Our mission is to provide high-quality products and services that result in lasting customer relationships. As financial services professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Privacy Policy serves as a standard for all First Farmers employees in the collection, use and security of information for customer accounts.

Information about consumers is accumulated from a variety of sources:

• Provided by customers themselves
• Developed by the bank as a function of providing a product or service to a customer
• Obtained from outside sources, such as credit bureaus

We collect and retain information about our customers only for specific business purposes. We may use information to:

• Protect and administer customer records, accounts, and funds
• Understand the financial needs of our customers so that we can provide quality products and superior services
• Design or improve our products and services
• Identify additional products and services which we believe customers might want to know about
• Identify and mitigate potential risks or loss to our bank
• Comply with certain laws and regulations

We maintain confidentiality of information on former customers as well as current customers.

We use cookies and other tracking tools to help personalize and enhance your online experience.

Like many other companies, we use cookies and other tracking technologies (such as pixels, web beacons, clear GIFs, and Flash objects) when you interact with us online through our website(s) and mobile applications. Cookies are small files of information that are stored by your web browser software on your computer hard drive, mobile or other devices (e.g., smartphones or tablets). Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

We may use cookies to:

• Estimate audience size and usage patterns
• Understand and save your preferences for future visits, allowing us to customize our site and services to your individual needs
• Advertise new content and services that relate to your interests, and keep track of advertisements and search engine results
• Compile aggregate data about site traffic and site interactions to resolve issues and offer better site experiences and tools in the future
• Ensure browsing security
• Recognize when you return to our site
• Any other legitimate business reason order to enhance overall user experience

One of the primary purposes of cookies is to provide a convenience feature to save you time and create efficiencies. We set some cookies ourselves and others are created by a website other than ours. We use cookies set by other entities to provide us with useful information to help us improve our site and services, to conduct advertising, and to analyze the effectiveness of advertising. For example, we use cookies from Google, Facebook and other similar companies.

We use technology supplied by certain service providers to better understand our users’ needs and to optimize our services and your experience. The technology helps us better understand our users’ experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our services with user feedback for optimal user performance. This technology uses cookies and other tools to collect data on our users’ behavior and their devices. This may include a device’s IP address (processed during your session), device screen size, device type (unique device identifiers), browser information, and the preferred language used to display our site.

We will retain personal information collected through cookies for as long as needed or permitted in light of the purpose(s) for which it was obtained. The criteria used to determine our retention periods includes the purposes for which the data was collected, whether there is a legal obligation to which the bank is subject and whether retention is advisable in light of the bank’s legal position.

Managing Cookies

You have choices about how cookies are used during your visits to our website(s) and mobile applications.

Specifically:

• Cookies can be blocked by changing your internet browser settings to refuse all or some cookies. If you choose to block all cookies, including strictly necessary cookies, you may not be able to access all or parts of the site. You can find out more about Cookies and how to manage them by visiting   https://www.allaboutcookies.org/privacy-concerns/.
• You can opt out of cookies created by specific entities by adjusting the platform controls with specific entities by following the instructions found at these links: Google: https://adssettings.google.com Facebook: https://www.facebook.com/about/ads.
• You can understand which specific entities have currently enabled cookies for your browser or mobile device and how to opt-out of some of those cookies by accessing the Network Advertising Initiative’s website or the Digital Advertising Alliance’s website. For more information on mobile specific opt-out choices, visit the Network Advertising Initiative’s Mobile Choices website at this link: http://thenai.org.

Please note that these opt-out mechanisms are specific to the device or browser on which they are exercised. Therefore, you will need to opt out on every browser and device that you use in the event you use multiple devices and/or browsers.

To ensure that your personally identifiable information receives an adequate level of protection, the bank has put in place appropriate procedures with the service providers it shares your personally identifiable information with to ensure that it is treated consistent with applicable data security and privacy laws. For example, we use service providers to allow us to accept applications and deliver our financial products and services.

We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses cookies or other tracking technologies to help us analyze how users interact with our site and services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here. Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, the site does not currently interpret, respond to or alter its practices when it receives “Do Not Track” signals.

We do not reveal specific information about your accounts or other personally identifiable data to third parties unless:

• You request or authorize it
• The information is provided to help complete, administer, or enforce a transaction initiated by you
• The information is provided to a reputable credit bureau or similar information reporting agency
• The disclosure otherwise is lawfully permitted or required

We do not provide account or personal information to third parties for the purpose of independent telemarketing or direct mail marketing of any products or services of those businesses.

At First Farmers, employee access to personally identifiable customer information is limited to those with a business reason to access such information. Each employee is required to follow our company’s Code of Ethics, which declares that customer information must be held in strictest confidence. Employees who violate the Code of Ethics are subject to disciplinary measures.

All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

When the bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

Additional information about our measures to safeguard your personal information is provided in the bank’s Policy on the Safeguarding of Customer Information.

Some features included in digital banking may request access to data located on the device used to access digital banking.  This may include biometric, camera, contacts, and location data.  You will be prompted to allow access to this data, and if access is not allowed, the feature requiring that data will not be fully functional.

Contact us with questions.
Download Privacy Notice