Celtic Bank and FuturePay Privacy Policy

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 balance and payment history

– Credit history and credit score.

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 Celtic Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Celtic 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 No We don’t share
For our affiliates‘ everyday business purposes –

information about your transactions and experiences

No We don’t share
For our affiliates‘ everyday business purposes –

information about your creditworthiness

No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share
Questions? Call: 1-855-984-1129


Who we are
Who is providing this notice? Celtic Bank is providing this notice and it applies to all FuturePay accounts.
What we do
How does Celtic 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.
How does Celtic Bank collect my personal information? We collect your personal information, for example, when you:

–     Open a FuturePay Account or use your FuturePay Account

–     Pay a bill or give us your contact information.

–     Provide your account information.


We also collect your personal information from others such as credit bureaus, affiliates, and other companies.

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.

What happens when I limit sharing for an account I hold jointly with someone else? We do not offer joint accounts.
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

– Celtic Bank does not share with affiliates.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Celtic Bank does not share with nonaffiliates so they can market to you.

Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

– Celtic Bank does not jointly market

Other Important Information
We will also comply with more restrictive state laws to the extent they apply. For example, if you live in Vermont, we will not share information about your creditworthiness with our affiliates for their everyday business purposes unless you consent to that sharing. If you live in California, we will not share information about you (1) with our affiliates


FuturePay Website Privacy Policy

We are committed to safeguarding your personal information

FuturePay Inc. is committed to protecting your privacy. The following privacy policy explains how your personal information is collected, used and stored in a responsible manner.

We may, in our sole discretion, change this privacy policy, as required, and post the revised version on www.futurepay.com. To keep up to date with any changes, please visit our site.

What information do you collect?

You can visit FuturePay without revealing any personal information about yourself. The more information you provide, the better the customization of your experience. There are several types of information collected when using FuturePay services

If you have a FuturePay account, we may collect several types of personal information.

Registered user information, required when you become a registered users of the FuturePay products or services, which may include:

  • Contact Information, including name, address, email, and similar information
  • Financial Information, including bank account information that you link to your registered FuturePay account
  • Detailed personal information, such as date of birth or social security number
  • We may also obtain information from third parties, such as credit bureaus and identity verification services
  • When you are a merchant and would like to create an account, we require details on your business and website


The site also automatically collects information from users who visit the site, such as Internet Protocol address (IP) of the user, browser and version being used by a user, pages visited, date and time each page was accessed, search, browsing and similar. We may also use identification information we collect in order to protect against actual or potential fraud.

We may receive and store certain information whenever you visit the site. We may use either cookies or clear gifs or other similar files or tools to obtain certain types of information when you visit our site. Cookies are small data files that we place on your web browser memory storing information that enables FuturePay Inc. to provide convenient features, enhance your user experience, and protect you against fraud. Information gathered may include date and time of visits, pages viewed, time spent, sites visited before and after FuturePay site, and time spent viewing the site. Cookies allow our system to recognize you when you return to visit our site and improve and customize your user experience. Clear gifs are tiny graphics with a unique identifier that work together with cookies and enable us to collect information such as the online movements of users or whether a user has opened an email. FuturePay Inc. also uses this information to, among other things, identify broad demographic trends.

We use session, persistent and flash cookies when you access our site and content. Session cookies expire upon logging out of your account, or closing your browser. Persistent cookies remain on your browser until you erase them or they expire. Flash cookies help ensure your account security is not compromised, spotting irregular behaviors, helping in prevention of fraud, and to support our site and services.

Select third parties may place FuturePay Inc. cookies that we do not control. Should you view a site created by a third party or an application developed by a third party, there may be a cookie placed by the web page or application. These third parties may place cookies that are not subject to our control and the FuturePay Inc. privacy policy does not cover their use.

Select personal information is requested during the course of discussing or providing our products and services.

Correspondence records, such as e-mails, are kept. We also occasionally request feedback from users to help us improve upon user experience, products or services.

We may also collect IP addresses for system administration purposes, fraud prevention and protection against misuse of your personal information. Additionally, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity.

Information that has been made anonymous, so that it does not identify a specific user, is not considered personal information.

Except as further provided herein, any personal information we receive will not be released to a third party unless in connection with a merger, acquisition, sale, liquidation, or other business. Notwithstanding the above, FuturePay Inc. will release any information if required by law or valid judicial order without further notice to user.

How do we use your information?

We collect personal information to:

  • Provide select FuturePay Inc. products and services, including viewing statements, set up payments, and view activity.
  • Provide customer support
  • Process transactions
  • Resolve disputes
  • Collect fees
  • Identify, prevent, and report potentially prohibited or illegal activities


Additionally, information collected helps us improve our site and personalize your user experience. The information we collect also helps to mitigate risk, prevent fraud, and promote trust and safety. Furthermore, we may use the information to email you about service updates, improvements, and other.

We also collect information on anonymous basis to do market analysis, demographics research, and to publish research papers identifying trends. Such research papers include aggregate and anonymous data only, and do not contain any personal information that can be used to identify you.

We, or a third party acting on our behalf, may use the data that you provide to send you email offers that may be of special interest to you.

We do not access or use any personal information you store on our servers, except to provide such products and services, support in connection to products and services, test or troubleshoot products and services, or as otherwise authorized or requested.

Should you opt out of our email communications, FuturePay Inc. reserves the right to contact you via email to service and maintain your account relationship. This includes activity on your account, statements, any changes to your account, website changes or outages, or similar.

What Security Precautions Does FuturePay Inc. Take to Protect Me?

Links to Third Party Sites

FuturePay Inc. is not responsible for the information practices employed by sites linked to or from our site, due to the fact that those websites may have different privacy policies, terms and conditions and security. We advise you review the privacy policies, terms and conditions and security of these sites prior to providing any personal information.

Children’s Privacy

Protecting children on the Internet is very important for us. FuturePay Inc. does not knowingly collect any personal information from anyone under age of 13.