Table of Contents
PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS OF USE, PLEASE DO NOT ACCESS THIS SITE.
Welcome
Welcome to the Better by Beal website. Beal Bank, Beal Bank USA, and/or their affiliates (“Beal Bank” or the “Bank”) provide access to its website (this “Site”) and its products and services to you subject to the following Terms and Conditions of Use (the “Terms”). By accessing the Site, you consent to and agree to be bound by the Terms, including any amendments to the Terms. The Bank may revise the Terms at any time in its sole discretion, without prior notice, by updating this posting. You can review the most current version of the Terms by clicking the “Terms of Use” link at the bottom of this Site or through other forms of notice that the Bank may provide to you from time to time. In addition, by utilizing this Site, you agree to review the Terms regularly, and your continued access or use of this Site will mean that you agree to be bound by such terms contained in the most recent version of the Terms, including any changes or revisions.
General
You agree and understand that effective use of this Site may require your browser to use software plug-ins and modules, in order to correctly display content and utilize features on the Site.
Access to the Site may from time to time be unavailable, delayed, limited, or slowed due to, among other things: hardware or software failure, overload of system capabilities, loss of utilities, and/or any other cause outside the control of Beal Bank. The Bank is not responsible for any computer virus or related problems that may be associated with your use of or access to this Site or any of the Service(s) (as defined below).
Services Offered through this Site
Product offers, rates, terms, and other information provided are subject to change without notice, and may differ among geographic locations. Not all products and services are offered at all locations. Beal Bank or its affiliates’ service(s) (the “Service(s)”) available through the Site, are subject to the applicable agreement, including but not limited to the Deposit Account Agreement (“Service Agreements”) that you and Beal Bank agree to at the time of registration for the service. All products and services of Beal Bank are subject to the terms and conditions of the applicable Service Agreements governing their use.
Beal Bank may discontinue or make changes in the information, products, or Service(s) described herein at any time without prior notice to you and without any liability to you. Beal Bank reserves the right to terminate any or all Site offerings or transmissions without prior notice to the user. By offering this Site and information, products, or Service(s) via this Site, no distribution or solicitation is made by Beal Bank to any person to use this Site or such information, products, or Service(s) in jurisdictions where the provision of the Site and such information, products, or Service(s) is prohibited by law.
If you are an account owner, you may use the Site to access your account, transfer funds to and from your account, and perform other actions related to your account, provided you have created credentials and been authenticated. If these Terms conflict with your Service Agreements, including but not limited to the Deposit Account Agreement, unless specially stated otherwise in the other agreement, the other agreement will control.
Access to the Site; Restrictions on Use
The Bank restricts access to password-protected areas of the Site to authorized users only. If you are an authorized user, you are responsible for maintaining the confidentiality of your account access credentials (user name, password, and/or authenticating information). You agree to immediately notify the Bank of any unauthorized use of your account credentials or any other breach of security. The Bank is not liable for any loss or damage arising from your failure to protect the confidentiality of your account credentials or your other security lapses. Unauthorized use of the Services, misuse of passwords, or misuse of any information or material posted on the Site is strictly prohibited.
Any attempt to log on to this Site from any country under sanctions by the Office of Foreign Assets Control (“OFAC”) may result in your access being restricted and/or terminated.
You may use the Service(s), including this Site, only for lawful purposes and you agree not to use the Service(s) in any way that violates any applicable federal, state, local, or international law or regulation.
Copyrights and Trademarks
All of the pages and screens on the Bank’s websites, including this Site, are owned and controlled by Beal Bank, except as otherwise expressly stated, and are protected by U.S. copyright laws. The Better by Beal logo is a service mark of Beal Bank. Other featured words used on this Site to identify the source of goods and services are trademarks and service marks owned by Beal Bank or owned by third parties. You may not use, copy, display, distribute, modify, or reproduce any of the trademarks or service marks found on the Beal Bank websites except as authorized in this paragraph or pursuant to a written license agreement.
The works of authorship contained in this Site, including but not limited to all design, text, sound recordings, and images, are owned, except as otherwise expressly stated, by Beal Bank or ones of its affiliates. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without Beal Bank’s prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of Beal Bank’s proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.
Submissions
Beal Bank does not claim ownership of the materials you provide to Beal Bank (including feedback and suggestions) or post, upload, input, or submit to any Beal Bank website or its associated services (collectively, “Submissions”). However, by posting, uploading, inputting, providing, or submitting your Submissions, you are granting Beal Bank, its affiliated companies, and necessary sublicensees permission to use your Submissions in connection with the operation of their businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submissions. Please note that specific terms and conditions provided on the web page describing a particular feature or offer, may supersede this provision.
Privacy
We take your privacy seriously. If you have any questions regarding privacy, please read our privacy policies. The Site is hosted in the United States. In your use of this Site or Service, you may transfer certain personal information to the United States. To the extent permitted by applicable law, your use of the Site or Service shall constitute your consent to the transfer of personal information to the United States and the applicability of United States law.
Linked Sites
Beal Bank may provide you links to websites maintained by third parties. Beal Bank does not control such third parties and does not operate, control, or endorse in any respect any information, products, or services on such third-party websites. Your use of third-party content or purchase of third-party products or services is at your own risk. Links to non-Beal Bank websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information, or services offered at such sites, or any representation regarding the content at such sites. If you choose to link to a website not controlled by Beal Bank, Beal Bank makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor does Beal Bank warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination.
NO WARRANTY
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE (INCLUDING, BUT NOT LIMITED TO, ALL TEXT, GRAPHICS, LINKS, FUNCTIONALITY, AND OTHER MATERIALS AND ITEMS) ARE PROVIDED “AS IS.” BEAL BANK DOES NOT WARRANT THE ACCURACY, ADEQUACY, TIMELINESS, OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, FITNESS FOR ANY PARTICULAR PURPOSE, AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS. NOR WILL BEAL BANK BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND BEAL BANK’S CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.
LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BEAL BANK SHALL NOT BE LIABLE TO YOU, ANY THIRD PARTY CLAIMING THROUGH YOU, OR OTHERS FOR ANY DIRECT, COMPENSATORY, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR OTHER DAMAGES OF ANY KIND ARISING OUT OF OR RELATED TO THE TERMS, THE SITE, OR THE SERVICES, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE, EVEN IF YOU OR BEAL BANK HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IF, NOTWITHSTANDING THE OTHER PROVISIONS OF THE TERMS, BEAL BANK AND OR ITS AFFILIATES SHOULD HAVE ANY LIABILITY TO YOU ARISING OUT OF OR RELATED TO THE TERMS, THE SITE, OR THE SERVICES, YOU AGREE SUCH LIABILITY FOR ANY AND ALL CLAIMS SHALL NOT EXCEED TEN DOLLARS ($10.00) PER USER IN THE AGGREGATE.
INDEMNIFICATION
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE TO RELEASE, INDEMNIFY, DEFEND, AND HOLD HARMLESS BEAL BANK and all of its direct and indirect subsidiaries, officers, directors, employees, agents, successors, and assign FROM AND AGAINST ALL LOSSES, DAMAGES, CLAIMS, LIABILITIES, EXPENSES (INCLUDING ATTORNEYS’ FEES), AND RELATED COSTS AND EXPENSES (including by law firms and forensic firms), correction or restoration of any destroyed, lost or altered data, notification to affected customers, offering and providing of credit monitoring, customers service, or other remediation services, and any related costs) BROUGHT BY ANY PERSON ARISING FROM OR RELATING TO YOUR ACCESS AND USE OF THE SITE, INCLUDING THE UNAUTHORIZED ACCESS OR USE OF THE SITE AND, WITHOUT LIMITATION, ANY CLAIMS ALLEGING FACTS THAT, IF TRUE, WOULD CONSTITUTE A BREACH BY THE USER OF THE TERMS. Beal Bank’s rights to indemnity are in additional to all other rights and remedies available at law or in equity. Any exercise by Beal Bank of its rights to indemnification shall be without prejudice to such other rights and remedies.
Enforceability and Governing Law
In the event any of the terms or provisions of the Terms shall be held unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision that comes closest to the intention underlying the unenforceable term or provision. The Terms shall be subject to any other agreements you have entered into with Beal Bank.
Beal Bank shall not be deemed to have waived any of its rights or remedies unless such waiver is in writing and signed by the Bank. No delay or failure on the Bank’s part to exercise any right or remedy shall be a waiver of that or any other right or remedy. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies in the future.
The user’s access to and use of this Site, and the Terms of this disclaimer are governed by all applicable federal laws and the laws of the State of Texas, without regard to its conflict of law principles; and the user agrees that venue shall be located in Collin County, Texas.
Cellular Phone Contact Consent
By providing us with a telephone number for a mobile device, including a number that you later convert to a mobile device number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number, about any product or services offered by Beal Bank or its affiliates and/or alerts/text messages for authorization purposes . This express consent applies to each such telephone number that you provide to us now or in the future. Calls and messages may incur access fees from your mobile services provider, including but not limited to fees for message and data rates. You understand that you need not provide this consent as a condition of obtaining goods or services from Beal Bank, and that you may decline to provide or revoke your consent at any time. Text STOP to unsubscribe from messages at any time.
Rev. April 2024
The following policy applies to Beal Bank and any other site owned and/or operated by or on behalf of Beal Bank or any of its subsidiaries or affiliates. Beal Bank is committed to protecting the privacy and security of its online visitors. This statement discloses the information gathering and dissemination practices of Beal Bank and its subsidiaries and affiliates.
When you visit our website to view any pages, read product information, or use any tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software that tracks the activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. The information we collect and store is limited to:
There are instances where you may elect to provide us with personal information. If you fill out one of our feedback or request forms or send us an e-mail, you are transmitting the information that appears in the form or the body of the message. This will typically include information like your name, mailing address, e-mail address, the kind of request you are making, and any other information necessary to fulfill your request. This is always your option; this information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly. Beal Bank will not sell or provide any personal information to third parties for any purpose including solicitation purposes.
Beal Bank aggressively works to protect its operating systems and electronic information by using anti-virus software, anti-spyware software, firewalls, and other defensive measures. Beal Bank does not make account information available online and enforces strict identification measures for customer requests over the telephone or in writing.
In order to determine levels of interest in our Certificate of Deposit, Individual Retirement Account, Money Market, and Statement Savings products, we will collect certain non-identifying information such as pages viewed, offline applications prepared and the geographical location of the website visitor. This information will be used in procedure improvement, possible product enhancement and future product development.
Should you choose to submit your application for a Certificate of Deposit account, a Money Market account, or a Statement Savings account online, you will provide your personal information needed to open your account through the Internet. In order to protect your personal privacy, your personal information is transmitted to us in a "secure session" that is established through our data security system. You may, of course, elect to send us this information offline through the mail.
Beal Bank does not send unsolicited e-mail messages or place pop-up advertisements that request personal depositor information such as your Beal Bank account number(s) or account password(s), your credit card number(s), or your Social Security number.
If you receive an e-mail requesting personal information from someone claiming to be a representative of Beal Bank, and you did not originate the message, do not respond. If you see a pop-up advertisement for Beal Bank that requests personal information, do not click the advertisement. Call Beal Bank immediately to report the contact at 877-879-2325.
In addition to the online information that you voluntarily provide to us, we may use cookies and retain cookie information separately or with the information you provide to us online. A cookie is a small piece of data assigned to the browser on your computer when you visit a website. We may use cookies for various purposes such as maintaining continuity during a session, gathering data about the use of our site, storing preferences or recognizing return users. Your web browser may alert you or permit you to refuse, disable or delete cookies. If you refuse cookies, you may not be able to use certain features or services on the site. For example cookies may be used to help complete or record a transaction or combined with your other data so that we may retain online information for your use in subsequent sessions.
Beal Bank may change this privacy statement at any time. Any changes or updates will be effective immediately upon posting to this site. The effective date of this privacy statement, as stated below, indicates the last time this statement was materially changed. Checking the effective date below allows you to determine whether there have been such changes since the last time you reviewed the statement.
For further direction regarding inquiries concerning this privacy statement, you may contact us by e-mail or telephone as described on the site.
This online privacy statement was last modified: March 8, 2019.
For full information regarding your personal information and the practices of Beal Bank and Beal Bank USA, you may download the banks' Consumer Privacy Notices at the following links:
This California Privacy Rights Act Policy and Notice (collectively, this “Policy”) is for California Residents (“consumers” or “you”) only. This Policy describes the personal information that Beal Bank, Beal Service Corporation, Beal Bank USA, MGC Mortgage, Inc., CSG Investments, Inc., CLMG Corp., and Beal Nevada Service Corporation (collectively, “we,” “our,” or “us”) collects in the course of our business operations, your customer relationship with us, and/or through your job application and employment with us. This Policy explains how such information is collected, used, shared, and disclosed, describes rights provided by the California Privacy Rights Act of 2020 (California Civil Code § 1798 et seq.) (“CPRA”) to consumers regarding their personal information, and explains how consumers can exercise those rights.
We may collect, use, or share your Personal Information (California Civil Code § 1798.140(v)(1)), including Sensitive Personal Information (as defined in California Civil Code § 1798.140(ae)). We do not and will not sell personal information for monetary consideration. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household (“personal information”). “Personal information” does not include: (1) publicly available information, such as information that is lawfully made available from federal, state, or local records, and (2) de-identified or aggregate consumer information.
With a limited exception, and as noted in other sections of this Policy, certain provisions of the CPRA do not apply to:
Certain personal information covered by or collected under industry-specific privacy laws including, but not limited to, the Health Insurance Portability and Accountability Act of 1996, the California Confidentiality of Medical Information Act, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, the California Financial Information Privacy Act, and the Driver’s Privacy Protection Act of 1994.
Where you are a business and the Personal Information or Sensitive Personal Information relates to your directors, shareholders, beneficial owners, employees, agents, associates, or family members, it is not reasonably practicable for us to provide to them the information set out in this Policy. Accordingly, where appropriate, you are responsible for providing this information to any such person.
Business or commercial purposes are defined as follows:
Categories of Personal Information and Sensitive Personal Information:
Identifiers. This may include a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
Personal Information. This may include a name, signature, physical characteristics or description, address, telephone number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
Sensitive Personal Information. This may include a Social Security number, passport number, driver’s license or state identification card number, and precise geolocation.
Characteristics of Protected Classification under California or Federal Law, including Cal. Civ. Code § 1798.80(ae). This may include age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
Commercial information. This may include records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Biometric information. This may include genetic, physiological, biological, or behavioral characteristics that can be used, singly or in combination with each other or with other identifying data, to establish your identity, including deoxyribonucleic acid (DNA), fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
Internet or other similar network activity. This may include browsing history, search history, or information on a consumer’s interaction with a website, application, or advertisement.
Geolocation data. This may include physical location, movements, or precise geolocation.
Sensory data. This may include audio, electronic, visual, thermal, olfactory, or similar information.
Professional or employment-related information. This may include current or past job history or performance evaluations.
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. § 1232g; 34 C.F.R. Part 99)). This may include education records directly related to a student maintained by an educational institution or party acting on its behalf, such as report cards, transcripts, class lists, student schedules, student identification codes, student financial information, and student disciplinary records.
Inferences drawn from other personal information. This may include information, data, assumptions, or conclusions derived from facts, evidence, or another source of information or data reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.
Categories of Sources From Which the Personal Information and Sensitive Personal Information is Collected:
Identifiers:
Personal Information:
Sensitive Personal Information:
Characteristics of Protected Classification under California or Federal Law, including Cal. Civ. Code § 1798.80(ae):
Commercial information:
Biometric information:
Internet or other similar network activity:
Geolocation data:
Sensory data:
Professional or employment-related information:
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. § 1232g; 34 C.F.R. Part 99)):
Inferences drawn from other personal information:
Business or Commercial Purpose(s) for Which the Information is Collected, Used, and/or Shared:
Identifiers:
Personal Information:
Sensitive Personal Information:
Characteristics of Protected Classification under California or Federal Law, including Cal. Civ. Code § 1798.80(ae):
Commercial information
Biometric information:
Internet or other similar network activity:
Geolocation data:
Sensory data:
Professional or employment-related information:
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. § 1232g; 34 C.F.R. Part 99)):
Inferences drawn from other personal information:
Categories of Third Parties/Service Providers With Whom we Share Personal and Sensitive Personal Information:
Identifiers:
Personal Information:
Sensitive Personal Information:
Characteristics of Protected Classification under California or Federal Law, including Cal. Civ. Code § 1798.80(ae):
Commercial information:
Biometric information:
Internet or other similar network activity:
Geolocation data:
Sensory data:
Professional or employment-related information:
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. § 1232g; 34 C.F.R. Part 99)):
Inferences drawn from other personal information:
We will retain your information as identified above, including personal and sensitive information, for each disclosed purpose for a period that is reasonably necessary and proportionate to the stated purpose or for such period as required by applicable law, regulation, or rule.
We retain personal information for as long as needed or permitted in light of the purposes for which it was obtained and consistent with applicable law. The criteria used to determine our retention periods include:
We may disclose your personal information to third parties in order to carry out specific business or commercial purposes. In the preceding 12 months, we have disclosed consumer personal information for business or commercial purposes to our service providers and the following categories of third parties:
In the last 12 months, we have disclosed the following categories of personal information (as described in more detail above) for a business or commercial purpose:
As described in more detail below, the CPRA provides you with certain rights regarding the collection, use, retention, and disclosure of your personal information.
You have the right to request that we provide you with certain information about the personal information we collect, use, or disclose about you, as well as the categories and specific pieces of information that we have collected about you in the 12 months before your submission of a verifiable consumer request. Specifically, you have the right to request the following information:
A household may request to know aggregate household personal information by submitting a verifiable consumer request. Also, if all consumers in a household jointly request access to specific pieces of information for the household, and we can individually verify all the members of the household, then we will comply with the request.
However, there is certain information that we will not disclose to you. This information includes but is not limited to your Social Security number, driver’s license number, or other government-issued identification number; financial account number; any health insurance or medical identification number; an account password; or security questions and answers. Also, we will not provide you with specific pieces of personal information if the disclosure creates a substantial, articulable, and unreasonable risk to the security of that personal information, your account with us, or the security of our systems or networks.
In certain circumstances, you have the right to limit our use of your Sensitive Personal Information to that use which is necessary to perform the services or provide the goods reasonably expected by an average consumer who requests those good or services. This right is not absolute and we have the right to refuse requests, wholly or partly, where exceptions under applicable law apply.
We have not sold consumer personal information to third parties for a business or commercial purpose in the preceding 12 months. We do not and will not sell your personal information for monetary consideration. We do not offer an opt-out from the sale of personal information because we do not engage in the sale of personal information as contemplated by the CPRA.
We are a financial institution and do not sell the personal information of minors under 16 years of age.
You have the right to request that we correct any inaccurate personal information, taking into account the nature of the personal information and the purposes of the processing of the personal information. We will use commercially reasonable efforts to correct the inaccurate personal information.
In certain circumstances, you have the right to request that we delete any personal information that we have collected from you and maintained about you. We may need to retain some of your information to: complete a transaction, prevent or detect fraud, or comply with a legal obligation. While we may not delete your information, we will always use it for a lawful purpose that aligns with what you would expect given your relationship with us.
Once we receive and confirm your verifiable consumer request, if we determine that we must comply with a deletion request and delete your personal information from our records, we will also direct any service providers we work with to also delete your personal information from their records.
A household may request the deletion of aggregate household personal information by submitting a verifiable consumer request. If all consumers in a household jointly request deletion of household personal information, and we can individually verify all the members of the household, then we will comply with the request.
Please note that we may deny your deletion request for a number of different reasons, which are identified in the CPRA.
We have not sold consumer personal information to third parties for a business or commercial purpose in the preceding 12 months. We do not and will not sell your personal information for monetary consideration. We do not offer an opt-out from the sale of personal information because we do not engage in the sale of personal information as contemplated by the CPRA.
We are a financial institution and do not sell the personal information of minors under 16 years of age.
We will verify you as follows:
If we suspect fraudulent or malicious activity related to your request, we will not comply with your request until we perform further verification to determine whether your request is authentic and you are the person about whom we have collected the personal information.
We will generally avoid requesting additional information from you to verify you. However, if we cannot verify your identity based on the information we currently maintain, we may request additional information from you, which will only be used to verify your identity and for security or fraud-prevention purposes. We will delete any new personal information we collect to verify your identity as soon as practical after processing your request unless otherwise required by the CPRA.
Generally, if we are unable to verify your identity, we will inform you of this inability and explain why we were unable to do so.
Once we receive your verifiable consumer request, we will confirm our receipt of your request within 10 days and provide you with additional information about how we will process the request. Our goal is to respond to your request within 45 days of receiving the request, beginning on the day we receive the request. However, in the event that we need more time (up to 90 days) to respond to your request, we will provide you with notice and an explanation of the reasons that we will take more than 45 days to respond. For requests to know, any personal information we provide will cover the 12-month period preceding our receipt of your verifiable consumer request. If we are unable to comply with a given request, we will provide you with a response explaining why we have not taken action on your request and identifying any rights you may have to appeal the decision.
We will not charge you to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
You may designate an authorized agent to make a request on your behalf. If you would like to use an authorized agent, which is an individual or business registered with the Secretary of State that you have authorized to act on your behalf, to submit a request, you must provide the authorized agent with written permission to do so and verify your own identity directly with us. We may deny a request from an agent that does not submit proof that they are authorized to act on your behalf.
We will not discriminate against you for exercising any of your CPRA rights. For example, unless otherwise permitted by the CPRA, we will not:
If you have any questions regarding this Policy, the ways in which we collect, use, and disclose your personal information, or how to exercise your rights under the CPRA, please do not hesitate to contact us at:
Phone: 877-879-3650
Website: www.bealbank.com or www.bealbankusa.com
Email: [email protected]
Postal Address: 6000 Legacy Dr., Plano, Texas 75024
Attn: CPRA Information Request
Persons with disabilities who need assistance accessing this Policy may contact us as provided for above, and depending on your individual needs, we will grant reasonable requests to furnish this Policy in an alternative format.
We are required by law to update this Policy at least once each year. This Policy was last updated on December 31, 2022.
Beal Bank is committed to providing a website that is accessible to our customers and continues to monitor and follow current accessibility standards and guidelines.
Since Beal Bank is always looking to improve our website accessibility and customer interface, we urge you to contact us by phone at 800-840-7075 or 469-467-5362 (8 AM – 5 PM Central time) or by email at [email protected] if you’re having any access issues. Comments and suggestions are also welcome.