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Effective 1/30/04
First National Bank Green Forest recognizes the importance our customers
place on privacy and the security of their personal information. Our
goal is to protect your personal information in every way that we
interact with you, whether it's on the telephone, in our lobby, at one
of our ATMs, or on the Internet.
We think it is important for you to be informed of the policies,
procedures, and security measures we have in place to safeguard your
personal and confidential information. We have developed this policy to
help you to understand the steps we take to protect your personal
information.
Privacy Updates
New product releases may require changes to our Privacy Policy. The
effective date of our policy will always be clearly displayed. We will
provide our customers copies of our Privacy Policy on an annual basis.
If you have agreed to accept disclosures electronically, we may send you
an email telling you where the Privacy Policy can be viewed from our
website or Portal.
How We Gather Information
As part of providing financial products or services, we may obtain
information about our customers and consumers from the following
sources:
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Information we receive from you on applications,
emails, or other forms;
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Information about your transactions with us, our
affiliates, and others;
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Information we receive from a consumer-reporting
agency; and
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Information that is generated electronically
when you visit our website and use our Internet Banking.
Privacy
for Internet Users
Our
commitment to safeguard your privacy also extends to the Internet. If
you are just browsing through our website, we do not request any
personally identifiable information, nor do we collect unique
identifying information about you unless you voluntarily and knowingly
provide us that information, such as when you send us an email or
complete an application online. If you provide us this information, it
is only used internally and in furtherance of the purpose for which it
was provided.
Our Internet financial services provider, Information Technology Inc. (ITI/esolutions)
may collect general information on our website simply to help us provide
banking and other financial services to you online. They collect certain
information on our behalf for security and statistical purposes. The
information collected for these purposes may include:
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The Internet address (referral site) which
brought you to our web site;
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The date and time you access our site;
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The name and version of your web browser;
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The Internet service provider you used when you
accessed our site;
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Your Internet Protocol (IP) address; and
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The pages visited in our website.
Information Technology Inc. may use cookies to collect this general
information on the website. They also use cookies for security purposes
in our Internet Banking service.
In the future, we may use aggregate, general, non-personally
identifiable information to help us market our products and services
that may be of interest you.
Additional information about IP addresses and cookies are provided
below.
Internet Protocol (IP) Addresses
An IP address is a number that's automatically assigned to your computer
whenever you're on the Internet. Web servers, the computers that "serve
up" Web pages, automatically identify your computer by its IP address.
When collecting information for us, Information Technology Inc. does not
link IP addresses to anything personally identifiable, which means that
a user's session will be logged, but the user remains anonymous.
Information Technology Inc. may use IP addresses to audit the use of our
site. They can and will use IP addresses to identify a user when
necessary for security purposes.
What is a Cookie?
A cookie is a very small text file sent by a web server and stored
on your hard drive, your computer’s memory, or in your browser so that
it can be read back later. Cookies cannot “read” information about you
from your computer or be used to “steal” information about you; and
cookies don’t carry viruses. Cookies are a basic way for a server to
identify you (most cookies actually identify the computer you happen to
be using at the time, not you personally). Cookies are used for many
things from personalizing start up pages to facilitating online
purchases. Cookies help sites recognize return visitors and they perform
a very important function when you engage in secure Internet banking.
For your security, we do not store any of your personal information in
our cookies. The cookies used in our Internet banking system are further
described below.
Internet Banking Cookies
Information Technology Inc. uses encrypted cookies that do not pass
to your computer’s hard drive. Instead, the cookie is stored in your
computer’s memory, identifying only your computer while you are logged
on. Only Information Technology Inc. can read the information in these
cookies. This Internet banking cookie allows Information Technology Inc.
to process multiple transactions during your session without requiring
you to reenter your pass code for each individual transaction. The
cookies for Internet banking simply provide another level of security
for our Internet banking product. When you log off, or close your
browser, the cookie is destroyed. A new cookie is used for each session.
That way, no one can use the prior cookie to access your account. For
additional security, the cookie expires after 15 minutes of inactivity.
It must then be renewed by reentering your pass code. Information
Technology Inc. does not (and cannot) use this cookie to collect or
obtain new personal information about you. You must allow your browser
to accept this cookie so you can use the Internet banking system.
Disclosure of Information
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We do not disclose any nonpublic personal
information about our customers, former customers or website visitors
to anyone, except as permitted by law.
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We must provide certain customer account
information to service providers such as Information Technology Inc.
so that we may process your Internet banking transactions.
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We do not sell any of your personal information.
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We will not disclose any medical information
that you provide to us, unless you specifically authorize its
disclosure.
Email Policies
In the future we may send you email notices for certain disclosures if
you choose to accept electronic disclosures or statements. We may also
send you email to market our products and services that may be of
interest you. We may also provide you an opportunity to subscribe to a
newsletter; however, we will always provide you an opportunity to opt-in
or opt-out of these advertising promotions if required by law.
Information Technology Inc. may send these emails as an agent on our
behalf.
Security
First National Bank Green Forest has developed strict policies and
procedures to safeguard your personal information. We restrict employee
access to your sensitive personal information to a "need to know" basis.
We maintain physical, electronic, and procedural safeguards that comply
with federal regulations to guard your nonpublic personal information.
We educate our employees about the importance of confidentiality and
customer privacy. We take appropriate disciplinary measures to enforce
employee privacy responsibilities. We recommend that you contact us in
person or on the phone to discuss sensitive personal information and not
email it to us. We view mail as a convenient means of communication but
it is not secure.
Our Internet Banking service provider, Information Technology Inc., has
also developed security policies and procedures to protect the customer
information that they must collect and maintain to help us process your
banking transactions over the Internet. They have developed a top-of-the
line security system to ensure your customer information is protected on
the Internet and within the Information Technology Inc. environment.
Privacy of Children
First National Bank Green Forest respects the privacy of children. We do not knowingly collect names or
any other personally identifiable information from children. We do not
knowingly market to children nor do we allow children to open accounts
online without parental consent.
Questions
If you would like to know what information we have collected in
connection with your use of our products and services, including
Internet based products and services, please contact us at 870.438.5214.
After reviewing the information, if you believe any of the information
is in error, contact us either by phone or email at
info2@fnbgf.com. You can also
send us a letter that explains the alleged discrepancy. If the
information is incorrect, we will work with you to ensure your
information is promptly updated.
In addition, if you believe any information that First National Bank
Green Forest or Information Technology Inc. has collected about you has
been used for an improper purpose; please contact us at
info2@fnbgf.com. Explain your
concerns in as much detail as possible so that we may take any
appropriate action.
Fair Credit Reporting Act
We do not disclose nonpublic personal information about you to our
affiliates.Top of Page |
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