Yes

Yes

Questions?

To limit our sharing

Call 1-855-830-6200

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 1-855-830-6200

Who we are

Who is providing this notice?

This notice is provided by One Finance, Inc., and OneProgress Services LLC (collectively, “ONE”)

What we do

How does ONE 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.

We restrict access to your personal information to our employees who need to know that information to provide your products and services.

How does ONE collect my personal information?

We collect your personal information, for example, when you:

● Open an account

● Make deposits or withdrawals from your account

● Apply for a loan

● Use your ONE card for debit purchases

● Provide account information

● Provide employment information

● Request or transfer funds

 

We also collect your personal information from others, such as credit

bureaus, affiliates or 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.

  • Our affiliates include nonfinancial companies, such as a retail company.

Nonaffiliates

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

  • Nonaffiliates we share with can include tax preparation companies, insurance companies, direct marketing companies and banks.

Joint marketing

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

  • Our joint marketing partners can include financial service companies, such as banks, insurance providers, investment companies, securities broker-dealers and credit card companies.

Other important information

Rights Under State Law: You may have privacy rights under various state laws. We will comply with these laws to the extent they apply.

For California residents:  We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account.

For Vermont residents: We will not disclose information about your creditworthiness to our affiliates and we will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account.  

 


Coastal Community Bank U.S. Consumer Privacy Notice

Revised:  June 2024

FACTS

WHAT DOES COASTAL COMMUNITY BANK 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 income

• Account balances and payment history

• Credit history and credit scores

When you are no longer our 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 Coastal Community Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Coastal Community Bank 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 (425) 257-9000 or go to www.coastalbank.com or email privacy@coastalbank.com

What we do

How does Coastal Community Bank 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.

Our Customer Information privacy policy serves as a standard for all Coastal Community bank employees for collection, use, retention and security of individual customer information.

How does Coastal Community Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account or pay your bills
  • Apply for a loan or make deposits or withdrawals from your account
  • Provide account information

We also collect your personal information from others, such as credit bureaus, affiliates, or 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.

Definitions

Affiliates

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

  • Coastal Community Bank does not share with affiliates

Nonaffiliates

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

  • Coastal Community Bank 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.

  • Coastal Community Bank doesn’t jointly market


ONE PRIVACY POLICY


Last Updated:
        September 16, 2024

This Privacy Policy describes how One Finance, Inc., and OneProgress Services LLC (collectively, “ONE”, or “we”, “our”, and “us”), receives, uses, shares and otherwise processes Personal Information (as defined below) in connection with the content, platform, services, products, and other functionality offered on or through our services (collectively, the “Services”), including our websites (www.one.app) and mobile applications (collectively, the “ONE Apps”).

  1. GRAMM-LEACH-BLILEY ACT COVERED DATA
  2. PERSONAL INFORMATION WE RECEIVE
  3. HOW WE USE YOUR PERSONAL INFORMATION
  4. THIRD PARTIES WHO MAY RECEIVE PERSONAL INFORMATION
  5. U.S. STATE RESIDENTS’ PRIVACY RIGHTS AND CHOICES
  6. RETENTION
  7. CHILDREN'S PERSONAL INFORMATION
  8. THIRD-PARTY PRIVACY PRACTICES
  9. UPDATES TO THIS PRIVACY POLICY
  10. CONTACT US

1. GRAMM-LEACH-BLILEY ACT COVERED DATA

If you apply for or have a financial product or service with us, we will use and share any Nonpublic Personal Information (“NPI”), as defined by the Gramm-Leach-Bliley Act (“GLBA”), that we collect from or about you in connection with your use of that product or service in accordance with our GLBA Privacy Notice, which offers you certain choices with respect to our collection, use, sharing, and processing of your NPI.

When you obtain or use financial products or services from ONE that are issued by Coastal Community Bank, those products or services are further subject to Coastal Community Bank’s GLBA Privacy Notice. Coastal Community Bank’s use of NPI that it receives is subject to its GLBA Privacy Notice.

2. PERSONAL INFORMATION WE RECEIVE 

Personal Information” means any data that identifies, relates to, describes, is capable of being associated with, is linked to or could reasonably be linked, directly or indirectly, with a person or household or any other data or information that constitutes “personal data,” “personal information,” or “personally identifiable information” under applicable privacy laws. When you use our Services we receive Personal Information in a variety of ways, including directly from you and/or your devices, from third parties (including our affiliates, banking partners, your employer, and other users), from publicly available sources, and through information that we collect automatically. We may receive the following categories of Personal Information:

3. HOW WE USE YOUR PERSONAL INFORMATION

We use Personal Information for the following purposes depending on which Services you use:

4. THIRD PARTIES WHO MAY RECEIVE PERSONAL INFORMATION

We may share any of the categories of Personal Information set out in Section 2, including for business purposes, with other brands, affiliates, subsidiaries or other entities in our family of companies and to the following categories of third parties:

5.    U.S. STATE RESIDENTS’ PRIVACY RIGHTS AND CHOICES

If you are a resident of certain U.S. states, you may have certain rights to manage your Personal Information (other than Personal Information that we collect and process subject to GLBA) under U.S. state laws, including the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act of 2020 (collectively, the “CCPA”), as set forth below:

To exercise your rights, please submit a request by contacting us at support@one.app, 1-855-830-6200 or writing to us at: ONE Finance, Inc., P.O. Box 513717, Los Angeles, CA 90051. We will acknowledge your request within 10 business days of receipt, and within 45 calendar days of receipt we will either provide a substantive response or notify you of an extension period of up to an additional 45 calendar days and a reason therefor. You can also correct and delete certain information directly in the ONE Apps.

Before processing your request, we will need to verify your identity and confirm your residency. To do so, we will generally either require the successful authentication of your account, or the matching of sufficient information you provide us to the information we maintain about you in our systems. This process may require us to request additional Personal Information from you, including, but not limited to, your email address and phone number.

In certain circumstances, we may decline a request to exercise the rights described above, particularly where we are unable to verify your identity or locate your information in our systems or where no U.S. state laws apply to our processing of your Personal Information because it is collected and processed subject to GLBA. If we are unable to comply with all or a portion of your request, we will explain the reasons for declining to comply with the request in our substantive response.

You may designate an authorized agent to submit your verified consumer request by providing written permission and verifying your identity, or through proof of power of attorney. The authorized agent must provide a letter signed by you confirming the agent has permission to submit a request on your behalf or must provide sufficient evidence to show that the authorized agent has been lawfully vested with power of attorney. For security purposes, where authorized agent does not have power of attorney, we may need to verify your identity and confirm directly with you that you have provided the authorized agent permission to submit the request. We may deny a request in the event we are not able to verify the authorized agent’s authority to act on your behalf. Please note that for privacy and security reasons, we will direct future communications to the consumer on whose behalf the request was made.

If we deny your request, some states afford you the right to appeal our decision. You may do so by contacting us at support@one.app, 1-855-830-6200 or writing to us at: ONE Finance, Inc., P.O. Box 513717, Los Angeles, CA 90051. Within 45 days of receipt, we will notify you in writing of our decision and the reasons therefor.

6.   RETENTION

We may retain Personal Information for as long as necessary for the purposes described in this Privacy Policy, or as otherwise permitted or required by law. In determining our retention periods, we use the following criteria: our relationship with you, the choices you have made with respect to your Personal Information, the permissibility of retention (including for backup and archival purposes), our legal and regulatory rights and obligations (including with respect to the prevention of fraud and abuse).

We do not delete your Personal Information upon deactivation of your account. Although your deactivated status is reflected promptly in our user databases, we may retain your Personal Information for a variety of purposes, including legal compliance, backups and archiving, prevention of fraud and abuse, and analytics. Upon deactivation of your account, you will no longer receive emails from us and links to third-party financial accounts and services will automatically terminate. If you have a money transfer transaction pending at the time you deactivate your account, your link to this service from us will terminate but your pending transfer will continue to completion and your bank account will remain open.

7.   CHILDREN’S PERSONAL INFORMATION

Our Services are not directed to, and we do not intend to, or knowingly, collect or solicit Personal Information from children under the age of 16. If you believe that a child under the age of 16 may have provided us with Personal Information without parental consent, please contact us.

8.   THIRD-PARTY PRIVACY PRACTICES

This Privacy Policy covers our privacy practices only. This Privacy Policy does not apply to the practices of third parties, including third parties with whom we partner. Third-party websites, services and applications are governed by each such third party's privacy policy, which we encourage you to read carefully. We are not responsible for the privacy policies and practices of third parties, and we are not responsible for the failure of third parties to honor their privacy obligations. By including a link to a third-party website or application, we do not endorse or recommend any products or services offered or information contained therein. If you decide to visit a third-party website or application via a link contained on the Services, you do so at your own risk.

9.   UPDATES TO THIS PRIVACY POLICY

When we make changes to this Privacy Policy, we will change the date at the beginning of this document. If we make material changes to this Privacy Policy, we will notify individuals by either email to their registered email address, by prominently posting within the ONE Apps, or through other appropriate communication channels. All changes shall be effective from the date of publication unless otherwise provided.

10.  CONTACT US

If you have any questions or requests in connection with this Privacy Policy or other privacy-related matters, or if you need assistance exercising any of the choices described in this Privacy Policy, contact us at support@one.app, call us at: 1-855-830-6200 or write to us at: ONE Finance, Inc., P.O. Box 513717, Los Angeles, CA 90051