Online Privacy

Online Privacy Policy

Last Modified:  April 29, 2019

Sun Canyon Bank, a division of Banterra Bank, respects your privacy and we are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website suncanyon.com, suncanyonbank.com or any other online service offered by Banterra Bank, as well as our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

• On this website 
• In email, text, and other electronic messages between you and this website
• Through mobile and desktop applications you download from this website, which provide dedicated non-browser-based interaction between you and this website
• When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to our website

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our website. By accessing or using this website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

If you have a consumer financial product or service with us, we will use and share information about you in accordance with our Privacy Policy. 

Our online services are intended for a US audience. If you visit or use one of our online services, your information may be processed in the US. We do not collect information through analytic cookies or similar technologies for users able to be identified as located in the European Union, its Outermost Regions, or European Free Trade Association member states (collectively “European Economic Areas or EEA”).

Children Under 13

• Our website is not intended for children under 13 years of age. No one under age 13 should provide any personal information to or on the website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this website, make any purchases through the website, use any of the interactive or public comment features of this website or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at: Sun Canyon Bank, Division of Banterra Bank, P.O. Box 291, Eldorado, IL  62930, phone - 855-423-4602.

Information Collected

Nonpublic Personal Information Collected by Sun Canyon

• This information may directly or indirectly identify particular individuals. This information may be provided through forms, surveys, applications or similar online fields. Examples may include your name, postal address, email address, telephone number, Social Security number, date of birth or account information. As part of providing online financial products or services, we may obtain Nonpublic Personal Information about our customers and other Website visitors from the following sources:
  • Information we receive from you on applications, emails, or other forms.
  • Uploaded information: When you contact us using one of our online contact forms, we collect the messages you send as well as the Nonpublic Personal Information you provide, such as your name, phone number, and email address.
  • Information about your transactions with Sun Canyon.
  • Information we receive from a consumer reporting agency.
  • Information that is generated electronically when you visit our website or use our online financial products and services.

Anonymous Information Collected by Sun Canyon and/or Service Providers

• We, as well as our Service Providers, may collect general information about you which does not directly or indirectly identify, and cannot reasonably be used to identify you. We define this information as “Anonymous Information”.  “Service Providers” is any third party provider of online services needed such as website hosting, online banking, bill payment, and account aggregation. We also engage third party providers to assist us in our online marketing and advertising programs.
• Such Anonymous Information may include:
  • The Internet address (referral site) which brought you to our website.
  • The date and time you access our website.
  • The name and version of your web browser.
  • Your internet Protocol (IP) address.
  • The pages visited in our website. 
  • The duration of your online session.
• Anonymous Information that is compiled from various sources and aggregated, but which contains no Nonpublic Personal Information is “Automatic Data Collection.”  Sun Canyon Bank and certain Service Providers use Automatic Data Collection for various business purposes, including for data analytic and marketing purposes.

Automatic Data Collection

• The technologies we use for this automatic data collection may include:
  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our website.
  • Flash Cookies. Certain features of our website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our website. Flash cookies are not managed by the same browser settings as are used for browser cookies. 
  • Web Beacons. Pages of our website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Sun Canyon, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
• The information we collect automatically helps us to improve our website and to deliver a better and more personalized service, including by enabling us to:
  • Estimate our audience size and usage patterns.
  • Store information about your preferences, allowing us to customize our website according to your individual interests.
  • Speed up your searches.
  • Recognize you when you return to our website.
  • Provide you with targeted advertising on our website and third party websites.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

• To present our website and its contents to you.
• To provide you with information, products, or services that you request from us.
• To fulfill any other purpose for which you provide it.
• To provide you with notices about your account.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
• To notify you about changes to our website or any products or services we offer or provide though it.
• To allow you to participate in interactive features on our website.
• In any other way we may describe when you provide the information.
• For any other purpose with your consent.

Disclosure of Your Information

We may disclose aggregated, anonymized information about our users without restriction.

We may disclose Personal Information that we collect or you provide as described in this Online Privacy Policy:

• To our subsidiaries and affiliates.
• To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Sun Canyon’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Sun Canyon about our website users is among the assets transferred.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• With your consent.

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• To enforce or apply our Digital Banking Agreement (included in Sun Canyon Product and Service Disclosures (will hyperlink to a PDF that we provide later; if we are not ready to promote Digital Banking at launch, we’ll have to remove this) and other agreements, including for billing and collection purposes.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Sun Canyon, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information

You have choices regarding the personal information you provide to us. We have created the following options for you for control over your information:

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
• Promotional Offers from Sun Canyon. If you do not wish to have your information used by Sun Canyon or its affiliates and subsidiaries to promote our own or third parties' products or services, you can opt-out by calling 855-423-4602 – our menu will prompt you with an option to reach Customer Care and simply notify them of your request. If we have sent you a promotional email, you may click on the opt-out link at the bottom of the email to be omitted from future marketing email distributions. This opt out does not apply to transactional communications from Sun Canyon in connection with providing services on an account.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. Information you provide to us on the website and associated mobile applications is stored on our secure servers behind firewalls. All data transmitted on our website and associated mobile applications is encrypted using TLS/SSL technology.

The safety and security of your information also depends on you. You are responsible for keeping your Suncanyon.com password and Sun Canyon Bank PIN confidential. We ask you not to share your password or PIN with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the website.

Changes To Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this online privacy policy or other privacy practices, contact us at:

Sun Canyon Bank
Division of Banterra Bank
P.O. Box 291
Eldorado, IL  62930
855-423-4602