First National Bank of McGregor 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.
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.
Our Portal is jointly offered with the FundsXpress Financial Network, Inc. ™ FundsXpress does not link IP addresses to anything personally identifiable, which means that a user's session will be logged, but the user remains anonymous to FundsXpress and us.
FundsXpress may use IP addresses to audit the use of our site. FundsXpress can and will use IP addresses to identify a user when necessary for security purposes.
A cookie is a very small text file sent by a web server and stored on your hard disk on 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; cookies don't carry viruses; and cookies are not programs that can perform functions on your computer.
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), and cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies do perform a very important function when you engage in secure Internet banking. The cookies used in our Internet banking system and Portal are described in later sections of this policy.
Our Portal has numerous links to other 3rd party sites. These links to external third parties are offered as a courtesy and a convenience to our customers. First National Bank of McGregor is not responsible for the privacy practices or the content of such web sites service provider.
If you have questions or concerns about the privacy policies and practices of these third parties, please review their websites and contact them directly. First National Bank of McGregor assumes no responsibility for the content, safety, security, or privacy of any such site or any transactions you conduct through them.
We collect nonpublic personal information about our customers from the following sources:
• Information we receive from you on applications, emails, or other forms;
• Information you provide when you choose to customize the portal;
• Information about your transactions with us and others;
• Information we receive from a consumer-reporting agency; and
• Information that is generated when you contact us electronically.
Our Internet financial services provider, FundsXpress Financial Network, Inc. ("FundsXpress"), also collects and maintains general information about our customers simply to help us provide banking and other financial services to you online. They may also collect certain information for security and statistical purposes. The information collected for these purposes may include:
• The Internet address (referral site) which brought you to our web site;
• The date and time you access our site;
• The name and version of your web browser;
• Your Internet Protocol (IP) address;
• Cookie Content; and
• The pages visited in our website and/or Portal.
Visitors to our website remain anonymous. We do not 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. Neither FundsXpress nor First National Bank of McGregor send website visitors a "cookie"; however, if you are an Internet banking customer, FundsXpress will send you a cookie for security purposes. Additional information on this cookie is discussed below.
Our Internet banking service provided by FundsXpress uses encrypted cookies that do not pass to your computer. Instead, the cookie is stored in the memory of your browser, identifying only your computer while you are logged on. Only FundsXpress can read the information in these cookies. This Internet banking cookie allows FundsXpress 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, close your browser, or turn off your machine, 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 10 minutes of inactivity. It must then be renewed by reentering your pass code.
FundsXpress 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.
FundsXpress collects general information on all Portal visitors through a cookie. This cookie is sent to your computer and provides us information, such as when you accessed our site, which pages you accessed in the portal, and what Internet provider you used when you accessed our site. The information collected through this cookie is not personally identifiable and is only used for statistical purposes to assist us in our planning process and our marketing program.
When registered users login and select the "Remember Me" checkbox FundsXpress sends another cookie to your computer. This "Remember Me" cookie enables you to customize the Portal and bypass the login process each time you revisit the Portal. This cookie is retained on your computer until you either delete it or click on the Logout link within the Portal. This cookie does not contain or collect personally identifiable information and is only tied to a user identification number.
When registered users login to the Portal, FundsXpress will send an additional cookie called a "per-session" cookie or "server-side" cookie. This "server-side" cookie resides in the browser and is only used by FundsXpress to monitor the session by a unique identification number. This cookie is used for security purposes and you must allow your browser to accept the "server-side" cookie to use the Portal. The cookie is destroyed after eight hours.
• We do not disclose any nonpublic personal information about our customers, former customers, website visitors or portal visitors to anyone, except as permitted by law.
• We must provide certain customer account information to service providers such as FundsXpress so that we may process your banking transactions.
• We do not sell any of your personal information.
• We may disclose a portion of the customer information we collect on the Portal to companies or financial institutions that perform marketing services on our behalf and with whom we have joint marketing agreements. We have such an agreement with FundsXpress. Our contract requires FundsXpress to protect the confidentiality of your personal information to the same extent that we must do. The disclosure of certain information to FundsXpress can help us market financial products and services that may be of particular interest to you or save you money.
• In the future FundsXpress may send you an email and/or use aggregate non-personally identifiable information to help us market other products and services that may be of interest you. However, we will provide you an opportunity to opt-in or opt-out of these advertising promotions as required by law.
Customers and Visitors to our Portal may have access to a service called the FX Wallet. FundsXpress Financial Network, Inc. makes this product available to you. The FX Wallet is a software program that allows you to purchase products conveniently from merchant Web sites.
The FX Wallet will store your name, address, email address, and credit card information, all of which is used for purchasing products and services from online merchants.
The personal information that you provide to the FX Wallet is stored securely with FundsXpress. FundsXpress may contract with a 3rd party service provider to store this information. FundsXpress will require any 3rd party contractors to protect the confidentiality of your information to the same extent that they must do. For additional information on the FX Wallet, please refer to www.fundsxpress.com.
First National Bank of McGregor has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your nonpublic 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 offer secure email through our Internet banking services. You should use the secure mail service anytime you send us sensitive personal information.
Our Internet banking service provider, FundsXpress, 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 FundsXpress environment. For more information on the FundsXpress security measures, please visit www.fundsxpress.com.
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 (254) 840-2836.
After reviewing the information, if you believe any of the information is in error, contact us either by phone or email
firstname.lastname@example.org or send 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 this financial institution or FundsXpress has collected about you has been used for an improper purpose, please contact us at
email@example.com or contact FundsXpress at firstname.lastname@example.org. Explain your concerns in as much detail as possible so that we may take any appropriate action.
This website is not targeted or marketed to children.
Fair Credit Reporting Act Notice
If you prefer that we do not disclose nonpublic personal information about you to our affiliates, you may opt out of those disclosures. That is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to our affiliates, you may call the following toll-free number (254) 840-2836 or send us email at email@example.com
The COPPA and the Federal Trade Commission's implementing regulations (16 CFR 312) generally apply to financial institutions that operate commercial websites or online services that are directed to children, or that operate websites or online services and knowingly collect personal information from children under the age of 13.
This financial institution does not consider our Website to be directed at children less than 13 years old, but individuals within this age group could register for online accounts.
We want to help parents protect the privacy of children so when we identify applications or enrollment forms from a customer/member under the age of 13, we will send a Parental Consent Form to the physical address provided in the enrollment form. If the parent or guardian decides not to allow the online account or does not return the consent form within thirty days, we will decline acceptance of Internet banking accounts and services.
A parent or guardian has the right to review the personal information collected on a child under 13 years old. If requested, the parent or guardian can have the information deleted and refuse to allow any further collection or use of the child's information. To make such requests, please contact our Internet Banking Department at (254) 840-2836.