Privacy Policy & Principles

Protecting the Privacy of Our Customers

Welcome to our website. Coffee County Bank understands that our customers are concerned about their personal information. Because of this, our customers’ privacy has always been, and always will be, one of our most important concerns. We subscribe fully in this Privacy Policy and strive to protect customers’ information according to not only federal and state laws, but even more importantly, according to our own strict standards.

Technology and new marketing practices have increased the amount of customer information collected and shared in today’s marketplace. We are sensitive to the importance of these concerns. We want to serve you as effectively and conveniently as possible, and such service involves making use of technology and customer information. We also want you to be confident that your relationship with us is treated with the appropriate confidentiality. We commit to you that we will take reasonable steps to protect the privacy of the information shared with us.

Safeguard Customer Information

Keeping customer information secure and using it only as our customers would want us to is a top priority for us at Coffee County Bank. Our employees are informed of their responsibility to protect customer information and are educated about the importance of confidentiality and privacy. Further, we have procedures that limit employee access to personally identifiable information to those employees with a business reason to know such information about customers.

Information regarding our customers is used solely in the legitimate conduct of business and to deliver superior service and to design products and special offers that demonstrate our understanding of our customers and their needs. For instance, customers may provide us information whether or not we should provide a new type of home mortgage or checking account. We generally limit the collection and use of customer information to the minimum. We strive to deliver superior service to our customer that includes advising our customers about our products, services, and other opportunities.

We also gather information to comply with laws and regulations that govern the financial service industries. For example, Federal regulations require that we obtain a social security number or tax identification number for many types of accounts, such as checking and savings accounts.

Sharing Information

Although we are committed to protecting confidential information about our customers, occasionally it is necessary to provide some of this information to parties outside the Bank. For example, if you are involved in a legal proceeding, both federal and state law provide that parties to the litigation have the right to compel the production of records and information from banks in certain situations (we will only disclose customer information to a third party litigant when we are required to do so by lawful judicial process or by court order). Also, various laws and regulation require us, under certain circumstances, to provide certain customer information to government agencies. We will only disclose customer information to the government when we are required to do so by laws or regulation (we must comply with laws that require mandatory production or disclosure).

We also may exchange information about our customers with reputable credit reporting agencies. This information largely involves transaction experiences such as loan repayment or checking account history, as permitted under the Fair Credit Reporting Act.

We may also sometimes contract with outside agents or service providers to provide materials or services on our behalf (such as check printing or statement printing services). Under these programs, a limited amount of information about you or your account may be provided to the third party under an agreement requiring the third party to keep the information confidential and not use it for any other purpose. These service providers agree to safeguard our information about our customers and their products with us and must abide by applicable law.

We may also decide to contract or transfer a business line, such as mortgage servicing rights or credit card services. In these cases, we may transfer to the purchaser the related customer information.

We do not provide account or personal information to independent telemarketing or direct mail marketing firms. Our customers may request to be excluded from any telephone or other solicitation by the Bank by informing the person calling them, and they will be placed on a list of people we may not solicit by phone. While this may mean that consumers might not receive product information of interest to them, we will also respect anyone’s wish to not receive promotional mail solicitations (i.e. mailings independent of routine statements and other customer service mailings) if so requested.

Accuracy of Information

Further, Coffee County Bank strives to assure that our customers’ financial information is accurate, current, and complete. If our customers believe any information is inaccurate, we should be notified promptly, so we can timely respond, investigate, and effect any necessary corrections if appropriate.

We understand that customers may have special privacy concerns regarding the Bank’s use of the Internet. In particular, customers might be anxious to ensure that their information is secure. Coffee County Bank is equally concerned about privacy in the Internet world and is committed to its protection.

Coffee County Bank is committed to protecting user privacy and our website is maintained consistently with banking industry principles. You can be assured that you can visit our website without identifying yourself or giving us any information that identifies you personally unless you specifically choose to provide such information to us. Our website does not collect personal identifying information about site users, except for information knowingly provided by the user who posts e-mail messages or inquiries. Since general e-mail is not encrypted, we recommend that you not send confidential information, such as social security or account numbers, via un-encrypted e-mail messages. Any online banking transaction or application features that we add to our website will employ encryption; in other words, the transmission will be scrambled en route and decoded when it reaches Coffee County Bank.

We also want you to know about “cookies” and why we may use them. A “cookie” is information sent from a web server to a visitor’s computer while he or she is visiting a site. It may enable the server to track how a visitor navigates through its site and the area of interest. This is similar to a traffic report: it tracks trends and behaviors, but does not identify the individuals. Computer viruses cannot be transmitted through cookies. Coffee County Bank may use cookies to evaluate our website, enhance customer convenience, or to track activity at the website for marketing or responding to customer needs. If the use of cookies is a concern to you, your browser will likely permit you to refuse cookies by providing an alert at that time to refuse that cookie. Newer browser versions allow you to be alerted or to automatically refuse cookies. If certain future services via the website require cookies for effective delivery, customers will be warned that they will need to allow cookies if they wish to receive the service. The choice will be the customer’s. If the customer does allow cookies, the Bank will at all times treat the information supplied through those cookies with the same security and privacy protection as any other customer information we receive.

Also, our website is directed toward customers and potential customers that are adults. However, children may access our website and provide information in the ways previously explained in this policy statement. They may request information concerning certain products and services. Should children access our website, we are confident that parents will not judge any of the information provided as objectionable for viewing by their children. Parents can avail themselves of various software packages that are available to prevent their children from accessing websites that they deem to be inappropriate.

Lastly, we may provide external links to websites that contain information on topics that may be useful to users of our website. Although we provide these external links as a benefit to our customers, it does not mean that we endorse the use or content of these websites.

Objective of Coffee County Bank

Superior customer service is our primary goal and safeguarding information about our customers is a vital component of this service. We will continue to use customer information to develop and provide needed products, yet we will also maintain the confidentially expected from us. If you have any questions about our privacy principles, you can e-mail us at info@coffeecobank.com, call us at 931-728-1975 or 931-728-8331, or write us at P.O. Box 1109, Manchester, TN 37349. If you contact us using e-mail, please do not include any account numbers or your social security number to assure your vital personal information is not intercepted while in route to us.

Cardhub

Last Updated: 12.03.2021
Coffee County Bank (the “App”)– powered by Fiserv – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go.
The App allows you to:
• get real-time balances for your accounts
• manage your money
• view your transactions and statements
• make transfers
• pay your bills and manage billers
• deposit a check
• receive alerts
• manage cards
This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”).

THE TYPES OF INFORMATION WE COLLECT IN THE APP

Through your use of the Services, we may collect personal information from you in the following ways:
(a) Personal Information You Provide to Us.
• We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.
• We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
• If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
• We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.
(b) Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:
• Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.
• Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
• Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
• Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
• Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
• Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect your location information when you use the Services; 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.

HOW WE USE YOUR INFORMATION COLLECTED IN THE APP

(a) General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:
• facilitate the creation of, and secure and maintain your account;
• identify you as a legitimate user in our system;
• provide improved administration of the Services;
• provide the Services you request;
• improve the quality of experience when you interact with the Services;
• send you administrative e-mail notifications, such as security or support and maintenance advisories; and
• send surveys, offers, and other promotional materials related to the Services.
(b) Compliance and protection. We may use your personal information to:
• comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;
• protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
• audit our internal processes for compliance with legal and contractual requirements and internal policies;
• enforce the terms and conditions that govern the Service; and
• prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.
(c) Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.

DISCLOSURE OF YOUR PERSONAL INFORMATION

We disclose your personal information collected through your use of the Services as described below.
(a) In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
(b) Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.
(c) Authorities and Others. Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.

LINKS TO OTHER SITES

The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

YOUR CHOICES REGARDING YOUR INFORMATION

You have several choices regarding use of information on the Services.
(a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
(b) Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us.
(c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
(d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.

SAFEGUARDS AND RETENTION

We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.

A NOTE ABOUT CHILDREN

The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.

PRIVACY POLICY UPDATES

This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.

CONTACT US

If you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App by email at: info@coffeecobank.com or by mail at:
Coffee County Bank
P.O. Box 1109
Manchester, TN 37349