Privacy Policy

At Advantage Federal, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our banking services, websites, mobile applications, and other services (collectively, the "Services"). Please read this Privacy Policy carefully. By accessing or using our Services, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our Services. This policy applies to information we collect: - On our websites and mobile applications - In email, text, and other electronic messages between you and our Services - Through banking transactions and account activities - When you interact with our advertising and applications on third-party websites and services

We collect several types of information from and about users of our Services: 1. Personal Information: This includes information that can be used to identify you, such as: - Name, address, email address, phone number - Social Security number, date of birth, government-issued identification - Financial information, account numbers, payment card information - Employment information and income details 2. Transaction Information: Details about your transactions with us and our affiliates, including: - Account balances and transaction history - Payment history and credit usage - Investment activity and portfolio information 3. Technical Information: Information about your internet connection, the equipment you use to access our Services, and usage details, including: - IP address, browser type, and operating system - Device information and mobile network information - Website navigation paths and page interaction information 4. Location Information: Information about your location when using our mobile applications or website, if you enable location services.

We use the information we collect about you or that you provide to us for various business purposes, including: 1. Providing Services: To present our Services and their contents to you, process transactions, maintain your accounts, and provide customer support. 2. Communication: To communicate with you about your accounts, transactions, and updates to our Services. This includes sending you important notices, such as communications about purchases and changes to our terms, conditions, and policies. 3. Security: To protect against fraudulent, unauthorized, or illegal activity, and to protect the rights and safety of our customers, ourselves, and others. 4. Personalization: To personalize your experience and deliver content and product offerings relevant to your interests, including targeted offers and ads through our Services, third-party sites, and via email or text message. 5. Legal Compliance: To comply with legal obligations, respond to legal process, and exercise our legal rights. 6. Improvement: To improve our Services, develop new products and services, and conduct research and analysis. We will not use your personal information for purposes inconsistent with this Privacy Policy without first notifying you and, where required by law, obtaining your consent.

We may share your personal information with: 1. Service Providers: We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf and require access to such information to do that work. Examples include payment processing, data analysis, email delivery, hosting services, customer service, and marketing efforts. 2. Business Partners: We may share your information with our business partners to offer you certain products, services, or promotions. 3. Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy. 4. Legal Requirements: We may disclose your information where we believe it is necessary to comply with applicable law, governmental requests, judicial proceedings, court orders, or legal process. 5. Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company. 6. With Your Consent: We may disclose your personal information for any other purpose with your consent. We require all third parties to respect the security of your personal information and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal information for their own purposes and only permit them to process your personal information for specified purposes and in accordance with our instructions.

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Services, you are responsible for keeping this password confidential. Our security measures include: 1. Encryption: We use encryption technology to protect sensitive information transmitted online and at rest. 2. Access Controls: We limit access to your personal information to those employees, agents, contractors, and other third parties who have a business need to know. 3. Security Training: We provide regular security awareness training to our employees. 4. Monitoring: We monitor our systems for possible vulnerabilities and attacks. 5. Physical Security: We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Services. Any transmission of personal information is at your own risk.

Depending on your location and subject to applicable law, you may have the following rights regarding your personal information: 1. Access: The right to request access to the personal information we hold about you. 2. Correction: The right to request that we correct any inaccurate or incomplete personal information we hold about you. 3. Deletion: The right to request that we delete or remove personal information where there is no good reason for us to continue processing it. 4. Objection: The right to object to our processing of your personal information where we are relying on a legitimate interest and there is something about your particular situation that makes you want to object to processing on this ground. 5. Restriction: The right to request that we restrict the processing of your personal information in certain circumstances. 6. Portability: The right to request the transfer of your personal information to you or to a third party in a structured, commonly used, machine-readable format. 7. Withdraw Consent: Where we are relying on consent to process your personal information, the right to withdraw that consent at any time. To exercise any of these rights, please contact us using the details provided in the "Contact Us" section. We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal information (or to exercise any of your other rights).

We use cookies and similar tracking technologies to track activity on our Services and hold certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier. Types of cookies we use: 1. Essential Cookies: Required for the operation of our Services. They include, for example, cookies that enable you to log into secure areas of our Services. 2. Analytical/Performance Cookies: Allow us to recognize and count the number of visitors and see how visitors move around our Services. This helps us improve the way our Services work. 3. Functionality Cookies: Used to recognize you when you return to our Services. This enables us to personalize our content for you and remember your preferences. 4. Targeting Cookies: Record your visit to our Services, the pages you visit, and the links you follow. We will use this information to make our Services and the advertising displayed on them more relevant to your interests. You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of our Services may become inaccessible or not function properly.

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy. We will also notify you of any material changes either through a notice on our website, via email, or through other reasonable means as required by law. Material changes will be effective 30 days after such notice is provided. Non-material changes will be effective immediately upon posting. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. If you do not agree to the changes, you should discontinue your use of our Services before the changes become effective. Your continued use of our Services after any changes to the Privacy Policy constitutes your acceptance of the revised policy.