Privacy Policy - R&T Deposit Solutions

R&T Privacy Policy

Last Updated: January 13, 2025

This R&T privacy policy (“R&T Privacy Policy”) is issued on behalf of Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions and its affiliates, together, “R&T,” “us,” or “our”) and describes the personal information that we collect or receive from or about you when you visit https://rnt.com/ (“Website”) or otherwise use our products or services (together, the “Services”) and the ways in which we use and share it.

Please note that R&T provides certain Services to financial institutions and other clients (e.g., banks, credit unions, trust companies, and broker-dealers) (together, “Institutional Clients”) as a service provider. Our Institutional Clients may provide us, through our delivery of Services, with information about the individuals with whom they do business (e.g., the Institutional Clients’ customers). Our handling of such information, including how we collect, use and disclose such information, is governed by our written agreements with our Institutional Clients and not by this R&T Privacy Policy. If you have any questions about how an Institutional Client handles information relating to you as a customer of an Institutional Client, please review their privacy policies or contact them directly.

Please read our R&T Privacy Policy carefully. By using our Services, you consent, where required, to the collection, use and sharing of your information, including your personal information, as described below. If you have any questions or concerns about our R&T Privacy Policy or practices, please see the How To Contact Us section below.

If you do not agree to the terms of our R&T Privacy Policy, please do not use, access, or download any of the Services.

Information We Collect About You

We collect information about you in various ways. Some of this information may be considered “personal information” under applicable law. The personal information that you provide and that we collect or receive from you depends on the context of your interaction with us and the Services, the choices you make when you use the Services, and the Service features that you use.

You may provide information to us directly. We collect and receive information from you directly when we collect personal information directly from you, such as when you create an account with us, create log-in credentials for any online portals made available to Institutional Clients’ representatives through which we provide the Services to you, contact us by email, telephone, or other means. This information may include, without limitation, your name, email address, telephone number, company information, IP address and other online identifiers and account or login credentials. In certain instances, we may record calls for customer service and training purposes.

You may provide information to third parties who act on our behalf. We collect and receive information when you provide your information to our third-party service providers, business partners and vendors that we engage to assist us in providing Services to you. Such third parties may include website providers and entities that assist us in sponsoring events. The information collected by such entities may include your name, contact details, IP address and other online identifiers, or information regarding the events you attend.

We collect information from you automatically through tracking technologies. When you visit our Website or use our Services we may collect certain information from you automatically. We may collect this information through cookies, web beacons, tags and scripts and other tracking technologies. We may combine this information with other information we collect about you when you use our Services or via other sources.

The information we collect automatically may include the following:

Your IP address.
Your device identifier.
Advertising identifiers.
The location associated with your IP address or device.
The type of browser and/or operating system you are using.
The domain name of your Internet service provider.
Information regarding when you access or how you use our Services.
The URLs of the pages that you visit and information regarding how long you use various pages or aspects of our Services.

For more information regarding how we and third parties we engage may collect information from you automatically via cookies and other tracking technologies, please see Cookies, Online Tracking and Targeted Advertising below.

We collect information that you provide to us via social media platforms and other third-party services. We collect and receive information from you when you interact with our social media pages, accounts or via posts you make on social media and other third-party platforms (“Social Media Platforms”). This may include demographic information about users who “follow” our pages or information regarding how you engage with us, such as when you “like” our content. For more information, please see Social Media and Other Platforms below.

How We Use Your Information

We may use the information we collect from you in a variety of ways, including:

To present our Website and its contents to you and to operate our Website.
To provide the functionality of the Services and fulfill requests.
For business reporting and providing personalized services, such as to analyze the use of the Services.
To reach out to you about and market or promote new information, products or services to you that we believe you may be interested in.
To communicate with you, including to notify you about changes to our Website or Services.
To help us improve our Services and deliver a more personalized experience. This includes by enabling us to estimate and analyze our audience size and usage patterns, store information about your preferences, speed up your searches and recognize you when you return to our Services.
To deliver targeted advertising to you. Please see Cookies, Online Tracking and Targeted Advertising below for further information about our and third parties’ use of cookies and other tracking technologies to provide you with relevant ads on our Services and other sites, and information about how to disable cookies and make other choices related to targeted advertising.
To carry out our obligations and enforce our rights arising from any contracts entered into with you. This includes for billing and collection, and as we believe is necessary or appropriate to protect, enforce or defend the rights, privacy, safety or property of the Services, its employees or agents, or other users or to comply with applicable laws or regulations.
To aggregate and/or-de-identify it so that it will no longer be considered personal information. We may aggregate and/or de-identify personal information so that it will no longer be considered personal information. We do so to generate other data for our use, which we may use and disclose for any purpose, as it no longer identifies you or any other individual.
To otherwise operate, manage, and maintain our business, such as to provide our Services; for audits, to verify that our internal processes function as intended; for identity verification, such as authenticating your login credentials; for fraud detection and prevention and monitoring for, and protecting against, security risks, including cyberattacks; to enhance, improve, repair, maintain, or modify our current Services, as well as to undertake quality and safety assurance measures; to develop new products and services; to identify usage trends, such as understanding which parts of our Services are of most interest to users; to assess the effectiveness of our promotional campaigns; and to expand our business activities.
In any other way we may describe when you provide the information, or otherwise at your direction or with your consent.
As permitted by applicable laws or regulations, or as we may notify you.

How We Share Information

We may share the information that we collect pursuant to this R&T Privacy Policy as follows:

With our affiliates.
With the Institutional Client of which you are a representative or employee.
With our third-party service providers, business partners and vendors. These parties may include companies that host our Services, provide web analytics, provide data analysis, perform data processing, provide fraud prevention, information technology and related infrastructure services, provide customer service, distribute emails to you, serve targeted ads or measure ad performance, or help us communicate with you.
When you request any of our Services. We will share your information to the extent necessary or appropriate to fulfill your request.
When required to do so by applicable laws or regulations or requirement of any regulatory agency. For example, we may share your personal information in response to a court order or a subpoena. We also may disclose such information in response to a law enforcement or regulatory agency’s request.

We may disclose aggregated or de-identified information (such as aggregated statistics regarding the use of our Services) to third parties for any purpose.

In addition, please note that if R&T or any of its affiliates, subsidiaries or lines of business is merged, acquired, divested, financed, sold, disposed of or dissolved, including through merger, consolidation, sale or divestiture of assets, R&T’s Institutional Client database, including personal information we may possess about you, and information collected pursuant to this R&T Privacy Policy, may, in whole or in part, be sold, disposed of, transferred, divested, or otherwise disclosed as part of that transaction or proceeding.

Cookies, Online Tracking and Targeted Advertising

Cookies and Other Tracking Technologies

We and third-party service providers, business partners and vendors we engage may use cookies (i.e., small text files that are stored on your browser, computer, or mobile device), web beacons, pixel tags, browser analysis tools, server logs and other tracking technologies to automatically collect information, including personal information such as your IP address, from your browser.

Our Services may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be accessed every time you use our Services.

Our Services use cookies and other tracking technologies for a variety of purposes, including functional, analytics and advertising purposes. For example, we and third-party service providers, business partners, and vendors we engage use cookies and other tracking technologies:

For functional purposes, such as to provide the Services and its content to you.
For analytics purposes, such as to provide us with information about which portions of our Services are the most popular, enabling us to see what web pages a user visits and how much time a user spends on each page.
To personalize your experience using our Services (e.g., to recognize you by name when you return to use our Services, to save your password in password-protected areas, or to tailor content, or product and service offerings to you).
For advertising purposes, such as to provide advertisements to you (known as targeted advertisements) that we or third parties believe may be relevant to your interests.

Google Analytics

Our Services may use Google Analytics, a web analytics service offered by Google. You may learn more about Google’s practices with Google Analytics by visiting Google’s privacy policy at h ttps://www.google.com/policies/privacy/partners.

Targeted Advertising and Third-Party Rights to Your Information

We may partner with third-party service providers, business partners, and vendors in an effort to conduct analytics and serve targeted advertisements to you. We permit such parties to obtain information about you when you use our Services. This information may include your IP address, mobile device ID and advertising ID. Such information is obtained through cookies and other tracking technologies. Such parties may collect similar information from you across other websites and services over time. We, and such parties, and others may use this information to engage in targeted advertising and display ads or other targeted content to you that is believed to be relevant to you based on your use of our Services, other sites and services and other information we may collect about you. Such ads and targeted content may appear on our Services and/or across other domains.

We may grant some of our third-party service providers, business partners, and vendors independent rights to your personal information (e.g., your IP address), including rights to use your personal information for their own purposes. In such cases, we do not control those third parties’ further use of your personal information and such use is governed by those third-parties’ respective privacy policies.

Your Choices:

You can manage your cookie and tracking technology preferences for the Website by clicking the “Do Not Share My Personal Information” link at the bottom of our website, www.rnt.com and managing your settings

You also may be able to manage your cookie and tracking preferences through your web browser. Most web browsers will tell you how to stop accepting new cookies and how to disable existing cookies. For more information regarding how to manage your preferences, please consult the information made available by your particular browser or visit www.allaboutcookies.org.

With respect to Google Analytics, you also can view Google’s currently available opt-out options at https://tools.google.com/dlpage/gaoptout in an effort to opt-out of being tracked by Google Analytics.

Please note that if you choose not to accept cookies or other tracking technologies, you may be unable to use certain features of our Services. In addition, you may still receive advertisements on or about our Services; however, they may not be as relevant to you.

Social Media and Other Platforms

You may choose to engage with us on Social Media Platforms. We collect and receive information from you when you interact with our social media pages, accounts or via posts you make on Social Media Platforms. If you choose to make any of your activities or other content available through a Social Media Platform, including on our pages, or you engage in other activities in connection with a Social Media Platform, your friends and followers on those Social Media Platforms that you have enabled, and potentially the general public, will be able to view those contributions and activities. Please remember that the manner in which Social Media Platforms use, store, and disclose your information is governed by the policies of such third-parties. R&T is not responsible for the privacy practices or other actions of any Social Media Platform through which we may engage with you.

Links to Third-Party Websites

Our Services contain links to third-party sites and services whose privacy practices may be different than ours. We may also allow you to connect with other third-party sites and services. We are not responsible for the privacy practices of third-party sites and services and you should consult the other third-party sites’ and services’ privacy notices in order to better understand their privacy practices.

Additional Information for California Residents

The California Consumer Privacy Act (“CCPA”) provides California residents privacy rights with respect to certain personal information. If you are a California resident, please visit our California Notice at Collection and Privacy Notice (“California Privacy Notice”) for more information. The California Privacy Notice supplements and should be read in conjunction with this R&T Privacy Policy.

Security

We use a combination of administrative, technical, and physical safeguards designed to help prevent unauthorized access, maintain data security and correctly use the information we collect from and about you. However, no system can be completely secure, and we do not guarantee that unauthorized disclosures and access will not happen. Notwithstanding the measures we use to safeguard against unauthorized disclosures of information, we cannot assure you that your personal information or other information will never be disclosed in a manner that is inconsistent with this R&T Privacy Policy.

Children’s Privacy

Our Services are not intended for users under the age of 16, and R&T does not knowingly collect information from anyone under the age of 16. No one under the age of 16 is permitted to access or use our Services or provide us with personal information. If you are aware of anyone under 16 using our Services, please visit How To Contact Us below.

Correcting and Deleting Your Personal Information

We take reasonable steps to accurately record the personal information that you provide to us pursuant to this R&T Privacy Policy and any subsequent updates to such information. We encourage you to review, update, and correct the personal information that you provide to us. Please contact us at info@rnt.com in order to do so.

Changes to the R&T Privacy Policy

From time to time, R&T may update or revise this R&T Privacy Policy. The Last Updated legend at the top of this R&T Privacy Policy indicates when this R&T Privacy Policy was last revised. If there are changes to the terms of this R&T Privacy Policy, the relevant website pages or other documents containing the revised policy on the relevant Services will be updated.

How to Contact Us

If you have any questions or concerns about this R&T Privacy Policy, please contact us at info@rnt.com.