The document is headed "Online Privacy Policy" and states "Last Updated January 2020". It gives no earlier version or revision history. The CCPA section later in the document states an effective date of January 1, 2020.
Details
What it covers
Stride Bank Online Privacy Policy
When
last updated January 2020
Supporting quotations
Online Privacy Policy
Last Updated January 2020
Qualifications & exceptions
The stated update month is January 2020; the document does not give a day.
Not stated here
Whether this is the first version or a revision of an earlier policy is not stated.
Legal Rights & Agreement Rules · Context
A separate Privacy Notice applies to financial products
The notice says other privacy policies may apply in addition. If you inquire about, apply for, or have a financial product or service with Stride Bank, it directs you to its Privacy Notice, which applies to U.S. customers and consumers as described in that notice. The text does not say which document controls if the two differ.
Details
Condition
if you inquire about, apply for, or have a financial product or service with us
What it covers
separate Privacy Notice for U.S. customers and consumers
Supporting quotations
Other privacy policies may apply in addition to the terms of this notice. If you inquire about, apply for, or have a financial product or service with us, please review our Privacy Notice, which applies to U.S. customers and consumers as described in that notice.
Qualifications & exceptions
The separate Privacy Notice applies to U.S. customers and consumers as described in that notice.
Other privacy policies may apply in addition to this notice.
Not stated here
The separate Privacy Notice is not part of this saved source; its terms are not supplied or analyzed here.
Which notice controls in a conflict is not stated.
Legal Rights & Agreement Rules · Context
Federal law gives a right to limit some sharing
The notice states that financial companies choose how they share personal information, that federal law gives consumers the right to limit some but not all sharing, and that federal law requires the bank to tell consumers how it collects, shares and protects personal information. It does not name the federal law or describe which sharing can be limited.
Details
Who
federal law
What it covers
consumers' right to limit some but not all sharing
Supporting quotations
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.
Qualifications & exceptions
The right described is to limit some but not all sharing.
Not stated here
The federal law is not named.
Which sharing is limitable is not stated in the document.
Legal Rights & Agreement Rules · Context
Other websites reached from the Sites have their own policies
The Sites may contain links to other websites or refer visitors to them. Those sites may be operated by affiliated companies or by unaffiliated third parties. Once a visitor leaves the Sites and accesses another website, that website's privacy and security policies apply.
Details
What it covers
other websites operated by affiliates or unaffiliated third parties
Condition
once you leave our Sites and access another website
What it does
subject to that website's privacy and security policies
Supporting quotations
For your convenience, our Sites may contain links to other websites, or may refer you to other websites.
Those other sites may be operated by other companies affiliated with us or by third party companies not affiliated with us.
Once you leave our Sites and access another website, you should be aware that you are subject to the privacy and security policies of that website.
Qualifications & exceptions
The statement covers sites reached by a link or referral from the Sites.
Not stated here
The notice does not identify the linked sites or their policies.
Legal Rights & Agreement Rules · Restriction or exception
Sites and Apps are not intended for children under 13
The notice says the Sites and Apps are not intended for children under 13 and asks those under 13 not to access or use them. It says that by using the Sites or Apps, a user affirms being over the age of 13. It refers to the Children's Online Privacy Protection Act (COPPA) and directs readers to the FTC website. The notice uses both "under the age of 13" and "over the age of 13"; a person exactly 13 falls between those formulations, and the notice does not resolve that.
Details
Condition
under 13 years of age
What it does
do not access or use
What it covers
COPPA information at the FTC website
Supporting quotations
Our Sites and our Apps are not intended for children under the age of 13.
Please do not access or use our Sites or our Apps if you are under 13 years of age.
By using our Sites or using our Apps, you affirm that you are over the age of 13.
For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.
Qualifications & exceptions
The stated age threshold is 13.
The affirmation is stated as a consequence of using the Sites or Apps.
Not stated here
What the bank does if a child under 13 uses the Sites or Apps, including how it handles that child's data, is not stated.
Legal Rights & Agreement Rules · Company practice
Bank may amend the notice without prior notice; posting makes changes effective
Stride Bank may add to, delete from, or otherwise amend and update this Online Privacy Notice from time to time without prior notice as applicable by law. Changes are effective immediately upon posting of the updated notice. The date of last update appears at the beginning of the notice. Use of the Sites and mobile applications after an update indicates acceptance of the most current version. This section calls the document "this Online Privacy Notice" and "this Privacy Notice", while the title is "Online Privacy Policy"; the notice does not explain the difference, and it separately refers to a different "Privacy Notice" for financial products.
Details
Who
Stride Bank
What it does
add to, delete from, or otherwise amend and update
Condition
without prior notice as applicable by law
When
effective immediately upon posting
Supporting quotations
We may add to, delete from, or otherwise amend and update this Online Privacy Notice from time to time without prior notice as applicable by law. Changes will be effective immediately upon posting of the updated Privacy Notice.
The date of last update is provided at the beginning of this Privacy Notice. Use of our Sites and mobile applications after an update indicates acceptance of the most current version.
Qualifications & exceptions
"Without prior notice" is qualified by "as applicable by law".
Changes are effective immediately upon posting.
Continued use after an update is stated to indicate acceptance of the most current version.
Not stated here
The notice does not describe any other way users are told of changes.
Whether prior notice is required by applicable law is not stated.
The difference between "Online Privacy Policy", "Online Privacy Notice" and "Privacy Notice" is not explained.
Legal Rights & Agreement Rules · Procedure
Privacy questions go to a phone number or the bank website
The notice says that if you have any questions, you can call 1-800-229-7497 or go to www.stridebank.com.
Details
What it does
call 1-800-229-7497 or go to www.stridebank.com
What it covers
questions
Supporting quotations
If you have any questions, please call us at 1-800-229-7497 or go to www.stridebank.com.
Qualifications & exceptions
The section gives a phone number and the bank's website.
Not stated here
No email address is given in this Questions section; other sections give additional contact routes for specific requests.
Legal Rights & Agreement Rules · Procedure
Nevada residents: notice gives the Nevada Attorney General contact
The notice says Nevada law requires it to provide contact information for the Bureau of Consumer Protection, Office of the Nevada Attorney General: 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; phone 702-486-3132; email agInfo@ag.nv.gov. The Nevada section states no separate Nevada opt-out procedure.
Details
Where
Nevada
What it does
provide contact information
What it covers
Bureau of Consumer Protection, Office of the Nevada Attorney General
Supporting quotations
Nevada law requires that we provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486- 3132; email: agInfo@ag.nv.gov
Qualifications & exceptions
The section provides contact information only.
Not stated here
The notice does not describe a Nevada-specific request or opt-out process.
Legal Rights & Agreement Rules · User right or choice
California residents: CCPA rights to know, delete and opt out of sale
Effective January 1, 2020, the notice says the California Consumer Privacy Act (CCPA) permits California residents to ask a covered business which categories and pieces of personal information it collects and how the information is used; to request deletion of the information; and to opt out of the sale of such information, if applicable. The same paragraph states that these provisions of the CCPA do not apply to personal information collected, processed, shared, or disclosed by financial institutions pursuant to federal law.
Details
Where
California
When
effective January 1, 2020
What it covers
categories and pieces of personal information, deletion, and opt-out of sale
Exception
CCPA provisions do not apply to personal information handled by financial institutions pursuant to federal law
Supporting quotations
Effective January 1, 2020, the California Consumer Privacy Act (CCPA) permits consumers who are California residents to (a) ask a covered business which categories and pieces of personal information it collects and how the information is used; (b) request deletion of the information; and (c) opt out of the sale of such information, if applicable.
These provisions of the CCPA do not apply to personal information collected, processed, shared, or disclosed by financial institutions pursuant to federal law.
Qualifications & exceptions
The rights are described as effective January 1, 2020.
The sale opt-out is qualified by "if applicable".
The same paragraph states that the CCPA provisions do not apply to personal information handled by financial institutions pursuant to federal law.
Not stated here
The notice does not identify which of its data or activities fall within the federal-law carve-out.
Legal Rights & Agreement Rules · Restriction or exception
CCPA provisions are stated not to apply to financial-institution data under federal law
The notice states that the CCPA provisions it describes do not apply to personal information collected, processed, shared, or disclosed by financial institutions pursuant to federal law. The notice does not identify which of its processing it treats as pursuant to federal law, so the practical reach of the described CCPA rights is not stated.
Details
Who
financial institutions
Condition
pursuant to federal law
What it covers
personal information collected, processed, shared, or disclosed
What it does
CCPA provisions do not apply
Supporting quotations
These provisions of the CCPA do not apply to personal information collected, processed, shared, or disclosed by financial institutions pursuant to federal law.
Qualifications & exceptions
The carve-out is stated for financial institutions acting pursuant to federal law.
Not stated here
Which processing the bank treats as pursuant to federal law is not stated.
How a California resident can tell whether the carve-out applies to their information is not stated.
Cross-references
exception to (model-proposed): California residents: CCPA rights to know, delete and opt out of sale — The same CCPA paragraph states that the described provisions do not apply to personal information handled by financial institutions pursuant to federal law, so the carve-out limits the rights card.
Only the California resident or a person registered with the California Secretary of State whom the resident authorizes may make a verifiable consumer request about the resident's personal information. A resident may also make a request on behalf of a minor child. A resident may make a request to know or delete personal information twice within a 12-month period.
Details
Who
California resident or authorized agent registered with the California Secretary of State
What it covers
verifiable consumer request
Condition
twice within a 12-month period for know or delete requests
Exception
request on behalf of a minor child
Supporting quotations
Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.
You may also make a verifiable consumer request on behalf of your minor child.
You may make a verifiable consumer request to know or delete personal information twice within a 12-month period.
Qualifications & exceptions
An authorized agent must be registered with the California Secretary of State.
The twice-per-12-month limit is stated for requests to know or delete.
Not stated here
The notice does not describe how authorization of an agent is documented.
Legal Rights & Agreement Rules · Company commitment
CCPA responses: 45 days, up to 90 with written notice
Stride Bank says it endeavors to respond to a verifiable consumer request within 45 days of receipt. If it requires more time, up to 90 days, it will inform the requester of the reason and extension period in writing. Any disclosures will cover only the preceding 12-month period. The response will explain the reasons the bank cannot comply, if applicable.
Details
When
45 days; up to 90 days with written notice
What it does
respond to a verifiable consumer request
What it covers
disclosures covering the preceding 12-month period
Supporting quotations
We endeavor to respond to a verifiable consumer request within 45 days of its receipt.
If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.
Any disclosures we provide will only cover the preceding 12-month period.
The response we provide will also explain the reasons we cannot comply with a request, if applicable.
Qualifications & exceptions
The 45-day period is stated as an endeavor, not a guarantee.
The 90-day extension requires written notice of the reason and extension period.
Disclosures cover only the preceding 12-month period.
Not stated here
The notice does not state what happens if the bank does not respond within the stated period.
Legal Rights & Agreement Rules · Company commitment
Right-to-know disclosures are provided in a portable format
For right-to-know requests, Stride Bank says it will select a format to provide personal information that is readily useable and should allow the requester to transmit the information from one entity to another without hindrance.
Details
What it does
select a format
What it covers
personal information provided for right-to-know requests
Why
readily useable and transmittable from one entity to another without hindrance
Supporting quotations
For right to know requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
Qualifications & exceptions
The format statement applies to right-to-know requests.
Legal Rights & Agreement Rules · Company commitment
CCPA requests are free unless excessive, repetitive or unfounded
Stride Bank does not charge a fee to process or respond to a verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If it determines that a request warrants a fee, it will tell the requester why and provide a cost estimate before completing the request.
Details
What it does
do not charge a fee
What it covers
verifiable consumer request
Exception
excessive, repetitive, or manifestly unfounded
Supporting quotations
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded.
If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Qualifications & exceptions
The no-fee rule has three stated exceptions: excessive, repetitive, or manifestly unfounded requests.
A cost estimate is provided before the request is completed.
CCPA requests can be made by phone, mail, web form or email
For questions about CCPA compliance, the notice gives phone 1-800-229-7497 and a mailing address: Stride Bank N.A., PO Box 3448, Enid, OK 73702-3448. California residents may also submit a CCPA request online at https://stridebank.com/sft1172/ccpa-web-form.pdf or print and email it to privacyrequests@stridebank.com. The linked web form itself is not part of this saved document.
Details
What it does
submit a CCPA request
What it covers
phone, mail, online form, or email
Where
California
Supporting quotations
To contact us with questions about our compliance with the CCPA, call 1-800-229- 7497; or write to: Stride Bank N.A., PO Box 3448, Enid, OK 73702-3448.
California Residents may also submit their CCPA request online at https://stridebank.com/sft1172/ccpa-web-form.pdf or print and email their CCPA request to privacyrequests@stridebank.com.
Qualifications & exceptions
The online route is a linked PDF form; the form's contents are not in this document.
Not stated here
The form's contents and any additional requirements are not supplied here.
The notice does not say how requests sent by different routes are processed.