Facts: What does Natbank N.A. do with your personal information?
Why?
Financial institutions choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, of the information shared. 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 us. This information can include your:
- Social security number
- Account balances and transaction history
- Credit and payment history
- Income
- Government-issued identification (ID)
When you are no longer our customers, we continue to share your information as described in this notice.
How?
All financial institutions need to share their customers' personal information to run their everyday business. In the section below, we list the reasons why financial institutions may share their customers' personal information, as well as the reasons why Natbank N.A. chooses to share it. We also specify if you can limit the sharing of your information.
Reasons why we may share your personal information
| Does Natbank N.A. share this information? | Can you limit the sharing of this information? | |
|---|---|---|
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. | Yes | No |
| For our marketing purposes – to offer our products and services to you. | No, except where Natbank N.A. shares information with service providers who perform services on its behalf. In such cases, Natbank N.A. enters into agreements requiring these providers to maintain the confidentiality and security of the information and to use it solely for the purpose of providing contracted services. | No |
| For joint marketing with other financial institutions | No | We don’t share this information |
| For affiliates’ everyday business purposes – information about your transactions and experiences. | No | We don’t share this information |
| For affiliates’ everyday business purposes – information about your creditworthiness. | No | We don’t share this information |
| For affiliates to market to you | No | We don’t share this information |
| For nonaffiliates to market to you | No | We don’t share this information |
Questions or complaints?
If you have any questions about how we handle your personal information or if you wish to access or correct your information or make a complaint regarding our privacy practices or the handling of your information, please contact us at 1-800-205-9992, or go to www.natbank.com.
How we operate
How does Natbank N.A. 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 Natbank N.A. collect my personal information?
We collect your personal information, for example, when you:
- Show us your government-issued ID
- Open an account or apply for financing
- Pay your bills or make deposits or withdrawals from your account
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Mobile requirements
Location services
Location Information.
If you have enabled location services on your phone and consent to the collection of your location when prompted by the Services, we will collect location data when you use the Services, even when the App is closed or not actively in use, 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.
Links to other sites
The App may contain links to third-party websites. When you click on a link to another website or location, you will leave the App and be directed to another site where another entity may collect personal and/or anonymous information from you.
The inclusion of a link to another website or location is provided solely for your convenience and does not signify our endorsement of that website, location, or its content. We have no control over, do not review, and cannot be responsible for these external websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these external websites. We encourage you to review the privacy policy of every website you visit.
Your choices regarding your information
You have several choices regarding the use of your information through the Services.
a) How we respond to "Do Not Track" signals
Some web browsers transmit “Do Not Track” signals to the websites and online services with which the browser communicates. There is currently no standard governing what, if anything, websites should do when they receive such signals. Accordingly, we do not currently respond to these signals. If a standard is established in the future, we may revise our policy regarding responses to such signals.
b) Access, update, or correct your information
You may access, update, or correct your information by changing your account preferences. For additional requests, please contact us.
c) Opting out of email or text communications
If you have subscribed to receive our marketing email communications, you may unsubscribe at any time by clicking the Unsubscribe link included at the bottom of the email or other electronic communication.
Alternatively, you may opt out of receiving marketing communications by contacting us using the information provided in the Contact us section below.
If you provide your phone number through the Services, we may send you text notifications, including fraud alerts. You may opt out of text communications by unlinking your mobile phone number from the Services.
d) Opting out of location tracking
If you have previously consented to the collection of geolocation information through the Services, you may stop the collection of this information at any time by changing the settings on your mobile device.
Please note, however, that if you withdraw your consent to the collection of location information, certain features of the App may no longer be available or function properly.
Why can’t I limit the sharing of my information?
Federal law gives you the right to limit it when:
- The information shared is about your creditworthiness for the purpose of ongoing operations by affiliates
- Your information is shared with affiliates for the purpose of marketing to you
- Your information is shared with non-affiliated companies for the purpose of marketing to you
Definitions
Affiliates
Companies related by common ownership or control. These may or may not be financial institutions.
Affiliates include companies with a National Bank Financial Group name, such as National Bank Financial, Wealth Management 1859 and Private Banking.
Non-affiliates
Companies not related by common ownership or control. These may or may not be financial institutions.
Natbank N.A. does not share with non-affiliates so they can market to you.
Joint marketing
A formal agreement between unaffiliated financial institutions that jointly sell financial products or services to you.
Natbank N.A. does not engage in joint marketing with non-affiliated financial institutions.