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Cash Management Mobile Privacy Policy

New: August 29, 2023

Kennebunk Savings Cash Management Mobile Banking Service (the “App”) – powered by Fiserv – makes it easy to manage your business finances on the go.

The App allows you to:

  • Get real-time balances for your business accounts
  • Manage your business accounts
  • See transactions
  • Make transfers
  • Deposit a check via your mobile device
  • Receive fraud and other alerts

This App Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), informs you of the policies and practices regarding the collection, use and disclosure of any personal and business information that we and our service providers collect from or about users in connection with the mobile application (the “Services”).

The types of information we collect in the App

Through your use of the Services, we may collect personal and business information from you in the following ways:

(a) Information You Provide to Us

  • We may collect personal and business information from you, such as your first and last name, business address, business email, telephone number, and social security number when we create a business deposit account.
  • We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, verification numbers, and transaction and payment history.
  • If you provide 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 and business information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.

(b) 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., Wi-Fi, 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 Services, 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 even when the App is closed or not in use; 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 and business information collected through your use of the Services to respond to your business account requests as submitted through the Services, to provide your business the Services you request, and to help serve your business better. We use your personal and business information, in connection with the App, in the following ways:

  • Facilitate the creation of, and secure and maintain the business account;
  • Identify you as a legitimate user for your business in our system;
  • Provide improved administration of the Services;
  • Provide the Services you request for your business;
  • Improve the quality of experience when you interact with the Services;
  • Send your business administrative email notifications, such as security or support and maintenance advisories; and

(b) Compliance and protection – We may use your personal and business 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 business, 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 Services; and
  • Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft fraud.

(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, name of business) that means the information personally identifiable to you or identifiable to your business. We may use this information in a form that does not personally identify you or identify your business 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 and business information

We disclose your personal and business information collected through your business use of the Services as described below.

(a) In Accordance with Our Other Privacy Notices – Other than as described in this App Privacy Policy, this App Privacy Policy does not apply to the processing of your or your business information by us or third parties with whom we share information.

(b) Third Party Service Providers – We may share your personal and business information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purpose described in this App Privacy Policy, including: to provide your business with the Services; to conduct quality assurance testing; to facilitate the creation of business accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services in the App.

(c) Authorities and Others – Regardless of any choices you make regarding your personal or business information, the App may disclose your personal and business 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, business 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 App Privacy Policy does not apply to these third party websites. We encourage you to read the privacy policy of every website you visit.

Your choices regarding your personal and business information

You have several choices regarding the 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 standard is established, we may revise this App Privacy Policy on responding to the signals.

(b) Access, Update, or Correct Your Information – You can access, update, or correct your personal or business information by contacting us using the information under “Contact us” below.

(c) Opting Out of Email or SMS Communications – If your business has 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 a mobile phone number through the Services, we may send you notifications by SMS, such as to provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone 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, 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 or wireless communication is not completely secure and we cannot guarantee the security of your information.

Federal laws and regulations require that US financial institutions retain original, active and historical records. Your personal and financial data will be retained for a period of five to ten years, depending on applicable laws, regulations and legitimate business needs.

App Privacy Policy updates

This App Privacy Policy is subject to occasional revision.  We will notify you of any material changes in its collection, use, or disclosure of your personal and business information by posting a notice on the Services.  Any material changes to this App 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 changes shall indicate your acknowledgement of such changes.

Contact us

If you have any questions or concerns about this App Privacy Policy or the App’s data collection or processing practices, or if you want to report any information security violations pertaining to the App, please contact us:

Phone: 1-888-572-5249

Mail:

Kennebunk Savings

Cash Management

PO Box 28

Kennebunk, ME 04043

Our Website: Submit a secure message at https://www.kennebunksavings.com/business-banking-services/cash-management/message/

Business Online Banking: Submit a secure message