Category: Uncategorised
Privacy Policy.

We Are Committed to Protecting the Privacy of Your Personal Information.

Effective Date: June 14, 2016

EnerBank USA (referred to in this Privacy Statement as “EnerBank,” we, our or us) is committed to protecting the privacy of our users' personal information. To better protect your privacy, we have instituted the security and privacy practices outlined in this Privacy Statement (“Statement”). This Statement applies to  including the features, applications, and functionality available via our website whether accessed via computer, mobile device or otherwise (collectively, the “Site”), and explains how EnerBank uses, collects, and shares information from or about you when you visit the Site.  This Statement applies solely to information that visitors provide through our Site and describes the types of information EnerBank collects from visitors to the Site and what we do with this information. 

Agreement to Statement

By using this Site, you consent to this Statement, including your consent to our use and disclosure of information about you in the manner described in this Statement. 

Information Collected

When you visit our Site, we may collect the IP address of the device (e.g. computer, mobile device, etc.) you use to connect to the Internet. Additionally, we may gather information such as the browser you’re using, the type of operating system you have, and which site you came from. This is done to help us enhance your experience, to alert you of any possible software compatibility issues as well as help us tailor your online experience to best match your device.

In addition to the above mentioned information, we may also gather personal information that you provide to us, including but not limited to your name, address, phone number and email address.  Such information may be gathered, for example, when you use the site to apply for and/or use EnerBank’s banking products and services.

Collection of the above mentioned information allows us to offer online experiences and products that we believe may help you with your financial needs.

Use of Information Collected

When you provide information to us through our Site, we may share your personal information with service providers to perform services on your behalf. Additionally, we use collected information for purposes as allowed by law such as: servicing; communicating with you; improving our products, services or Site; legal compliance; risk control; information security; anti-fraud purposes; marketing or the presentation of our products and services to you; tracking website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our Site.

Use of Cookies

Cookies are pieces of data stored on your device.  Browser cookies are assigned by a web server to the browser on your device.  We use cookies and information gathered through their use to improve your online experience such as offering you more relevant services and products and tracking statistical information about navigation to and throughout certain areas of our site which we use to continually improve the design and functionality for a better experience.  The cookie is not used to obtain your name or any personal data, and the information that is tracked is used only for internal purposes, such as to improve site navigation and to measure the effectiveness of our site. However, if you prefer not to accept cookies, you can set your browser to reject them or to alert you before one is placed.  (Please see your browser’s instructions for deleting or disabling cookies.)

Information Security

We have policies and procedures restricting access to nonpublic personal information about you to those employees and service providers who have a need to know such information (e.g., to process your transactions). We and our service providers have implemented and maintain physical, electronic, and procedural safeguards designed to protect against loss or unauthorized access, disclosure, alteration or destruction of the information you provide on our Site.

Third Party Links

We may choose to reference links in our content to other websites (including blogs, articles and other web sites) controlled by third parties who are not affiliated with EnerBank (Third-Party Sites). These Third-Party Sites may not follow our same privacy, security, or accessibility standards.  We are not associated with the Third-Party Sites and are not responsible for, or endorse or guarantee, the content, websites, products, services or operations of the Third-Party Sites.  EnerBank does not guarantee and is not responsible for the privacy or security of third party websites linking to our website nor the accuracy and completeness of the information they may provide. EnerBank is not responsible for how these Third-Party Sites collect information. 

Protecting Children’s Privacy Online

The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide any of their personal information through the Site.  We do not knowingly collect information from children under 13 without obtaining verifiable consent from their parents.  Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). 

Updates to this Statement

If we make updates to this Online Privacy Statement, we will update the Policy with changes and revise the “date of most recent update” posted at the top of this Statement.   Any updates to the Policy become effective when we post the updates on the Site.  Your use of the Site following the update to the Policy will constitute acceptance of the revised Online Privacy Statement.

Click here for a copy of the Privacy Policy that the Bank provides to its loan customers.