Online Privacy Practices

 

Acknowledgement and Acceptance of Terms

Bank of Advance is committed to protecting your privacy. This Online & Mobile Privacy Practices Notice describes The Bank of Advance's online and mobile privacy practices and applies to anyone who visits our website or Bank of Advance-branded social media sites or pages, or uses our mobile applications (“Online Services”). This statement explains which types of personally identifiable information (PII) we collect on our Online Services and what we do with such information, as well as the procedures for controlling what information is collected. This specifically applies to the general use of the Online Services only. For information on the collection and use of Non-Public Personally Identifiable Information for individuals who obtain financial products or services from Bank of Advance, please view the Bank of Advance Privacy Policy.

Your Consent

Each time you use our Online Services, you are indicating your acknowledgement and consent to the collection, use and disclosure of information about you collected through our Online Services as set forth in this Policy. We may revise this Policy periodically without advance notice. We will let you know of any changes by posting a revised Policy on our website with a new effective date. If you do not accept the terms outlined in this Policy or revised Policy, please do not use our Online Services.

Collection and Use of Personal Information

The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes - to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial need in order to design or improve our products and services. 

We may collect Personally Identifiable Information, such as your name, mailing address, email address or telephone number, when you voluntarily provide it to us through forms on our websites, online applications, and contest entries, for example.

We may use and disclose your personal information that is collected through our Online Services in accordance with applicable law and the applicable consumer customer privacy notice, which uses may include:

• Provide and manage the online products and services you have requested;
• Verify your identity and authenticate you;
• Protect against fraud, security threats and otherwise manage risks;
• Communicate with you regarding products and services that may be of interest;
• Evaluate and improve our websites and other electronic offerings;
• Tailor our services and otherwise enhance the customer experience;
• Satisfy legal or regulatory requirements or law enforcement requests; and
• As permitted by applicable law.

Financial institutions are required to retain certain data according to laws and regulations. Bank of Advance retains data for the length of time required, as well as needed for the purpose of providing services. Personal information can be deleted upon request when legally permitted. Please contact us for more information.

 

Ways we Collect Non-Personally Identifiable Information

We employ Google Analytics and other data collection tools to collect Non-Personally Identifiable Information when available. This information is used to make improvements to our websites and to monitor the effectiveness of website changes.

Some common types of information collected include, but are not limited to, your internet protocol (IP) address; the browser type you’re using; the pages you view on the website; the type of device used to access our websites and mobile apps; the items you click within the website; the state or country from which you access the website; the date and time of your visit: the name of your internet service provider; and certain demographic information Google makes available such as age, gender and interests.

This data collection provides a statistical summary that cannot be tracked back to a specific individual. For example, we are able to view the number of visitors to our site who use a certain type of Internet browser, but we are not able to determine which browser a specific visitor uses. Please keep in mind this statement refers to general website usage, and not for instance, Bank of Advance Online Banking. In instances of the use of our products and services, we may use personally identifiable information (PII) in order to better serve you and provide product support. 

By accessing our Online Services you are allowing this information to be available to Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser.

 

Cookies

A cookie is a small text file containing a string of characters sent to your computer or device when you visit a website. When you visit the website again, the cookie allows that site to recognize your browser. Cookies may store user preferences and other information. Cookies can then be used to help understand how a site or service is being used, help you navigate between pages efficiently, help remember your preferences, and generally improve your browsing experience. Cookies can also help ensure marketing you see online is more relevant to you and your interests.

Cookies are uniquely assigned to you and can be read only by a web server in the domain that issued the cookie to you. Cookies are not spyware. Spyware collects and sends private information simply by being connected to the Internet. Cookies are server-specific, meaning you generally have to be on that particular site for cookies on that page to be read.

Bank of Advance, as well as third-party vendors including Google, may use cookies to inform, optimize and serve content based on your visit to our websites. 

You have the option to accept or decline cookies during Internet use. By default, most web browsers accept cookies automatically. To decline cookie use, visit the Settings menu in your browser where you may clear your browser’s cookies or disable cookies. Keep in mind, this may disable certain functionality on our website and in your other Internet activities. For general visits and browsing on our website, cookies are not mandatory. Leaving the public website (such as, to log into online banking), will require cookies for optimal use. Without cookies, we will not be able to recognize your computer or device as a returning user.

 

Email Marketing

Email advertisements sent to you by Bank of Advance will include instructions on how to opt out of receiving such emails in the future. If you are a customer and you elect to opt out of receiving email advertisements, we may still send you emails about your account relationships with us.

Third Party Vendors and Links to Other Websites

We may place links to other websites or third party vendors on our websites and social media pages. Bank of Advance has no control over any other website and is not responsible for the content on any sites other than our own. Users assume all responsibility when they go to other sites via the links on our websites and social media pages, and they accept the individual privacy policies of those sites or third party vendors.

 

Children's Online Privacy Protection Act (COPPA)

The Children's Online Privacy Protection Act (COPPA), as set forth by The Federal Trade Commission, prohibits unfair or deceptive acts or practices in connection with the collection, use, and/or disclosure of personal information from and about children on the Internet. Accordingly, Bank of Advance does not intentionally collect personal information from children under age 13 on any of our websites without prior consent from their parents or legal guardians. To learn more about COPPA, please visit https://consumer.ftc.gov/articles/protecting-your-childs-privacy-online. 

 

Changes to these Practices

By using our website, you agree to the terms and privacy practices in this statement, including updates made to this agreement in the future.

 

Questions? Call 573.722.3517