We are confident in our system's ability to protect all transactions; however, this is not an invitation for people to attempt unauthorized access to the system. This is a private computing system, which is restricted to authorized individuals. Actual or attempted unauthorized use of this computer system will result in criminal and/or civil prosecution. We reserve the right to view, monitor and record activity on the system without notice or permission. Any information obtained by monitoring, reviewing or recording is subject to review by law enforcement organizations in connection with the investigation or prosecution of possible criminal activity on the system. If you are not an authorized user of the system or do not consent to continued monitoring, exit the system at this time.
Privacy Policy
| Facts | WHAT DOES NORTH GEORGIA NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| Why? | 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. |
| What? | The types of personal information we collect and share depend on the product or service you have with use. This information can include:
|
| How? | All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons North Georgia National Bank chooses to share; and whether you can limit the sharing. |
Questions? Call (706) 629-6499 or got to www.ngnb.net
| What We Do | How |
|---|---|
| How does North Georgia National Bank protect my personal information? | 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. |
| How does North Georgia National Bank collect my personal information? | We collect your personal information, for example, when you
|
| Why can't I limit all sharing? | Federal law gives you the right to limit only
|
| Definitions | Example |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial or non-financial companies.
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| Non-affiliates | Companies not related by common ownership or control. They can be financial or non-financial companies.
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| Joint Marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you.
|
Online Security Statement
Your transactions are absolutely safe. North Georgia National Bank works with the most advanced technology partners to ensure that the most secure environment is made possible for our valued customers. You can be completely confident of the following security measures:
Secure Communications
Our system ensures that data exchanged between your PC and our computer is encrypted with the strongest encryption available. We detect that data was added or deleted after you sent it to the Bank, the connection will be severed in order to guard against any tampering.
Secure Environment
Our computer system does not connect directly to the Internet. It is isolated from the network via a "firewall". A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the Bank's internal networks and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.
Secure Login
User IDs and passwords are isolated from the Internet by being stored on North Georgia National Bank's computer. This insures that the passwords and IDs can never be accessed or downloaded by anyone on the Internet. Additionally, user passwords can vary from four to eight characters, which means the chance of randomly guessing a password is less than one in one billion! The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the "hacker" from gaining access to our system, thus protecting your accounts.
Your Password
You will be responsible for maintaining one of the most important security measures: your password. When you receive your North Georgia National Bank's online banking password, be sure to keep it confidential. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security. Not even a bank employee has your password.
Social Media Terms of Use and Community Guidelines
Updated January 21, 2022
Public Usage
The social media pages of North Georgia National Bank are all public pages. Anyone can see your posts, comments, or responses on these pages. Furthermore, your posts and comments can potentially show up in search-engine results, such as Google or Bing. North Georgia National Bank reserves the right to remove any comments and posts from our pages that are derogatory, hurtful, or do not accurately reflect the image or the bank according to our standards and guidelines. When you post, comment, or visit on any of North Georgia National Bank’s social media pages, we ask that you follow the guidelines outlined below:
Be respectful of others.
Never post personal or confidential information.
Never ask questions or communicate in regards to your account or loans with NGNB.
Do not post any content that is inflammatory, offensive, or abusive.
Do not post any fraudulent content.
Out of an abundance of caution for the safety, privacy, and security of our customers, North Georgia National Bank does not service account-specific requests through social media platforms. If you are a current or future customer of the Bank and have a question regarding an account, please give us a call at 706-629-6499 or swing by one of our branches and speak with a Relationship Banker today.
Posts and Comments
Engagements exchanged on North Georgia National Bank social media pages should be respectful and polite. The Bank reserves the right to delete messages, posts, or comments that are deemed unacceptable, including, but not limited to:
Links containing viruses, spam, malware, spyware, or similar programs that could harm a user’s computer.
Misleading, false, inaccurate, or libelous comments.
Discriminatory or hate speech regarding age, race, gender, religion, disability, nationality, etc.
Defamatory, abusive, derogatory, or inflammatory language, stalking or harassment, threats, personal attacks, etc.
Inappropriate, obscene, profane, disruptive, and/or unrelated commentary.
Sexually explicit or indecent commentary of any kind.
Additionally, North Georgia National Bank social media platforms are all moderated by North Georgia National Bank employees. North Georgia National Bank will make every effort to respond to your comment or message in a timely manner; however, we cannot guarantee that we will reply to every comment, every time. All posts and comments will be reviewed for the purpose of ensuring that they comply with our policies and standards. North Georgia National Bank reserves the right to delete any comments, posts, or messages that we deem inflammatory, abusive, inappropriate or otherwise. Do not post any material that you do not have the right to transmit under law (such as copyright, trade secret or securities) or due to your personal contractual or fiduciary relationships. The North Georgia National Bank social media pages are never to be used for the submission of any claim, demand, informal or formal complaint, or any other form of legal and/or administrative notice or process, or for the exhaustion of any legal and/or administrative remedy.
North Georgia National Bank reserves the right to ban any user from any of our social media pages without prior written notice or consent for violations of community policies. Any comment(s) posted that we deem to be criminal in nature, or instigates or implies violence towards oneself or another may be reported to the proper authorities.
The North Georgia National Bank social media pages are not to be used to report phishing or criminal activity. If you would like to make a report, please call us at 706-629-6499 and a Relationship Banker will be happy to assist you.
Third Party Links
The inclusion of any third-party link does not imply endorsement by North Georgia National Bank. The Bank has not reviewed all of the third-party sites linked to its social media platforms and is not responsible for the contents of any such linked site. Use of any such linked third-party web site is at the user's own risk. You understand that when going to a third-party web site, that site is governed by the third party’s privacy policy and terms of use, and the third party is solely responsible for the content and offerings presented on its website. As a follower of North Georgia National Bank managed social media sites, you consent to receive news, Bank information and other information by North Georgia National Bank that we think our followers will find useful. If at any time you wish to no longer receive information via North Georgia National Bank social media properties, you may utilize the platform’s privacy settings to un-like or un-follow North Georgia National Bank.
Idea Submission Standards
North Georgia National Bank does not consider or accept unsolicited ideas. Please do not submit any original material, ideas, enhancements, suggestions, or other items. North Georgia National Bank holds this policy and position to avoid potential misunderstandings or disputes when North Georgia National Bank’s services, products, marketing, or communication efforts might seem similar to ideas submitted to the Bank. If, despite our request not to send us your ideas and photographs, you still do, then regardless of what your communication states, the following terms shall apply to your idea and photograph submission.
TERMS OF IDEA SUBMISSION: You agree that: (a) your ideas and photographs will automatically become the property of North Georgia National Bank, without compensation to you, (b) North Georgia National Bank can use the ideas and photographs for any purpose and in any way, and (c) any information or photographs you provide will be considered non-confidential.
Privacy and Security
In addition to following the established privacy policies of each social media platform, users are also subject to the Privacy Policy and Online Security Statement North Georgia National Bank has established. We ask that you never include personally identifiable information such as Social Security numbers, account numbers, addresses, birth dates, or any other identifying information. You should never disclose any of your financial information on any of North Georgia National Bank’s social media platforms, whether public facing or via direct message. North Georgia National Bank will never ask you to offer any of your personal or identifying information via any social media platform. North Georgia National Bank is not responsible for the privacy and security policies of the social media platforms in which we engage, and strongly encourage that you review the policies of each platform for yourself.
Media Inquiries
If you are a member of the media and have an inquiry regarding the Bank, please reach out to our Marketing Manager at pholloway@ngnb.net with your request. Thank you.
Revision to Policy
Our Terms of Use and Community Guidelines are subject to change. North Georgia National Bank reserves the right to revise this policy at any time without notice. When a revision is made to our Terms of Use or Community Guidelines, we will revise the “Updated” date beneath the header of this policy. Any revisions or updates become effective immediately after the policy is published on our website. Your continued engagement with North Georgia National Bank social media platforms denotes that you accept the updated policy.
TouchBanking Privacy Notice
TouchBanking – powered by Fiserv – helps you manage your money, view your transactions and accounts, making it easy to manage your finances on the go.
TouchBanking provides the Services to users on behalf of their financial institution, North Georgia National Bank, as a service provider. This Privacy Notice, in combination with relevant privacy notices that Your Financial Institution provides to you (e.g., pursuant to financial privacy laws), informs you of the policies and practices regarding the collection, use, and disclosure of any personal information that TouchBanking collects from or about users in connection with our mobile application (the “Services”). The specific capabilities of the Services available to you vary depending on Your Financial Institution. You can find more information about Your Financial Institution’s privacy policies and your choices at your Financial Institution’s website or by contacting Your Financial Institution.
Depending on the services offered by Your Financial Institution TouchBanking may allow 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
pay other people
deposit a check
manage cards
locate branches and ATMs
receive alerts
communicate with us via email or chat
The Types of Information TouchBanking Collects
TouchBanking may collect personal information from you in the following ways:
(a) Personal Information You or Your Financial Institution Provide to us.
TouchBanking may collect personal information from you or your financial institution, such as your first and last name, address, e-mail, User IDs, telephone number, and social security number when you open a new financial account or register for other financial services. 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 to make peer to peer payments using Zelle or other payments functionality. Device location may be accessed to detect and prevent card transaction fraud, deposit fraud and also to provide branch and atm locations.
TouchBanking 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.
If you provide feedback or contact TouchBanking via email, TouchBanking will collect your name, email address, and any other content included in your email messages to us in order to send you a reply.
TouchBanking also collects other types of personal information that you provide voluntarily, such as any information requested by TouchBanking if you contact TouchBanking via email regarding support for the Services.
(b) Personal Information Collected from Third Parties. TouchBanking may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
(c) 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, screen resolution, RAM and disk size, CPU usage, 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, 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.
Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, TouchBanking will collect your location information when you use the Services; for example, to provide our fraud detection services. If you do not want TouchBanking to collect your location, you may decline location collection when prompted or adjust your device's location services settings.
Disclosure of Your Personal Information
TouchBanking discloses your personal information as described below.
(a) At the Direction of Your Financial Institution. TouchBanking may share your information with Your Financial Institution or with third parties at the direction of Your Financial Institution. Other than as described in this Privacy Notice in connection with the Services, this Privacy Notice does not apply to the processing of your information by Your Financial Institution or third parties with whom TouchBanking shares information at Your Financial Institution’s direction.
(b) Third Party Service Providers. TouchBanking may share your personal information with third party or affiliated service providers that perform services for or on behalf of TouchBanking, for the purposes described in this Privacy Notice, 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 TouchBanking.
(c) Corporate Restructuring. TouchBanking may share some or all of your personal information in connection with or during negotiation of any merger, financing, acquisition or dissolution transaction involving the sale, transfer, divestiture, or disclosure of all or a portion of TouchBanking’s business or assets. In the event of an insolvency, bankruptcy, or receivership, personal information may also be transferred as a business asset. If TouchBanking’s company, business or assets is acquired by another company, that company will possess the personal information collected by TouchBanking and the company will assume the rights and obligations regarding your personal information as described in this Privacy Notice.
(d) Authorities and Others. Regardless of any choices you make regarding your personal information, TouchBanking 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 Services may contain links to third party websites. When you click on a link to any other website or location, you will leave the Services and go to another site, and another entity may collect personal and/or anonymous information from you. TouchBanking’s provision of a link to any other website or location is for your convenience and does not signify TouchBanking’s endorsement of such other website or location or its contents. TouchBanking has no control over, does not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Notice do not apply to these outside websites. We encourage you to read the privacy notice of every website you visit.
Your choices Regarding Your Information
You have several choices regarding use of information on the Services.
(a) 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. TouchBanking currently does not take action in response to these signals. If and when a standard is established, TouchBanking may revise its policy on responding to these signals.
(b) Access, Update, or Correct Your Information. You can access, update, or correct your information by changing preferences in your account. To do so, you should contact Your Financial Institution. For additional requests, please contact Your Financial Institution on whose behalf we are providing the Services to you.
(c) Opting Out SMS Communications. If you provide your phone number through the Services, TouchBanking may send you notifications by SMS, such as fraud alerts. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
(d) Opting Out of Location Tracking. If you initially consented to the collection of geolocation information through the Services, you can subsequently stop the collection of this information at any time by changing your mobile device's preferences. Please note, however, that if you withdraw consent to TouchBanking’s collection of location information, you may no longer be able to use some features of the Services.
Safeguards and Retention
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 US financial institutions 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.
A Note About Children
The Services are not directed towards individuals under the age of 18, and TouchBanking does not intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to TouchBanking and TouchBanking learns that the personal information is the information of a child under 18, TouchBanking will attempt to delete the information as soon as possible.
Privacy Notice Updates
This Privacy Notice is subject to occasional revision. Your Financial Institution or TouchBanking may notify you, in their sole discretion, of any material changes in TouchBanking’s collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Notice will be effective thirty (30) calendar days following notice of the changes on the Services or immediately where no notice is given. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify TouchBanking 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 (or use of the Services after any such changes) shall indicate your acknowledgement of such changes.
Contact TouchBanking
If you have any questions or complaints about this Privacy Notice or TouchBanking’s data collection or processing practices, or if you want to report any security violations to TouchBanking, please contact TouchBanking by at: dpo@fiserv.com; or by mail at:
Fiserv, Inc.
255 Fiserv Drive
Brookfield, WI 53045
PO Box 979
Brookfield, WI 53008-0979