This privacy policy applies to consumers that visit our website at www.tbobank.com. Your privacy is important to us. In this privacy policy, we explain how we collect, share, use, and protect your information.
TYPES OF INFORMATION WE COLLECT AND SOURCES
The following are examples of the types of information we collect and the sources:
- Your IP address, the type of operating system and browser you use, the identity of any website you came from, and the site you visit next. We may use cookies, web beacons or other technologies to collect and store this information.
- Information you provide in connection with your deposit account application, including your name, email address, mailing address, telephone number(s), deposit account numbers, social security number, and driver’s license number (or comparable identification number); Consumer reports from Consumer Reporting Agencies pursuant to the Fair Credit Reporting Act in connection with an application; Information from other third parties concerning your identity and information related to preventing fraud; Account information; and Your IP address, the type of operating system and browser you use, the identity of any website you came from, and the site you visit next. We may use cookies, web beacons or other technologies to collect and store this information.
- If you have enabled location services on your mobile device and agree to the collection of your location when prompted by the Services, Online Banking will collect your location information when you use the Services: for example, for our fraud detection services. If you do not wish Services to collect this information, you may decline the collection of your location when prompted or you may adjust the location services on your mobile device.
USE OF INFORMATION
We use the information discussed above in a number of ways, such as:
- Operating, evaluating, and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing, and other internal functions); and Responding to your requests and communicating with you.
- Processing your online deposit application;
- Processing transactions;
- Verifying your identity (such as when you access your account);
- Preventing and reporting fraud;
- Enhancing the security of your online deposit account and our online deposit services;
- Responding to your requests and communicating with you;
- Managing your online deposit account preferences;
- Performing analytics concerning your online deposit account;
- Performing analytics concerning our marketing, including your responses to our emails and the pages and advertisements you view;
- Providing you tailored content and marketing messages;
- Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);
- Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and For 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 aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.
DISCLOSURE OF INFORMATION
We may share the information we collect from and about you:
- As described in our Privacy Notice, including with TBO Bank’s third-party service providers;
- With third parties or affiliates in connection with a corporate transaction, such as a sale, consolidation, or merger of TBO Bank businesses;
- With other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property, or security of our customers or third parties; and
- With third parties in an anonymous or aggregated manner to help deliver products, services, and content that are tailored to you and for other purposes.
UNDERSTANDING COOKIES, WEB BEACONS, AND OTHER TRACKING TECHNOLOGIES
We may deploy and use cookies, web beacons, local shared objects, and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our website. “Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track Your areas of interest. Cookies may also enable us, our service providers, and other companies we work with to relate your use of our online services over time to customize your online experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies but doing so may degrade your experience with our website. Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements. These are principally used to help recognize users, assess traffic patterns, and measure site or campaign engagement. Local Shared Objects, sometimes referred to as “flash cookies” may be stored on your hard drive using a media player or other software installed on your device. Local Shared Objects are similar to cookies in terms of their operation but may not be managed in your browser in the same way.
DO NOT TRACK
Many web browsers possess a do-not-track feature that lets your browser tell websites you visit that you do not want to have your online activities tracked. At this time, our website does not respond to browser do-not-track signals.
LINKING TO THIRD-PARTY WEBSITES
TBO Bank may provide links to websites that are owned or operated by others (“third-party websites”). When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy notice/policy, terms of use and security practices of the linked third-party website before providing any information on that website.
SECURITY
To protect your personal information from unauthorized access and use, we use reasonable electronic and procedural safeguards to protect and limit access to personal information.
MINORS
Our website is not intended for persons under 18 years of age. We do not knowingly collect personal information from persons under 18 years of age.
ACCESSING OUR WEBSITE FROM OUTSIDE THE U.S.
Our website is intended for a U.S. audience. If you visit our website, your information will be transferred to or processed in the United States.
DATA RETENTION
If you wish to make a change to your login or accounts, please contact us or login to online banking. Username and password information may be deleted upon request. Information such as your usage history, account information, and banking activity will be retained in compliance with regulatory guidelines. We will only accept, see, and delete data requests made through the TBO Bank website or by calling us at 816.298.9398. We will accept correction requests by email at info@tbobank.com or by calling us at 816.298.9398.
CHANGES TO THIS PRIVACY POLICY
We may change this Online Privacy Policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to this Online Privacy Policy will become effective when posted or otherwise provided to you unless indicated otherwise.
CALIFORNIA RESIDENTS
Our California Privacy Statement is available here.
QUESTIONS
If you have questions about our privacy practices, please contact us at 816.298.9398 or info@tbobank.com.
If you believe you’ve discovered a potential vulnerability, please let us know by emailing us at ciso@tbobank.com.
Last Updated: Sept 2024
