Summit National Bank Digital Banking Privacy Notice
Last Updated: July 2024
his Digital Banking Privacy Notice (“Notice”) applies to anyone who visits this Summit National Bank online interface through any means or any Summit National Bank affiliate or subsidiary online interface that links to this Notice (each online interface, a Site, and collectively, “Sites”). The term “Summit National Bank” (or “Summit,” “Bank,” “we,” “us,” or “our”) in this Notice refers to any affiliates of Summit National Bank that link to this Notice. This Notice describes how the Site may collect, use, and share information from or about you.
This Notice covers Summit National Bank’s online services, including the Summit website, Summit mobile apps, and Summit branded social media sites or pages, as well as any interactions you may have while viewing content provided through Summit National Bank’s digital advertising campaigns.
Use of this Site constitutes your acceptance of this Digital Banking Privacy Notice, which we may change or modify at any time at our sole and absolute discretion. By using our services, you are agreeing to the terms and conditions of this Notice. Please read them carefully.
If you have or have had a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Privacy Notice, which offers certain choices with respect to the use and sharing of your personal information.
INFORMATION COLLECTED
When you visit our Site or use our online services, we may collect personal information from or about you, such as your name, email address, mailing address, telephone number(s), account numbers, limited location information, username, and password. We may also collect payment information, Social Security numbers or business tax ID, and driver’s license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.
We also collect the content you create and upload while using our services. This may include photos and videos you send us, documents and forms you upload, and comments you make on Sites, in our apps, social media, and digital advertising campaigns.
We collect unique identifiers, browser type and settings, device type and settings, operating system, and mobile network information, including carrier name and phone number, application version numbers, Google Authenticated identifiers, Microsoft unique ID numbers, IP addresses, and personal information for remarketing audiences.
We collect online/mobile activity data. This data includes, without limitation, IP address, browser type, language, and display/screen settings; data about how you use and interact with the Site and mobile advertisements; data about your mobile device; advertising identifiers; geolocation data; social media preferences and other social media data; and other data that may be aggregated and/or de-identified (information that doesn’t identify individual consumers or customers).
OTHER INFORMATION WE COLLECT ONLINE
Other Information is any data other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags, and other technologies, demographic information, other information provided by you such as your date of birth, professional information, or household income, and aggregated and de-identified data.
PROTECTING CHILDREN’S PRIVACY ONLINE
The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. The Bank does not knowingly collect, use, or disclose personal information from or to children under age thirteen (13) without obtaining written, verifiable consent from a parent or legal guardian. Our Site is directed to a general audience, and it may be accessed by the public.
The Children’s Online Privacy Protection Act (“COPPA”) protects children under the age of thirteen (13) from the online collection of personal information. For more information about COPPA, visit the Federal Trade Commission website: http://www.ftc.gov.
WHY WE COLLECT INFORMATION
Summit National Bank uses third-party display advertising features to better understand our customers and their needs, offer the best experience and products, and fully utilize Google Analytics and Microsoft Advertising Features for our remarketing audiences.
We may also use the information discussed above in a number of ways, such as:
- Processing applications and transactions, including processing payments
- Verifying your identity (such as when you access your account information)
- Preventing fraud and enhancing the security of your account or our digital banking services
- Responding to requests and communicating with you
- Managing your preferences
- Performing analytics concerning your use of our digital banking services, including your responses to our emails and the pages and advertisements you view
- Providing tailored content and marketing messages so you may have a more relevant experience, even when you’re signed out of your account; if you don’t want this level of customization, refer to the Cookies section of this Notice
- Operating, evaluating, and improving our business (including the development of new products and services and the improvement of existing products and services)
- Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations, and our policies
- Additional business purposes, as outlined in our Privacy Notice, which explains why and how we share your information and how you can limit information sharing
- Any other purposes that we may specifically disclose at the time you provide, or we collect your information
We may also use data that we collect on an aggregated or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.
HOW WE COLLECT INFORMATION
Summit National Bank and its affiliates may also use various technologies, including cookies, tokens, and other online tracking devices, pixel tags, browser web storage or application data caches, databases, server logs, and clear GIFs (also known as web beacons) to collect online/mobile activity data, depending on your browser settings.
Cookies
Cookies are small amounts of data sent to your browser by a website you visit that capture information about your activity on the sites you visit; they are stored on your browser, app, or device to help track your areas of interest. We use this information to provide tailored content and marketing messages so you may have a more relevant experience, even when you’re signed out of your account. We will never use this information to show personalized content based on sensitive categories such as race, religion, sexual orientation, or health.
You can refuse to accept these cookies by configuring your device and browser settings accordingly. You will need to manage your cookie or token settings for each device and browser you use to access this Site. If you elect not to accept these cookies, you may experience some inconvenience during your use of this Site. You also may not receive personalized advertisements and offers from us that may be relevant to your interests and needs. You may also opt out of having some information collected by visiting the following links:
https://tools.google.com/dlpage/gaoptout/
https://account.microsoft.com/privacy/ad-settings
https://support.google.com/youtube/topic/9257518?hl=en&ref_topic=9257107,3230811,3256124
Through Your Browser or Device
Most browsers and/or devices collect certain information, such as your Media Access Control (MAC) address, device type, screen resolution, operating system version and internet browser type and version.
IP Address
We automatically identify and log IP Addresses in our server log files whenever a user visits the Site, along with the time of the visit and the visited page(s).
When You Use Our Social Media Pages
Summit National Bank has official pages on social media websites, including, but not limited to, Facebook® and LinkedIn®, that enable consumers and customers to discuss their experiences with our banking products and services. We may also partner with companies that operate social media websites through which you may engage with the Bank.
When you interact with us on social media websites and apps, we may collect information such as your likes, interests, feedback, and preferences. When you interact with our partners, you are subject to their terms of use and privacy policies. We may collect information from our social media partners, but only if you choose to share with them and they, in turn, share such information with us.
Never include sensitive personal, financial, or other confidential information such as your Social Security number, account number, phone number, mailing address, or email address when posting or commenting online. Any posts you make on our official social media pages – including posts that contain pictures, comments, suggestions, opinions, complaints, or personal information – are available to others who use those pages and are subject to the terms of use and privacy policies of the companies that operate the websites on which they appear. Please refer to the policies of those companies to better understand your rights and obligations regarding such posts. You are also subject to this Digital Banking Privacy Policy when you visit our official social media pages.
Third-Party Advertising Partners
We may contract with companies to distribute certain online advertisements on websites. These companies may use cookies and tracking pixels/web beacons to display advertisements of our products when you are on other third-party websites that are affiliated in some way with the advertising partners. We also include web beacons or similar technologies in our electronic communications to determine whether you open and act on them. The information collected and shared via cookies is not anonymous and may contain personal identifiable information (PII).
You may choose to opt out of the use of third-party marketing cookies through the Network Advertising Initiative. This opt-out is valid only for the computer/browser combination used to opt-out.
Our Use of Web Beacons and Analytics Services
Some Summit web pages contain electronic tags known as web beacons or tracking pixels that we use to help deliver cookies on our websites, count users who have visited those websites, and deliver co-branded products.
Third-Party Widgets
Some Summit webpages and apps contain certain widgets (e.g., social share buttons) that enable users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on those pages of our Sites where these widgets are located. You may wish to review information at the third-party site, such as social media platforms where you have an account, to determine how they collect and treat this information.
Linkage to External Sites
We may provide links to third-party external websites. If you follow links to websites not affiliated with or controlled by the Bank, review their privacy and security policies and other terms and conditions, as they may be different from ours. The Bank does not guarantee and is not responsible for the privacy or security of these third-party external websites or for any information represented in these websites.
Using Other Aggregation Sites
If you provide your Site username, password, or other information about your accounts with us to an aggregation website, we will consider that you have authorized all transactions or actions initiated by an aggregation website using access information you provide, whether or not you were aware of a specific transaction or action. If you decide to revoke the authority you have given to an aggregation website, we strongly recommend that you change your password for the Site to ensure that the aggregation website cannot continue to access your accounts.
How We Protect Your Information
Summit National Bank is committed to providing a safe online experience for our customers. We have enhanced our customer education and awareness program in light of emerging threats and an increasingly hostile environment. We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information. This includes device safeguards and secured files and buildings.
Please note that not all electronic channels are secure. We recommend that you don’t use unsecured communication networks or channels to communicate sensitive or confidential information (such as your Social Security number) to us.
To protect our customers, only those employees, agents, and contractors who need your information to service your accounts have access to the information you provide us. We also provide you with information that can help you keep your personal information safe.
Here are some of the ways we protect you:
- We use anti-virus protection to help us detect and prevent viruses.
- Our firewalls help block unauthorized access by individuals or networks.
- This Site’s Secure Hash Algorithm, 256-bit (SHA) with RSA encryption, creates a secure connection with your browser when you log in or register for online services.
- We don’t and won’t share your usernames and passwords with anyone.
- We automatically log you out of your secure session after a period of inactivity to help protect against others seeing or using your online accounts.
- We monitor activities for potential fraud.
- If we detect fraudulent activity or other forms of abuse, we may disable your account or take other appropriate action.
Updating Your Information
Keeping your account information up to date is very important. You may review or update certain account information by logging into your account. If you cannot change the incorrect information online or prefer to request changes offline, please visit or call your local branch visit the Locations option on our site for branch information or call the number on your account statements, records, or other account materials.
Security
We use security measures that comply with applicable federal and state laws to protect personal information from unauthorized access and use. Please refer to our Security Awareness site for more information.
Changes to This Notice
This Notice is subject to change at any time and from time to time at our sole and absolute discretion. It is your sole responsibility to review it periodically. If we modify the Notice, we will post the revised statement on our Privacy page and indicate the revision date at the top of this Notice. Any changes to this Notice will become effective immediately upon posting to this Site. Following these changes, your use of this Site constitutes your complete acceptance of the revised Notice.
CONTACT US
If you have any questions or complaints about this Privacy Notice or Online Banking data collection or processing practices, or if you want to report any security violations to us, please contact us by email at: customersupport@summitnb.com or by mail at: