Privacy Information

Online Privacy Notice

Effective Date: 10/28/2020

nbkc bank is committed to safeguarding the privacy and security of your information. This Online Privacy Notice describes how we may collect, use, transfer, and disclose information about you when you use our products, services, mobile application, or visit our website. By using our products, services, mobile application, or visit our websites, you agree to be bound by the terms and conditions of this Online Privacy Notice. Please note that this Online Privacy Notice does not apply to websites owned and operated by third parties regardless of whether we provide a hyperlink to them through our websites. Websites not owned or operated by us will be subject to their own privacy policies. We have no control over third-party websites or their privacy policies.

Types of Information We Collect

We may collect the following types of information when you use our products, services, or mobile application, or visit our websites:

“Personal Information” is information that we may collect that identifies you as an individual, customer, or consumer. Examples of Personal Information include your name, date of birth, social security number or tax identification number, driver’s license number, mailing address, email address, government-issued photo identification, personal photograph of yourself, telephone number(s), telephone number data, and your account number(s).
“Non-Personal Information” is information that we may collect that does not identify you as an individual, customer, or consumer. Examples of non-personal information are the version of your internet browser, your computer or mobile device’s operating system, information from tracking technologies, websites you visit, your computer’s IP address, and location information or other data.

How We Collect Your Information

We collect Personal Information about you when you request information about, or apply for, our products or services, register for online or mobile account access, contact us for customer service, communicate with us through social media, or otherwise interact with us. We may also collect Personal Information about you from other sources, such as public databases, credit reporting agencies, social media platforms, affiliated companies, and other third parties.

We also collect Non-Personal Information about your online and mobile activity automatically using the following tracking technologies:

HTTP cookies (“Cookies”) are pieces of information that are stored directly on the device you are using. Cookies provide us with anonymous online and mobile activity information such as the time of your site visits and the pages you viewed. Cookies are commonly used with internet browsers, and do not harm your computer or device.
Mobile advertising ID’s (MAIDS) are similar to Cookies but are used in connection with a mobile device. MAIDs are user-specific, resettable identifiers provided by your mobile device’ operating system. When we use MAIDs, you remain anonymous. You can reset your MAIDS by following these steps: (a) for Google Android, open Google Settings on your Android device, tap the Ads Menu under Services, tap “reset advertising ID”, and confirm the reset when the confirmation prompt is displayed; for Apple devices, open the Settings app, tap Privacy, scroll down to the bottom of the page and tap Advertising, tap “reset Advertising Identifier”, confirm this choice by tapping “reset Advertising Identifier” again.
Web beacons and pixel tags (“Beacons and Tags”) are technologies that allow tracking of your online activity and websites you visited. Beacons and Tags may gather anonymous information such as your computer’s operating system, your computer’s IP address, and time and duration of your website visits.

You may disable these tracking technologies or opt-out of targeted advertising generally in the settings menu of your internet browser or mobile device. For Apple devices, open the Settings app, tap Privacy, scroll down to the bottom of the page and tap Advertising, then turn the Limit Ad Tracking button to “ON”. For Android devices, tap Menu, tap Google Settings, tap Ads, and then check the box identified as “Opt-out of interest-based ads.”

3. HOW WE USE INFORMATION

We and service providers working on our behalf use information collected on our Website in a variety of ways intended to provide our Website and Services and to operate our business, including the following:

To Provide our Services. We use the information that we collect (i) to operate, maintain, enhance and provide our Website and our Services, (ii) to provide other services and information that you request, and (iii) to provide customer support to you and other parties.
To Improve, Analyze, and Personalize our Website and Services. We use the information that we collect to understand and analyze usage trends and preferences; to monitor and analyze the effectiveness of our Website and Services; to improve our Website and Services and develop new products, services, features, and functionality; and to personalize our Website and Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our Website, or providing customized content and information.
To Contact You. We may use your email address or other information we collect to contact you for administrative purposes such as customer service or to send communications, including marketing or promotional communications, relating to our Website and Services. Generally, you have the ability to opt out of receiving promotional communications as described below.
Aggregate Data. We aggregate data collected through our Website and use it for purposes such as creating and sharing reports about the use of our products and services, including users’ interests, usage patterns, and trends.
Advertising. We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our Website and to provide advertisements and other content that is tailored to you.
Advertising. We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our Website and to provide advertisements and other content that is tailored to you.

4. HOW WE SHARE INFORMATION

We may share, transfer, or disclose your information if you consent to us doing so, as well as in the following circumstances:

To Service Providers. We work with third party service providers to provide services including loan or transaction processing or administration; Website hosting and other similar services, development and maintenance; advertising and marketing services; and other services related to our Website and Services for us. These third parties may have access to or process your information as part of providing those services for us. Generally, we limit the information provided to these service providers to that which is reasonably necessary for them to perform their functions, and we require them to agree to maintain the confidentiality of such information. These service providers are not permitted to use information we share that might identify you for any purpose other than to provide services to [Company Name] or to you.
In Aggregate Form. We may make certain aggregated non-personal information available to third parties for various purposes, including (i) compliance with various reporting obligations; (ii) for business or marketing purposes; or (iii) to assist such parties in understanding our users’ interests, usage patterns, and borrowing and loan origination trends.
Compliance with Laws and Law Enforcement; Protection of Our Rights. We may disclose your information (including your personal information) to a third party if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process or governmental request, (b) to enforce our agreements, policies and terms of service, (c) to protect the security or integrity of our Website or Services, (d) to protect the property, rights, and safety of [Company Name], our users or the public from harm or illegal activities, (e) to respond to an emergency which we believe in the good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third-party claims or allegations.
In Significant Business Transactions. Your information, including personal information, may be disclosed and otherwise transferred to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, or in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets.

5. OUR POLICY CONCERNING CHILDREN

Our website is not directed to children under 13, and we do not knowingly collect any personal information from children under the age of 13 through our website. If we become aware that a child under 13 has provided us with personal information through our website, we will take steps to delete such information.

6. PRIVACY POLICIES OF LINKED SITES AND ADVERTISERS

Our Website may contain links to other sites, as well as advertisements from companies linking to their own sites. We are not responsible for the privacy practices or the content of such sites. If you have any questions about how these other sites use your information, you should contact them directly.

7. SECURITY

[Company Name] has certain measures in place to maintain the security, confidentiality and integrity of the information gathered through the Website, and to help protect against the loss, misuse and alteration of such information. While we take measures to protect your personal information against security breaches and unauthorized access, we cannot guarantee that our safeguards will be effective all of the time against all security threats.

8. CHANGES TO OUR PRIVACY POLICY

This Privacy Policy may be revised from time to time. If we decide to make material changes to our Privacy Policy, we will make reasonable efforts to notify you of the changes by sending a notice to the primary email address provided to us and/or by placing a notice on our Website.

9. HOW TO ACCESS AND UPDATE YOUR INFORMATION

You can access and update the information that you have provided to us as follows:

If you are a [Customer Name] customer, you can access and update certain personal information in connection with your account or application by logging into your account online.
You may contact us at [Company Email] and request to review, amend or delete certain personal information collected by us.
Please note that we may not be able to delete all information we collect through our Website.
You may opt-out of receiving marketing emails at any time by following the steps to “unsubscribe” described in the footer of our marketing emails. Your opt-out will become effective in 10 days or less.