Read Through Our Privacy For Guidance.

Your privacy is important to us. This Online Privacy Policy explains how we collect, share, use, and protect information when you visit or use this online service and any other online services offered by the U.S. banking and non-banking affiliates and subsidiaries of Scotwinds Bank that link to or reference this policy (collectively, our “online services”). This policy covers Scotwinds Bank's many online services, including the Scotwinds Bank websites, and Scotwinds Bank Mobile, as well as any interactions you may have while viewing content provided through one of Scotwinds Bank's digital advertising campaigns.
As you review this Online Privacy Policy, here are a few general principles to keep in mind:

•  Our online services are intended for a U.S. audience. If you visit or use one of our online services, your information may be transferred or processed in the United States. For non-U.S. online services, please review the privacy policy applicable to that service to understand how your information will be treated and safeguarded.
•  With the exception of the Scotwinds Bank program, our online services are not intended for children under 13. We do not knowingly collect personal information from children under 13 without parental consent.
•  If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.
•  If you are a foreign resident, you may have rights under the foreign Consumer Privacy Act.
•  Scotwinds Bank Mobile may have additional terms from this policy about the privacy of your information. Please review the privacy policy for the specific online service you are using.
•  If you have questions after reviewing this policy, please visit Frequently Asked Questions.

Personal Information

When you visit or use our online services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example, a zip code to help you find a nearby ATM), user name and password. We may also collect payment card information, social security numbers, driver’s license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.

Usage And Other Information

In addition to the personal information described above, we may collect certain information about your use of our online services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our online service you access, and the site you visit next. We or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services. In addition, we may later associate the usage and other information we collect online with personal information about you.

Additional Sources Of Information

We may also collect information about you from additional online and offline sources including from co-branded partner sites or commercially available third-party sources, such as credit reporting agencies. We may combine this information with the personal and other information we have collected about you under this Online Privacy Policy.

Use Of Information

We use the information discussed above in a number of ways, such as:

•  Processing applications and transactions;
•  Verifying your identity (such as when you access your account information);
•  Preventing fraud and enhancing the security of your account or our online services;
•  Responding to your requests and communicating with you;
•  Managing your preferences;
•  Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view;
•  Providing you tailored content and marketing messages; Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);
•  Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and
•  For any other purposes that we may specifically disclose at the time you provide or we collect your information.