Mobile App Privacy Policy

Online Privacy Policy

Last Updated: August 2023

Prairie Community Bank (“Bank”, “we”, “us”) respects and values your privacy. This Privacy Policy explains how we and our affiliates collect, share, use, and protect your Personal Information. This Policy applies to our customers, employees, and any other individual from whom we collect Personal Information when you interact with us online through our website or mobile applications (“Site”, “Services”).

If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.

INFORMATION WE COLLECT

We collect your Personal Information in different ways depending on how you interact with us:

(a) When you visit, register, or use our online services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example, a zip code to help you find a nearby ATM), user name and password. We may also collect payment card information, social security number, driver’s license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.

(b) The Site may collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history. We may capture your IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our online service you access, and the site you visit next. We or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services. In addition, we may later associate the usage and other information we collect online with personal information about you.

(c) For your convenience, we offer you the ability to access some of our products and services through mobile applications and mobile-optimized websites. When you interact with us through the Mobile App, we may collect information such as unique device identifiers for your mobile device, your screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device. Device images/videos may be accessed when you deposit a check or use a QR code to make peer to peer payments using Zelle or other payments functionality. Device contacts may be accessed when you make peer to peer payments using Zelle or other payments functionality. Device location may be accessed to detect and prevent card transaction fraud and also to provide branch and atm locations. We may ask your permission before collecting certain information (such as precise geo-location information) through the App.

(d) We may also collect information about you from additional online and offline sources including identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.

USE OF INFORMATION

We use your Personal Information in the following ways:

Processing and servicing applications and transactions you requested;
Verifying your identity (such as when you access your account information);
To maintain and improve our Services;
Responding to your requests and communicating with you;
Managing your preferences;
Monitoring online services usage and/or performance;
Send you administrative e-mail and/or push notifications, such as security or support and maintenance advisories;
Send surveys, offers, and other promotional martials related to the Services;
Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and
Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.

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 with our affiliates and other third-parties. For example, we may share your information for the purpose of:

To offer additional products and services to you;
For marketing purposes;
To conduct quality assurance testing;
Facilitating the creation of accounts; and
Technical support and/or to provide other services

We do not sell or otherwise share your Personal Information with third-parties.

LINKS TO OTHER SITES

Our Sites may contain links to third-party websites. When you click on a link to any third-party website or location, you will leave the Site and go to another site or another entity may collect personal and/or anonymous information from you. The Site’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy notice of every website you visit.

UNDERSTANDING COOKIES, WEB BEACONS AND OTHER TRACKING TECHNOLOGIES

We, or our service providers, and other companies we work with 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 services.

(a) Cookies, which are small text files that are placed on your computer to distinguish you from other visitors to our Site. The use of cookies helps us to improve your experience on our Sites by helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns. You may adjust your browser settings decline or delete cookies, but doing so may degrade your experience with our online services.

(b) We or our third-party advertising service providers may also use technologies to track users’ interactions with our Site. Some of these technologies include web beacons (transparent graphical images placed on a website), pixels, tags, and Flash objects (also referred to as “Local Shared Objects”). Please refer to your browser’s instructions to remove cached Sites, history, and images from your computer.

(c) If you enabled location services on your phone and agree to the collection of your location when prompted by the Sites, your location information will be collected for use of the Sites for example, to provide our fraud detection services. If you do not want our Sites to collect this information, you may decline the collection of your location when prompted or adjust the location service settings on your device.

(d) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. The App currently doesn’t take action in response to these signals. If and when a standard is established, the App may revise its policy on responding to these signals.

(e) Keeping your account information up-to-date is very important. You can access, update or correct your information by changing preferences in your account. If you cannot change the incorrect information online, or you prefer to request changes offline, you should contact us.

(f) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the “unsubscribe” link included in the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under “Contact Us” below. If you provide your phone number through the Services, the App may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.

(g) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to the App’s collection of location information, you may no longer be able to use some features of the Services.

SECURITY

We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.

Federal laws and regulations require that we retain original, active and historical records. Your personal and financial data will be retained for a period of five to ten years, depending on applicable laws, regulations and legitimate business needs.

CHILDREN’S ONLINE PRIVACY

The Services are not directed towards individuals under the age of 18, and we do not intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to the Site and the Site learns that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible. To learn more about the Children’s Online Privacy Protection Act (COPPA) please visit the Federal Trade Commission’s Website at https://www.ftc.gov/

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 with a new “Last Updated” date. Any changes to this Online Privacy Policy become effective when posted unless otherwise indicated. Your use of the Services following such posting constitute your agreement to the revisions.

If you have any questions or complaints about this Privacy Policy or the Service’s data collection or processing practices, or if you want to report any security violation to the Services, please contact Prairie Community Bank by email at: info@prairiecommunitybank.com; or by mail at:

Prairie Community Bank

PO Box 255

Marengo, IL 60152