2. INFORMATION COLLECTION AND USAGE
The types of nonpublic Personal Information that we may collect depends on which of our Services you are utilizing. We may collect the following types of Personal Information:
- Information we receive directly from you on applications, forms and in other communications to us, including but not limited to, personal and business identification information such as name, street address, e-mail address(es), telephone and facsimile number(s).
- Information we collect about you or collect from third party sources pertaining to your transactions with us, our affiliates and others.
- Information obtained when verifying your registration when using our Services, including but not limited to, username, password, and secret questions and secret answers for resetting passwords.
- Information we collect automatically from your browser or mobile device, including but not limited to, Internet Protocol address, type of mobile device, mobile operating system, browser type, geographic location, pages you visit and the information you request, and the date and time of your access.
BGA uses the above-listed Personal Information only as permitted by law, including for the following purposes:
- To complete transactions and provide the Services authorized by you.
- For general business purposes, including but not limited to, to diagnose problems with the website or application, to send you information about your account, to provide you access to your account, to notify you of new products or applications being released, to verify your identity, to determine and confirm your transaction limits, to perform collections, to troubleshoot problems, to analyze our products and services, to enforce our Terms and Conditions for our Services, to protect our rights and property, and to customize, measure, and improve our Services.
- For other business purposes such as data analysis, identifying usage trends, determining the effectiveness of our Services and to enhance, customize and improve our features, products and Services.
- To comply with and enforce applicable legal requirements, agreements and policies, or to prevent, detect, identify, investigate, respond and protect against potential or actual claims, liabilities, prohibited behavior and criminal activity.
- To develop and improve our marketing activities, including identifying new client opportunities, sending marketing communications and displaying personalized advertisements and content.
We do not share your Personal Information with non-affiliated third parties for purposes of selling their products and services to you.
3. INFORMATION SHARING AND DISCLOSURE
We may disclose, or in the past 12 months have disclosed, the Personal Information identified above in the following limited circumstances for business purposes:
- Affiliated Companies and Financial Institutions. We may disclose Personal Information with companies that are affiliated with us (for example, companies that control, are controlled by, or are under common control with us). We may also disclose Personal Information that is collected between websites that we, or our affiliates, control. We may also share your Personal Information other financial institutions, such as member credit unions. The Personal Information shared with these financial institutions typically includes Personal Information to verify accounts, confirm transactions, and to coordinate and improve the Services provided to you.
- Organizations that Provide Services. We may disclose your Personal Information with companies that perform services for us, such as credit, product development, and data processing vendors. The information shared with these companies typically includes Personal Information to process transactions on your behalf, conduct our operations, follow your instructions as you authorize, or protect the security of our financial records. We may also disclose your Personal Information with third parties as described below in the section entitled “Cookies and Other Tracking Technologies.”
- Potential Buyers. In the event that we go through a business transition, such as a merger, another company acquires us or our affiliates, or we sell a portion of our assets, your Personal Information will, in most instances, be part of the assets transferred. Any successor entity shall be bound by terms and conditions reasonably similar to this Privacy Notice.
- Other Parties. We may disclose your Personal Information with other parties to comply with a legal obligation; to protect the legal rights of (or otherwise participate in a legal process pertaining to) our company, our employees, our agents, our clients, and our affiliates; to protect the safety and security of our visitors, or to protect against fraud; or otherwise with your consent or as allowed by applicable law.
We reserve the right to disclose any Personal Information about you or your use of this website without your prior permission if we have a good faith belief that such action is necessary to: (i) protect and defend our rights, property or safety or that or those of our affiliates, other users of this website, or the public; (ii) enforce the Terms and Conditions or other terms for this website; or (iii) respond to claims that any content violates any law or the rights of third parties.
4. HOW WE PROTECT YOUR PERSONAL INFORMATION
We have reasonable and appropriate technical and organizational measures in place to protect against the loss, misuses, and alteration of your Personal Information under our control. We have taken reasonable steps to confirm the Personal Information is retained in secured facilities and that reasonable measures have been implemented for protection from unauthorized access. The measures we use are designed to provide a level of security appropriate to the risk of processing your Personal Information.
However, no security system is impenetrable. We cannot guarantee the security of our website or databases, nor can we guarantee that Personal Information you supply will not be intercepted while being transmitted to us over the Internet. We ask that you do your part by maintaining any information you use to access the Internet or this website strictly confidential.
Every time you come to the website, our website’s web server automatically collects information, including, in some instances, Personal Information, through cookies, web beacons, and other similar tracking technologies (collectively “cookies”). Cookies are small text files that are placed on your computer or mobile device when you visit a website. Cookies help the website remember information about your visit, which can make it easier to visit the website again and make the website more useful to you. Some cookies are deleted once you close your browser (session cookies), while other cookies are retained even after you close your browser so that you can be recognized when you return to a website (persistent cookies). More information about cookies and how they work is available at www.allaboutcookies.org. Generally, your email address and all other Personal Information is collected only when you voluntarily provide that data.
Cookies on our website are generally divided into the following categories:
|Essential Cookies||These are cookies that our website needs in order to function and that enable you to move around and use the website and features. Without these essential cookies, the website will not perform as smoothly for you as we would like it to, and we may not be able to provide the website or certain services or features you request. Examples of where these cookies are used include: to determine when you are signed in, to determine when your account has been inactive, and for other troubleshooting and security purposes.|
|Analytics Cookies||Analytics cookies provide us with information regarding how visitors navigate and interact with our website. Such cookies allow us to understand, for example, more about how many visitors we have to our website, how many times they visit us and how many times a user viewed specific pages within our Site. Among other Analytics cookies, we use Google Analytics cookies for these purposes. For more information about Google Analytics, please refer to “How Google Uses Information From Sites or Apps that Use Our Services,” which can be found at www.google.com/policies/privacy/partners/, or any other URL Google may provide from time to time.|
|Advertising Cookies||Advertising cookies may be placed by us or third parties to enable third party ad networks to recognize a unique cookie on your computer or mobile device. The information that is collected and shared by these types of cookies may also be linked to the device identifier of the device you are using to allow us to keep track of all the websites you have visited that are associated with the ad network. This information may be used for the purpose of targeting advertisements on our website and third party sites based on those interests.|
We may use the information collected through cookies and related tracking technologies for the following purposes:
- To make our website easier to use and generally improve its performance.
- To gather metrics about how you interact with our website.
- For security reasons.
- To provide personalized content. For example, we may store user preferences, your default language, device and browser information, your profile information, which includes the level of your usage of the website, which you visit, so we can identify you across devices and personalize the content you see.
- To advertise to you via behavioral-based/targeted advertising and allow others to do the same.
Most web browsers automatically accept cookies, but you can usually change your browser settings to prevent this. If you disable cookies, your ability to use some features of the website may be limited. For mobile devices, you may be able to manage certain cookies using your built-in mobile device settings and controls. Any choices concerning cookies are browser and/or device specific. If you clear your cookies from your browser on any of your devices, your choices will need to be reset. You should check how to do this on your device(s) and operating systems.
Some cookie providers may also offer opportunities to control your preferences. To learn how to opt-out of Google Analytics, an Analytics cookie, please visit https://tools.google.com/dlpage/gaoptout.
6. LINKED THIRD PARTY WEBSITES
We may provide links to other third party websites through the Services solely as a convenience to you. However, such linking does not mean, and should not be interpreted to mean, that BGA endorses, is affiliated with or makes any representations concerning such third party websites. BGA neither reviews, controls, nor is responsible for these third party sites or any content therein. By using such links, you will leave the Services. If you decide to access any of the third party websites linked to the Services, you do so entirely at your own risk. BGA shall not be liable for any consequences arising from use of any third party websites to which the Services link.
At this time, our website is not currently configured to respond to a browser’s “do not track” signals.
8. DATA RETENTION
How long we retain your Personal Information depends on the context in which, and purposes for which, we collected it. We generally retain Personal Information for as long as necessary for achieving the purposes for which it was collected or processed, unless a different retention period is required by applicable law.
When we have no ongoing business need to process your Personal Information, we will either delete or anonymize it or, if this is not possible (for example, because your Personal Information has been stored in backup archives), then we will securely store your Personal Information and isolate it from any further processing until deletion is possible.
9. RIGHTS RELATED TO YOUR PERSONAL INFORMATION
Depending on where you live and the types of Personal Information at issue, you may have certain rights with respect to your Personal Information. Please note that many of these rights are subject to exceptions and limitations. For example, certain laws generally do not apply to Personal Information that you provide to us while acting in your professional capacity.
- Right of access: You have the right to know whether your Personal Information is being processed, and, where that is the case, to request access to, including a copy of, the Personal Information undergoing processing.
- Right to correction: You have the right to request that we correct or supplement any inaccurate or incomplete Personal Information we process about you.
- Right to deletion: You have the right to request that we delete your Personal Information or, as applicable, anonymize your Personal Information.
- Right to data portability: You have the right to request that we provide the Personal Information which you provided to us in a structured, commonly used and machine-readable format, and you have the right to transmit such Personal Information to another entity.
- Right to withdraw your consent: Where our processing is based on your consent, you have the right to withdraw such consent at any time. Withdrawing your consent will not affect the lawfulness of the processing we conducted prior to your withdrawal.
- Right to restriction of processing: You have the right to request that we restrict the processing of your Personal Information.
- Right to object: You have the right to object to our processing of your Personal Information.
- · Right to prohibit the sale or sharing of Personal Information: At this time, we do not sell your Personal Information.
If you choose to assert any of these rights under applicable laws, we will respond within the time period prescribed by applicable law. Please note that many of the above rights are subject to exceptions and limitations. If we are not able to provide the requested information or make the change you requested, you will be provided with the reasons for such decisions. Under local law, you may be entitled to lodge a complaint with your local data protection authority, such as your state Attorney General’s Office.
Your rights and our responses will vary based on your state of residency. Please note that you may be located in a jurisdiction where we are not obligated, or are unable, to fulfill a request. In such a case, your request may not be fulfilled.
Rights Request and Verification Process
Only you, or a person that you authorize to act on your behalf, may make a verifiable consumer request related to your Personal Information. If you designate an authorized agent to submit requests to exercise certain privacy rights on your behalf, we will require verification that you provided the authorized agent permission to make a request on your behalf. You must provide us with a copy of the signed permission you have given to the authorized agent to submit the request on your behalf and verify your own identity directly with us.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
- Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or an authorized representative.
- Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
Our verification process may also include a request for additional information to confirm your identity or your authorized agent’s identity (such as your name, email address and date of birth) or to obtain proof that you have given your authorized agent permission to act on your behalf. If our verification process is successful, we will respond to your request within the time and in the manner required by applicable law. If we cannot validate the identity of you and/or your authorized agent or obtain proof that you have given your authorized agent permission to act on your behalf, we will attempt to contact you to inform you.
We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm that the Personal Information relates to you. We will only use Personal Information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the Personal Information from one entity to another entity without hindrance, specifically by electronic mail communication. Further, if you would like to appeal any decision we make about your request, you may contact us as stated in the “Contact Information” section below.
Our Services are not directed toward children under the age of thirteen, and we do not knowingly collect any Personal Information from children under the age of thirteen. If a child provided this website with Personal Information, we ask that a parent or guardian send us a written request to the address listed below and we will promptly delete the child’s Personal Information from our records.
Should any modification materially change how we use your Personal Information, we will provide notice online prior to the effective date of the change.
12. CONTACT INFORMATION
Last Update: November 9, 2022
Effective Date: November 9, 2022