Privacy

FACTS	WHAT DOES BANESCO USA 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 Transaction history Account balances Credit scores Payment history Checking account information 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 Banesco USA chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Banesco USA 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	No	We don’t share
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 786-552-0551 or go to customerservice@banescousa.com

What We Do
How does Banesco USA 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 information about you to those employees who need to know what information to provide products or services to you.
How does Banesco USA collect my personal information?	We collect your personal information, for example, when you Open an account Give us your contact information Apply for a loan Make a wire transfer Use your credit or debit card We also collect your personal information from others, such as credit bureaus or other entities.
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 non-financial companies. Our affiliates include companies with a common corporate identity. They are Banesco Banco Universal C.A., Banesco S.A., and Banesco BM. It also includes insurance companies Banesco Seguros C.A. and Banesco Seguros S.A.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.