Banco de Loja is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Banco de Loja Web site and governs data collection and usage. By using the Banco de Loja website, you consent to the data practices described in this statement.

Collection of your Personal Information

Banco de Loja collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Banco de Loja also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Banco de Loja. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by Banco de Loja for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Banco de Loja Web site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Banco de Loja public message boards, this information may be collected and used by others. Note: Banco de Loja does not read any of your private online communications.

Banco de Loja encourages you to review the privacy statements of Web sites you choose to link to from Banco de Loja so that you can understand how those Web sites collect, use and share your information. Banco de Loja is not responsible for the privacy statements or other content on Web sites outside of the Banco de Loja and Banco de Loja family of Web sites.

Use of your Personal Information

Banco de Loja collects and uses your personal information to operate the Banco de Loja Web site and deliver the services you have requested. Banco de Loja also uses your personally identifiable information to inform you of other products or services available from Banco de Loja and its affiliates. Banco de Loja may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Banco de Loja does not sell, rent or lease its customer lists to third parties. Banco de Loja may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Banco de Loja may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Banco de Loja, and they are required to maintain the confidentiality of your information.

Banco de Loja does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Banco de Loja keeps track of the Web sites and pages our customers visit within Banco de Loja, in order to determine what Banco de Loja services are the most popular. This data is used to deliver customized content and advertising within Banco de Loja to customers whose behavior indicates that they are interested in a particular subject area.

Banco de Loja Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Banco de Loja or the site; (b) protect and defend the rights or property of Banco de Loja; and, (c) act under exigent circumstances to protect the personal safety of users of Banco de Loja, or the public.

Use of Cookies

The Banco de Loja Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Banco de Loja pages, or register with Banco de Loja site or services, a cookie helps Banco de Loja to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Banco de Loja Web site, the information you previously provided can be retrieved, so you can easily use the Banco de Loja features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Banco de Loja services or Web sites you visit.

Security of your Personal Information

Banco de Loja secures your personal information from unauthorized access, use or disclosure. Banco de Loja secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

Banco de Loja will occasionally update this Statement of Privacy to reflect company and customer feedback. Banco de Loja encourages you to periodically review this Statement to be informed of how Banco de Loja is protecting your information.

Contact Information

Banco de Loja welcomes your comments regarding this Statement of Privacy. If you believe that Banco de Loja has not adhered to this Statement, please contact Banco de Loja at reportes_clientes@bancodeloja.info.ec. We will use commercially reasonable efforts to promptly determine and remedy the problem.