If you have any financial product or service with us, including a Nirvana Membership , we will use and share any Non-Public Information (“NPI”) as defined by the Gramm-Leach-Bliley Act (“GLBA”) that we collect from or about you related to your use of that product or service in accordance with our Privacy Notice.
Furthermore, you acknowledge that the use of any credit card or deposit account offered by Coastal Community Bank, Member FDIC (“Coastal”), through Nirvana (a “Nirvana Membership”) is governed by the Account and Cardholder Agreement that is provided to you. View the Coastal Community Bank Privacy Notice.
What Information Do We Collect and How Do We Use the Information?
The information we gather enables us to personalize, improve, and continue to operate the Nirvana Services. Below we describe in more detail the type of information we collect and how we use it.
Bank Account Information:
Sources of Personal Information:
If you sign-up for a Nirvana Membership or otherwise provide your contact information to us, including during the application process whether that application is approved or declined, you will provide us with Personal Information that may include your name, username, password, email address, home address, and phone number. By providing us with your phone number, you authorize us to contact you via text message (SMS) at that phone number, and you thereby consent to the receipt of such messages. You may opt-out of receiving most of these messages at any time by sending us a request at firstname.lastname@example.org. You acknowledge that opting out of receiving text messages may impact your use of the Nirvana Services. More generally, we may use your contact information to send you messages about the Nirvana Services. You may unsubscribe from some of these messages through your Account settings, although we reserve the right to contact you when we believe it is necessary, such as for account recovery purposes or suspected fraud. In addition, as part of the Nirvana Membership application process, you may be asked to provide additional information such as your social security number, date of birth, address and annual income. Information obtained through the application process is transmitted to Third Parties to verify your identity and to access your credit report.
Payment and Transaction Information:
Web Browser Information:
We automatically receive and record information from your web browser when you go on our website, including your IP address and cookie information. We use this information to fight fraud (including spam or malware) and also to analyze your interaction with the Nirvana Services (e.g., what links you click on).Generally, the Nirvana Services automatically collect usage information, such as the number and frequency of visits to the Nirvana Services. We may use this data in aggregate form, but not in a manner that would identify you personally. This type of aggregate data enables us and third parties authorized by us to determine how often individuals use parts of the Nirvana Services so that we can analyze and improve those services.
Email, SMS, and Push Notification Communications:
We may communicate with you about our products and services using email, SMS or other text messages (collectively, “Text Messages”) or push notifications. When we communicate with you via email, Text Message, or push notifications, we may collect information regarding such communications, such as confirmation when you open an email, read a text message, or receive a push notification. We use this information to operate and improve our customer service and other Nirvana Services. Some services such as near real-time alerts require notifications to be enabled. If at any time you do not wish to receive the benefit of such services, you can turn off notifications using the functionality made available in the browser, application, or device settings.
Information We Receive from Third Parties:
We may collect information about you from third parties that perform services and analytics for us. Such companies may include credit bureaus, data providers, fraud detection services, and data analytics providers., as well as certain of our Third Party Service Providers and their partners.
Information We Receive from Browsers:
Information Related to Advertising and the Use of Web Beacons; Interest-Based Advertisements:
Aggregate and De-identified Information:
We collect statistical information about both unregistered and registered users that is not Personal Information and cannot be tied back to you, your Account or your web browser (“Aggregate and De-identified Information”). Some of this information is derived from Personal Information. We may use Aggregate and De-identified Information for various business purposes where permissible under applicable laws and regulations, including for analytics or to develop or improve our services and marketing. We may share this Aggregate and De-identified Information with Third Party Service Providers for their business purposes. Third Party Service Providers may also share with us non-private, aggregated, or otherwise non-Personal Information about you that they have independently developed or acquired. We may also use and share Aggregate and De-identified Information for research, including research conducted by government entities, non-profit entities, and academic institutions. This may involve publishing findings or combining Aggregate and De-identified Information with other data sets, but such information will not be shared in a way that allows you or any other person to be personally identified.
How, and With Whom, Is My Information Shared?
Information Disclosed for Our Everyday Business Purposes:
We share information about you for our everyday business purposes, such as to process your application, assist in underwriting, process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.
Information Disclosed for Our Marketing Purposes:
We share information about you for our marketing purposes to offer products and services to you.
Information Disclosed Pursuant to Business Transfers:
If we decide to buy or sell assets, user information is typically one of the transferred business assets. Moreover, if we (or substantially all of our assets) were acquired, or if we go out of business or enter bankruptcy, user information would be one of the assets that may be transferred or acquired by a third party. Any acquirer of us or our assets may continue to use your Personal Information as set forth in and in accordance with this policy.
Information Disclosed for Our Protection and the Protection of Others:
Information We Share With Your Consent:
Is Information About Me Secure?
We protect your personal information from unauthorized access and use by maintaining physical, electronic, and procedural safeguards in compliance with applicable law. These measures include computer safeguards and secured files and buildings. We authorize our employees to access your information only when they need it to do their work, and we require companies that work for us to protect your information. However, we cannot guarantee the security of any information. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time.
What Information of Mine Can I Access?
If you are a registered user, you can view information associated with your Account by logging into your Account. In addition, you can access and delete cookies through your web browser settings, as detailed above.