Privacy Notice

Areti Bank International Inc.



Financial companies choose how they share your personal information. Under federal law, that means personally identifiable 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.


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 account transactions
– Account balances and payment history
– Transaction history and checking account information


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 ARETI BANK INTERNATIONAL INC. chooses to share; and WHETHER you can limit this sharing.

Reasons we can share your personal information Does Areti Bank share? Can you limit this sharing?
For our everyday business purposes— such as to processing your transactions, maintaining your account(s), responding to court orders and legal investigations, or reporting to credit bureaus
For our marketing purposes— With service providers we use to offer our products and services to you (please see below to limit the ways we contact you).
For joint marketing with other financial companies
For our affiliates’ everyday business purposes— information about your transactions and experiences
For our affiliates’ everyday business purposes— information about your creditworthiness
For our affiliates to market to you
For nonaffiliates to market to you

To limit our sharing

  • Reply electronically by signing into your Online Banking account and going to Alerts>Alert and
    Notification Information>Manage Your Privacy Preferences>Select Preferences>Save My Preferences.
    Or by sending an Online Banking secure e-mail by clicking Messages.
  • Areti Bank Customers: call 1-787-301-0804 or email us at
    Please note:
    If you are a new customer, we can begin sharing your information 30 days from the date we sent this
    notice. When you are no longer our customer, we continue to share your information as described in this
    However, you can contact us at any time to limit our sharing.


Areti Bank Customers: call 1-787-301-0804

Who we are

Who is providing this notice?

Areti Bank International Inc. (formerly known as Multibanco International, Inc.)

What we do

How does Areti 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.
We restrict access to your personal information to our employees who need to know that information to provide your products and services.

How does Areti Bank collect my personal information?

We collect your personal information, for example, when you
– Open an account or deposit money
– Pay your bills or apply for a loan
– Use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other

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. See below for more
on your rights under state law

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.



Companies related by common ownership or control. They can be financial and nonfinancial companies.
– Our affiliates include companies with a common corporate identity or name.


Companies not related by common ownership or control. They can be financial and nonfinancial companies.
– Nonaffiliates we share with can include tax preparation companies, insurance companies, direct marketing companies, nonprofit organizations, and other banks. 

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
– Our joint marketing partners include finance companies, mortgage companies, insurance companies and investment companies.

Other important information

You may have privacy rights under federal law and various state laws including Vermont, California and Nevada. Areti Bank International Inc. will comply with these laws to the extent they apply. We may telephone existing customers with offers for additional financial products. You have the right to opt-out of this contact by calling 1-787-301-0804 to add your name to our do-not-call/contact list. Nevada residents may also contact the Nevada Attorney General for opt out information by phone (775-684-1100); email (; or mail (100 N Carson St., Carson City, NV 89701). We may share your personal information with offshore service providers, for the limited purpose of providing a customer service call center for some of the bank’s products and services.
Do Not Call Policy. This notice is the Areti Bank Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. Areti Bank employees receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Areti Bank will be placed on the Areti Bank Do Not Call list and will not be called in any future campaigns, including those of Areti Bank affiliates.
Call Monitoring and Recording. If you communicate with us by telephone, we may monitor or record the call.