Mobile Privacy
Policy
Last Updated:
05/19/2022
Nantahala Bank & Trust Mobile Banking
(the App) powered by Fiserv helps you control your credit
and/or debit cards through your mobile device, making it easy to manage your
finances on the go.
The App allows you to:
get real-time balances for your accounts
manage your
money
view your transactions and statements
make transfers
pay your bills and manage
billers
deposit a check
receive alerts
manage cards
This Privacy
Policy, in combination with other relevant privacy notices that we provide to
you (e.g., pursuant to financial privacy laws), inform you of the policies and
practices regarding the collection, use and disclosure of any personal
information that we and our service providers
collect from or about
users in connection with the Apps website and mobile application (the Services).
THE TYPES OF INFORMATION WE COLLECT IN THE APP
Through your use of the Services, we may collect
personal information from you in the following
ways:
(a) Personal Information You Provide to Us.
We may collect personal information
from you, such as your first and last name, address, e- mail, telephone number,
and social security number when you create an account.
We will collect the financial and
transaction information necessary to provide you with the Services, including
account numbers, payment card expiration date, payment card identification,
verification numbers, and transaction and payment history.
If you provide feedback
or contact us via email,
we will collect your name and email address,
as well as any other content included
in the email, to send you a reply.
We also collect other types of
personal information that you provide voluntarily, such as any information
requested by us if you contact us via email regarding support for the Services.
(b)
Personal Information Collected from Third Parties. We may collect
certain information from identity
verification services and consumer reporting agencies, including credit
bureaus, to provide some of our Services.
(c)
Personal
Information Collected Via Technology. We and our
service providers may automatically log information about you, your computer or
mobile device, and your interaction over time with our Services, our
communications, and other online services, such as:
Device data, such as your computers
or mobile devices operating system type and version, manufacturer and model,
browser type, screen resolution, RAM and disk size, CPU usage, device type
(e.g., phone, tablet), IP address, unique identifiers, language settings,
mobile device carrier, radio/network information (e.g., Wi-Fi,
LTE, 3G), and general location
information such as city, state, or geographic area.
Online activity
data, such as pages or screens you viewed, how long you spent on a page or
screen, the website you visited
before browsing to the Service,
navigation paths between
pages or screens, information about your activity on a page or screen,
access times, and duration of access.
Cookies, which are text files that
websites store on a visitors device to uniquely identify the visitors browser
or to store information or settings in the browser for the purpose of helping
you navigate between pages efficiently, remembering your preferences, enabling
functionality, and helping us understand user activity and patterns.
Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on
your device outside of your browser in connection with specific applications.
Web beacons,
also known as pixel tags or clear GIFs, which are used to demonstrate that a
webpage
or email was accessed or opened, or that certain
content was viewed
or clicked.
Location Information. If
you have enabled location services on your phone and agree
to the collection of your location
when prompted by the Services, we will collect location
data when you use the
Services even when the app is closed or not in use; for example, to provide our
fraud detection services. If you do not want us to
collect this information, you may decline the collection of your location when
prompted or adjust the location services settings on your device.
HOW WE USE YOUR INFORMATION COLLECTED IN THE
APP
(a)
General Use. In
general, we use your personal
information collected through
your use of the
Services to respond to your requests as submitted through
the Services, to provide you the Services
you
request, and to help serve you
better. We use your personal information, in
connection with the App, in the following ways:
facilitate the creation
of, and secure and maintain
your account;
identify you as a legitimate user in our system;
provide improved administration of the Services;
provide the Services
you request;
improve the quality
of experience when you interact
with the Services;
send
you administrative e-mail notifications, such as security or support and maintenance advisories; and
send surveys,
offers, and other
promotional materials related
to the Services.
(b)
Compliance and protection. We may use your personal information to:
comply with applicable laws, lawful requests and legal process,
such as to respond to
subpoenas or requests from government authorities;
protect our, your or others
rights, privacy, safety or property (including by making and
defending legal claims);
audit our internal
processes for compliance with legal and contractual requirements and
internal
policies;
enforce the terms and conditions that govern the Service; and
prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity,
including cyberattacks and identity theft.
(c)
Creation
of Non-Identifiable Data. The App may create
de-identified information records from personal information by excluding certain information (such
as your name) that makes the information personally identifiable to you. We may use this information in a form that does not
personally identify you to analyze
request patterns and usage patterns
to enhance our products and services. We reserve the right to use and disclose
non-identifiable information to third parties in our discretion.
DISCLOSURE OF YOUR PERSONAL INFORMATION
We disclose your personal information collected through your use of the Services
as described below.
(a)
In
Accordance with Our Other Privacy Notices. Other than
as described in this Privacy Policy in connection with the App, this Privacy
Policy does not apply to the processing of your information by us or third
parties with whom we share information.
(b)
Third
Party Service Providers. We may share your personal
information with third party or affiliated service providers that perform
services for or on behalf of us in providing the App, for the purposes
described in this Privacy Policy, including: to provide you with the Services;
to conduct quality assurance testing; to facilitate
the creation of accounts; to optimize the performance
of the Services; to provide technical
support; and/or to provide other services to the App.
(c)
Authorities
and Others. Regardless of any choices you make
regarding your personal information, The App may disclose your personal
information to law enforcement, government authorities, and private parties,
for the compliance and protection services described above.
LINKS TO OTHER SITES
The App may
contain links to third party websites. When you click
on a link to any other website or location,
you will leave
the App and go to another site and another
entity may collect
personal and/or anonymous
information from you. The Apps provision of a link to
any other website or location is for your convenience and does not signify our
endorsement of such other website or location or its contents.
We have no control over, do not review, and cannot be responsible for,
these outside websites or their content. Please be
aware that the terms of this Privacy Policy do not apply to these outside
websites. We encourage you to read the privacy policy
of every website you visit.
YOUR CHOICES
REGARDING YOUR INFORMATION
You have several
choices regarding use of information on the Services.
(a)
How We Respond to Do Not Track Signals. Some web browsers transmit
do not track signals to the
websites and other online services with which your web browser communicates. There is currently no standard that governs what, if
anything, websites should do when they receive these signals.
We currently do not act in response
to these signals.
If and when a standard is established, we may revise its
policy on responding to these signals.
(b)
Access, Update,
or Correct Your Information. You can access, update,
or correct your information
by changing preferences in your account. For
additional requests, please contact us.
(c)
Opting Out of Email or SMS Communications. If you have signed-up
to receive our email marketing communications, you can
unsubscribe any time by clicking the "unsubscribe" link included at
the bottom of the email or other electronic communication. Alternatively,
you can opt out of receiving marketing communications by contacting us at the
contact information under "Contact Us" below. If
you provide your phone number through the Services, we may
send you notifications by SMS, such as provide a fraud
alert. You may opt out of SMS communications by unlinking your mobile phone
number through the Services.
(d)
Opting
Out of Location Tracking. If you initially consented
to the collection of geo-location information
through the Services,
you could subsequently stop the collection of this information at any time by changing
the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location
information, you may no longer be able to use some features of the App.
SAFEGUARDS AND RETENTION
We implement
reasonable administrative, technical, and physical measures to safeguard the
information in our custody and control against theft, loss and unauthorized
access, use, modification, and disclosure. Nevertheless,
transmission via the internet is not completely secure and we cannot guarantee
the security of your information.
A NOTE ABOUT CHILDREN
The Services
are not directed towards individuals under the age of 18, and we do not,
through the App, intentionally gather personal information about visitors who
are under the age of 18. If a child under 18 submits
personal information to us through the App and we learn that the personal
information is the information of a child under 18, we will attempt to delete the
information as soon as
possible.
PRIVACY POLICY
UPDATES
This Privacy
Policy is subject to occasional revision. We will
notify you of any material changes in its collection, use, or disclosure of
your personal information by posting a notice on the Services.
Any material changes to this Privacy
Policy will be effective thirty
(30) calendar days following notice of the changes on the Services. These changes will be
effective immediately for new users of the Services. If
you object to any such changes, you must notify us prior to the effective date
of such changes that you wish to deactivate your account. Continued
use of the Services following notice of any such changes shall indicate your
acknowledgement of such changes.
CONTACT US
If you have
any questions or complaints about this Privacy Policy or The Apps data
collection or processing practices, or if you want to report
any security violations to Nantahala
Bank & Trust, please contact Nantahala Bank & Trust by phone at
828.369.2265, by email at: onlinebanking@nantahalabank.com, or by mail at: Nantahala
Bank & Trust, 120 Siler Road, Franklin, NC
28734.