在线 隐私政策

网站条款及细则
有关如何使用我们的在线网站的指导方针，请参阅我们的 网站上.

儿童在线隐私保护法案
遵守儿童在线隐私保护法, we don’t allow children under the age of 13 to open personal accounts online or use online banking, 除非是和成年人的联名账户. 他们仍然可以自己在分行开户. 要了解更多关于儿童在线隐私保护法案(COPPA)，请访问 联邦贸易委员会.org.

我们不出售16岁以下消费者的个人信息. Consumers between the ages of 13-16 must opt-in to the sale or sharing of their personal information. 在选择加入后，他们可以随时选择退出. We do not sell or share the personal information of consumers under the age of 13 without parental or guardian consent.

Patelco可能会与第三方分享您的个人信息, 例如附属机构或第三方服务提供商, for the purpose of providing you with products or 服务 you asked for or completing a transaction you instructed Patelco to complete.

尽管如此, 您可以要求选择退出共享或出售您的个人信息.

• 共享或出售是企业履行法律义务的必要条件, 提供您所要求的产品或服务, 行使法律要求或权利, 或为法律主张辩护;
• Transfer to a service provider is necessary for Patelco’s business purpose; or
• 这些信息是公开可用的信息, 某些医疗信息, 消费者信用报告信息, 或其他不受CCPA约束的信息.

饼干
当您访问或与我们的网站互动时, 服务, 应用程序, 工具或消息传递, 我们(或我们授权的服务提供商)可能会使用cookie, 网络信标, 和其他类似的存储信息的技术，以帮助您提供更好的, 快, 更安全的体验, 也是为了我们自己的营销目的. We do not use cookies or other technologies to facilitate other companies marketing to you.

This section is designed to help you understand more about these technologies and our use of them on our sites and in our 服务, 应用程序, 和工具. 下面是一些你应该知道的太阳集团平台使用这些技术的关键事情的总结.

我们的cookie(以及类似的技术)具有不同的功能. 它们要么是我们服务运作所必需的 (such as signing in to online banking, 完成申请, 等.), 来帮助我们提高我们的表现, 为您提供额外的功能, 或者帮助我们为您提供我们自己的产品和服务的相关和有针对性的广告. We do not use cookies or other technologies to facilitate other companies marketing their products. We use cookies and similar technologies that only remain on your device for as long as you keep your browser active (session cookies) as well as cookies and similar technologies that remain on your device for a longer period (persistent cookies).如果您的设备允许，您可以自由地阻止、删除或禁用这些cookie. You can manage your cookies and your cookie preferences in your browser and/or device settings.

在可能的情况下, security measures are set in place to prevent unauthorized access to our cookies and similar technologies. A unique identifier ensures that only we and/or our authorized service providers have access to cookie data.

服务提供商是在业务的各个方面帮助我们的公司, 比如现场操作, 服务, 应用程序, 广告和工具. We use some authorized service providers to help us to serve you relevant ads on our 服务 and other places on the internet. These service providers may also place cookies on your device via our 服务 (third party cookies). 他们还可能收集有助于识别您的设备的信息, 例如ip地址或其他唯一或设备标识符. We do not use cookies or other technologies to facilitate other companies marketing to you – only for our own marketing of our own products and 服务.

什么是cookie、网络信标和类似的技术? 像大多数网站一样, 我们使用的技术本质上是放在你电脑上的小数据文件, 平板电脑, 移动电话, or other devices (referred to collectively as a “device”) that allow us to record certain pieces of information whenever you visit or interact with our sites, 服务, 应用程序, 消息传递, 和工具.

cookie的具体名称和类型, 网络信标, 我们使用的其他类似技术可能会不时发生变化. In order to help you better understand this policy and our use of such technologies we have provided the following limited terminology and definitions:

饼干 are small text files (typically made up of letters and numbers) placed in the memory of your browser or device when you visit a website or view a message. cookie允许网站识别特定的设备或浏览器. 有几种类型的饼干:

• Session cookies expire at the end of your browser session and allow us to link your actions during that particular browser session.
• 持久cookie在浏览器会话之间存储在您的设备上, 允许我们在多个网站上记住您的偏好或操作.
• 第一方cookie是由您访问的网站设置的.
• 第三方cookie是由独立于您正在访问的网站的第三方网站设置的.

饼干 can be disabled or removed by tools that are available in most commercial browsers. The preferences for each browser you use will need to be set separately and different browsers offer different functionality and options.

网络信标 are small graphic images (also known as “pixel tags” or “clear GIFs”) that may be included on our sites, 服务, 应用程序, 消息传递, 和工具, 这通常与cookie一起工作，以识别我们的用户和用户行为.

Technologies that store information in your browser or device utilizing local shared objects or local storage, 比如flash cookie, HTML 5 cookies, 以及其他web应用软件的方法. 这些技术可以在所有浏览器上运行, and in some instances may not be fully managed by your browser and may require management directly through your installed 应用程序 or device. We do not use these technologies for storing information to target advertising to you on or off our sites.

We may use the terms “cookies” or “similar technologies” interchangeably in our policies to refer to all technologies that we may use to store data in your browser or device or that collect information or help us identify you in the manner described above.

我们为什么要用饼干? 我们的cookie和类似的技术具有不同的功能. 它们要么是我们服务运作所必需的, 帮助我们提高我们的表现, 给你额外的功能, 或者帮助我们为您提供相关和有针对性的广告. 我们同时使用会话和持久cookie以及类似的技术. We do not use cookies or other technologies to facilitate other companies marketing to you – only for our own marketing of our own products and 服务.

一般, 这些技术允许我们的网站, 服务, 应用程序, 和工具 to store relevant information in your browser or device and later read that information in order to identify your device to our servers or internal systems. 在适用情况下, we protect our cookies and other similar technologies to help ensure that only we and/or our authorized service providers can interpret them by assigning them a unique identifier that is designed for interpretation only by us.

1. 至关重要的. 我们可能会使用cookie, 网络信标, 或我们网站运营所必需的其他类似技术, 服务, 应用程序, 和工具. 这包括允许您访问我们网站的技术, 服务, 应用程序, 和工具; that are required to identify irregular site behavior, prevent fraudulent activity and improve security; or that allow you to make use of our functions such as shopping-carts, 保存的搜索, 或类似的功能;
2. 绩效. 我们可能会使用cookie, 网络信标, 或其他类似的技术来评估我们网站的性能, 应用程序, 服务, 和工具, including as part of our analytic practices to help us understand how our visitors use our websites, 确定您是否与我们的信息进行了互动, 确定是否查看了项目或链接, 或改善我们的网站内容, 应用程序, 服务, 或工具;
3. Functionality-related. 我们可能会使用cookie, 网络信标, or other similar technologies that allow us to offer you enhanced functionality when accessing or using our sites, 服务, 应用程序, 或工具. This may include identifying you when you sign into our sites or keeping track of your specified preferences, 利益, 或过去浏览的项目，以便我们可以改善我们网站上的内容呈现;
4. 广告或目标相关.  我们可能会使用第一方或第三方cookie和网络信标来提供内容, 包括与你的兴趣相关的广告, 在我们的网站或第三方网站上.  This includes using technologies to understand the usefulness to you of the advertisements and content that have been delivered to you, 比如你是否点击了某个广告.