Card Manager Services Privacy Policy

Card Manager Services Privacy Policy

Privacy Policy for the Card Manager Service (Effective as of January 01, 2021)
1. Introduction. This Privacy Policy describes the types of “Personal Information”
(information that is identifiable to a particular person) that is collected (directly or through
service providers) in connection with the Card Manager downloadable application (“App”)
and related services (collectively, the “Service”) offered by your financial institution (“we” or
“us”). This Privacy Policy is intended to supplement the disclosures in any Privacy Policy
that you may have already been presented by us in connection with online banking or other
2. Eligibility. The Service is offered only to individual residents of the United States,
excluding its territories, who can form legally binding contracts under applicable law.
Without limiting the foregoing, the Service is not offered to minors. Other restrictions and
eligibility requirements for the Service apply as described in the Card Manager Terms of
Use. We do not knowingly collect any Personal Information from or about individuals under
18 years of age. Please do not submit such information to us, and as a parent or legal
guardian, please do not allow your children to submit Personal Information without your
permission. By using the App or the Service, you represent that you meet these requirements
and that you agree to the terms of this Privacy Policy.
3. What Types of Personal Information We May Collect. We may collect Personal
Information about you, which may include: name, postal address, zip code, e-mail address,
telephone number, account numbers, payment card expiration date, payment card
identification or verification numbers, social security number, mobile device location, and
other information that we can use to contact you, verify your identity, provide the
functionality available through use of the App and the Service, and manage risks, such as
information maintained about you by identity verification services and consumer reporting
agencies, including credit bureaus, and payment and other transaction information, and
history for payments and other transactions in which you participate through the Service, and
any Personal Information that you may enter into information blocks present in the App
interface or made available through the Service. We may collect information regarding your
mobile device such as device settings, unique device identifiers, information about your
location, and analytical information that may assist with diagnostics and performance. For
your convenience, you may be asked to grant permission for access to your mobile device’s
geolocation data. This information may be collected when you use certain services that are
dependent on your mobile device’s location (such as the location of an ATM or in store
4. How We May Collect Personal Information About You. We may collect Personal
Information about you from the following sources:
a. Information that you input to the App or that the App collects automatically;
b. Your use of the App and the Service, and your interactions with customer care, including
information you enter or speak, and information transmitted by your computer or mobile
device or other devices you use as part of your receipt of the Service; and
c. We may also collect Personal Information about you from others, such as Affiliates, or
other companies (such as for fraud detection).
5. How We May Share Personal Information About You. We share Personal Information
about you only as permitted by law. For Personal Information that is nonpublic and that we
collect in connection with a financial service, U. S. federal law permits us to share such
information only for the purposes shown in the following table:
Reasons we can share
Personal Information about
Do we share? Can you limit this sharing?
For our everyday business
purposes – such as to process
your transactions, respond to
court orders and legal
investigations, and report to
credit bureaus;
Yes No
For our marketing purposes –
to offer our products and
services to you;
Yes No
For Joint Marketing with
other financial companies; No We Do Not Share
For our Affiliates’ everyday
business purposes
(information about your
transactions and experiences);
Yes No
For our Affiliates’ everyday
business purposes
(information about your
No We Do Not Share
For our Affiliates to market to
No We Do Not Share
For Nonaffiliates to market to
No We Do Not Share
6. How We May Use Personal Information About You. We use Personal Information about
you only as permitted by law, including but not limited to the following purposes:
a. To complete transactions and render services authorized by you;
b. Other everyday business purposes, such as to maintain your ability to access the Service,
to send you information about the Service, to effect, administer and enforce transactions, to
perform fraud screening, to prevent actual or potential fraud and unauthorized transactions,
to verify your identity, to determine your credit history, to verify the information you provide
to the Service, to perform collections, to report to credit bureaus (including furnishing
delinquent account information), to comply with laws, regulations, court orders and lawful
instructions from government agencies, to protect the personal safety of users of the Service
or the public, to prevent and defend claims, to resolve disputes, to troubleshoot problems, to
enforce our Terms of Use, to protect our rights and property, and to customize, measure, and
improve the Service and the App, including pattern recognition, modeling, enhancement and
improvement, system analysis, and Service performance analysis;
c. For marketing purposes – to offer products and services to you, although you may opt-out
of receiving commercial email marketing messages from us by following the opt-out
processes described in those messages; and
d. If we are involved in a merger, acquisition, or sale of all or a portion of our assets that
results in a change of the majority ownership of the App or the Service or the entity that
owns them, you will be notified of this via email and/or a prominent notice on the App, as
well as any material change in uses of your Personal Information, as well as any choices you
may have regarding Personal Information about you.
7. Definitions.
a. “Affiliates” means companies related by common ownership or control. They can be
financial or nonfinancial companies.
b. “Nonaffiliates” means companies not related by common ownership or control. They can
be financial or nonfinancial companies.
c. “Joint Marketing” means a formal agreement between nonaffiliated financial companies
that together market financial products or services to you.
8. How We Protect Personal Information About You. To protect Personal Information about
you from unauthorized access and use, we maintain physical, electronic, and procedural
safeguards, including but not limited to security measures that comply with applicable
federal and state laws. We also require our service providers and business partners to whom
we disclose the information to do the same. When you enter sensitive information (such as a
debit or credit card number) into the App, we encrypt the transmission of that information
using secure socket layer technology (SSL). We may retain and use your information as
necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
9. Data Retention. We will retain, protect, use and share Personal Information about you as
long as it is reasonably required for the purposes described in this Privacy Policy, and as
required by law, including but not limited to risk management, regulatory compliance, and
audit purposes.
10. Amendments. We may amend this policy at any time by posting a revised version in the
App. The revised version will be effective immediately at the time it is posted unless a
delayed effective date is expressly stated therein. You may (in our discretion) also be
provided with an email notification of such amendments. If we make any change in how we
use your Personal Information, we will notify you by email or by means of a notice in the
App prior to the change becoming effective. You may (in our discretion) be required to
affirmatively acknowledge or accept the revised Privacy Policy in order to continue using the
App and the Service. Any use of the App or the Service after a notice of change will
constitute your express agreement to such changes.

First State Bank of Newcastle

 “Community Banking for You”

Serving Northeast Wyoming since 1924