The privacy policy of First National Bank of Carrollton is divided into two sections. The first section contains the privacy policy applicable to individual consumers. The second section contains our Internet privacy policy applicable to all Internet users.
The First National Bank of Carrollton knows the importance of the privacy of account owner financial records and will make every effort to protect their financial privacy. Protecting each person’s right to privacy is fundamental to the quality of account owner relationships.
We want you to be aware of the principles we follow when collecting, maintaining, using, and safeguarding information about your relationship with us.
- Strive to maintain information about our account owners that is both accurate and complete.
- Aim to limit access to information about our account owners to those authorized individuals who have a legitimate need to know.
- Maintain security measures that guard access to and disclosure of information about our account owners.
- Not disclose information about accounts or transactions to outside parties unless there is an appropriate legal or business justification.
- Ask outside parties who process information about our account owners to abide by our Privacy Policies and Principles and to abide by the federal Right to Financial Privacy Act.
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us, our affiliates or others; and
- Information we receive from a consumer reporting agency
We do not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted by law.
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
First National Bank of Carrollton recognizes the importance of protecting the privacy of Personal Information about our customers and others who visit our web site. This information includes all the data collected when you apply for any of our accounts, use any of our online services, use any of our online financial tools, or when you send us an e-mail.
First National Bank of Carrollton is committed to protecting the information you provide to us. As your community bank, we follow a strict set of principles that include:
- Financial information is personal. We realize the importance of keeping it accurate and confidential
- We will only access your information when it is needed to provide services you have requested or to maintain your accounts
- We have described below the circumstance under which we may receive Personal Information. If you have any questions that are not answered in this section, please send us an e-mail at fnb@carolnet.com.
Login
When you log in to Online Banking and Bill Pay, we will set a “cookie”. A cookie is a bit of information stored in the user’s browser cache. This information allows us to keep track of users while on our systems, and, if necessary, automatically log the customer off if there is no activity after a pre-determined period of time. Cookies will not contain information that would enable anyone to contact you via telephone, e-mail, or traditional mail. Upon termination of an on-line session, the cookie is automatically destroyed.
Enrollment
When you enroll and provide personal information, such as address, e-mail address, and phone numbers, we will not share (disclose) it to third parties without your consent. We will maintain information according to our usual strict security and confidentiality standards.
Applications
During on-line applications, we will request personal information only to assist in establishing new relationships with you, our customer. This information may be shared with departments of the bank, but again, will not be disclosed to any third parties without your consent.
Site Enhancements
We will collect the domain name of visitors to our site and aggregate information on certain criteria to continually improve the content and functionality of our site. Some of the information we gather includes: pages accessed by each visitor, time of day the site is accessed, pages visited most/least, from which Internet Service (i.e.-AOL, ATT,etc), even which browser the customer uses.
E-mail
Should a customer communicate with us via e-mail, this information is retained to allow us to address your request/concerns.
Commitment to Excellence
To ensure that you continue to find value in your relationship with First National Bank of Carrollton, we will continue to improve the services available to our customers. To do this, we must understand what you want in financial services and the most secure and accurate way to get them to you. Hence, we will collect and use information given us by our customers to help us recognize your needs and improve our service.
We will periodically review the methods available for communicating the bank’s privacy policy and determine whether the bank’s current practices are meeting the needs of the bank and our customers.
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