Privacy Policy
Please click the link below for more information
EXECUTIVE OVERVIEW
PERSONAL INFORMATION COLLECTED
CUSTOMER BENEFITS
COMMUNICATIONS WITH FIRST BANK
VISITING FIRST BANK ON THE WEB
HOW FIRST BANK USES PERSONAL INFORMATION
LIMITATIONS
CREDIT BUREAUS
MARKETING TO CHILDREN
ACCESS TO MY INFORMATION/QUESTIONS/E-MAIL
I. EXECUTIVE OVERVIEW
First Bank (FB) recognizes the importance of respecting the privacy of our customers. We want to assure you that any information that FB gathers will be used for its own business needs. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. FB will not sell or share any information that we learn about you, other than as described below, and FB will only gather information it needs to serve you better.
FB also realizes the importance of security on the Internet. We have Internet security standards and procedures in place to protect against unauthorized disclosure of information or access to information about you from our website. In addition, we limit employee access to personally identifiable information to those employees who have a business purpose for having access to such information.
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II. PERSONAL INFORMATION COLLECTED
FB will collect personal information in three ways:
• Information received from you on application and forms.
• Information about your transactions with us and others.
• Information we receive from a consumer reporting agency.
FB's principal business is to offer financial services such as checking, savings, CD's, IRA's and various types of loans. In order to service you, we may ask you to provide us with some or all of the following information:
• Name
• Mailing addresses
• E-mail address
• Social Security Number
• Number of dependents and birth dates
• Occupation
• Income
• Assets and Liabilities
• Home and business telephone numbers,
• Whether you own or rent your residence, and
• Whether you have a checking and savings account
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III. CUSTOMER BENEFITS
We may request additional financial information in order to provide you credit. In addition, we may request information that helps us keep your account secure. We use the information you give us to optimize the financial services we offer, evaluate your creditworthiness and prevent fraud. We will not be able to process your application if you do not provide us with the information requested on the application.
As a part of an application for credit or the opening of an account, you expressly authorize us to obtain a credit bureau report for our use in evaluating your application and subsequently in connection with our periodic review of your account relationship(s) with us, a requested change to your account(s) or a change in your credit line or renewal of your account. The credit bureau report is one of the tools we use to protect you from fraudulent conduct. Each application for a FB product will disclose that we are obtaining a credit report as part of our evaluation of the application. The credit report contains information about your credit history and is one of the tools we use to protect you. Depending on the credit product for which you apply we may request additional authorizations to obtain information, such as confirmation of employment.
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IV. COMMUNICATIONS WITH FIRST BANK
Upon opening an account, we track your transactions( including where and how you access and use the account) in order to prepare your monthly statement and to protect against fraudulent use of the account. This allows us to provide consistent quality service. We continually strive to maintain complete and accurate information about your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us as soon as possible and we will investigate your concerns.
customerservice@firstbankofjacksonville.com
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V. VISITING FIRST BANK ON THE WEB
We track the flow of traffic on our website. We obtain personal information from visitors to our site at the time a visitor requests information about one of our banking products. In addition, our computer and your computer may communicate during your visit to our website, which allows us to identify which part(s) of the site has been accessed.
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VI. HOW FIRST BANK USES PERSONAL INFORMATION
A. To Evaluate Your Request
FB uses your personal information to evaluate your request to open an account or to determine whether to issue credit and, if we extend an offer of credit, to establish your line of credit. Thereafter, we use the information to provide our clients with the highest level of service and protect our customers from fraudulent use of their account. In certain circumstances products may be offered through FB and provided by an unaffiliated company on behalf of FB. In these instances, the application information will be forwarded to the provider company for processing.
B. To Provide Products that Meet Customer Needs
FB is always looking for opportunities to provide value to our customers by making services available that the customers may need. When we identify an opportunity we may communicate with customers who may be interested in the services in these ways:
Monthly Statements
Direct Mail, e-mails or Telemarketing
Third-party processors or providers may conduct the actual sending of the offer. We require that these third parties hold the information we provide in the strictest confidence. The third party cannot use the list for any purpose other than the particular offer of goods or services for which information has been provided.
C. Use of Credit Bureaus
Like most, (if not all banks), FB shares our experience with you with the credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act. Under the Fair Credit Reporting Act you have the right to make sure that your credit bureau reports are correct and accurate.
D. Lawful Request by a Court, Government or Regulatory Agency
We will disclose your personal information in response to a lawful request issued by a court, government agency, or regulatory authority with jurisdiction to make the request.
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VII. LIMITATIONS
A. Employee Access
Each FB employee is required to follow our Company's Code of Conduct, which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available.
B. Protection of Information via Established Security Procedures
FB is committed to the security of your financial and personal information. All of your operation and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards. Standard Internet e-mail is not a secure way to send personal information. FB's Internet Banking offers secure messaging with encryption.
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VIII. CREDIT BUREAUS
Credit bureaus are private organizations that compile your credit history and make that information available to lenders to assess potential borrowers' creditworthiness. We provide the credit bureaus with information regarding the status of your account. You may contact the credit bureaus as follows:
Equifax, Inc. Options
PO Box 740123
Atlanta, GA 30374-0124
1-800-556-4711 Experian
Consumer Opt-Out
701 Experian Parkway
Allen TX 75013
1-800-353-0809
Trans Union Corporation's Name Removal Option
PO Box 97328
Jackson, MS 39288-7328
1-800-680-7293
The national credit bureaus offer a toll-free number to opt-out of all pre-approved credit offers with just one phone call. Call 1-888-5-OPTOUT (1-888-567-8688) for more information.
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IX. MARKETING TO CHILDREN
FB does not knowingly market products to children under the age of 18, nor do we solicit personal information from children.
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X. ACCESS TO MY INFORMATION/QUESTIONS/E-MAIL
If you believe there is an error or you have a question about your account, write us at: First Bank of Jacksonville, 11100 San Jose Blvd., Jacksonville, FL 32223 Attn: Customer Service. Write to us as soon as possible after you become aware of the suspected problem. We must hear from you no later than 60 days after we sent you the first bill or statement on which the error or problem appeared. You can telephone us, but doing so will not preserve you rights.
In your letter give us the following information:
Your name and account number
The dollar amount of the suspected error
Describe the error and explain, if you can, why you believe there is an error
If you send us an e-mail, we have established an easy and secure method to send and receive e-mail. Please visit our Internet Banking site to use secure messaging to communicate with us.
Secure Communications
Our system ensures that data exchanged between your PC and our computers are encrypted with 128-bit encryption. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to ‘encrypt’ information on the Internet. Additionally, if SSL detects 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 through 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 banks’ internal networks and databases.
Secure Login
User IDs and passwords are isolated from the Internet by being stored on First Bank’s computer. This way, the passwords and IDs are not accessed or downloaded by anyone on the Internet. The system also checks for invalid logins and automatically disallows a user after several invalid attempts.
Your Password
You will be responsible for maintaining your password. When you receive your 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 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 your password.
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