TERMS OF USE
THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.
This website has been established by the Bank for the sole purpose of conveying information about the Bank's products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank's agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank's agreements and disclosures, the agreements and disclosures will control.
From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.
The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.
The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate, however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site.
This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.
This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.
PRIVACY POLICY
Revised: May 1, 2022
WHAT DOES BRILLIANT BANK DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Social Security number and income
Account balances and payment history
Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Brilliant Bank chooses to share; and whether you can limit this sharing.
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION
FOR OUR EVERYDAY BUSINESS PURPOSES:
Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.
Does Brilliant Bank share this information? Yes.
Can you limit this sharing? No.
FOR OUR MARKETING PURPOSES:
To offer our products and services to you.
Does Brilliant Bank share this information? Yes.
Can you limit this sharing? No.
FOR JOINT MARKETING WITH OTHER FINANCIAL COMPANIES
Does Brilliant Bank share this information? Yes.
Can you limit this sharing? No.
FOR OUR AFFILIATES' EVERYDAY BUSINESS TRANSACTIONS:
Information about your transactions and experiences
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Does Brilliant Bank share this information? Yes.
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Can you limit this sharing? No.
Information about your creditworthiness
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Does Brilliant Bank share this information? No.
Brilliant Bank does not share information with our affiliates and nonaffiliates for the purposes of marketing to you.
HOW DOES BRILLIANT BANK PROTECT MY INFORMATION?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Third parties who access personal information are required by contract to use the information only for the specific authorized purpose and further protect the personal information from unauthorized access.
HOW DOES BRILLIANT BANK COLLECT MY PERSONAL INFORMATION?
We collect your personal information, for example, when you:
Open an account or deposit money
Pay your bills or apply for a loan
Use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
WHY CAN'T I LIMIT ALL SHARING?
Federal law gives you the right to limit only:
Sharing for affiliates' everyday business purposes
Information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
DEFINITIONS
AFFILIATES
Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as Equity Bank
NONAFFILIATES
Companies not related by common ownership or control. They can be financial and nonfinancial companies. Brilliant Bank does not share with nonaffiliates so they can market to you.
JOINT MARKETING
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial service companies, credit card companies, investment firms, insurance companies, and prepaid card companies.
OTHER IMPORTANT INFORMATION
For Alaska, Illinois, Maryland, and North Dakota Customers. We will not share personal information with non‑affiliates wither for them to market to you or for joint marketing – without your authorization.
For California Customers. We will not share personal information with non‑affiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi, and New Jersey Customers. We will not share personal information from deposit or share relationships with non‑affiliates either for them to market to you or for joint marketing-without your authorization.
For Vermont Customers. We will not share personal information with non‑affiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.