Privacy

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

Types of Information We Collect

We may collect the following types of information when you use our products, services, or mobile application, or visit our websites:

• “Personal Information” is information that we may collect that identifies you as an individual, customer, or consumer. Examples of Personal Information include your name, date of birth, social security number or tax identification number, driver’s license number, mailing address, email address, government-issued photo identification, personal photograph of yourself, telephone number(s), telephone number data, and your account number(s).
• “Non-Personal Information” is information that we may collect that does not identify you as an individual, customer, or consumer. Examples of non-personal information are the version of your internet browser, your computer or mobile device’s operating system, information from tracking technologies, websites you visit, your computer’s IP address, and location information or other data.

When you are no longer our customer, we continue to share your information as described in this notice.

We collect Personal Information about you when you request information about, or apply for, our products or services, register for online or mobile account access, contact us for customer service, communicate with us through social media, or otherwise interact with us. We may also collect Personal Information about you from other sources, such as public databases, credit reporting agencies, social media platforms, affiliated companies, and other third parties.

We also collect Non-Personal Information about your online and mobile activity automatically using the following tracking technologies:

1. HTTP cookies (“Cookies”) are pieces of information that are stored directly on the device you are using. Cookies provide us with anonymous online and mobile activity information such as the time of your site visits and the pages you viewed. Cookies are commonly used with internet browsers, and do not harm your computer or device.
2. Mobile advertising ID’s (MAIDS) are similar to Cookies but are used in connection with a mobile device. MAIDs are user-specific, resettable identifiers provided by your mobile device’ operating system. When we use MAIDs, you remain anonymous. You can reset your MAIDS by following these steps: (a) for Google Android, open Google Settings on your Android device, tap the Ads Menu under Services, tap “reset advertising ID”, and confirm the reset when the confirmation prompt is displayed; for Apple devices, open the Settings app, tap Privacy, scroll down to the bottom of the page and tap Advertising, tap “reset Advertising Identifier”, confirm this choice by tapping “reset Advertising Identifier” again.
3. Web beacons and pixel tags (“Beacons and Tags”) are technologies that allow tracking of your online activity and websites you visited. Beacons and Tags may gather anonymous information such as your computer’s operating system, your computer’s IP address, and time and duration of your website visits.

We use information we collect about you to:

• process your requests for our products or services and provide those products or services to you;
• provide relevant information to you about our products and services, including, but not limited to, important changes to our policies and terms and conditions;
• make improvements to and personalize our products and services;
• communicate with you about your account(s) and transactions, including inviting you to participate in surveys, contests, and other promotions;
• track the effectiveness of our advertisements;
• detect, respond to, and protect against illegal activity, activity which may violate our business policies, or activity which may compromise our business operations or security;
• maintain and service your account; respond to your requests;
• detect, respond to, and protect against fraud, security breaches, identity theft, and other risks of harm;
• comply with applicable legal and regulatory obligations;
• honor your personal settings (e.g., font size, location), enhance your online and mobile experience;
• improve our products and services; and provide targeted marketing to you.

For our everyday business purposes –
Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes –
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We do not share

For our affiliates' everyday business purposes –
information about your transactions and experiences

No

We do not share

For our affiliates' everyday business purposes –
information about your creditworthiness

No

We do not share

For our nonaffiliates to market to you

No

We do not share

Call 225-654-2701

Bank of Zachary

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We are committed to keeping your information secure. To protect your information from unauthorized access and use, we use security measures designed to comply with federal and state law and meet recognized industry standards. This includes the use of encryption technology, contractual limitations on the use of your information with our service providers and subcontractors, and identity verification procedures.

We will not sell or lease the information we collect about you to third parties for any purpose, including for those third parties to engage in the direct marketing of their own products or services to you.

We collect your personal information, for example, when you

• Open an account or apply for a loan
• Use your credit or debit card or make deposits or withdrawals from your account
• Make a wire transfer

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Federal law gives you the right to limit only

• Sharing for affiliates' everyday business purposes – information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market you

You may disable these tracking technologies or opt-out of targeted advertising generally in the settings menu of your internet browser or mobile device. For Apple devices, open the Settings app, tap Privacy, scroll down to the bottom of the page and tap Advertising, then turn the Limit Ad Tracking button to “ON”. For Android devices, tap Menu, tap Google Settings, tap Ads, and then check the box identified as “Opt-out of interest-based ads.”

State laws and individual companies may give you additional rights to limit sharing. [See below for more on your rights under state law.]

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Bank of Zachary has no affiliates.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Bank of Zachary does not share with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Bank of Zachary doesn't jointly market.

Children’s Online Privacy

Our products and services are not directed to children. We do not knowingly solicit or collect Personal Information from children under the age 13, without parental consent. If you are a parent or guardian of a child under the age of 13 and become aware that he or she disclosed Personal Information to us, please contact us at the address below. For more information about the Children's Online Privacy Protection Act, visit the Federal Trade Commission’s website at https://www.ftc.gov/.

Mobile App Privacy

Our Mobile Banking Application may request access to information stored on your device such as location, contact lists, external storage, camera/photo information, images (for example, to deposit checks), contacts, or other features you are enrolled in to simplify your user experience, improve our services, and provide additional security to protect your account. The mobile application may also access other information as outlined in this policy.

It is important 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, you may update those permissions in your device settings.

Special Notice For State Residents

For Alaska, Illinois, Maryland, and North Dakota Customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization.

For Massachusetts, Mississippi, and New Jersey Customers: We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing without your authorization.

For Vermont Customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

For California Customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.