Privacy Policy 

Effective date: February 19, 2019 

Stern Bank (“us”, “we”, or “our”) operates the www.sternbank.com website (the “Service”). By using our website, you hereby consent to our Privacy Policy. We use your data to provide and improve the Service.  

At Stern Bank, accessible from www.sternbank.com, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by Stern Bank and how we use it. 

Types of Data Collected 

Personal 

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to: 

  • Email address 
  • First name and last name 
  • Phone number 
  • Address, State, ZIP, City 
  • Cookies and Usage Data 

Usage 

We may also collect information how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data. 

Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on Stern Bank, which are sent directly to users’ browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit. 

Cookies 

Like any other website, Stern Bank uses ‘cookies’. These cookies are used to store information including visitors’ preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users’ experience by customizing our web page content based on visitors’ browser type and/or other information. 

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers’ respective websites.  

Log Files 

Stern Bank follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services’ analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users’ movement on the website, and gathering demographic information.
 

Use of Data 

Stern Bank uses the collected data for various purposes: 

  • To provide and maintain the Service 
  • To notify you about changes to our Service 
  • To allow you to participate in interactive features of our Service when you choose to do so 
  • To provide customer care and support 
  • To provide analysis or valuable information so that we can improve the Service 
  • To monitor the usage of the Service 
  • To detect, prevent and address technical issues
     

Transfer of Data 

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. 

If you are located outside Puerto Rico and choose to provide information to us, please note that we transfer the data, including Personal Data, to Puerto Rico and process it there. 

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. 

Stern Bank will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information. 

Disclosure of Data 

Legal Requirements 

Stern Bank may disclose your Personal Data in the good faith belief that such action is necessary to: 

  • To comply with a legal obligation 
  • To protect and defend the rights or property of Stern Bank 
  • To prevent or investigate possible wrongdoing in connection with the Service 
  • To protect the personal safety of users of the Service or the public 
  • To protect against legal liability 

Security of Data 

The security of your data is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security. 

Service Providers 

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used. 

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose. Note that Stern Bank has no access to or control over these cookies that are used by third-party advertisers. 

We may use third-party Service Providers to monitor and analyze the use of our Service. 

Links to Other Sites 

Our Service may contain links to other sites that are not operated by us. If you click on a thirdparty link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. 

We have no control over and assume no responsibility for the content, privacy policies or practices of any thirdparty sites or services. 

Children’s Privacy 

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity. 

Stern Bank does not knowingly collect any Personal Identifiable Information from children under the age of 18. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records. 

Changes to This Privacy Policy 

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. 

Contact Us
If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us through email at info@sternbank.com or you may contact us at +1-787-506-4646.