Internet and Mobile Privacy Policy

Rev. 01/2023

The Bank of Commerce 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, on the Internet or on our mobile app.

The Bank of Commerce realizes 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 on the Internet and with that in mind we have developed the following policy.

Information Collected on the Mobile App:

The mobile application requests access to information stored on your device such as location, camera, contracts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.

It is important for you to understand that:

• Before granting access to this information, you will be prompted to give the application that permission.
• If you do not wish to grant that permission, you may decline.
• If you later change your mind, those permissions can be updated in your device’s settings.

Some examples of information your app will request access to are:

• Location
• Contacts
• Camera

To protect your personal information from unauthorized access and use, the Bank of Commerce uses security measures that comply with federal law.  These measures include computer safeguards and secure files and buildings.

The application information is retained in accordance with state and federal record retention laws.  Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.

Information Collected on the Internet:

If you are just browsing through our website, the Bank of Commerce does not request any personally identifiable 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.

The service providers that host our web site may collect general information on our website visitors simply to help us provide banking and other financial services to you online. They may collect information on our behalf for security and statistical purposes such as: 

• 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;
• The Internet service provider you used when you accessed our site;
• Your Internet Protocol (IP) address; and
• The pages visited in our website.

Our service providers may use cookies to collect this information on all website Visitors. They may also use session cookies for security purposes within our Internet Banking product. Additional information about IP addresses and cookies is provided below.

Internet Protocol (IP) Addresses:

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 service providers may use IP addresses to audit the use of our site.  They can and will use IP addresses to identify a user when necessary for security purposes.

What is a 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 cannot “read” information about you from your computer or be used to “steal” information about you. 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). 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 when you engage in secure Internet banking. For your security, our Service Providers do not store any of your personal information in cookies. The cookies used in our Internet banking system are further described below.

Internet Banking Cookies:

Our Internet banking product uses encrypted cookies that 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. Only our service provider can read the information in these cookies. This Internet banking cookie allows us 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, 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 pass code. The Bank of Commerce 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 product.

Disclosure and Use of Information Collected on the Internet:

The Bank of Commerce does not disclose any personal (non-public personal information) about our customers, former customers, or website visitors to anyone, except as permitted by law.  We must provide certain customer account information to service providers, in order to provide the Internet banking service and process your Internet banking transactions.

The Bank of Commerce does not sell any of your personal information; nor will we disclose any medical information that you provide to us unless you specifically authorize its disclosure.

The Bank of Commerce does reserve the right to disclose aggregate, general, non-personally identifiable information to service providers, consultants, and/or marketing companies in order to improve our product and help us market products and services that may be of interest you.

Email Policies:

If you agree to receive electronic disclosures, the Bank of Commerce may send annual email notices to remind you of our privacy policy.  We may also send email notices regarding any future updates to this policy as well as other Internet banking related disclosures and account statements.  This institution and its service providers may also send emails to market our products and services that may be of interest you.  We will provide an opportunity to opt-out of marketing related emails.

The Bank of Commerce offers secure email to our customers through our Internet Banking service.  You should always use the secure mail service anytime you send us sensitive personal information.

External 3rd Party Links: 

Our website has links to other 3rd party sites.  These links are offered as a courtesy and a convenience to our customers.

The Bank of Commerce is not responsible for the privacy practices or the content of such 3rd Party websites.  As a general rule, you should always look for and review a website’s privacy policy before giving out any personal information.

Third party merchants may collect personal information from you when you visit their sites.  For example, they collect personal information from you when you provide billing information or send them an email.  Some third-party merchants may also send you a cookie to collect data on your Internet usage and preferences.  When you click on advertisements at third party sites, the advertising company may also send you a cookie.  With the exception of our service providers, the Bank of Commerce does NOT have access to the information collected by any third party, nor can we control how they use this information.  If you have questions or concerns about the privacy policies and practices of these third parties, please review their websites and contact them directly.

Security:

The Bank of Commerce has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive 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.

Our Internet banking service provider 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 data center environment. For more information on our service provider's security measures, please visit their website at www.apiture.com.

Privacy of Children:

The Bank of Commerce respects the privacy of children.  We do not knowingly collect names or any other personally identifiable information from children on the Internet.  We do not knowingly market to children, nor do we allow children to open accounts online.

Questions:

If you have any questions about our privacy policy, please contact us at 620-326-7471.