Customer information

Customer Information refers to personally identifiable information about a consumer, customer or former customer of this Institution.

Internet Protocol (IP) Address

An IP address is a unique address that devices use in order to identify and communicate with each other on a computer network.  An IP address can be thought of as a street address or a phone number for a computer or other network device on the Internet. Just as each street address and phone number uniquely identifies a building or telephone, an IP address can uniquely identify a specific computer or other network device on a network. We may use IP addresses to monitor login activity and for identification purposes when necessary for security investigations.

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 are a basic way for a server to identify the computer you happen to be using at the time. 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 in secure Internet banking.

“Session” Cookies are used to monitor session activity within our Internet banking product. These Cookies are encrypted and only our Service Provider can read the information in these Cookies.  The session Cookie facilitates the processing of multiple transactions during a session without requiring you to reenter your passcode for each individual transaction.  Session Cookies used within our Internet banking product 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.  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 10 minutes of inactivity. It must then be renewed by reentering your passcode. We do not use this Cookie to collect or obtain personal information about you.

An encrypted non-expiring Cookie is also used within our Internet banking product for the identification of this Institution.

Service Provider

In order to provide a full range of online financial services, we may use various third party providers.  These third parties provide services such as: website hosting, Internet banking, bill payment, and account aggregation.  Third party providers are referred to within this policy as “Service Providers”.

If you are just browsing through our website, we do not request any personally identifiable Customer 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.

As part of providing online financial products or services, we may obtain information about our customers and website visitors from the following sources:

• Information we receive from you on applications, emails, or other forms;
• Information about your transactions with this Institution and our affiliates;
• Information we receive from a consumer-reporting agency; and
• Information that is generated electronically when you visit our website or use our online financial services.

Service Providers hosting our website and Internet banking service may collect general information on our website visitors for security and statistical purposes.  Such information 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;
• The pages visited in our website; and
• The duration of your online session.

Our Service Providers may use Cookies to collect some of the above information. In some cases, you must accept cookies in order to view our website.

When you click on advertisements in our website or advertisements on linked 3rd party web sites, you may receive another Cookie; however, you do not have to accept any Cookies from third party advertisements.

As mentioned previously, our Service Provider(s) may also use Cookies within our Internet banking and bill payment products. You must accept these Cookies in order to utilize the service.  These Cookies do not store any personally identifiable information; they simply provide another level of security.

• We may disclose the information that we collect, as described above, with Service Providers acting on our behalf to provide online financial services such as: Internet banking and bill payment.

• We may also disclose Customer Information when required or permitted by law.  For example, Customer Information may be disclosed in connection with a subpoena or similar legal process, fraud prevention, or security investigation.

• We may also share Customer Information outside this Institution when we have your consent, such as when you request a specific product like insurance or an investment product from a third party financial services provider.

• We may also disclose aggregate (not personally identifiable) Customer Information with Service Providers or financial institutions that perform marketing and research services on our behalf and with whom we have joint marketing agreements. Our contracts require all such Service Providers/or financial institutions to protect the confidentiality of your Customer Information to the same extent that we must do.

• We do not disclose any Customer Information about our customers, former customers, website visitors to anyone, except as permitted or required by law.

• We do not sell any of your personal information.

Account aggregation sites allow you to consolidate account information from several sources into one online location.  In order to provide this service, an aggregation provider may request your passcode and login information. You should ensure that the aggregation provider has appropriate policies to protect the privacy and security of any information that you provide.

If you provide information about your United Southern Bank accounts to an aggregation provider, we will consider all transactions initiated by an aggregator using the access or login credentials that you provide, to be authorized whether or not you were aware of a specific transaction.

If you decide to revoke the authority given to an aggregation provider, we strongly recommend that you also change your online passcode with this Institution.  This will help ensure that the aggregation company cannot continue to access your account(s) with us.

When you enroll for our online services, we will send you a welcome email.  We may also send emails marketing various products and services offered by this Institution. We will always provide you an opportunity to opt-in or opt-out of marketing related emails.

We will also send security related email notices when you sign-up for email (“notify me”) alerts on your account(s) or whenever you change your passcode, security question, or email address.

If you agree to accept electronic disclosures and/or online account statements, we may also send you notices of important account updates through email. For example, if you have agreed to accept disclosures electronically, we may send you an email with updates to this privacy policy and/or we may send you a notice that your account statement is available for viewing on our website.   For more information on how to enroll for electronic disclosures, please contact us at 270-885-0056 or 888-872-0015.

While email is convenient and has a good business use, it can also be misused by criminals for scams and various other fraudulent purposes.   “Phishing emails” are frequently used by criminals to entice the recipient to visit a fraudulent website where they try to convince the recipient to provide personal information, such as ATM card numbers, account numbers, Social Security numbers, access Ids and passcodes.  Some of these fraudulent websites may also be virus laden and can be used to download mal-ware to your computer.  Fraudulent websites often look identical to a legitimate site, so it’s important to look very closely at the website address.

Below we have listed a few tips to help protect your personal information on the Internet:

• Always be wary of links in emails, especially any links in emails purporting to be from this Institution.

• Please remember that if we send you an email, we will never ask for personal information such as your account number, ATM card number, PIN number, or social security number.

• Bookmark financial websites and use these bookmarks every time you visit the website.

• Whenever you enter personal information like your access ID or passcode, always look for the lock symbol, or https: in the address bar. Always click on the lock symbol and review the certificate details.

• Update your Internet browser! Most browsers now offer free anti-phishing tool bars that can help alert you of fraudulent websites.

• If you send us an email, please do not include any confidential, personal or sensitive information in the email message, as email messages are generally not secure.  We do offer secure messaging through our Internet Banking product and you may use this secure messaging feature if you need to send us sensitive or confidential information.

• Make sure that your computer always has up-to-date versions of both anti-spyware and anti-virus software.

• If you receive an e-mail that you think could be a scam, delete it immediately or forward the email to spam@uce.gov.

• If you have any questions about the legitimacy of an email, especially an email from this Institution, you can also call us at this number 270-885-0056 or 888-872-0015, or forward the email to info@usbky.com.

We may use the following third-party Service Providers, that help us manage and maintain the website, and/or provide cookies to monitor and analyze the use of our website, these include:

Google Analytics

United Southern Bank uses a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our website. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having your activity on the website available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about your visit activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy

Google Adwords

United Southern Bank may use an online advertising service developed by Google, through which we may pay to display brief advertisements, service offerings, product listings, and video content within the Google ad network to web users. Google Adwords uses conversion tracking to help us see when ads lead to conversions from various sources. For example, Google Adwords makes it possible to track when a visitor completes an action on our website. This could be clicking a link, or any other valuable action.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy

We may use the data we collect for various purposes to:

• Provide and maintain the website
• Allow you to participate in interactive features of our website when you choose to do so
• Provide customer care and support
• Provide analysis or valuable information so that we can improve our website
• Monitor the usage of the our website
• Detect, prevent and address technical issues

We generally discard information about you when we no longer need the information for the purposes for which we collect and use it–which are described in the section above on How and Why We Use Information and we are not legally required to continue to keep it.

For example, we keep the web server logs for a period of time in order to, among other things, analyze traffic to websites and investigate issues if something goes wrong.

You have several choices available when it comes to information about you:

• Limit the Information that You Provide: you may choose not to use any of the online forms (contact forms) available on our website. You may instead call us directly: 270.885.0056 or Toll Free: 1.888.872.0015.
• Limit Access to Information On Your Mobile Device: Your mobile device operating system should provide you with the ability to discontinue our ability to collect stored information. If you do so, you may not be able to use certain features of the website.
• Set Your Browser to Reject Cookies: Please see the section below on How to Manage Cookies.

How to Manage Cookies

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

You can choose not to accept cookies from any website, by changing the settings of your browser. You can also delete cookies stored in your browser at any time.

For more information about cookies, including how to delete them from your computer and configure your browser to refuse them from any other site, visit the following resource, or refer to your individual browser settings for additional information on disabling cookies:

USA.gov

If you are located in certain countries, including those that fall under the scope of the European General Data Protection Regulation (AKA the “GDPR”), data protection laws give you rights with respect to your personal data, subject to any exemptions provided by the law, including the rights to:

• Request access to your personal data;
• Request correction or deletion of your personal data;
• Object to our use and processing of your personal data;
• Request that we limit our use and processing of your personal data; and
• Request portability of your personal data.
• If would like to contact us about one of the other rights, scroll down to Contact Us to find out how to reach us.

EU individuals also have the right to make a complaint to a government supervisory authority.

A note here for those in the European Union about our legal grounds for processing information about you under EU data protection laws, which is that our use of your information is based on the grounds that we have a legitimate interest in using your information: to provide and update our website, to improve our website so that we can offer you an even better user experience, to safeguard our website, to communicate with you, to measure, gauge, and improve the effectiveness of our advertising, and better understand user retention and attrition, to monitor and prevent any problems with our website; and/or you have given us your consent– upon accessing this website, you received a notification that we place certain cookies on your device and access and analyze them later on, as described in our Tracking & Cookies section.

This Institution and our Service Providers have developed strict policies and procedures to safeguard your Customer Information.  Our policies require confidential treatment of your personal information.  We restrict employee access to your personal information on a “need to know” basis and we take appropriate disciplinary measures to enforce employee privacy and confidentiality responsibilities.   We have established training programs to educate our employees about the importance of customer privacy and to help ensure compliance with our policy requirements.

Furthermore, this Institution and our Service Providers maintain strong physical, electronic and procedural controls to protect against unauthorized access to customer information.  Our computer systems are protected in the following ways:

• Computer anti-virus protection detects and prevents viruses from entering our website, email, and computer network systems.

• Firewalls and intrusion prevention systems block unauthorized access by individuals or networks.

• We use encryption technology, such as Secure Socket Layer (SSL), to protect the transmission of your confidential information.  Whenever you login to our Internet banking product or schedule an online transaction through our system, the communication is encrypted. Encryption scrambles transferred data so it cannot be read by unauthorized parties.

• We use strong multi-level authentication and behavior analysis to help prevent unauthorized access to your accounts.  Multi-level authentication can help prevent access by someone who may have stolen your login credentials.

• We provide secure email through our Internet Banking product to help ensure that your communications with us are confidential.

We continually monitor technological advances and upgrade our systems to ensure your information remains secure.

COPPA, the Children’s Online Privacy Protection Act, protects children under the age of 13 from the collection of personal information on the Internet.  This financial institution respects the privacy of children. We do not knowingly collect names, email addresses, or any other personally identifiable information from children.  We do not knowingly market to children, nor do we allow children under 13 to open online accounts.

This policy may be updated from time-to-time as new products and features may require changes to our Internet Privacy Policy.  The effective date of our policy will always be clearly displayed. If we make any changes regarding the use or disclosure of your personal information, we will provide you prior notice and the opportunity to opt-out of such disclosure if required by law.

If you have any questions about our privacy policy or concerns about our privacy practices, please contact us at 270-885-0056 or 888-872-0015 or info@usbky.com.