Farmers & Traders Bank, Inc. Statement of Online Privacy Practices
Updated April 2024
What does this policy cover?
This Farmers & Traders Bank Statement of Online Privacy Practices (“Online Privacy Policy”) describes how we collect information when you visit or use Farmers & Traders Bank’s websites, mobile applications, and other online services (“Online Services”) that link to this Online Privacy Policy. It also describes how we use and share such information and explains your privacy rights and choices.
Our Online Services are intended for a U.S. audience. The terms “Farmers & Traders Bank,” “we,” “us,” or “our” mean Farmers & Traders Bank. “You” means an individual who visits our Online Services.
Farmers & Traders Bank’s business address is Farmers & Traders Bank, 215 Mountain Parkway, Campton, Kentucky, USA. You can reach us at (606) 668-3115 with questions regarding this Policy or our online services during our normal business hours Monday-Friday between 8:00am and 4pm.
This Online Privacy Policy does not apply to the websites, mobile applications, or services of Farmers & Traders Bank’s businesses and affiliates that do not directly link to this policy. Some Farmers & Traders Bank businesses and affiliates have their own privacy policies, which can be found on their websites. It also does not apply to non-Farmers & Traders Bank companies, such as third-party websites to which we link online. Please review the privacy policies of other websites and services you visit to understand their privacy practices.
Other important notices
Our Consumer Privacy Notice applies to information that we collect about individuals who seek, apply for, or obtain our financial products and services for personal, family, or household purposes.
What information does Farmers & Traders Bank collect?
When you visit the Farmers & Traders Bank website, mobile application, or otherwise interact with us online, we may collect the following information:
- Your browser type (such as Google Chrome, Microsoft Edge)
- Your Internet Protocol or (“IP”) address or other unique device identifiers (such as Media Access Control (MAC)
- The presence of any software on your device that may be necessary to view our site
- Configuration information about the device you are using, including, but not limited to, your device type, web browser type and version, operating system type and version, display/screen settings, and language preferences
- Information from your mobile device, such as contacts, photos/images (for example, to deposit checks or capture receipts), mobile network information, and cross-device IDs
- Location information from your device to find nearby branches, ATMs, and other locations or mobile device location information to provide optional deals
- Personal information submitted on applications, forms, and onsite electronic messaging. Types of personal information typically include:
- Name
- Social Security number
- Driver’s license number or other government-issued ID
- Address
- Telephone number
- Account numbers and account information
- Usernames
- Passwords and other authentication information like PINs, security questions, and other secure sign-on methods. (see additional information about bio-metric-enabled sign-ons below)
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- Communication or opt-out preferences (such as email or text messages)
- Other non-public information, such as credit and income information, and in certain cases Protected Health Information (as defined by the U.S. Health Insurance Portability and Accountability Act)
- Website analytics information such as pages visited and average time spent on a particular page
- Search engine traffic referral information
- Responses to advertisements and promotions
- Transactional information from behind the secure login about your relationship with us (such as types of accounts or the state in which you bank)
About biometric-enabled sign-ons: Your device stores the information it needs to recognize your facial features or fingerprints. Farmers & Traders Bank’s Mobile App uses your device’s functionality to obtain a signal that your device recognizes your facial features or fingerprints when you sign on. Farmers & Traders Bank does not have access to the information your device uses to enable facial or fingerprint recognition, nor does Farmers & Traders Bank have access to or store your facial image or fingerprint data. You can always turn off facial or fingerprint recognition and go back to inputting user ID and password at any time. Your device’s user information will have additional information regarding its user controls and settings, including its privacy and security controls.
How does Farmers & Traders Bank use collected information?
The information we collect online or through your mobile device helps Farmers & Traders Bank to:
- Effectively manage your account:
- Protect your identity and the security of your personal and account information from unauthorized access
- Process transactions on your account
- Respond to product applications and questions
- Fulfill regulatory requirements
- Analyze our site usage and enhance the user’s experience:
- Diagnose server problems
- Alert users of any possible software compatibility issues
- Help us make decisions about how various technologies are used and identify usage trends
- Send marketing communications:
- Present personalized or targeted offers, ads, or content we believe may be of interest to you
- Determine the effectiveness of promotional campaigns
- Make business decisions
- Analyze data and credit risk
- Perform market research
- Conduct audits
- Develop and improve products and services
- Carry out other day-to-day business operations, such as to comply with applicable laws; share with our affiliates and subsidiaries; disclose to contractors, business partners, and other third parties under specific contracts and agreements; perform compliance activities; conduct credit reporting activities; and engage in human resources activities
- Prevent and detect fraud
- Defend against risks to security:
- Monitor network activity logs
- Detect security incidents and conduct data security investigations
- Guard against malicious, deceptive, fraudulent, or illegal activity
- For any other purposes outlined in our Consumer Privacy Policy.
How does Farmers & Traders Bank share collected information?
Farmers & Traders Bank shares your information in different ways as permitted and required by law. For example, we may share your information with:
- Affiliates and other entities in the Farmers & Traders Bank family as outlined in our Consumer Privacy Policy.
- Businesses with which we partner to offer products and services for our clients or prospective customers, such as joint marketing partners or bill pay partners
- Service providers that provide various services to us, such as those we use to help detect and prevent fraud, improve our online services, and to better market and advertise our services to you
- Other parties when you authorize or direct us to share your information, such as when you use a third-party service to help manage your financial information across various financial institutions or when you transfer funds from Farmers & Traders Bank
- Credit reporting agencies to report on or learn about your financial circumstances and as permitted by law
- Government entities and other third parties as needed for legal or similar purposes, such as:
- To respond to requests from our regulators
- To respond to a warrant, subpoena, governmental audit or investigation, law enforcement request, legal order, or other legal process
- To facilitate a merger, acquisition, sale, bankruptcy, or other disposition of some or all of our assets
- To exercise or defend legal claims
Please see the Farmers & Traders Bank Consumer Privacy Policy for more information on how Farmers & Traders Bank may share your personal information and how you may be able to limit certain types of sharing.
Please note, we may also share aggregated and de-identified data, such as aggregated statistics regarding product usage, with third parties.
We reserve the right to transfer personal information we have about you in the event we sell or transfer all or a portion of our business or assets (including, without limitation, in the event of a reorganization, dissolution, or liquidation).
What if I’m visiting the Farmers & Traders Bank website from outside the United States?
Our sites are intended only for U.S. residents and we do not knowingly collect personal data or information via our websites of residents of other jurisdictions.
How long does Farmers & Traders Bank retain records?
We store your personal information as long as it is required to meet our contractual, compliance, and legal obligations, or if we have a legitimate business need to do so.
What technologies does Farmers & Traders Bank use?
Farmers & Traders Bank and its service providers may employ various technologies to collect information, including:
- Cookies –
Cookies are pieces of information stored directly on your device. Cookies provide information that is used for security purposes, to facilitate navigation, to display information more effectively, and to personalize/ customize your online experience. The cookies Farmers & Traders Bank uses do not collect or store any personally identifiable information about you. Farmers & Traders Bank uses persistent cookies to learn how visitors use our site, such as which pages are viewed the most, to identify the most common navigation paths, or to customize the presentation of information on the site. Farmers & Traders Bank also uses session cookies to assist in delivering some online transactions, like online banking. Session cookies are no longer active after you log off the service that initiated them, and all session cookies are automatically deleted when you close all browser windows. Farmers & Traders Bank may also contract with third parties to track user activity on our website. You can choose to block or disable these cookies as most devices and browsers offer their own privacy settings. Doing so, however, may result in diminished performance on our site.
- Marketing pixels, web beacons, clear GIFs, or other technologies –
This technology may be placed on certain pages of our website, applications, emails, and other marketing initiatives. These tags usually work in conjunction with cookies and allow us to measure the effectiveness of our site and compile statistics about usage and response rates.
- Software Development Kits (SDKs) –
Our mobile applications may include third-party SDKs that allow us and our service providers to collect information about your mobile app activity. In addition, some mobile devices come with a resettable advertising ID (such as Apple’s IDFA and Google’s Advertising ID) that, like cookies and pixel tags, may allow us and our service providers to identify your mobile device over time for advertising purposes in compliance with applicable app store consent rules.
- Advertising and Cross-Device Tracking –
Farmers & Traders Bank uses certain analytics services and products, which help companies build websites, applications, and advertisements that seamlessly flow between all your devices (such as a desktop, laptop, tablet, phone, or smart watch). The services recognize which of your devices are linked through use of technology that includes cookies and your IP address (without collecting your sensitive personal information).
- Firewalls, passcodes, data encryption, and other safety features –
Farmers & Traders Bank uses these technologies to help secure the information you provide to us. To learn more about how you can safeguard your information online, please visit our Farmers & Traders Bank Security Center for measures you can take to protect yourself.
- Third-party plugins –
Other companies may have plugins that appear on certain pages of our website or applications. Some of these, for example, may be from social media companies (for example, the Facebook “Like” button). These plugins may collect information, such as information about the pages you visit, and share it with the company that created the plugin even if you do not click on the plugin. These third-party plugins and the way they operate are governed by the privacy policies and terms of the companies that created them.
How does Farmers & Traders Bank interact with me online?
Online advertising on Farmers & Traders Bank websites and applications
Farmers & Traders Bank advertises its products and services on pages within our sites and on mobile applications. To make the content and advertising as informative and useful as possible, Farmers & Traders Bank may target and personalize content and advertisements for products and services on our site and within Online Banking (when clients sign on or off to online accounts with their user ID/password).
Online advertising on third-party websites and applications
Farmers & Traders Bank advertises its products and services on websites and applications not affiliated with Farmers & Traders Bank. The third-party companies we hire to display these ads use their own tracking technologies to measure the effectiveness of these ads and to understand your interests. Many of our third-party partners have their own privacy policies. We encourage you to review these policies carefully. Some of our third-party advertising is interest-based and may use information about your online interests to customize the online ads you see.
Third-party aggregation services and tools
Aggregation allows you to gather information from many websites and view that information in a consolidated format. An example of why you might use a third-party aggregation tool is if you wanted a comprehensive view of assets and liabilities held within your financial accounts. If you provide information about your Farmers & Traders Bank accounts (including your access information) to an aggregation service provider, we will consider that as your having authorized all transactions initiated by that aggregation site. Farmers & Traders Bank reserves the right to disable aggregation for any account without notice. If you wish to cancel your third-party aggregation services, you should also change your password at farmersandtradersbank.com.
Social media
Farmers & Traders Bank may provide experiences on social media platforms such as Facebook, Instagram, LinkedIn, or Twitter that enable online sharing and collaboration. We may use social media to facilitate social engagement and sharing, when such sharing is appropriate and safe. Please note, any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the terms of use and privacy policies of those platforms. Please refer to them to better understand your rights and obligations with regard to such content.
Given the very public nature of social media, it is critical that we all safeguard confidential financial information. If you post information on a Farmers & Traders Bank site that we feel should be shielded from public view, we will remove it. This includes not only specific details about your Farmers & Traders Bank accounts and other private, confidential information (such as your Social Security number), but details of information relayed in private conversations between you and Farmers & Traders Bank representatives. Please know that in taking down or editing your posts, we are focusing our experience and best judgment to keep your personal information safe.
Email
Email transmitted across the internet is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential or private information via unsecured email to Farmers & Traders Bank. We’ll never ask you to send confidential information to us via email, such as your logon ID, password, full account numbers, or Social Security number. To secure your communications with us, use Secure Messaging in online banking.
Occasionally, we will retain the content of your email—and our replies—to confirm proper responses to your questions and requests, to comply with legal and regulatory requirements, and to ensure that we consistently deliver an enjoyable client experience to you.
Linking to other sites
Farmers & Traders Bank may provide links to non-Farmers & Traders Bank companies, such as informational, merchant and/or service provider sites, and will notify you when leaving the Farmers & Traders Bank site. If you choose to link to websites not controlled by Farmers & Traders Bank, we are not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these sites, we urge you to carefully study their privacy policies before sharing.
How does Farmers & Traders Bank protect me from fraud and secure information?
To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third-party service providers to ensure information remains confidential and secure. To learn more about how you can safeguard your information online, please visit our Farmers & Traders Bank Security Center for measures you can take to protect yourself.
How can I make sure my information is accurate and use my individual rights?
Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please contact us at (606) 668-3115 and speak to a customer service representative or write to us at 215 Mountain Parkway, Campton Kentucky 41301.
We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws. We will ask you to verify your identity to help us respond efficiently to your request.
How will Farmers & Traders Bank notify me about online privacy practices updates?
Farmers & Traders Bank’s Online Privacy Practices may be revised from time to time, so please review them periodically. Any changes will become effective when we post the revised Practices on the site (Please note the effective date listed at the top of this page). If we revise our Online Privacy Practices in a material way, we will provide a conspicuous notice on our website when any changes take effect.
How can I contact Farmers & Traders Bank?
If you have any questions or comments on this notice or our privacy practices generally, please contact us at (606) 668-3115 or visit our office at 215 Mountain Parkway, Campton, Kentucky 41301.