Privacy Policy

SWBC respects your privacy, and takes all reasonable steps designed to ensure that the personal information you provide to us is stored and protected in a safe and responsible manner. This Privacy Policy, outlines the information that we collect through your use of our websites, whether collected online or offline, and describes our practices with respect to the personal information that we collect. This Privacy Policy applies to our website and to our other interactions with you where this disclosure is provided. Certain companies within the SWBC family may have privacy policies that are different from this one. Please review their websites for the applicable policy disclosures.

Information that we Collect

We collect information about you directly from you, from other individuals and entities, and automatically through your use of our websites. As set forth below are the categories of information we collect as applicable to the products or services you purchase, the relationships with our partners, or the electronic interfaces (Web or Phone) you engage with. During the past twelve (12) months, we may have collected the following categories of personal information:

• Identifiers: 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 similar identifiers.
• Personal Information Categories listed in the CA Customer Records Statute (Cal. Civ.Code § 1798.80(e)): Name, signature, Social Security number, address, telephone number, passport number, driver's license or state identification card number, date of birth, education, employment history, tax returns, income, credit history, credit scores, payment history, retirement account balance, retirement account number, checking and savings account balance, bank account number, credit card number, debit card number, or any financial information. Some personal Information included in the category may overlap with other categories.
• Protected Classification Characteristics under CA or federal Law: Age, race, national origin, citizenship, marital status, sex, religious or philosophical beliefs, or veteran/military status
• Commercial Information: Records of personal property, assets, rental history, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies
• Professional or Employment-related Information: Work history or employer's information
• Internet or other similar network activity: Browsing history, search history, information on a consumer's integration with a website, application, or advertisement.
• Nonpublic Education information (per the Educational Rights and Privacy Act (20 U.S.C. 1232g. 34C.F.R. Part 99)): Educational records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information.
• Sensory Data: Audio, electronic, visual, or similar information
• Biometric Information: Keystroke
• Geolocation Data: Physical location or movements
• Inferences drawn from the above listed personal information: Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities and aptitudes

How we collect your personal information

SWBC collects your personal information, for example, when you:

• Apply for a loan
• Apply to use a service
• Purchase a product
• Give us your employment history
• Give us your contact information
• Give us your income information
• Pay your bills on-line
• Provide it directly, or when we obtain it from other individuals, agents or companies acting on your behalf

Why we collect Personal Information and How we use it

The purposes for which we collect and use personal information depend on our relationship or interaction with you. If we are interacting with you on behalf of another business entity (e.g. a financial institution or commercial retailer) we will collect and use your Personal Information only as permitted by the terms governing our relationship with that business entity. Otherwise, we may use personal information for the following business purposes:

Disclosure of Personal Information to others

In the past (12) months, we may have disclosed personal information included under the categories listed above for our business purposes to:

• Respond to regulators, law enforcement and other government entities;
• Share with our affiliates and subsidiaries;
• Vendors who provide services to us;
• Entities who provide Targeted advertising services or through which we purchase target ads;
• Credit bureaus;
• In connection with a sale or transfer of all or part of our business

To provide efficient and reliable services and to improve product and service options available to you, one or more of SWBCs affiliates may be given, or given access to, your personal information. When so sharing your personal information, we adhere to applicable legal and industry standards regarding the protection of personal information. You should know that neither SWBC nor its affiliates will sell your personal information.

Data Technologies

We may collect and store information about your visit to our website. To collect this information, our web server may write a “cookie,” which is a small file, to your hard drive. We may use cookies to enhance your online experience, to facilitate your use of our website and to collect anonymous, aggregated site-visitation statistics that we can use to measure the effectiveness of, and to improve, not only our website, but our products and services. We may use standard Internet tools such as web beacons, which collect information that tracks your use of our website and enables us to customize our services and advertisements.

Log files allow SWBC to monitor, on an anonymous, collective basis, information such as:

• Internet service providers that our customers and visitors use
• Type of browsers, such as Microsoft Explorer or Mozilla Firefox that our customers and visitors use
• Internet Protocol addresses of our customers and visitors
• Traffic on our web pages and the average time spent on each page
• Number of first-time visitors and return customers to our website. This information helps us monitor our website and ensures that it is accessible to customers and visitors. This information also helps us develop content and services that offer the best value and most benefits to our customers and visitors.

Your Privacy Rights

Under certain state laws, you may have the following rights:

Right to Know:

the right to request the categories of information we collect about you.

Right to Correct:

the right to request that we correct inaccurate personal information that we maintain about you.

Right to Delete:

the right to request that we delete personal information we, or an entity acting on our behalf, collected about you.

Right to Opt-out of the Sale or Sharing of Personal Information:

We do not sell your personal information in exchange for monetary value; however, we may share your personal information for Targeted Advertising purposes if you’ve enabled the placement of Advertising Data Technologies. Complete the online form below to opt-out of the sharing of your personal information. We will not discriminate against any consumer who exercises any of their privacy rights found under this Notice by denying a good or service, charging a different price or providing a different level of quality or service.  However, we may charge a consumer a different price or rate or provide a different level or quality of goods or services to the consumer, if that difference is reasonably related to the value provided to the business by the consumer’s data. Also note that certain choices, such as disabling cookies, may prevent you from using certain features on our websites.

Children’s Online Privacy Protection Act

We do not knowingly collect information, including Personal Information, from children under the age of 13 or other individuals who are not legally able to use our Services. Please  contact us if you believe that we have mistakenly or unintentionally collected information from someone not allowed to use our Services. We do not sell to third parties for money or share Personal Information of anyone under 16 years of age for cross context behavioral advertising.

Additional Privacy Information for California Residents

Effective January 1, 2020, you will have certain rights under the California Consumer Privacy Act of 2018 (the “CCPA”), California Civil Code Section 1798.100 – 1798.199. In 2023, these rights have been expanded by the California Privacy Rights Act (“CPRA”). A description of these rights is provided below. These rights only apply to you if you reside in the State of California. Under the CPRA, “personal information” means information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, or household. This Privacy Disclosure describes the personal information that we collect from consumers and how we will use such personal information. California Consumers may have the right to request the correction or deletion of the personal information the business has collected about the consumer. The template below allows consumers to exercise their rights to know, correct or delete data SWBC collects.

Other laws may govern data we gather about you, or you provide to us including, but not limited to:

• Information to or from a consumer reporting agency if that information is to be reported in, or used to generate, a consumer report as defined by subdivision (d) of Section 1681a of Title 15 of the United States Code, and use of that information is limited by the federal Fair Credit Reporting Act (15 U.S.C. Sec. 1681 et seq.)
• Information collected, processed, sold, or disclosed pursuant to the federal Gramm–Leach–Bliley Act (Public Law 106–102), and implementing regulations, or the California Financial Information Privacy Act (Division 1.4 (commencing with Section 4050) of the Financial Code). 

Definitions:

Affiliates:

Companies related by common ownership or control. They can be financial and non-financial companies. We have affiliates and share personal information with them, Southwest Business Corporation (SWBC); SWBC Insurance Services, Inc.; SWBC Life Insurance Company; SWBC Life Insurance Agency, Inc.; Cotrak Insurance Services, Inc.; Cotrak Service Corporation; SWBC Investment Company; SWBC Investment Advisory Services, LLC; AP Account Services, LLC; SWBC Professional Employer Services; SWBC Lending Solutions, LLC; NINPRO Data, Inc., SWBC Investment Services, LLC; SWBC Mortgage Corporation; and SLIC Insurance Agency, LLC; SWBC Shareholder, LLC; APAS Shareholder, LLC; SWBC RE Fund GP, LLC; SWBC Mexico S. de R.L. de C.v.; SWBC Administrative Services Organization, LLC; SWBC Life Insurance Company, a TX Dept; 2617 Property Interests, LLC; SWBC SF Cover, LLC; SWBC Property and Casualty Insurance CO; Swivel Transactions, LLC; SWBC RE, Ltd.; SWBC Risk Solutions Limited; Magic-Wrighter, Inc.; National Collateral Protection, Inc.; Central Financial Insurance Services, Inc.; SWBC Real Estate Services, LLC.

Non-Affiliates:

Companies not related by common ownership or control. They can be financial and non-financial companies. Please note: We do not share personal information with non-affiliated third parties.

Joint marketing:

A formal agreement between non-affiliated financial companies that together market financial products or services to you. Please note: We share personal information with joint marketing partners, banking and financial institutions, mortgage service providers, insurance companies and direct marketing companies.

How to Exercise Your Privacy Rights

You may exercise your privacy request rights by:

• Mailing us at: Attn: SWBC Corporate Compliance
  9311 San Pedro Ave, Suite 600
  San Antonio, TX 78216
• Completing the online form available below

You must provide sufficient information that allows us to reasonably verify you are the person who is the subject of the rights request, or such person’s authorized representative.  Upon receiving your request, we will confirm receipt within ten (10) business days and respond to a verifiable consumer request within the timeframe and in the format required by state law.   If we are unable to honor your request, we will provide you with a written explanation of the reason(s).  You have the right to contact us in writing if you wish to appeal our decision and we will provide you with a written response.

Click here for instructions on submitting a verifiable Privacy data request.