Privacy Policy
Since our founding in 1903, it has been the goal of The Conway National Bank (CNB or the “Bank”) to earn the trust of all customers and the community at large. The privacy of customer transactions is the foundation of this effort and has always been a basis of our service. It is our policy to continue protecting your confidential information according to our high standards.
Please note the following disclosures required by the federal government and/or Google:
Please note the following disclosures required by the federal government and/or Google:
Our Privacy Disclosure Policy
Categories of Information That We May Collect
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 or others; and
• Information we receive from a consumer reporting agency.
Categories of Information That We Disclose
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law, which includes:
• With service providers and other third parties we use to support our business or the Website;
• For any purpose disclosed by us when you provide the information;
• With your consent; and
• As permitted under applicable law.
We do not sell your information to third parties.
Confidentiality and Security
We restrict access to nonpublic 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 to protect this information.
You may receive “opt out” disclosures from other institutions to allow them to share your nonpublic personal information for marketing or other purposes. At CNB, we do not need an “opt out” provision because we will not share your nonpublic personal information for marketing or other purposes unless you request it.
If you ever have questions or concerns about our Privacy Policy or the integrity of your account information, please contact us at your earliest convenience using the following contact information.
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 or others; and
• Information we receive from a consumer reporting agency.
Categories of Information That We Disclose
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law, which includes:
• With service providers and other third parties we use to support our business or the Website;
• For any purpose disclosed by us when you provide the information;
• With your consent; and
• As permitted under applicable law.
We do not sell your information to third parties.
Confidentiality and Security
We restrict access to nonpublic 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 to protect this information.
You may receive “opt out” disclosures from other institutions to allow them to share your nonpublic personal information for marketing or other purposes. At CNB, we do not need an “opt out” provision because we will not share your nonpublic personal information for marketing or other purposes unless you request it.
If you ever have questions or concerns about our Privacy Policy or the integrity of your account information, please contact us at your earliest convenience using the following contact information.
Contact Information
Conway National Bank
Attention: Compliance Officer
P.O. Box 320
Conway, SC 29528
Conway National Bank
Attention: Compliance Officer
P.O. Box 320
Conway, SC 29528
Email: banker@conwaynationalbank.com
Subject: Compliance Officer
Phone: 843-248-5721 or 843-238-2600
Online Banking Privacy Policy
The following discloses our information gathering and security procedures for this online banking system personal profile. To fully access the interactive feature offered on this site, we require each user to create a personal profile. Customer information provided by you and gathered through this online banking system shall become the property of The Conway National Bank. We take your personal privacy seriously. We understand your need to protect and safeguard sensitive personal and financial information. When using the online banking system, you can expect the same confidentiality and security you have when visiting your neighborhood branch, or as otherwise specifically agreed to or required by law. Our employees may access information about you only when needed to maintain your accounts or otherwise meet your needs. We train our employees to safeguard information according to established security standards and procedures, and we continually assess new technology for protecting information.
We may, from time to time, make changes to this Policy in order to accommodate new technologies, industry practices, regulatory requirements, or for other purposes. We encourage you to review this Policy periodically. If we do make changes to this Policy, we will let you know by posting the revised Policy with a new “Last Updated” date to the Website (and referencing the changes by a statement on the Bank’s home page). Changes to this Policy will become effective when it is posted on the Website. By continuing to use the Website, you are agreeing to accept the terms of the revised Policy.
Information We Collect
• Information you provide to us: We may collect personal information about you when you provide it to us while using or interacting with the Website, such as your name, email address, telephone number, mailing address, business name, login information, location, financial information, account information, messages you submit using the Website’s forms or chat features, pictures you submit, receipts you submit, and other information that may personally identify you. If you enable your mobile app to use facial recognition or fingerprint technology (“Biometric Information”), we will use that Biometric Information to validate your identity, but we do not collect or store your Biometric Information.
• Information we collect automatically: The Website may use technologies that collect certain information about you automatically. We may collect, among other things, your IP address, location, device type, date and time of visit, operation system, browser type and version, microphone, camera, your activities on the Website, and information about how you use the Website. If you are using the Website via a mobile device, we may also collect your mobile device’s unique device ID and information about other apps on your mobile device.
• Information we get from Third Parties: During the normal course of business, we may receive information about you from our third-party service providers, affiliates and other business partners. We may also receive information from third-party analytics on the Website that allows us to improve our Website and services.
• Information Collecting Technologies: The Conway National Bank and third parties may use technologies that collect information automatically, including cookies and web beacons. This includes Google Analytics, which The Conway National Bank uses to help us understand how you interact with the Website.
How We Use Information
Information you provide to us:
The Conway National Bank uses information that you have provided to us, as permitted under applicable law, to –
• Provide the Website related services and products;
• Respond to requests you have made for information, products or services;
• Marketing efforts, including keeping you informed about exciting new products and services or changes to existing ones;
• Provide you with the best customer support we can;
• Resolve problems and disputes with the Website;
• Improve our Website, products, and services;
• Maintain the security and integrity of the Website;
• Prevent fraud;
• Monitor and enforce compliance with this Policy; and
• Fulfill any other purpose or obligation for which you provide it or offer your consent.
Information we collect automatically or receive from Third Parties:
Information that is collected automatically or received from third parties may be used for a variety of business purposes. These include monitoring Website traffic, delivering relevant content, improving the Website, security of the Website, and overall use of the Website. We may use information that is de- identified, aggregated, or anonymous, for any purpose.
Disclosure of Information
We may share your information, including personal information:
• With service providers and other third parties we use to support our business or the Website;
• For any purpose disclosed by us when you provide the information;
• With your consent; and
• As permitted under applicable law.
Cookies
The Conway National Bank uses a common browser feature to set a “cookie” on your computer. A cookie is a small data file that allows an application to both store and retrieve login information through the user’s browser. This online banking system application uses cookies to save your ID when navigating from page to page and allows you access to member-restricted areas of the site. Cookies cannot read data off your hard disk or read cookie files created by other sites.
Children’s Privacy
We do not use the Website to knowingly solicit personal information from, or market to, children under the age of thirteen (13) without parental consent. For additional information regarding the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website.
Data Security
We are committed to protecting your personal information from unauthorized access or use. We will use commercially reasonable measures to protect information within our organization. Be aware that no data transmission or storage system is guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, immediately notify us in accordance with the CONTACT INFORMATION section of this Policy.
Preventing Identity Theft
In order to help us protect your information, it is important that you always keep your account information safe. We encourage you to never share your username, password, or PIN with anyone. By providing your username, password, or other credentials to any person or third party (including an aggregation service), you authorize that person or third party to initiate transfers to or from your account. The Conway National Bank will never initiate a request via email or text message requesting information such as your Social Security Number, username, password, PIN, or account number. If you receive an email or text message that appears to be from The Conway National Bank asking for sensitive information, you should be suspicious of the request and immediately contact us in accordance with the CONTACT INFORMATION provided in this Policy.
Linked Websites
Our Website may contain links to websites operated and maintained by third parties, including social media platforms. The Conway National Bank does not control, nor are we responsible for, the privacy or security of those websites, including the accuracy or reliability of their information. We encourage you to read the privacy policy of any website before disclosing your information, as they will likely differ from this Policy.
Changes to this Policy
The Conway National Bank may, from time to time, make changes to this Policy in order to accommodate new technologies, industry practices, regulatory requirements, or for other purposes. We encourage you to review this Policy periodically. If we do make changes to the Policy, we will let you know by posting the revised Policy with a new “Last Updated” date to the Website (and referencing the changes by a statement on the Bank’s home page). Changes to this Policy will become effective when it is posted to the Website. By continuing to use the Website, you are agreeing to accept the terms of the revised Policy.
Contact Us
If you have questions or comments about this Policy or our privacy practices in general, contact us using any of the “Contact Information” options within the Website.
We may, from time to time, make changes to this Policy in order to accommodate new technologies, industry practices, regulatory requirements, or for other purposes. We encourage you to review this Policy periodically. If we do make changes to this Policy, we will let you know by posting the revised Policy with a new “Last Updated” date to the Website (and referencing the changes by a statement on the Bank’s home page). Changes to this Policy will become effective when it is posted on the Website. By continuing to use the Website, you are agreeing to accept the terms of the revised Policy.
Information We Collect
• Information you provide to us: We may collect personal information about you when you provide it to us while using or interacting with the Website, such as your name, email address, telephone number, mailing address, business name, login information, location, financial information, account information, messages you submit using the Website’s forms or chat features, pictures you submit, receipts you submit, and other information that may personally identify you. If you enable your mobile app to use facial recognition or fingerprint technology (“Biometric Information”), we will use that Biometric Information to validate your identity, but we do not collect or store your Biometric Information.
• Information we collect automatically: The Website may use technologies that collect certain information about you automatically. We may collect, among other things, your IP address, location, device type, date and time of visit, operation system, browser type and version, microphone, camera, your activities on the Website, and information about how you use the Website. If you are using the Website via a mobile device, we may also collect your mobile device’s unique device ID and information about other apps on your mobile device.
• Information we get from Third Parties: During the normal course of business, we may receive information about you from our third-party service providers, affiliates and other business partners. We may also receive information from third-party analytics on the Website that allows us to improve our Website and services.
• Information Collecting Technologies: The Conway National Bank and third parties may use technologies that collect information automatically, including cookies and web beacons. This includes Google Analytics, which The Conway National Bank uses to help us understand how you interact with the Website.
How We Use Information
Information you provide to us:
The Conway National Bank uses information that you have provided to us, as permitted under applicable law, to –
• Provide the Website related services and products;
• Respond to requests you have made for information, products or services;
• Marketing efforts, including keeping you informed about exciting new products and services or changes to existing ones;
• Provide you with the best customer support we can;
• Resolve problems and disputes with the Website;
• Improve our Website, products, and services;
• Maintain the security and integrity of the Website;
• Prevent fraud;
• Monitor and enforce compliance with this Policy; and
• Fulfill any other purpose or obligation for which you provide it or offer your consent.
Information we collect automatically or receive from Third Parties:
Information that is collected automatically or received from third parties may be used for a variety of business purposes. These include monitoring Website traffic, delivering relevant content, improving the Website, security of the Website, and overall use of the Website. We may use information that is de- identified, aggregated, or anonymous, for any purpose.
Disclosure of Information
We may share your information, including personal information:
• With service providers and other third parties we use to support our business or the Website;
• For any purpose disclosed by us when you provide the information;
• With your consent; and
• As permitted under applicable law.
Cookies
The Conway National Bank uses a common browser feature to set a “cookie” on your computer. A cookie is a small data file that allows an application to both store and retrieve login information through the user’s browser. This online banking system application uses cookies to save your ID when navigating from page to page and allows you access to member-restricted areas of the site. Cookies cannot read data off your hard disk or read cookie files created by other sites.
Children’s Privacy
We do not use the Website to knowingly solicit personal information from, or market to, children under the age of thirteen (13) without parental consent. For additional information regarding the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website.
Data Security
We are committed to protecting your personal information from unauthorized access or use. We will use commercially reasonable measures to protect information within our organization. Be aware that no data transmission or storage system is guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, immediately notify us in accordance with the CONTACT INFORMATION section of this Policy.
Preventing Identity Theft
In order to help us protect your information, it is important that you always keep your account information safe. We encourage you to never share your username, password, or PIN with anyone. By providing your username, password, or other credentials to any person or third party (including an aggregation service), you authorize that person or third party to initiate transfers to or from your account. The Conway National Bank will never initiate a request via email or text message requesting information such as your Social Security Number, username, password, PIN, or account number. If you receive an email or text message that appears to be from The Conway National Bank asking for sensitive information, you should be suspicious of the request and immediately contact us in accordance with the CONTACT INFORMATION provided in this Policy.
Linked Websites
Our Website may contain links to websites operated and maintained by third parties, including social media platforms. The Conway National Bank does not control, nor are we responsible for, the privacy or security of those websites, including the accuracy or reliability of their information. We encourage you to read the privacy policy of any website before disclosing your information, as they will likely differ from this Policy.
Changes to this Policy
The Conway National Bank may, from time to time, make changes to this Policy in order to accommodate new technologies, industry practices, regulatory requirements, or for other purposes. We encourage you to review this Policy periodically. If we do make changes to the Policy, we will let you know by posting the revised Policy with a new “Last Updated” date to the Website (and referencing the changes by a statement on the Bank’s home page). Changes to this Policy will become effective when it is posted to the Website. By continuing to use the Website, you are agreeing to accept the terms of the revised Policy.
Contact Us
If you have questions or comments about this Policy or our privacy practices in general, contact us using any of the “Contact Information” options within the Website.
Mobile Application Privacy Policy
The primary licensor for The Conway National Bank’s mobile banking service is Jack Henry & Associates, Inc. (the “Provider”). Provider may access personal information while you use its mobile application. Provider may ask for a mobile phone number or email address. Provider will use this contact information to alert you about app-related events or actions that require your attention. If you grant permission to use phone information, Provider will use the phone number to pre-populate forms that expect a personal phone number for contacting. If you grant permission to use your device’s location, Provider will use the data when checking for nearby branch and ATM locations. If you grant permission to access photos, media, or other files stored on your mobile device, Provider will use that information to add an image to a transaction or to capture images of a check that is being deposited with the mobile application.
Provider may collect and store the following information: application version, device system name, device system version, and device model for the purpose of internal reporting, troubleshooting and tracking application usage per individual applications and version. In addition to this Mobile Application Privacy Policy, The Conway National Bank maintains a privacy policy covering the personal and financial information related to your use of the Bank’s services and products, including such information that may be gathered through use of this mobile banking service.
Mobile Banking Security
The mobile banking service (CNB2GO) utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, password access, and application time-out when your phone is not in use. No account data is ever stored on your phone, and in the event your phone is lost or stolen, CNB2GO can be immediately disabled by either visiting the CNB Online Banking Website and changing your “Mobile Settings” or by calling CNB.
While CNB2GO has strong security measures in place, it would be prudent to follow some basic security tips to protect your information:
• Avoid storing sensitive information like passwords and social security numbers on your mobile device;
• Password protect your mobile device and lock it when you are not using it;
• Be aware of your surroundings. Do not type any sensitive information if others around you can see;
• Log out completely when you complete a CNB2GO session;
• Protect your phone from viruses and malware, just like you would for your computer, by installing mobile security software;
• Download and install updates for your phone and mobile apps;
• Use discretion when downloading mobile apps;
• Be mindful of phishing scams from texting, called smishing, which will compromise the device’s security and could allow cyber-criminals to obtain information that will result in online banking fraud;
• If you change your phone number, remember to update the “Mobile Settings” on your CNB Online Banking account from a PC as soon as possible;
• If your mobile device is lost or stolen, contact your cell phone provider and CNB as soon as possible;
• Monitor your accounts regularly and report suspicious activity to CNB immediately; and
• If any other questions, please call 843-488-8360 during regular banking hours.
Mobile Banking Security
The mobile banking service (CNB2GO) utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, password access, and application time-out when your phone is not in use. No account data is ever stored on your phone, and in the event your phone is lost or stolen, CNB2GO can be immediately disabled by either visiting the CNB Online Banking Website and changing your “Mobile Settings” or by calling CNB.
While CNB2GO has strong security measures in place, it would be prudent to follow some basic security tips to protect your information:
• Avoid storing sensitive information like passwords and social security numbers on your mobile device;
• Password protect your mobile device and lock it when you are not using it;
• Be aware of your surroundings. Do not type any sensitive information if others around you can see;
• Log out completely when you complete a CNB2GO session;
• Protect your phone from viruses and malware, just like you would for your computer, by installing mobile security software;
• Download and install updates for your phone and mobile apps;
• Use discretion when downloading mobile apps;
• Be mindful of phishing scams from texting, called smishing, which will compromise the device’s security and could allow cyber-criminals to obtain information that will result in online banking fraud;
• If you change your phone number, remember to update the “Mobile Settings” on your CNB Online Banking account from a PC as soon as possible;
• If your mobile device is lost or stolen, contact your cell phone provider and CNB as soon as possible;
• Monitor your accounts regularly and report suspicious activity to CNB immediately; and
• If any other questions, please call 843-488-8360 during regular banking hours.
