EN
US Virgin Island
Puerto Rico
| WHAT DOES ORIENTAL DO WITH YOUR PERSONAL INFORMATION | |
|---|---|
| Why |
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do. |
| What? |
The types of personal information we collect, and share depend on the product or service you have with us. This information can include:
|
| How? |
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons ORIENTAL chooses to share; and whether you can limit this sharing. |
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect, and share depend on the product or service you have with us. This information can include:
- Social Security number
- Income
- Account balances, account transactions and payment history
- Credit history and credit scores
- Assets and investment experience
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons ORIENTAL chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Oriental share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes - to offer our products and services | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates' everyday business purposes – information about your transactions and experiences | Yes | No |
| For our affiliates' everyday business purposes - information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For our non-affiliates to market to you | No | We don't share |
- Visit us online www.orientalbank.com and access the Chat enter the word Privacy;
- Mail the form below to DataIntegrity@orientalbank.com, or
- Send the form below by regular mail to the address included therein.
Please note
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice to you. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
| WHO WE ARE | |
|---|---|
| Who is providing this notice? |
OFG Bancorp, Oriental Bank, Oriental Financial Services, LLC and Oriental Insurance LLC. |
OFG Bancorp, Oriental Bank, Oriental Financial Services, LLC and Oriental Insurance LLC.
| What we do | |
|---|---|
| How does ORIENTAL protect my personal information? |
|
| How does ORIENTAL collect my personal information? |
We collect your personal information, for example, when you:
We also collect your personal information from others, such as credit bureau, affiliates, or other companies. |
| Why can't I limit all sharing? |
Federal law gives you the right to limit only:
|
| What happens when I limit sharing for an account I hold jointly with someone else? |
Your choices will apply to everyone on your account – unless you tell us otherwise. |
- To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
- We have policies and procedures to limit employee access to those employees that require access to such confidential information for business reason or to comply with federal and local laws.
We collect your personal information, for example, when you:
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or debit card
- Seek financial advice
- Provide your mortgage information
We also collect your personal information from others, such as credit bureau, affiliates, or other companies.
Federal law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes – information about your creditworthiness
- Affiliates from using your information to market products and services to you
- Sharing for non-affiliates to market non-affiliates’ products and services to you
Your choices will apply to everyone on your account – unless you tell us otherwise.
| Definitions | |
|---|---|
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with OFG Bancorp such as Oriental Bank, Oriental Financial Services LLC, Oriental Insurance LLC, and OFG USA LLC. |
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies. |
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include:
|
Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with OFG Bancorp such as Oriental Bank, Oriental Financial Services LLC, Oriental Insurance LLC, and OFG USA LLC.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include:
- Credit Cards Companies
- Marketing Companies
- Insurance Companies
Disclosures
Reviewed: May 2024