TOTAL LICENSING
a big open struggle in Congress. This ties again • Private industry created organizations be customized to fit
into the American Cyber Security initiative. like ACXIOM and CHOICEPOINT who your needs…among
are selling personal reports to the the services offered
WHERE IN THE CONCERN ABOUT insurance industry electronically capturing are “search unlisted
CIVILIAN SECURITY SERVEILLANCE the public records of all sorts and phone number”, re-
DOES OUR GOVERNMENT STAND? combining them following a free market verse phone numbers
Governments have increasingly been requested philosophy. This is done also by others and search, list of calls
by their citizens to find “fair information prac- done by many entrepreneurs, who furnish made, search possible
tices” and with these they are supposed to me- reports to buyers with the widest variety girlfriends/boyfriends,
diate between different interests. The difficulty of special interests. roommates, spouses,
always seems to be what is fair? For instance a company called IBIKA offers the mail, mail forwarding addresses.
The American Health, Education and Welfare following in their sales literature: “background • So-called Privacy Advocates have had to
Organization tries to distinguish where privacy checks are a good start to get to know some- accept the proliferation of information and
should be protected. It says “administrative one. Just about anything you would like to know the uncanny ability of computers to quickly
records are considered public. Intelligence re- about someone could be archived somewhere and inexpensively search and sort so that
cords are considered secret. And statitistical re- unknown by someone, i.e. People Search on the these services can be marketed and
cords must be anonymous.” They also say trans- Internet. Whether it’s a personal or business offered. Not only in the USA, but in
fer of data from one type of record to another relationship, people need to be secure about practically every western democracy,
should take place only under controlled condi- the people they enter into relationships with! Canada, Australia, UK.
tions. This is very difficult to apply in practice Even in the workplace, the value of background • The EU is the only governmental
and it has really become tacitly accepted that checks is undisputed. Background checks can organization that has effectively set
organizations exchange information.
The fourth amendment to the Bill of Rights and BANK X, N.A.
Privacy Statement for your Account
American Constitution at least, in theory, aims
Our Commitment to You
to protect the citizen from “the unreasonable BANK X, N.A. (“BANK X”), is proud to be part of a financial services organization that has been providing superior products and services to its customers
search and seizure of persons, houses, papers
for more than a century. We greatly appreciate the trust that you and millions of other customers have placed in us, and we protect that trust by respect-
ing your privacy even if our relationship with you ends.
and effects”.
This Privacy Statement illustrates our commitment to your privacy and explains our privacy practices so you can make an informed decision about whom
you allow us to share your information with in order to offer you additional products and service. Although most customers enjoy receiving offers and
• In 1928, the Supreme Court, in its own
information about additional products and services, if you prefer that we don’t share your information for marketing purposes we will respect your choice.
Olmstead decision allowed unauthorized
Types of Information We Collect
It is important for you to know that in order to ensure that our customers get the very best service and the highest quality products, BANK X collects
monitoring of phone conversations as not
demographic information (such as your name and address) and credit information (such as information related to your accounts with us and others) This
information comes either directly from you, for instance, from your application and transactions on your account; or it may come from an outside source
violating the amendment.
such as your credit bureau report. In addition, if you visit our Internet website, we may collect certain information about your Internet usage. Gathering
this information helps us to identify our customers and manage our customer relationships. It also assists us in the development of products and ser-
• By Watergate and the 1960’s Civil Right vices to meet the continuing needs of our customers.
Movements higher protections were, again,
(Note how helpful they are!)
practiced in the mood of distrust of the
How We Share Information with Companies Affiliated with Us
government.
From time to time, for general business purposes such as fraud control, or when we think it may benefit you, we share certain information with other
companies within our corporate family (i.e., Affiliates). These companies all provide financial services such as banking, consumer finance, insurance,
• In 1970 congress passed the Privacy Act mortgage, and brokerage services. Some examples include companies doing business under the names BankXY®, Bank®, or BANK X. We may also
share certain information with non-financial service providers that become our Affiliates in the future (such as travel, auto and shopping clubs). The
which provided that federal agencies may information we share might come from you application, such as your name, address, telephone number, social security number, and e-mail address.
Also, the information we share could include your transactions with us or our Affiliates (such as your account balance, payment history, and parties to the
keep records only as necessary to achieve transaction), your Internet usage, or credit card usage. Except for Vermont residents, the information we share with our Affiliates may also include your
agency goals and that individuals who
assets, income or credit reports which we collect from the sources described above. With this information, our Affiliates can determine if the products
they specialize in, such as mortgages, automobile loans and insurance, may be of benefit to you.
wanted to challenge such records could
(Now you are selling me!—but the list keeps growing!)
do so and if successful could have
How We Share Information Outside the BANK X Family
corrections made.
Except for California and Vermont residents, we also may share information with companies outside our corporate family (i.e., non-Affiliates) that are
able to extend special offers we feel might be of value to you. These companies may be financial services providers (such as mortgage bankers or
• FISA (Foreign Intelligence Surveillance Act) insurance product providers) or they may be non-financial companies (such as retailers or marketing companies). These offers are typically for products
and services that you might not otherwise hear about. The information we may provide them comes from the sources described above and might include
determined that a secret court would have your name, address and phone number.
to give warrants for wire-taps but those
For California and Vermont residents, applicable law requires us to obtain your permission in order to share your information in this way, and we have
chosen not to share your information in this way.
needed not to be revealed to the targets of
(Lucky Californians and Vermonters protected by their State. But if we don’t play by BANK X rules—BANK X doesn’t want
investigation. Generally speaking, however, to play at all! It’s their sandbox!)
they hardly ever refused permission and Privacy and Security on the Internet
Our website offers you the opportunity to view your current account information and make payments online, in addition to providing general information
this became somewhat of a rubber stamp
about our company and products. You may view our Privacy Statement when you visit our website by clicking on the “Privacy Statement” link.
operation.
We reserve the right to change our privacy practices at any time in accordance with applicable law. Notice of such changes will be provided if required
by applicable law.
• 9/11 brought the Patriot Act and an
(BANK X certainly wants to use what is legal—outside of California and Vermont.)
aroused nation permitted almost every
Information Sharing with Non-Affiliates (Other than Saks Fifth Avenue)
invasion of privacy to help with the battle If you do not want us to share your non-public personal information with non-Affiliates (unless we are permitted or required by law to do so), you will
also need to let us know by simply calling us at 1-888-BANKX (outside the U.S. and Canada call BANK X collect). We will be happy to comply with your
against terrorism. request. Your request to opt-out will only apply to the BANK X, N.A. private label account(s) that you designate in your request. If you have previously
informed us of your preference, you do not need to do so again. Please understand that your request may exclude you from receiving valuable offers in
• National Security could and would excuse the future. An opt-out request by any party on a joint account will apply to all parties on the joint account. Opt-out requests will not apply to information
any government abuse and because of the
sharing that is permitted by law. California and Vermont residents are automatically opted out from information sharing with non-Affiliates.
secrecy attending to the execution of such
(Of course you’d better opt-out with them, but how many organizations must we search out. The owness and the work is
on us!)
practices they remained basically under the
*“Affiliates” are companies that are related to us by common ownership or corporate control. Our Affiliates include BankXY®, Bankl®, BANK X Automo-
radar of even civil libertarians or unfriendly tive Finance Corporation, BANK X Insurance Services, and BANK X companies such as BANK X Bank USA, and BANK X Mortgage Corporation.
columnists.
(Of course they might take over a few more organizations without watching the financial pages consistently?)
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