City State Bank’s Privacy Policy
City State Bank is pleased to offer financial services to customers via the Internet. The Bank understands and shares the concern that visitors may have regarding privacy on the Internet and is committed to protection of customer information.
City State Bank does not collect personal identifying information about visitors to our Web site, unless you choose to provide such information to us. We collect and store only the following non-identifying information about visitors: the name of the domain from which the Internet was accessed; the date and time our Web site was visited; and the Internet address of the Web site linked to our site.
Visitors may wish to communicate with us by e-mail, our information request forms, or our feedback form. This information is used internally, as appropriate to handle the sender’s request. We treat information submitted to us by e-mail as confidential and use it only for appropriate business purposes. However, e-mail communications may not be wholly secure from interception. If you are sending nonpublic personal or other confidential information, you should consider calling us at (515) 981-4234 or writing to us at: City State Bank, PO Box 159, Norwalk, Iowa 50211.
We may ask visitors for personal information when the Bank’s Web site is used to apply for accounts or services. We will ask only for information needed to process applications or provide the services requested. We will not sell or make customer information available to outside sources except as allowed or required by law. We use a combination of access, authentication, and encryption to create a secure and confidential PC banking environment and to ensure that information submitted online remains confidential. Our technology is periodically updated and tested to continue to provide the highest level of protection.
For additional security, we recommend that customers applying for accounts or services terminate their browser session before leaving the computer.
City State Bank Mobile Banking (the “App”)
The App allows you to:
- get real-time balances for your accounts
- manage your money
- view your transactions and statements
- make transfers
- pay your bills and manage billers
- deposit a check
- receive alerts
- manage your debit card
This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”).
The Types of Information We Collect in the App
Through your use of the Services, we may collect personal information from you in the following ways:
Personal Information You Provide to Us.
- We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.
- We will 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.
- If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
- We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.
Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:
- Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.
- Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
- Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
- Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
- Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
- Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect your location information when you use the Services; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
How We Use Your Information Collected in the App
General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:
- facilitate the creation of, and secure and maintain your account;
- identify you as a legitimate user in our system;
- provide improved administration of the Services;
- provide the Services you request;
- improve the quality of experience when you interact with the Services;
- send you administrative e-mail notifications, such as security or support and maintenance advisories; and
- send surveys, offers, and other promotional materials related to the Services.
Compliance and protection. We may use your personal information to:
- comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;
- protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
- audit our internal processes for compliance with legal and contractual requirements and internal policies;
- enforce the terms and conditions that govern the Service; and
- prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.
Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.
Disclosure of Your Personal Information
We disclose your personal information collected through your use of the Services as described below.
In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.
Authorities and Others. Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.
Links to Other Sites
The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’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 policy of every website you visit.
Your Choices Regarding Your Information
You have several choices regarding use of information on the Services.
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. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us.
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 at 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, we 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.
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 our collection of location information, you may no longer be able to use some features of the App.
Safeguards
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.
The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.
Privacy Policy Updates
This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgment of such changes.
Contact Us
If you have any questions or complaints about this Privacy Policy or the App’s data collection or processing practices, or if you want to report any security violations to the App, please contact us by email at: info@citystatebank.com; by phone: 515-981-4324; or by mail at:
City State Bank
PO Box 159
Norwalk, Iowa 50211
Terms of Use
These terms govern the use of this website. We require that all visitors to our site adhere to the following terms and conditions. Please read them carefully before accessing the site. If you do not agree with these terms and conditions below, you should not access this site, or any pages therein.
Website Content
The materials on this website are provided by City State Bank as a service to it's customers and may be used for informational purposes only. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank's agreements and disclosures that govern its products and services. If any information on this site conflicts with that in the bank's agreements and disclosures, the agreements and disclosures will control. Any and all information is subject to change without notice. This website is not directed to children, although we may promote information or products that may be appropriate for children. Parents of children interested in any of our services should contact us at any of our bank locations.
Illegal Use
The information and materials contained in this website are owned by City State Bank or by others, as applicable. You may not copy, reproduce, modify, publish, upload, post, transmit, sell, store for use, or distribute any of the materials in any way, without City State Bank's prior written permission, except as permitted by law. You agree to prevent any unauthorized copying of the materials. Misuse of any information posted on our website is strictly prohibited.
User Submissions
Any communication or material that you transmit to us through this website or through electronic mail may be used only by City State Bank for the purposes described in our Privacy Policy. All information submitted to our website shall be considered and shall remain property of City State Bank. This information will be used internally for the purpose intended or as allowed by law. You are prohibited from posting or transmitting to or from this website any unlawful, threatening, libelous, defamatory, obscene, or other material that would violate any law.
If you need to communicate personal or confidential information, please do not use email to contact us, as it is not secure. Instead, use the secure email feature within the Contact Us section, call us on the phone or visit us in person.
City State Bank shall be free to use, for any purpose, any idea or concept contained in information submitted by a visitor to us through the website.
Linked 3rd Parties
For your convenience, we provide links to other websites. City State Bank does not control linked third-party sites and is not responsible for the content on any site other than this one. When you click on a link to a third-party site you are leaving City State Bank's website and are directed to another website. If you decide to access any of the third-party sites linked within this site, you do this entirely at your own risk. Users assume all responsibility when they go to other sites via the links within our website.
City State Bank does not endorse or guarantee companies or products to which it links. We make no representation or warranty regarding the accuracy of the information contained in linked third party sites. The products and services offered by linked third parties are not products of City State Bank and are not insured by any governmental agency such as the Federal Deposit Insurance Corporation (FDIC). Be aware that the security and privacy policies on linked sites may be different from our policies so please read third party privacy and security policies closely. If you have any questions or concerns about the products and services on linked third party sites, please contact the third party directly. We suggest that you always verify the information obtained from linked sites before acting upon this information. City State Bank reserves the right to add or cancel linked sites at any time.
Warranties
City State Bank makes no warranties of any kind regarding the products and services advertised on this site. City State Bank will use reasonable efforts to ensure that all information displayed is accurate; however, we expressly disclaim any representation and warranty, expressed and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. City State Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract or otherwise), including direct, indirect, consequential, and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if City State Bank has been informed of the possibility of such loss or damage.
General
City State Bank may revise the Terms of Use at any time by updating this posting. You should visit this page from time to time to review the current Terms of Use because they are binding on you.
Governing Law
This agreement and use of the website are governed by the laws of the State of Iowa.