PRIVACY INFORMATION.

EFFECTIVE DATE.  March 18, 2024

UPDATED.  April 17, 2026

PLEASE CAREFULLY READ THE POLICY BEFORE USING THE SITE.  BY ACCESSING OR USING THE SITE, YOU AGREE TO THE POLICY.  THE POLICY MAY CHANGE FROM TIME TO TIME.  YOUR CONTINUED USE OF THE SITE AFTER WE MAKE CHANGES TO THE POLICY IS YOUR CONSENT TO THOSE CHANGES.  CHECK THE POLICY REGULARLY FOR UPDATES.

Download Platinum Bank’s Digital Privacy Policy (PDF)

Download Platinum Bank’s Privacy Notice (PDF)

Platinum Bank and its affiliates (“we,” “our,” or “us”) respect your privacy and is committed to transparency regarding how we handle your information.  This Digital Privacy Policy (the “Policy”) explains how we collect, use, and disclose your information.  The Policy applies to any website, mobile application, or other digital service that we own and control (the “Site”) unless a different privacy policy is posted relating to a particular Site that you access.  As you read this Policy, please note that software, hosting, and other technology functions on the Site may be provided by entities that process your information on our behalf and based on our instructions (“Service Providers”).  We require our Service Providers to handle your data in compliance with applicable law and this Policy. 

By using our Site, you consent to the collection, use, and sharing of your information subject to and consistent with this Policy, applicable laws and regulations, and other communication from us that you may have received based on your relationship with us.

The Site is not intended for individuals under the age of thirteen.  If you are under the age of thirteen, do not provide Personal Information through the Site.  We do not knowingly collect information from children under thirteen.  Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA).

When you visit our Site, the types of user data or information about you we obtain about you depends on how you interact with us and our products and services.  If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.  We do not sell (meaning disclosing, disseminating, making available, transferring, or otherwise communicating to a third party for monetary consideration) user data or information about you.  We collect user data and information about you and share such information with our Service Providers only for business purposes, such as:

• Auditing, compliance, and examination
• Ensure security and integrity of the Site
• Fraud prevention
• Debugging to identify and repair errors that impair functionality of the Site
• Short-term, transient use, as part of your current interaction with the Site
• Performing services for you that you request
• Communicating with you, including answering your questions
• Advertising and marketing our services to you
• Internal research for technological development and demonstration
• Activities to verify or maintain the quality or safety of the Site and to improve, upgrade, or enhance the Site
• Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations, and our policies

We will only retain your personal information for the period reasonably necessary to fulfill the purposes outlined in this Policy unless a longer retention period is required by law, including federal or state banking law regarding records retention.

When you visit or use the Site, we may collect personal information from or about you including your name, email address, mailing address, telephone and/or cellphone number(s), account numbers, limited location information, username, and password.  We may also collect payment card information, tax identification numbers, driver’s license numbers (or comparable), or other information you choose to share with us when you provide such information while using our Site and where we believe such information is reasonably required for ordinary business purposes.

If you grant permission to use access photos, media, or other files stored on your device we, through our Service Provider Jack Henry, will use that information to add an image to a transaction, to attach a document to chat, and add a photo to your profile.  If you grant permission to use a camera, we will use it when taking a picture to add an image to a transaction or to capture images of a check that is being deposited or to add a photo to your profile.

Your session on the Site will be recorded and monitored to collect data and manage any digital chats or communications by text message that you may have with our employees.  To do this, we may utilize screen sharing technology, which can allow us to help you navigate through the site and find information in real time, making it easier for you to interact with us through the Site.  Any text messages between you and our employees will be collected to ensure our employees’ compliance with applicable legal requirements and our policies.

In addition to the personal information described above, we may collect certain information about your use of the Site.  For example, you can browse our website without telling us who you are.  However, our Site automatically collects and stores: 1) the name of the domain and host from which you access the Internet; 2) the Internet protocol (IP) address of the computer you are using; 3) the browser software you use and your operating system; 4) the date and time you access our Site; and 5) and the Internet address of the site from which you linked directly to our Site.  If you are accessing the Site on a mobile device, the Site may collect persistent device identifiers (for example, IMEI, IMSI, or SIM Serial number).  Your persistent device identifiers will not be linked to other personal and sensitive user data or resettable device identifiers except for the purposes of: 1) telephony linked to a SIM identity (for example, WiFi calling linked to a carrier account); and 2) enterprise device management apps using device owner mode.

We and our Service Providers collect information about your activity on the Site using tracking technologies, including:

• Cookies. Cookies are small amounts of data a website can send to your web browser.  Cookies allow us to collect information such as the type of browser you are using, the amount of time you spend using the Site, other websites, or applications you visit, and the preferences you have set up for your accounts.  We use this information to personalize your experience, enhance security, facilitate navigation, display material more efficiently, recognize the device that you are using to access the Site, and understand how the Site is used.  While each device and each browser is different, many web browsers allow you to adjust your browser settings to decline or delete cookies.  Doing so may degrade your experience with our Site.  Please note that you will need to manage your cookie settings for each device and browser that you use.
• Pixel tags, web beacons, clear GIFs and other similar technologies. These technologies are typically one-pixel, transparent images located on a webpage or in an email or other message.  We may use these or similar technologies on the Sites and in some of our digital communications (such as email or other marketing messages).  Such technologies may also be used when you are served advertisements or you otherwise interact with advertisements outside of our Site.  These technologies help us recognize users, assess traffic patterns, and measure Site or marketing campaign engagement.  We may use these technologies to bring together information we collect about you, but we never sell this information.
• Location tracking on mobile devices. Certain applications on mobile devices may transmit information to us about your location.  For example, this could include your physical location when you search for a nearby ATM using your mobile device.  We may use that information to improve the products and services we provide to you as well as improving our services generally in your area.

Advertising Service Providers.  We use advertising Service Providers to place advertisements for our services on websites not affiliated with us, and to help us determine which of our advertisements are most likely to be of interest to you using non-personal behavioral information.  Advertisements placed by these Service Providers may use tracking technologies that allow monitoring of your responsiveness to such advertisements.  We restrict Service Providers by agreements with us from collecting information about you on our behalf for purposes other than assisting us with our advertising efforts.

By providing us with a telephone number for a cellphone or other wireless device, you are expressly consenting to receiving communications, including marketing communications, from us.   Those communications include but are not limited to: 1) prerecorded or artificial voice message calls; 2) text messages; 3) calls made by an automatic telephone dialing system.  This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for marketing and non-marketing purposes.  Please note that calls and messages may incur access fees from your cellular provider.

To help us verify your identity, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, to allow us to verify your identity, and to compare information you have provided to us with your wireless operator account profile information for the duration of our relationship.  See our Privacy Notice for more information on how we treat your data.

To help us verify your identity, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, to allow us to verify your identity, and to compare information you have provided to us with your wireless operator account profile information for the duration of our relationship.  See our Privacy Notice for more information on how we treat your data.

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.  No data transmission or storage system can guarantee security.  If you have reason to believe that your interaction with the Site is no longer secure, notify us immediately at 651-332-5200. 

Please note that information you send to us electronically may not be secure when it is transmitted to us.  We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us.

You are responsible for helping us protect your accounts.  Carefully consider the risks before revealing your username, password, or other credentials to any person or third party.  By providing your username, password, or other credentials to any person or third party (including an aggregation service) you authorize that person or third party to initiate transfers to or from your account.

Some third-party companies offer aggregation services that allow you to consolidate your financial account information from a variety of sources and view that information at a single online location.  For example, an aggregation service might collect and consolidate your checking and savings account balances at your bank, the value of your stocks and bonds in your brokerage account, and your frequent flier mileage information from airlines.  In order to do so, the aggregation service may request personal information from you, including identification information, account information, usernames, and passwords, for each individual account.

Please use caution when providing personal information to an aggregation service.  By providing your username, password, or other credentials to an aggregation service you authorize that person or third party to initiate transfers to or from your account. 

To help us protect your personal information, you must always keep your account information safe.  Additional information regarding identity theft and the steps you can take to help protect yourself from fraud can be found on the Federal Trade Commission website.

 The Site may contain links to third-party websites or mobile applications not controlled by us.  When you leave the Site, we encourage you to read the privacy policies and terms of use of any such websites or mobile applications that may collect user data or information about you.  The privacy policies and terms of any third-party website or mobile application will likely differ from those of the Site.  We do not guarantee and are not responsible for the privacy policies or security of these websites and mobile applications, including the accuracy, completeness, or reliability of their information.

In addition, we are not responsible for the information collection, use, and disclosure practices (including the data security practices) of other organizations, such as Facebook, Apple, Google, Microsoft or any other app developer or provider, social media platform provider, operating system provider, wireless service provider, or device manufacturer.

 The Site is controlled and operated by us from the United States and is not intended to subject us to the laws or jurisdiction of any country or territory other than that of the United States. We may store and process your personal information in any country where we have facilities or in which we engage Service Providers.  By using the Site, you consent to the transfer of your information to countries outside of your country of residence, including the United States, which may have different data privacy and data protection laws than those of your country.

If you have any questions or comments about this Policy, we encourage you to contact us by calling 651-332-5200 or visiting the “Contact Us” page on our website.