Privacy Policy
Your privacy matters. This policy describes how Bellwick National Bank collects, uses, and protects your personal information.
Bellwick National Bank ("Bellwick," "we," "us," or "our") is committed to protecting the privacy of our customers and website visitors. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you use our banking services, visit our website at bellwicknational.com, or interact with us through our mobile applications or branch locations.
This policy is provided in accordance with the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and other applicable federal and state privacy laws. By using our services, you acknowledge that you have read and understood this policy.
1. Information We Collect
We collect information necessary to provide you with banking products and services. This includes:
Personal Identification Information
Full name, date of birth, Social Security number, government-issued identification numbers, residential and mailing addresses, email addresses, and telephone numbers.
Financial Information
Account numbers, transaction history, account balances, credit history, income information, employment details, and tax identification numbers. This information is collected when you open accounts, apply for credit, or conduct transactions.
Technical and Usage Data
IP addresses, browser type, device identifiers, operating system, pages visited, click patterns, session duration, and referral URLs when you access our website or mobile applications.
Biometric Information
If you enable biometric authentication (Face ID, Touch ID, or fingerprint), this data is processed locally on your device and is never transmitted to or stored on Bellwick servers.
2. How We Use Your Information
We use the information we collect for the following purposes:
- •Account Management: To open, maintain, and service your accounts, process transactions, and provide customer support.
- •Identity Verification: To verify your identity when you open accounts, apply for credit, or contact us, as required by the USA PATRIOT Act and Bank Secrecy Act.
- •Fraud Prevention: To detect, investigate, and prevent fraudulent or unauthorized activity on your accounts and across our systems.
- •Legal Compliance: To comply with applicable laws, regulations, and regulatory requests, including anti-money laundering requirements.
- •Product Improvement: To analyze usage patterns, improve our products and services, and develop new features and offerings.
- •Communications: To send account notifications, security alerts, service updates, and — with your consent — marketing communications about products and services that may interest you.
3. Information Sharing and Disclosure
We do not sell your personal information. We may share your information in the following limited circumstances:
- •Service Providers: With trusted third-party vendors who assist in operating our business, such as payment processors, data hosting providers, and customer service platforms. These providers are contractually obligated to protect your information.
- •Affiliates: With Bellwick National Bank affiliates and subsidiaries for purposes consistent with this policy, as permitted under the Gramm-Leach-Bliley Act.
- •Legal Requirements: When required by law, regulation, subpoena, court order, or governmental request, or to protect the rights, property, or safety of Bellwick, our customers, or the public.
- •Credit Reporting: With consumer reporting agencies as required for credit applications, account maintenance, and regulatory compliance.
- •With Your Consent: In other situations where we have obtained your explicit consent to share information.
4. Your Rights
Under the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and other applicable laws, you have the following rights:
Right to Know and Access
You have the right to request information about the categories and specific pieces of personal information we have collected about you, the purposes for collection, and the third parties with whom we share it.
Right to Deletion
You may request that we delete personal information we have collected about you, subject to certain exceptions required by law (such as regulatory retention requirements and fraud prevention).
Right to Opt Out
You may opt out of the sharing of your personal information with non-affiliated third parties for marketing purposes by contacting us or adjusting your privacy preferences in online banking. Under GLBA, you have the right to limit certain sharing of your nonpublic personal information.
Right to Non-Discrimination
We will not discriminate against you for exercising any of your privacy rights. You will not receive different pricing or a different level of service for making a privacy request.
To exercise any of these rights, please contact our Privacy Office at [email protected] or call +1 (202) 555-0300. We will respond to verified requests within 45 days.
5. Cookies and Tracking Technologies
Our website and mobile applications use cookies, web beacons, and similar technologies to:
- •Authenticate your identity and maintain your secure session
- •Remember your preferences and settings
- •Analyze site traffic and usage patterns to improve our services
- •Deliver relevant content and measure the effectiveness of communications
- •Detect and prevent fraud and unauthorized access
You can manage cookie preferences through your browser settings. Note that disabling certain cookies may affect the functionality of our online banking services. Essential cookies required for security and authentication cannot be disabled.
6. Data Security
We implement comprehensive physical, technical, and administrative safeguards to protect your personal information, including:
- •256-bit AES encryption for all data in transit and at rest
- •Multi-factor authentication for account access
- •Continuous network monitoring and intrusion detection systems
- •Regular penetration testing and vulnerability assessments
- •SOC 2 Type II certified infrastructure
- •Employee training on data protection and privacy requirements
While we take extensive measures to secure your information, no system can guarantee absolute security. We encourage you to take steps to protect your own information, including using strong passwords and enabling two-factor authentication.
7. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:
Bellwick National Bank — Privacy Office
1200 Constitution Avenue NW, Suite 800
Washington, DC 20037
Email: [email protected]
Phone: +1 (202) 555-0300
This Privacy Policy is effective January 1, 2026 and was last updated on March 15, 2026. Bellwick National Bank reserves the right to update this policy at any time. Material changes will be communicated to customers via email or notice on our website. Continued use of our services following any changes constitutes acceptance of the updated policy.