Privacy Policy

Information We Collect

We collect information you choose to give us through this site's tools, and a limited amount of technical information collected automatically as part of operating and securing the site.

• Contact form (/contact): the name, email address, phone number, and message you provide.
• CECL & ACL Readiness Assessment (/cecl-acl-assessment): if you choose to send us your results, your name, email address, institution, phone number, and your assessment answers and score.
• Ask PBC chat assistant: the messages you type are sent to our AI infrastructure provider to generate a response. We do not ask the assistant to collect personal information, and we ask that you not share any beyond what you'd put in a normal question.
• Technical information collected automatically for security and operation, such as your general IP-based location, browser type, and pages visited, through our hosting and bot-protection provider's standard logs.

What We Do Not Collect

We do not knowingly collect confidential customer, account, examination, or supervisory information through this website, and we ask that you not include it in any message, assessment submission, or chat conversation. If you need to share information of that sensitivity, please do so through the secure channels established once we're engaged, not this website.

How We Use Information

We use the information above to respond to your inquiry, deliver assessment results, schedule a consultation, operate and improve this website and its tools, detect and prevent fraud or abuse, and maintain reasonable business records of prospective and existing client relationships. We do not use information submitted through this site to train third-party AI models beyond the ordinary, momentary processing needed to generate a chat response, and we do not sell your personal information.

Cookies & Analytics

This site uses one necessary cookie, set by Cloudflare Turnstile, to verify that a visitor submitting our contact form or assessment tool is not a bot; the site cannot accept form submissions without it. We also use Cloudflare Web Analytics to understand aggregate traffic to this site, such as which pages are visited and how often; it does not use cookies and does not track you across other websites. With your permission, we also use Google Analytics 4, a web analytics service provided by Google, to measure and improve the site. Google Analytics is off by default and loads only if you turn on the Analytics category in our cookie preferences. When enabled, it sets cookies in your browser and receives your IP address and information about your visit, such as pages viewed, approximate location, and device and browser type; Google Analytics 4 does not log or store IP addresses. We use this data only to understand and improve the site, not for advertising, and we do not use advertising cookies of any kind or sell or share your information for cross-context behavioral advertising. You can change your choice at any time using the "Cookie Preferences" link in the site footer, and you can also opt out of Google Analytics across all sites with Google's browser add-on at https://tools.google.com/dlpage/gaoptout. Learn how Google uses data from sites that use its services at https://policies.google.com/technologies/partner-sites.

Sharing of Information

We do not sell or rent your personal information. We share it only with the following categories of service providers, solely to operate this website and respond to you, and as required by law or valid legal process.

• Our website hosting, content delivery, and bot-protection provider, which also processes messages sent to the Ask PBC chat assistant to generate a response.
• Our email delivery provider, used to route contact form and assessment submissions to our team.
• Professional advisors (such as our accountants or legal counsel) on a confidential, as-needed basis.

Where Information Is Processed

This website and the service providers above operate in the United States. If you are visiting from outside the United States, understand that any information you submit will be processed and stored here.

Data Retention & Security

We retain contact and assessment information only as long as necessary to respond to you, maintain reasonable business records, and comply with legal or regulatory obligations, after which we delete or de-identify it. This site is served entirely over encrypted HTTPS connections, and we use reasonable administrative and technical safeguards — including access controls and our bot-protection provider's security tooling — appropriate to the sensitivity of the information involved. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Children's Privacy

This website is intended for banking, credit union, and financial services professionals, and is not directed to children. We do not knowingly collect personal information from anyone under 16. If you believe a child has provided us information, contact us and we will delete it.

Your Privacy Rights & Choices

Regardless of where you live, you may ask us to access, correct, or delete personal information you've submitted through this site, or to stop contacting you, at any time using the contact information below. Because we do not sell personal information or use it for cross-context behavioral advertising, there is no sale or sharing to opt out of under state privacy laws such as the California Consumer Privacy Act, but you're welcome to contact us with any privacy question regardless.

Changes to This Policy

We may update this policy from time to time as our website and practices evolve. Any changes will be reflected on this page along with a revised Effective Date; if a change is material, we will make that clear on this page.

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