Privacy Policy

Revision 9/16/21

FACTS WHAT DOES GULF CAPITAL BANK

DO WITH YOUR PERSONAL INFORMATION?

Why? 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.
What? 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.

How? 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 GULF CAPITAL BANK chooses to share, and whether you can limit this sharing.

 

Reasons we can share your personal information

Does GULF CAPITAL BANK share?

Can you limit this sharing?

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.

YES

NO

For our marketing purposes to offer our products and services to you.

NO

WE DON’T SHARE

For joint marketing with other financial companies.

YES

NO

For our affiliates’ everyday business purposes, such as information about your transactions and experiences. GULF CAPITAL BANK does not have affiliates.

NO

WE DON’T SHARE

For our affiliates’ everyday business purposes—information about your creditworthiness.

GULF CAPITAL BANK does not have affiliates.

NO

WE DON’T SHARE

For nonaffiliates to market to you.

NO

WE DON’T SHARE

Questions? Call 713-999-8800, or go to www.gulfcapitalbank.com.

 

 

Who we are
Who is providing this notice? GULF CAPITAL BANK

 

What we do
How does GULF CAPITAL BANK

protect my personal 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, secure access to online banking and mobile banking using multifactor authentication, and security questions to identify you when you call the bank.
How does GULF CAPITAL BANK collect my personal information? We collect your personal information, for example, when you:

  • Open an account or deposit funds.
  • Pay your bills online or apply for a loan.
  • Use your debit card for everyday purchases.
We also collect your personal information from others, such as credit bureaus, LexisNexis®, ID Insightand Early Warning Services® LLC.
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. GULF CAPITAL BANK does not have affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. GULF CAPITAL BANK does not have any nonaffiliates that we would share your information with.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include credit card companies.

Other important information

GULF CAPITAL BANK is chartered, licensed or registered under the laws of the state of Texas and is subject to regulatory oversight by the FDIC and the Texas Department of Banking. Any consumer wishing to file a complaint against GULF CAPITAL BANK should contact the FDIC or the Texas Department of Banking Consumer Assistance Activities through one of the following means: in person; by U.S. mail to FDIC, 1601 Bryan St., Dallas, TX, 75201 or to the Texas Department of Banking, 2601 Lamar Blvd., Austin, TX 78705; by telephone to the FDIC at 877-276-5554 or to the Texas Department of Banking at 877-275-3342.