When you use our mobile applications to engage in account opening or electronic banking services, there may be times when you are asked to provide information about you that is personally identifiable (“Personal Information”). This may include the following:
Personal
- Your first, middle and last name,
- Your zip code, home or other physical address (including the street name and name of a city or town),
- Your e-mail address,
- A telephone number,
- Social security number,
- Account number,
- Date of birth,
- Mother’s maiden name,
- Password or any other identifier that permits physical or online contact with you,
- Geolocation, and
- Biometric information, including for example your voice print, fingerprint, or facial geometry scan.
Financial
- Average Account Balance,
- Household Income,
- Federal Income Tax Bracket,
- Monthly Debt,
- Monthly Rent, and
- Available Down Payment Amount.
- Additional financial accounts
- Credit score information
Other
- Account Preferences,
- Needs for Savings,
- Challenge/Security Questions,
- User IDs, and
- Passwords.
Please note that user IDs, personal IDs, passwords, and PINs along with tokens or challenge/security questions will be provided by us to you only in connection with you opening or logging onto one or more of our services or when you set up and use an aggregation service that allows you to consolidate your financial account information from a variety of sources. American State Bank will never request Personal Information via unsolicited e-mail. Be cautious when clicking on links in e-mails or responding to e-mails you have received, particularly when the message is urgent or threatening. By doing so, you may unwittingly downloaded viruses or spyware that may cause you to be redirected to a fraudulent service. If you are concerned that an e-mail you have received may not be from American State Bank, then please contact us.
Personal Information might be needed or requested from you in order for you to be able to open deposit accounts online, register for online banking and other services, fill out our forms or applications for services for special promotions or contests, or accomplish transactions you request. This may result in sharing Personal Information with third parties (such as data processors or service bureaus) as part of servicing your accounts or transactions.
Use of User Usage and Tracking Technologies
As mentioned above, we collect information from your use of our mobile banking services to help gather statistics about usage and effectiveness, personalize your experiences and tailor our interactions with you. We do so by using various technologies, including the use of location services and other use-tracking devices.
Use of SMS/Text Messaging
If you use any SMS/text messaging services or otherwise permit us to communicate with you via SMS/text, we may collect your mobile phone number, your carrier’s name, and the date, time, and content of your messages and other information that you may provide through your mobile device, which we may use to open, administer, and maintain your account (including to contact you regarding your account). Your mobile carrier and other service providers may also collect data from your SMS/text usage, and their practices are governed by their own policies and procedures. We will store your information on our systems or those operated by a vendor on our behalf, consistent with our security commitments.
Use of Biometric Technologies
We may collect, share and store your biometric information and biometric identifiers (collectively referred to as “Biometric Information”). You may have the option to provide certain Biometric Information using our proprietary systems or through protocols provided by our third-party vendors (for example, we may capture your facial geometry by having you take a selfie from your mobile device when you open an account). We may collect and share such Biometric Information from you in order to assist us with validating and authenticating your identity during the account opening process and in validating the security of your account and authenticating you as a customer thereafter, both during online use of our services and when calling our customer service offices. You will have the option to provide certain biometric information using our proprietary systems or through protocols provided by our third-party vendors (for example, we may capture your facial geometry by having you take a selfie from your mobile device when you open an account).
American State Bank does not sell your Biometric Information to any third parties. We may share your Biometric Information with our third-party vendors to the extent necessary to enable us to provide you with our services and to use your Biometric Information in connection with the purpose for which it was collected (customer authentication or verification). We will maintain agreements with any such vendor we use that require them to keep your Biometric Information confidential and secure and that otherwise complies with our Mobile Privacy Practices.
We will store your Biometric Information on our systems or those operated by a vendor on our behalf. By enrolling in or using any of our offered biometric authentication or verification programs, you acknowledge and consent to the collection, use and storage of your Biometric Information in compliance with our Mobile Privacy Practices.
Use of Other Technologies
American State Bank may use other use-tracking devices, which may change from time-to-time as technology changes, to help diagnose problems and to administer our mobile applications.