Privacy Policy

Onpoint Financial Corporation ("Onpoint") is committed to protecting the privacy of users of its World Wide Web site. At Onpoint, we intend to give you as much control as possible over your personal information, including registration data, if required. As part of the normal operation of the Onpoint site, we collect information from you. This Privacy Statement describes the information we collect about you and how that information may be used.

Information Gathered through the Onpoint site

Onpoint will track the domains from which people visit the Onpoint site in order to gain aggregate data that may be analyzed for trends and statistics. Subject to the provisions of this Privacy Policy, Onpoint may use accumulated aggregate data for several purposes including, but not limited to, marketing analysis, evaluation of Onpoint's services, and business planning.

Onpoint may conduct surveys or other studies of its user base and usage for marketing and planning purposes. Participation in such surveys is at the user's option. With respect to information collected from such surveys or studies, and in the event that responses are to be publicly disclosed, users will be notified at the time they take the survey and Onpoint will disclose only aggregate information regarding its users and not personal information identifying any specific individual. Notwithstanding the foregoing, in cases where surveys allow users to submit written comments, and where Onpoint advises users of the possibility of such disclosure at the time they take the survey, Onpoint reserves the right to disclose text information provided by any user through such a survey, provided that no personal information identifying that user is disclosed. Circumstances under which Onpoint would publicly disclose aggregate information include, but are not limited to, sharing survey results with the site population, providing data to Onpoint advertisers on user preferences and/or demographics, business planning, and publicizing overall usage data in press communications.

Cookies

Onpoint employs "cookies" to provide users with tailored information. A "cookie" is an element of data that a Web site, when visited by a user, sends to that user's browser which, in turn, may store that element on the user's hard drive or memory. Onpoint uses cookies to better serve users of Onpoint site. Any cookies sent by Onpoint will be marked so that they will be accessible only by Onpoint site subject to this Privacy Statement. However, at the user's option and at the user's sole expense and responsibility, any user may block or delete Onpoint cookies from the user's hard drive or memory. However, by disabling cookies, certain site features and functionality may no longer work properly, or at all.

Other Notification

In order to implement or enforce the Terms of Use, Onpoint may use user-provided email addresses to contact users on an individual basis. At no time, unless such disclosure is required by law, a governmental agency, or specifically authorized by the user, will Onpoint disclose individual user personal information to unrelated third parties that is not publicly available.

Links with other sites

The Onpoint site may contain links to other Web sites, whether owned or controlled by Onpoint or its affiliates, or unrelated third parties. Please note that the privacy policies of these sites may differ from those of the Onpoint site. Onpoint is not responsible for the privacy policies and practices of any linked Web site. We encourage you to read the privacy statement of any Web site you may visit.


Choice

"Opt-in" Emails

Users may "opt-in" to receive site notifications, newsletters, or other information via email. Users may remove themselves from such services at their discretion. Any email sent to an "opt-in" list will include directions for how a user may remove himself or herself from the list, or a URL where the user may find such directions.

Security

To secure site integrity, Onpoint employs measures, including but not limited to security audits, use of encryption tools and software, and other reasonable security measures and procedures.

Internal access to users' private and nonpublic personal information is restricted to site administrators and individuals on a need-to-know basis.

Enforcement

In the event that Onpoint becomes aware that site security is compromised or nonpublic user information has been disclosed to unrelated third parties as a result of external activity, including but not limited to external security attacks, Onpoint shall take reasonable measures which it deems appropriate, including but not limited to internal investigation and reporting, and notification to and cooperation with law enforcement authorities, notwithstanding other provisions of this Privacy Statement.

If Onpoint becomes aware that a user's personal information provided to Onpoint has been disclosed in a manner not in accordance with this Privacy Policy, Onpoint shall make reasonable efforts to notify the affected user, as soon as reasonably possible and as permitted by law, of what information has been disclosed, to the extent that Onpoint knows this information.

No Guarantees For Factors Beyond Onpoint's Control

While this Privacy Policy expresses Onpoint's standards for maintenance of private data, it is not in a position to guarantee that the standards will always be met. There may be factors beyond Onpoint's control (e.g., "script kiddies", "crackers" and other "malcontents") that may result in disclosure of data. As a consequence, Onpoint disclaims any warranties or representations relating to maintenance or nondisclosure of private information.