At Cornerstone Community Bank, your privacy and the security of your personal information are paramount. This Online Privacy Policy outlines how we gather, utilize, share, and safeguard information when you interact with our online services. This includes our website, Cornerstone Community Bank Mobile app, and any other online services provided by our banking affiliates and subsidiaries that link to or reference this policy.
General Principles:
Our online services are primarily intended for a broad audience. If you access our services, your information may be processed in the United States.
Our services are not designed for children under 13, and we do not knowingly collect personal information from children without parental consent.
If you hold a financial product or service with us, the use and sharing of any information we collect are detailed in our Consumer Privacy Notice, offering you specific choices regarding your personal information.
California residents may have additional rights under the California Consumer Privacy Act (CCPA).
Information Collection:
We may collect personal information such as your name, contact details, account numbers, access to camera device and transaction details, as well as usage data such as your IP address, browser type, and information on your interactions with our online services. This may include data collected through cookies, web beacons, or similar technologies.
Scope of Information We Collect:
We collect a variety of information from and about you, including but not limited to:
- Identifiers: Name, postal address, online identifiers, and account information.
- Contact details: Email, phone number, and other communication data.
- Image Information: Access to camera device, for identity verification, mobile deposit captures, and profile personalization.
- Contact List Information: Access to your device's contact list for enhanced service functionality and fraud prevention.
- Financial Information: Transaction history, account balances, and payment details.
- Internet Activity: Browsing history, search history, interactions with our website and applications.
- Geolocation Data: Precise and approximate location data to provide location-based services.
- Professional Information: Employment details for application processes or financial assessments.
Purpose and Specific Usage of Data:
Your information is used to:
- Provide, maintain, and improve our services and products.
- Personalize your experience and tailor our interactions with you.
- Process transactions and send notifications about your transactions.
- Perform analytics and conduct customer research.
- Communicate with you about our products, services, and promotional offers.
- Detect, prevent, and investigate security breaches and fraud.
- Fulfill legal and regulatory requirements.
App Functionality:
Our foremost objective is to enhance the quality and efficiency of our digital banking services. By collecting specific data, we are able to develop innovative features that simplify your banking tasks, streamline transactions, and provide a seamless user interface that meets your financial needs.
Fraud Prevention, Security, and Compliance:
The integrity of your financial information and the security of your transactions are paramount. We leverage advanced data analytics to detect and prevent fraudulent activity, ensuring the safety of your account. Furthermore, we adhere to strict regulatory standards and legal requirements to maintain the highest levels of security compliance.
Direct Communication:
Building a transparent and responsive relationship with you is essential. The data we collect enables us to engage in meaningful and timely communication, offering support, resolving queries, and providing updates that are relevant to your banking experience. Our goal is to ensure that you always have a direct line to the assistance you need.
Personalization:
We believe your banking experience should be as unique as you are. By understanding your interactions with our services, we can deliver personalized product offerings, content, and marketing messages. This not only enhances your experience but also provides you with options that align with your financial goals and lifestyle preferences.
Sharing of Information:
- Trusted Affiliates and Third Parties: Your information is shared with affiliates and select third parties who assist in delivering requested services, ensuring they adhere to our privacy standards.
- Service Provision and Legal Compliance: Information sharing may be necessary for operational functions or to comply with legal requirements. Any sharing beyond this scope requires your explicit permission.
Protection Measures:
We enforce stringent security protocols, including encryption and access control, to safeguard your information against unauthorized access and misuse.
Your Rights:
You maintain the right to access, amend, or retract your consent regarding the use of your personal information, consistent with legal and contractual obligations.
Cookies and Tracking Technologies:
We employ cookies, web beacons, and similar technologies for fraud prevention and to analyze our marketing efforts. You can manage cookies through your browser settings, though this may affect your user experience.
Online Advertising and Behavioral Advertising:
We engage in online and behavioral advertising to deliver ads that are relevant to your interests. You have the option to opt-out of behavioral advertising through specific opt-out mechanisms provided.
Your Choices and Controls:
You have the right to:
- Access, review, and update your personal information through your online account settings.
- Opt-out of certain data uses and sharing with third parties.
- Request deletion of your personal information, subject to certain legal exceptions.
Security:
We use reasonable physical, electronic, and procedural safeguards to protect your personal information and comply with legal and regulatory standards.
Updating Your Information:
You are encouraged to keep your account information up to date. You can review and update your information through your online account or by contacting us directly.
Changes to This Policy:
We may update this Online Privacy Policy periodically. The "Last Updated" date at the top of this page will reflect the latest changes. Changes will be effective once posted.
Your privacy is critically important to Cornerstone Community Bank. We are committed to protecting your personal information and providing you with a secure online experience. If you have questions or need further information, please reach out to us.