Privacy

FSNB Online Privacy Policy

FSNB Online Privacy Policy (the “App”) helps you manage your money, view your transactions and accounts, making it easy to manage your finances on the go.

This FSNB Online Privacy Policy (the “App”), in combination with other relevant privacy notices that FSNB provides to you, including, without limitation our Privacy Policy 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 customers in connection with the App. By using or downloading the App you agree to the terms and conditions set forth in this FSNB Online Privacy Policy. In the event of a direct conflict between the terms of this FSNB Online Privacy Policy and the Privacy Policy.

What Information does FSNB collect?

Depending on how you interact online with us, we may collect various types of information about you. For example, we may collect:

• Contact or identity data, such as your name, mailing address, email address, phone number, date of birth, government-issued identifier (e.g., Social Security number, tax ID number, driver’s license, or other government ID), citizenship, business contact and professional information, username and password and other information that directly identifies you.
• Account data, such as account number, masked credit/debit card number, account history, account balances, loan details, vehicle or property information, information about beneficiaries and joint account holders, business-related information (e.g., business name, address, revenue, and industry type, and other information related to your FSNB accounts, applications or prequalification inquiries.
• Transaction data, such as credit/debit card purchases, mobile deposit images, payment or transaction history, transaction details when you transfer money to or from your FSNB accounts, third-party billing information or statements and payment card details.
• Demographic data, such as gender, marital status, age, income, occupation, veteran or military status and employment status.

When you use or interact with our Online Services, including, for example, when you browse our website or use our mobile apps, we may also collect:

• Device data, such as your device type, web browser type and version, operating system type and version, display/screen settings, language preferences, device contacts (e.g., to facilitate bill payments), photos/images (e.g., to deposit checks), internet protocol address, mobile network information, general location (e.g., city, state, or country), precise location (e.g., latitude/longitude to find a nearby FSNB branch or ATM), cookie IDs, device IDs, mobile advertising IDs (e.g., Apple’s IDFA or Google’s Advertising ID) and likely connections among different browsers and devices that you use (collectively, “Device Data”).
• Online/mobile activity data, such as login data, search history, information about how you use and interact with our Online Services or advertising (including content viewed, links clicked, and features used), when and how often you use our Online Services, the webpage from which you clicked a link to come to our Online Services (e.g., the referrer URL) and crash reports (collectively, “Online/Mobile Activity Data”).
• We will use your camera when you take a picture to capture images of a check that is being deposited within the mobile application.
• Marketing data, such as your marketing preferences, information about products or services we think you might like and inferences based on your interactions with us or our partners (e.g., Online/Mobile Activity Data used for targeted advertising).
• Communications data, such as your communication preferences and details or the content of your communications with us (e.g., chat messages).
• Survey and research data, such as your responses to questionnaires, surveys, requests for feedback and research activities.

If you inquire about or apply for a job at FSNB using our Online Services, we may also collect:

• Employment application data, such as professional, employment-related, and education history collected through the Online Services about job applicants, employees, associates, contractors or other members of the FSNB workforce.

If you disclose any information relating to other people to us or to our service providers when you visit or use the Online Services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy.

How does FSNB use this information in the app?

We use the information for various purposes depending on how you interact with us. For example, we may use information about you for the purposes described below:

• Providing our products and services, such as enabling you to apply for and obtain FSNB products or services, evaluating your application or eligibility for a FSNB product or service, servicing and managing your accounts, providing customer service or support, communicating with you and providing online tools and features.
• Processing transactions and payments, such as transferring funds between accounts, processing payments or transactions, mobile deposit of images, fulfilling orders, and conducting settlement, billing, processing, clearing or reconciliation activities.
• Verifying your identity, such as conducting identity verification when you apply for our products or services, authenticating your login credentials, verifying your location to allow access to your accounts and storing security questions for subsequent verification online or over the phone.
• Detecting and preventing fraud, such as determining fraud risk and identifying fraudulent transactions.
• Protecting against security risks, such as monitoring network activity logs, detecting security incidents, conducting data security investigations and otherwise protecting against malicious, deceptive, fraudulent or illegal activity.
• Advertising and marketing, such as sending you offers for special products and services via mail, email, or text message, displaying online advertising, targeting our offers or promotions, conducting market research and evaluating or improving the effectiveness of our marketing efforts.
• Conducting analytics and research, such as examining which parts of our website you visit or which aspects of our mobile apps you find most useful, evaluating user interface and experiences, testing features or functionality, performing debugging and error repair and analyzing the use of our Online Services.
• Improving our products and services, such as personalizing and optimizing your website and mobile experiences, recognizing you across different browsers and devices you use, improving existing products and services and developing new products and services.
• Carrying out legal and business purposes, such as complying with applicable laws, responding to civil, criminal, or regulatory lawsuits, subpoenas, or investigations, exercising our rights or defending against legal claims (including for collections and recoveries on past-due accounts), resolving complaints and disputes, performing compliance activities, analyzing credit risk, conducting credit reporting activities, regulatory reporting, performing institutional risk control, conducting human resources activities and otherwise operating, managing and maintaining our business.
• Creating aggregated and de-identified information, such as using or modifying the information described in this Privacy Policy in a manner that does not allow us to reasonably identify you. For example, we may compile aggregated statistics to understand trends or to research the percentage of users accessing a specific website feature. Information that has been aggregated and de-identified is no longer subject to this Privacy Policy.

DISCLOSURE OF YOUR PERSONAL INFORMATION

We disclose your personal information collected through your use of the Services as described below.

• In Accordance with Our Other Privacy Notice. Other than as described in this FSNB Online 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.
• Third Party Service Providers. FSNB 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 FSNB Online 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.
• 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 Services and go to another site and another entity may collect personal and/or anonymous information from you. The app’s 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. FSNB has no control over, does not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Notice do not apply to these outside websites. We encourage you to read the privacy notice of every website you visit.

YOUR CHOICES REGARDING YOUR INFORMATION

You have several choices regarding use of information on the Services:

• 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 take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
• 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.
• 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.
• Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can 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 in an effort 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.

Federal laws and regulations require that US financial institutions retain original, active and historical records. Your personal and financial data will be retained for a period of five to ten years, depending on applicable laws, regulations and legitimate business needs.

A NOTE ABOUT CHILDREN

Our Services are available through general audience websites, and we do not knowingly collect or use personal information from children under 13.

PRIVACY POLICY UPDATES

FSNB is always improving our Services. As our Services evolve, we may update or amend this FSNB Online Privacy Policy. If we modify this policy, we will post the revised “FSNB Online Privacy Policy” online. The revised policy will be effective immediately at the time of posting, unless a later effective date is expressly stated therein.

Should any modification materially change how we use your personal information, we will provide notice online prior to the effective date of the change.

It is your responsibility to periodically review this privacy policy. Users are bound by any changes to this privacy policy by using our Services after such changes have been first posted.

Contact Us

If you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App by email at: fsnb@fsnb.com or by mail at:

FSNB, NA
Attn: Compliance Department
PO Box 33009
Fort Sill, OK 73503