Updated 09/23/2021
| OVERVIEW | OENB MOBILE BANKING PRIVACY POLICY |
| The App | OENB 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. |
| Core Features |
The App allows you to:
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| Scope | 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 App’s website and mobile application (the “Services”). |
| THE TYPES OF INFORMATION WE COLLECT IN THE APP | |
| Information You Provide |
Account Creation: First and last name, address, e-mail, telephone number, and social security number. Financials & Transactions: Account numbers, payment card expiration date, payment card identification, verification numbers, and transaction/payment history. Communications & Feedback: Name, email address, and any content included in your emails or support requests. |
| Third Party Data | We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services. |
| Technology Logs |
Device Data: Operating system type and version, manufacturer and model, browser type, screen resolution, RAM/disk size, CPU usage, device type, IP address, unique identifiers, language settings, mobile carrier, radio/network info (WiFi, LTE, 3G), and general location (city, state). Online Activity: Screens viewed, time spent on a page, preceding website, navigation paths, action patterns, and access durations. |
| Tracking Methods |
Cookies: Text files storing browser settings to facilitate navigation, remember preferences, and analyze usage patterns. Local Storage: HTML5 and Flash technologies providing cookie-equivalent functions for larger data amounts outside your browser. Web Beacons: Pixel tags or clear GIFs used to confirm page/email access or content clicks. |
| Location Tracking | If enabled on your device and permitted by you, we collect location information to provide fraud detection services. You may decline or disable this via your device settings. |
| HOW WE USE YOUR INFORMATION COLLECTED IN THE APP | |
| General Use |
We utilize your data to fulfill requests, provide services, and improve your experience. Specific uses include:
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| Compliance & Protection |
We process information to:
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| Non-Identifiable Data | We may strip personally identifiable factors (like your name) to create anonymized data sets. We use this data to analyze usage trends and enhance products, and reserve the right to share anonymized records at our discretion. |
| DISCLOSURE OF YOUR PERSONAL INFORMATION | |
| Privacy Notices | Your data is handled in accordance with our standard financial privacy notices. This specific policy manages application-level processing. |
| Service Providers | We share information with third-party or affiliated providers to manage quality assurance, account creation, optimization, and technical operations. |
| Authorities | We reserve the right to disclose personal data to law enforcement, government bodies, or private parties when fulfilling compliance and protection protocols. |
| LINKS TO OTHER SITES | |
| The App may contain links to external sites. Clicking these redirects you away from our App to platforms governed by alternative privacy rules. We do not review, endorse, or assume responsibility for outside websites or their operational contents. | |
| YOUR CHOICES REGARDING YOUR INFORMATION | |
| Do Not Track | Browsers may send "do not track" indicators. There is currently no unified industry handling standard, and we do not alter App behaviors based on these signals. |
| Account Control | You can access, modify, or correct your personal file elements by updating preferences directly inside your profile settings. |
| Opt-Out Rights |
Email: Use the "unsubscribe" links found inside promotional emails to remove your address from marketing lists. SMS: We send functional notifications (such as fraud alerts). Unlink your phone number inside App settings to cancel SMS delivery. Location: Revoke geo-tracking permissions inside your mobile OS settings. Note that disabling tracking may break certain App functionalities. |
| SAFEGUARDS, COMPLIANCE, AND CONTACT INFORMATION | |
| Security Measures | We implement physical, electronic, and administrative controls to minimize theft, loss, and unauthorized access risks. Please note that no web-based storage or data transmission mechanism is completely bulletproof. |
| Children's Privacy | Services are restricted to individuals 18 or older. We do not knowingly track minors under 18. Detected records belonging to minors will be systematically erased. |
| Policy Updates | Material edits take effect thirty (30) days after public posting on the Services. Continued App usage signifies agreement. Objecting users must request account deactivation before the effective rollout date. |
| Contact Us |
Email: info@oenbokawville.com Mail: Old Exchange National Bank 110 E Walnut Street, P O Box 6 Okawville, IL 62271 |