We recognize and respect how important personal privacy is to you, our customer. We value you as a customer, and we will take your personal privacy very seriously. By explaining our privacy policies and procedures to you, we hope that you will understand how we keep customer information private and secure, while also using it to serve you better.
- The kind of information we obtain about you and where it comes from
- Why we don’t share any personal information about you except under limited circumstances
- How we protect the confidentiality of all of our customer information
- What special privacy procedures will apply to your use of our web site
THE KIND OF INFORMATION WE OBTAIN ABOUT YOU AND WHERE IT COMES FROM
We receive information about you from various sources, and this includes information from your requests or applications for our banking products or services. We also receive information about you by reviewing your transactions with us. In addition, we receive information about you from consumer reporting agencies (credit bureaus) who provide us with details about you such as your credit history.
WHY WE DO NOT SHARE ANY PERSONAL INFORMATION ABOUT YOU EXCEPT UNDER LIMITED CIRCUMSTANCES
Because we consider your information to be confidential and we value your right to privacy, we do not share any personal information about you except in limited situations. We may disclose personal information about you to financial services providers such as our data processing company or our check printing company. We may also disclose personal information about you to regulatory authorities and others to comply with legal reporting requirements. We will also disclose information to credit reporting agencies about our credit experiences with you. And in some cases, we will disclose personal information about you to outside companies that we hire to market or supply banking-related products and services.
HOW WE PROTECT THE CONFIDENTIALITY OF ALL OF OUR CUSTOMER INFORMATION
We take our responsibility to protect the privacy and confidentiality of customer information in a very serious fashion. We maintain physical, electronic and procedural safeguards that comply with federal standards. This enables us to securely store information about you and safeguard it from unauthorized access, alteration and destruction. For example, our employees are only permitted to have access to customer information when they need such access to do their work.
We do not sell any information about customers to third parties for marketing or other commercial purposes, and we train our employees to protect the confidentiality of customer records. In order to be certain that information is not provided to someone pretending to be one of our customers, we may establish security procedures from time to time to confirm customer identity.
If we have entered into agreements with other companies to provide banking products and services to you, we require that they safeguard any information about you and that they not use this information for any other purposes.
WHAT SPECIAL PRIVACY POLICIES WILL APPLY TO YOUR USE OF OUR WEB SITE
We maintain appropriate security standards and procedures in order to protect customer information and prevent unauthorized access. We have implemented commercially reasonable security procedures for our Internet banking service. More information about the security procedures for the Internet banking service is available at www.nabna.com.
If any of our Internet banking customers utilize the services of a third party to aggregate account information over the Internet or allow access to personal financial information by disclosing access codes to such a third party, we will not be liable or responsible for this kind of disclosure of nonpublic personal information, and we will not be responsible for any resulting losses or damages.
You may have heard about "cookies" and how they are involved with Internet usage. Cookies are pieces of data assigned by a web server to the browser on a specific PC. Cookies help web sites recognize return visitors. A cookie cannot be read by any web site other than the web site that set the cookie. When a person returns to a web site he or she has visited before, the person's browser gives this data back to the web server.
Users have the option to set their browsers to notify them before receiving a cookie. This allows them to decide whether or not to accept the cookie. In addition, browsers can also be set to turn off cookies entirely. However, cookies are required to access our Internet banking service, so turning cookies off will prevent access to this service. Cookies are not required to access our web site.
While web site visitors can use e-mail to contact us about routine issues and inquiries, e-mail may not be a secure method of communication for time sensitive communication or communication of information that is confidential. We strongly recommend that you not communicate this type of information via e-mail.
We do not knowingly collect or use personal information from our web site relating to children under 13 years of age. We are not responsible for the data collection and use practices of nonaffiliated third parties to which our web sites may link. For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC web site at www.ftc.gov.