Welcome to Chinatrust Bank (U.S.A.)

Chinatrust Bank U.S.A. values your trust and respects your expectation of privacy. As such, we are committed to maintaining the confidentiality of your personal financial information. Personally identifiable information is:

Any information that you provide to us to obtain a financial product or service from us.
Information about you resulting from any transaction involving a financial product or service between you and us
Or information that we otherwise obtain in connection with providing a financial product or service to you.

Throughout this document we refer to this information as nonpublic personal information. This document outlines our privacy practice for visitors to our web site, as well as for consumers who have a continuing relationship with us, such as a deposit account, loan, or safe deposit box.
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Visitors to Our Web Site. Visitors to our web site remain anonymous, unless they register for a service or otherwise elect to disclose their identity to us. Although we do not collect personally identifying information about persons who simply visit our site, we do collect certain limited information about visitors, such as their IP address (a numeric address assigned automatically to computers when they access the Internet). We also may place “cookies” on a computer to track a visitor's use of our web site. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us to customize our site and make its navigation easier for you. We sometimes use cookies to help estimate the number of visitors to our site and to determine which areas are the most popular. Unless you register with us for a service (such as our Online Banking service), the cookie does not provide us with any personally identifying information about you, such as your name or address.

Our Collection and Use of Information. We may collect nonpublic personal information about you in order to understand your needs, administer our business, process transactions, and provide you with products and services. We obtain nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms (such as name, street address, email address, phone number, social security number, date of birth, assets, income, and beneficiaries)
Information about your transactions with us, our affiliates, or others (such as your account balance, payment history, parties to transactions, and credit usage)
Information we receive from a consumer reporting agency (such as your creditworthiness and credit history)

Our Disclosure of Nonpublic Personal Information. We may disclose information we collect, as described above, to other financial institutions with whom we have joint marketing agreements, such as securities broker-dealers, insurance agents, and card issuers, so that they can market goods and services to you. We will not disclose account numbers, and/or credit related information obtained in a credit report or provided in a credit application.
We also may disclose:

Some of this information, such as your name and address, to companies that perform marketing services on our behalf (e.g., to companies that assist us with mailings).
Information about your accounts and transactions:
- Where it is necessary or helpful to effect, process or confirm your transactions
- To verify the existence, history and condition of your account for credit reporting agencies
- To comply with legal process, such as subpoenas and court orders
- To law enforcement authorities if we believe a crime has been committed
- If you give us your consent

We do not disclose nonpublic personal information about our current or former customers to unaffiliated third parties except as set forth in this notice or as permitted by law.

State Rights. Depending on where you live, you may have additional privacy protections under some state laws. For example, certain state laws may restrict the types of information we may disclose about you, limit the parties with whom we may share such information, or require us to provide you with additional notices or opt-out rights. We will comply with applicable state laws before sharing non-public personal information about you. We may do this by sending a separate notice of those rights to you.

Maintaining Accurate Information. We have procedures that help us to maintain the accuracy of the personally identifiable information that we collect. If you believe that our information about you is incomplete, out-of-date, or incorrect, please:

Write us at:
Chinatrust Bank U.S.A.
Attn: Compliance Department
22939 Hawthorne Boulevard
Torrance, CA 90505
-or-
Contact your Branch of account

If you are an Online Banking customer, you may review information about yourself by visiting our website at www.chinatrustusa.com. If you have a change in your address and/or telephone number you can make the change online under “Other Services” after you log into the Online Banking system. For a name change, social security number change, or change in a Passport, you have to contact the Branch where your account or loan is held.

To protect your privacy, please do not provide your account number or other sensitive personal information in an email to us. Email is not secure.

Information Security. We restrict access to nonpublic personal information about you to those employees who have a need to know such information (e.g., to process your transactions or provide services to you). We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Links to Other Web Sites. Our web site may feature links to third party web sites that offer goods, services or information. Some of these sites may appear as windows-within-windows at this site. When you click on one of these links, you will be leaving our site and will no longer be subject to this policy. We are not responsible for the information collection practices of the other web sites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.

Services and Advertisements by Third Parties. Third parties may offer services from time to time at our web site. If you provide them with information, their use of that information will be subject to their privacy policy, if any, and will not be subject to this policy. If you accept third party goods or services advertised at our web site, the third party may be able to identify that you have a relationship with us (e.g., if the offer was only made through our site).

Minors. We feel strongly about protecting the privacy of children and teenagers. As such, we do not knowingly collect personally identifiable information from minors through our web site.

Changes to this Policy. We may add to, delete from, or otherwise change the terms of this Privacy Statement from time to time by posting a notice of the change (or an amended Privacy Statement) at this website. If required by law, we will send you a notice of the change. Your continued use of our web site or any on-line service following notification will constitute your agreement to the revised Privacy Statement.

Questions. If you have any questions regarding this Privacy Statement, you can call us at (888) 889-8409 or write to us at Chinatrust Bank U.S.A., Attn: Compliance Department, 22939 Hawthorne Boulevard, Torrance, CA 90505-7600.