| FACTS |
WHAT DOES STATE BANK OF NEW RICHLAND DO WITH YOUR PERSONAL INFORMATION? |
| 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 account balances
- Income and payment history
- Credit history and transaction history
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 State Bank of New Richland chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information |
Does SBNR 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 |
Yes |
No |
| 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 affiliates to market to you |
No |
We don't share |
| For non affiliates to market to you |
No |
We don't share |
| Questions? |
Call 507-465-3218 or go to www.sbnr.biz |
| Who we are |
| Who is providing this notice? |
State Bank of New Richland |
| What we do |
| How does State Bank of New Richland 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 State Bank of New Richland collect my personal information? |
We collect your personal information, for example, when you
- open an account or show us your driver's license
- apply for a loan or pay your bills
- make deposits or withdrawals from your account
We also collect your information from others, such as credit bureaus, affiliates, or 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 non affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
|
| Definitions |
| Affiliates |
Companies related by common ownership or control. They can be financial and non financial companies.
- State Bank of New Richland has no affiliates
|
| Non affiliates |
Companies not related by common ownership or control. They can be financial and non financial companies.
- State Bank of New Richland 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.
- State Bank of New Richland does not jointly market.
|
INTERNET PRIVACY AND SECURITY
Browsing Our Site
When you visit our website to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. To evaluate the usefulness of our site, we may gather and analyze data regarding usage such as:
- The name of your Internet Service Provider,
- The website that referred you to us (if any),
- The date and time the pages were accessed, and
- The page or pages you requested.
About "cookies"
To provide better service and a more effective web site, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our web page server. We do not use cookies to get data from your hard drive or to get your email address or personal identifying information. Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our web site and for a number of administrative purposes.
How We Handle E-Mail
When you send us an e-mail to comment on something or to ask a question, we will use your e-mail address to reply to you and for a limited time we will store your e-mail address, your message and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your e-mail address in this manner, we won't use it to let you know about our products and services unless you have given us permission. This information is not given or sold to any other organization.
E-Mail Security
Regular non-encrypted Internet e-mail is not secure. In the instances where our Internet e-mail addresses are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature. E-mail you send us may not be secure unless we advise you that it is secure prior to transmitting your message. Therefore, we recommend that you not send us confidential information such as social security or account numbers via unsecured email. You may also contact us by phone, U.S. mail or by visiting your nearest banking center.
Online Banking Security
When you bank online with us, we, along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you.
We use state-of-the-art Internet technology, supported by the outside companies we work with, to make online banking secure and to protect your personal information. We also require an I.D. and password or PIN to access your accounts. If you do not provide this information, we cannot establish an online banking service for you.
You can also help safeguard your personal information by taking a few simple precautions. Protect your account, PIN, and customer access numbers. Do not share your I.D. or password with anyone, change your password regularly, and remember to sign off. Never disclose confidential information to unknown callers. When banking on the Internet, be sure to use a secure browser and current virus detection software, and never open e-mail from unknown sources.
Mobile Privacy Disclosure
Before proceeding please take a moment to read and understand what personal information your banking app might collect under certain circumstances and how this information is used.
Why do we request access to personal information? The application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account. It is important for you to understand that before granting access to this information you will be prompted to give the application that permission. If you do not wish to grant that permission, you may decline. If you later change your mind, those permissions can be updated in your device's settings.
Some possible examples of information your app may request access to are:
- Location: Your location is used to prevent fraudulent activity and to display locations near you.
- Contacts: Allowing access lets you add contacts to use with features that allow you to send money via your mobile app. We will only add the contacts you choose and that information will not be shared.
- Camera: This app uses your camera to capture check images, take picture of receipts, scan ID, scan authorized QR codes and to conduct video chat.
Protecting Your Privacy Online
Whenever we ask for personal information on our web site, we use Secure Socket Layer (SSL technology) for transferring data. This technology encrypts - or scrambles - your account information so it's virtually impossible to read by anyone other than employees at our Bank.
Secure Socket Layer (SSL) technology secretly encodes information that is being sent over the Internet between your computer and our Bank, helping to ensure that the information remains confidential. Information sent through the Contact Us page is not encoded with SSL. Do not send any sensitive information via the Contact Us page.
Protecting Your Children
Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of your children, and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.
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