Link to Privacy Disclosure Notice

UmbrellaBank is dedicated to making your online banking experiences with us the most rewarding and satisfying available. We provide our customers with the highest level of customer service and convenience by continuing to utilize the latest technological innovations. We recognize, however, that privacy and security of personal financial information may also be a concern as a result of using this technology. 

If you ever have any questions or concerns other than those listed below, you are encouraged to contact us at privacy@umbrellabank.com. All other inquiries should be directed to our customer service center. 

Maintaining Accurate Customer Information

It is in the best interest of both you and UmbrellaBank to maintain complete, up-to-date, and accurate records regarding your non-public personal and financial information. Our systems and internal controls are monitored and tested on a regular basis to verify the integrity of the non-public personal and financial data we maintain and process on your behalf. If we are made aware of any inaccurate information, we have procedures in place to correct this information. Please notify us immediately if you believe our records are incorrect or out-of-date. We will investigate the situation and, when appropriate, update our records accordingly.

Collection, Use and Retention of Personal Information

In an effort to provide you with the most secure and current banking opportunities, UmbrellaBank may collect and retain non-public personal information provided by you during the application, information request, or survey process. Non-public personal information may also be collected through the submission of secure online banking transactions or use of online financial planning tools. 

Online Banking and Account Application

During the Online Application process, we collect non-public personal information in order to evaluate your request to open an account. Such information is maintained and reviewed through automated and manual processes, in order to protect you --- we must identify, distinguish, and verify all information submitted during the Online Application process to prevent unauthorized individuals from using or accessing your non-public personal information. Information received and transmitted during your Online Banking sessions is also retained on our systems in order to service your account(s). Please also review our Security policies and procedures. 

Customer Service

Our high standards of customer service include maintaining your written and electronic correspondence. Your letters, including the post-mark and mailing address, are filed in a secure location, and the content of e-mail inquiries, including your e-mail address and our responses, may be retained to support UmbrellaBank management's efforts to monitor and review communications. UmbrellaBank uses this information to handle further questions you may have or provide necessary follow-up assistance; to review our success in properly addressing your questions or concerns; and to ensure compliance with internal policies and procedures. 

When we contract with other organizations not affiliated or controlled by us to provide account maintenance and servicing functions on our behalf, these outside agents, third party product providers, or account processing providers agree to safeguard customer information in accordance with this Privacy Policy, and must abide by applicable law. 

We may also gather information through the use of cookies in order to make your online experience easier, more personalized and, thus, more convenient. Use this link to learn more about cookies. 

Financial Planning Tools

If you use any of the financial tools, calculators or questionnaires on our website, you will provide some level of personal and financial information. This information will only be used by UmbrellaBank to provide you with services you have requested or are likely to be interested in now or in the future.

General 

UmbrellaBank collects information on its visitors in order to:

• Identify you and your products and services to prevent access by unauthorized persons 
• Administer and service your records, accounts and funds 
• Implement security measures and fight fraud for your continued protection 
• Comply with certain laws and regulations 
• Improve the content of our website for your future visits 
• Customize the content and/or layout of our pages for each individual consumer (such as myumbrellabank.com users), or 
• Notify you of special promotions, updates to our website, or additional products and services that may be of interest to you. 

Please be assured that non-public personal information will not be collected, used or retained unless UmbrellaBank has a specific business purpose, to protect your accounts and transactions, comply with federal banking regulations, or help us better understand your financial needs. If, for any reason, you would like to be taken off our mailing list, contact us at UmbrellaBank.com, P.O. Box 101448, Birmingham, AL 35210. Please also review our Privacy Frequently Asked Questions.

Limited Employee Access to Information

UmbrellaBank permits only authorized employees, who are trained in the proper handling of customer information and have a legitimate business need, to access that information. Each employee has been made aware of his or her responsibilities to safeguard your personal information, and employees are continuously reminded of the importance of confidentiality and personal privacy. Whenever we hire other organizations to provide support services, we require them to conform to our privacy standards and to allow us to audit them for compliance. Our goal is to ensure that customer privacy is respected at all times.

Disclosure of Information to Third Parties

UmbrellaBank has a strict policy that prohibits the selling or providing of personal information to third parties for independent use. We may, however, in the normal course of business, make information available to UmbrellaBank affiliates and business partners if the information is needed to fulfill an authorized service, requested by you, such as opening a new deposit account, applying for a Visa Debit Card or Credit Card, Home Equity Loan, or Mortgage, or providing you with additional products and services. We may also exchange information with reputable reference sources or reporting agencies for credit reporting, risk management, and verification, in order to maximize the accuracy and security of your personal information. Only information needed to conduct your banking business or protect against fraud will be used or provided, in accordance with standard banking industry practice, unless we are required or allowed to do so by law.

Monitoring Policies 

UmbrellaBank continues to monitor and review the privacy measures it has in place to protect customer information. These measures are updated as practices change and new technology becomes available. Please periodically check this page for updates to our Privacy Policy. 


Special Notice for UmbrellaBank Credit Card Customers

UmbrellaBank Credit Card holders may have their name, address and certain other account information shared with reputable corporations whose valuable products or services may be of interest to you. Any sharing or use of information will be made under conditions designed to safeguard the privacy of the information. We may also provide or use information from how you use your credit card in order to provide you with offers we think you will enjoy. If you would rather not have this information disclosed and transaction information used by others, please write to us at:

UmbrellaBank.com, BankCard Services, P.O. Box 101448, Birmingham, AL 35210

Please include your name as it appears on your card, complete address and account number.