Digital Use Practices & Mobile App Privacy Policy

Acknowledgement & Agreement to the TowneBank Digital Use Practices

TowneBank is committed to protecting the privacy of its members. Our members’ security is our priority, and we take every measure to safeguard your information. It is TowneBank’s practice to inform its members of the information we collect when you or your computer interacts with our website or one of our family of companies’ websites. The following information explains which types of personally identifiable information (PII) we collect on our website and what we do with such information. Our policy regarding the privacy of consumer financial information is available in our Consumer Privacy Policy.

By accessing the website, you acknowledge that you have read and fully understand TowneBank’s practice of collecting your digital information, that you freely consent to the information collection and use practices described in the information provided.

Changes to Our Digital Use Practices

TowneBank reserves the right to update our Digital Use and Mobile App Practices. We encourage you to periodically review these practices and to stay informed about how we are helping to protect your information. Your continued use of the service constitutes your agreement to our Digital Use and TowneBank Mobile App Practices and any updates.

Children's Privacy

From our web pages, we do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their parents or guardians. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website.

Customized User Experience

To provide you with relevant content, TowneBank exercises the option to partner with companies that deliver our message to you on various internet sites you visit. This practice is frequently referred to as Online Behavioral Advertising (OBA) or internet-based advertising. We respect users’ ability to choose the types of ads you receive on third party sites. To guide you in your choices, our partners display advertisements featuring the Ad Choices icon, which directs you to information on your options to opt out of these types of messages.

For additional resources, please visit the Network Advertising Initiative or the Digital Advertising Alliance.

Information We Collect & How We Use It

We collect certain information from and about our users in three ways: directly from our web server logs, from the user, and with cookies.

Web Server Logs

When you visit our website, we may track non-personally identifiable information to analyze the usage and functionality of our website. Information may include:

  • Your internet protocol (IP) address
  • The browser or computer you’re using
  • The pages you view on the website
  • The items you click within the website
  • The state or country from which you access the website
  • The date and time of your visit
  • The name of your internet service provide

TowneBank Mobile App

When you use our TowneBank Mobile App, we may track non-personally identifiable information to analyze the usage and functionality of our website. Some features included in digital banking may request access to data located on the device used to access digital banking. This may include biometric, camera, contacts, and location data. You will be prompted to allow access to this data, and if access is not allowed, the feature requiring that data will not be fully functional. For your reference, details are provided below:

Data Use

The following data may be used to track you across apps and websites owned by other companies:

  1. Usage Data
  2. Contact Information
  3. Your internet protocol (IP) address
  4. The services you use within our mobile app
  5. The date and time of your login
  6. The device you use to log into our mobile app

Data Linked to You

The following may be collected and linked to your identity:

  1. Financial information
  2. Location information (based on I.P. address)

Location data can be collected or monitored on a continuous basis when the application is closed or not in use, in the background only while being used, or not at all, depending on your selection. For your reference, a function of our TowneBank Mobile App (designed for personal accounts), Pulsate™, collects the following information so we are able to communicate with you about services within your local area and/or app service notifications:

  • Location based on your I.P. address
  • Device Type
  • Pulsate creates a random user GUID upon initial app access, which is later used during every connection with Pulsate. This GUID is unique for each device/app and changes after every app reinstall. This ID is used for identifying a user and sending campaigns.
  • Product Interaction – Pulsate tracks user’s app entry, app exit, and pages viewed within the app.
  • Name – Pulsate collects user’s first name for product personalization purposes.

Use of Cookies

We may use cookies to personalize your digital experience. A cookie is a small text file that is placed on your device by a web page server. Your cookie is unique to you, to be read only by a web server in the domain that issued the cookie to you. We, as well as third-party vendors including Google®, may use first-party cookies (such as the Google Analytics cookie) to inform, optimize and serve content based on your visit to our website. 

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but give you the option to modify your browser settings to decline cookies. If you modify your browser settings to reject cookies, please be aware that this may disable some of the built-in functionality of the website that relies on cookies to optimize your experience. 

Additional Resources