Protecting your privacy is important to Ampersand, Inc. (“Ampersand,” “we,” “us,” and “our”). Please read this Privacy Policy (the “Policy”) before using the Website. The “Website” refers to any Website operated by Ampersand, including www.trustampersand.com, or any other online or mobile service that links to or otherwise presents this Privacy Policy to you.

This Privacy Policy describes how we collect, use, share, process, and delete personal information; what rights and choices you may have with respect to your information; how you may contact us, and how we protect your personal information when you visit the Website or access or use products, services, and related applications offered by Ampersand (collectively, the “Services”) such as creating or managing your account. This Privacy Policy applies to all prospective, current, and former Ampersand customers as well as businesses that interact with Ampersand. 

By accessing or using the Website, you consent to this Privacy Policy and the Terms of Use. We may periodically update or revise this Policy to describe new Services or changes to our practices. You can determine when this Policy was last revised by referring to “Last Updated” at the bottom of this Policy. We encourage you to review the Policy whenever you interact with us to stay informed about our privacy practices and the ways that you can help protect your privacy. If we make significant changes to this Policy, we will notify you through a prominent notice on our Website or Services, release updates, or via email address associated with your account. Your continued use of our Website is deemed to be acceptance of those changes.

Information Ampersand Collects About You

We do not collect any personal information about you unless you voluntarily provide it to us. The information that we collect depends on the context of your interactions with us and the choices that you make, your location, and applicable law.  You may be required to provide certain personal information to us when you elect to use certain products or services.  We will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us.  We may also gather additional information personal or non-personal information in the future.

California Residents

California Privacy Rights If you are a California resident, you may have certain additional rights. Under California Civil Code Section 1798.83, California residents are entitled to ask us for a notice identifying the categories of personal customer information, which we share with our affiliates and/or third parties for marketing purposes and providing contact information for such affiliates and/or third parties. If you are a California resident and would like to make this request, please contact us.

Sharing Information with Third Parties 

Ampersand does not sell, rent or lease its customer lists to third parties. Ampersand may share data with trusted partners in the normal, legitimate course of business to provide, operate, monitor, maintain and administer our Website and Services, and to improve our offerings to you, including to develop new products and services. All such third parties are prohibited from using your personal information except to provide these services to Ampersand and they are required to maintain the confidentiality of your information.

Ampersand may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform with the law or comply with legal process served on Ampersand or the Website; (b) protect and defend the rights or property of Ampersand; and/or (c) to protect the personal safety of users of Ampersand.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by Ampersand.  This information may include: your IP address, browser type, domain names, and access times. This information is used for the operation of the services, to maintain quality of the services, and to provide general information regarding the use of the Ampersand Website.

Security of Your Personal Information

Ampersand secures your personal information from unauthorized access, use, or disclosure. To do this, Ampersand uses the SSL (Secure Sockets Layer) Protocol encryption method.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure.  As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Website cannot be guaranteed. 

How Ampersand Uses Information

We limit our use of your personal information to the purposes described in this Policy. 

Ampersand uses collected information in the following ways:

• Provide and improve our Website and Services 
• Facilitate your account with a financial institution partner 
• Communicate with you about our Services 
• Send and improve marketing communications 
• Provide customer support 
• Promote the security of our Website
• Legal, regulatory, safety, and compliance 

Third Party Websites

This Website may contain links to other Websites operated by third parties, including social media providers. Ampersand cannot and does not control the privacy practices of these third-party Websites. Ampersand does not endorse the content or information of any third-party Website or resource and, further, Ampersand does not warrant that such Websites or resources will not contain viruses or other malicious code or will not otherwise affect your computer. By using any link on our Website to connect to a third-party Website, you agree and understand that Ampersand shall not be responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the privacy practices of any third-party Websites.

How Ampersand Protects Your Personal Information

Our goal is to protect the security of your information. We have implemented technical, organizational, and physical measures designed to protect against loss or unauthorized access, disclosure, alteration, or destruction of the information you provide on the Website. 

Additional Steps You Should Take to Ensure the Security of Your Information

Ampersand does not and cannot guarantee the security of your information submitted through the Website, and we encourage you to take steps to secure your information.

If using the Ampersand online client portal, you should always choose a password that is difficult for others to guess and change your password frequently. You should never share your password with anyone. Your password is not known to Ampersand, and we will never ask for your password.

Ampersand may send important communications regarding your account via email. You should take steps to secure and restrict access to your email account. You should also be aware of fraudulent emails known as “phishing,” from companies claiming to be Ampersand and requesting your login information or other account information. Ampersand will never ask for your login information.

We also recommend you avoid using public computers and networks and delete browser cache files after using the Website.

If you believe the security of your account is compromised or to report any concerns, please inform us using the contact information below.

Children’s Privacy

This Website is not intended for children or minors under the age of 18. We do not knowingly collect personal information from, or market to, children under the age of 13. If we become aware that a child under the age of 13 has provided us with personal information without parental consent, we will take steps to comply with applicable legal requirements to remove such information.

contact information

Ampersand welcomes your questions or comments regarding this Privacy Policy.