SWBC Privacy Policy
Last Updated: July 13, 2026
SWBC respects your privacy, and takes all reasonable steps designed to ensure that the personal information you provide to us is stored and protected in a safe and responsible manner. This Privacy Policy outlines the information that we collect through your use of our websites, whether collected online or offline, and describes our practices with respect to the personal information that we collect. This Privacy Policy applies to our website and to our other interactions with you where this disclosure is provided. Certain companies within the SWBC family may have privacy policies that are different from this one. Please review their websites for the applicable policy disclosures.
Information that We Collect
We collect information about you directly from you, from other individuals and entities, and automatically through your use of our websites.
During the past twelve (12) months, we may have collected the following categories of personal information:
Identifiers
- Real name, alias, postal address, unique personal identifier
- Online identifier, Internet Protocol address, email address
- Account name, Social Security number, driver’s license number, passport number
Personal Information Categories (Cal. Civ. Code § 1798.80(e))
- Name, signature, Social Security number, address, telephone number
- Date of birth, education, employment history
- Financial and account information (income, credit history, account balances, etc.)
(Some personal information in this category may overlap with others.)
Protected Classification Characteristics
- Age, race, national origin, citizenship
- Marital status, sex, religious or philosophical beliefs
- Veteran or military status
Commercial Information
- Records of personal property, assets, rental history
- Products or services purchased or considered
Professional or Employment-Related Information
- Work history or employer information
Internet or Network Activity
- Browsing history, search history
- Interaction with websites, applications, or advertisements
Nonpublic Education Information
- Educational records such as grades, transcripts, schedules, and financial data
Sensory Data
- Audio, electronic, visual, or similar information
Biometric Information
Geolocation Data
- Physical location or movements
Inferences
- Profiles reflecting preferences, characteristics, behavior, or abilities
Inferences
- Profiles reflecting preferences, characteristics, behavior, or abilities
Retention of Personal Information
We retain each category of personal information described above only for as long as reasonably necessary and proportionate to achieve the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.
How We Collect Your Personal Information
SWBC collects your personal information, for example, when you:
- Apply for a loan
- Apply to use a service
- Purchase a product
- Provide employment history
- Provide contact information
- Provide income information
- Pay bills online
- Provide information directly or through agents or companies acting on your behalf
Why We Collect Personal Information and How We Use It
Business/Commercial Purposes for Collecting & Using Personal Information:
- Provide and administer products and services
- Process transactions and payments
- Authenticate identity and prevent fraud
- Customer service and communications
- Security, debugging, and service improvement
- Analytics and performance
- Marketing and advertising (where permitted)
- Compliance with legal obligations
- Protecting rights and safety
- Corporate transactions (e.g., mergers or acquisitions)
We will not collect, use, retain, sell, or share personal information for purposes that are not reasonably necessary or compatible with the disclosed purposes without additional notice and, where required, consent.
The purposes for which we collect and use personal information depend on our relationship or interaction with you.
Disclosure of Personal Information
In the past 12 months, we may have disclosed personal information to:
- Service providers and contractors
- Affiliates
- Professional advisors (auditors, legal)
- Regulators or law enforcement
- Business transferees
We may share certain personal information with:
- Advertising networks
- Analytics providers
Categories may include identifiers, network activity, and inferences.
Additional disclosures may include:
- Sharing with affiliates and subsidiaries
- Vendors providing services
- Credit bureaus
- Business transfers or sales
- Responding to regulators and government entities, where required
Data Technologies & Cookies
We may use essential and non-essential cookies, web beacons, tracking pixels, and similar technologies provided by third-party analytics and advertising partners to automatically collect information when you visit our website. A cookie is a small text file placed on your device or browser to collect standard internet log and visitor behavior information. These related technologies help us secure your online sessions, authenticate your identity, monitor performance, and customize your experience.
You can manage your preferences or disable cookies through your browser settings, though doing so may limit your access to certain secure financial portals or services on our site.
Types of Data include:
- Network Identifiers: IP addresses, device unique identifiers (UDID), and Internet Service Providers (ISP).
- Device Profiles: Browser types, operating system versions, and screen resolutions.
- Behavioral Telemetry: Page visit history, specific actions taken (such as forms started or financial tools used), time spent on specific pages, visitor frequency, and clickstream data.
How We Use Your Data & Third-Party Integration
- Security & Authentication: Verifying your identity and detecting fraudulent or unauthorized activity.
- Analytics and Behavioral Recording (Google Analytics 4, Hotjar, Siteimprove): We use third-party analytics and session replay tools to measure website performance, track user journeys, diagnose technical errors, and optimize digital accessibility. These technologies capture device identifiers, demographic indicators, page-scroll tracking, click patterns, anonymized behavioral events, and real-time session replays of your website interactions.
- Targeted Advertising (Google Ads, Meta, LinkedIn, StackAdapt): Delivering and retargeting tailored advertisements regarding our financial products across third-party websites and social platforms. These tracking pixels share user identifiers and on-site interactions with advertising platforms to optimize our marketing campaigns.
Your Privacy Rights
California Privacy Rights
You may have the right to:
- Know what personal information we collect
- Correct inaccurate personal information
- Delete personal information
- Opt out of sale or sharing
Additional Rights:
- Limit use of sensitive personal information
- Use an authorized agent to submit requests
We will not discriminate against you for exercising your rights.
Children’s Privacy
- We do not knowingly collect information from children under 13
- We do not sell or share personal information of individuals under 16
We do not have actual knowledge that we sell or share the personal information of consumers under 16 years of age. If this changes, we will implement and describe the required opt-in processes for consumers aged 13–15 and for parents/guardians of children under 13.
Additional California Privacy Information
- Applies to California residents under CCPA and CPRA
- Defines personal information broadly
- Provides rights to know, correct, and delete data
Other laws that may apply include:
- Fair Credit Reporting Act (FCRA)
- Gramm–Leach–Bliley Act (GLBA)
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. We have affiliates and share personal information with them, Southwest Business Corporation (SWBC); SWBC Insurance Services, Inc.; SWBC Life Insurance Company; SWBC Life Insurance Agency, Inc.; Cotrak Insurance Services, Inc.; Cotrak Service Corporation; SWBC Investment Company; SWBC Investment Advisory Services, LLC; AP Account Services, LLC; SWBC Professional Employer Services; SWBC Lending Solutions, LLC; NINPRO Data, Inc., SWBC Investment Services, LLC; SWBC Mortgage Corporation; and SLIC Insurance Agency, LLC; SWBC Shareholder, LLC; APAS Shareholder, LLC; SWBC RE Fund GP, LLC; SWBC Mexico S. de R.L. de C.v.; SWBC Administrative Services Organization, LLC; SWBC Life Insurance Company, a TX Dept; 2617 Property Interests, LLC; SWBC SF Cover, LLC; SWBC Property and Casualty Insurance CO; Swivel Transactions, LLC; SWBC RE, Ltd.; SWBC Risk Solutions Limited; Magic-Wrighter, Inc.; National Collateral Protection, Inc.; Central Financial Insurance Services, Inc.; SWBC Real Estate Services, LLC.
Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. Please note: We do not share personal information with non-affiliated third parties.
Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. Please note: We share personal information with joint marketing partners, banking and financial institutions, mortgage service providers, insurance companies and direct marketing companies.
How to Exercise Your Rights
You may submit privacy rights requests by:
SWBC Corporate Compliance
9311 San Pedro Ave, Suite 600
San Antonio, TX 78216
Process:
Verification: For requests to know/delete/correct, we verify your identity by matching information you provide to information we maintain (e.g., name + email + recent transaction/account details). We may request additional information if needed based on the sensitivity of the data and risk of harm. We do not require verification for opt-out of sale/sharing or requests to limit.
We confirm receipt within 10 business days and respond within 45 calendar days (with one possible 45-day extension when reasonably necessary).