General Privacy Policy
Omni National Bank
customerservice@onb.com
The Directors and staff of Omni National Bank respect your privacy.
We recognize and accept our responsibility to maintain all information
about you and your business affairs in strictest confidence.
We share your nonpublic information with service provider vendors
to process your transaction account activity and to render periodic
statements of this activity. We share your nonpublic information
with vendors hired by or under contract with us to provide the tools
necessary to facilitate your banking, i.e., personal/business check
printer vendors, and with service provider vendors for ATM/VISA Debit
Card issuance or problem solving.
We share nonpublic customer information with recognized legal
entities when we are required by law to do so. We share nonpublic
customer information with collection companies we hire to collect
delinquent monies owed to us.
Maintaining the security and confidentiality of customer information
is a top priority for us at Omni National Bank. We want you to understand
what information we collect and how we use it. Omni National Bank
has adopted the following privacy policy regarding the collection,
use, retention, and security of your personal and financial information.
Information We Collect
We may collect “nonpublic personal information” about
you from the following sources:
- Information we receive from you on applications or other loan
and account forms;
- Information about your transactions with us or our affiliates;
and
- Information we receive from third parties such as credit bureaus.
- Information we receive through our Customer Identification Program.
For purposes of this privacy policy, the following terms will have
the meanings indicated:
“Nonpublic personal information” is
nonpublic information about you that we obtain in connection with
providing a financial product or service to you. For example, nonpublic
personal information includes information regarding your account
balance, payment history, and overdraft history. Nonpublic personal
information does not include information that is available from public
sources, such as telephone directories or government records.
When we use the words "you" and
"your" we mean the following types of customers:
- All of our consumer customers who have a continuing relationship
with us such as:
- Deposit (transaction) account
- Loan account
- Credit card
- Safe Deposit box
- Retail installment contract we hold and service, i.e. lease.
- All persons (individuals) who do not have a continuing relationship
with us but who may use a financial product or service we provide
in isolated transactions. This includes, for example, someone who:
- Purchases traveler's checks or money orders
- Applies for a loan that is either withdrawn or declined.
- All former customers
“We”,
“our”, and “us” means
Omni National Bank.
An “affiliate” is a company we own or
control, a company that owns or controls us, and a company that is
owned or controlled by the same company that owns or controls us.
Ownership does not mean complete ownership, but means owning enough
to have control.
A “nonaffiliated third party” is a company
that is not an affiliate of ours but a company hired by or under
contract to us to facilitate a service.
Information We Share
We do not sell or share customer nonpublic information to outside
vendors for solicitation of another company's products or services.
Omni National Bank does not sell customer information to anyone.
In certain circumstances we may disclose nonpublic personal information
about you to third parties to assist us in servicing your loan or
account with us, to governmental entities in response to subpoenas,
and to credit bureaus.
We may share your nonpublic information with service provider
vendors to process your transaction account activity and to render
periodic statements of this activity. We share your nonpublic information
with vendors hired by or under contract with us to provide the tools
necessary to facilitate your banking, i.e., personal/business check
printer vendors, and with service provider vendors for ATM/VISA Debit
Card issuance or problem solving. We share nonpublic customer information
with recognized legal entities when we are required by law to do
so. We share nonpublic customer information with collection companies
we hire to collect delinquent monies owed to us.
We do not disclose any nonpublic personal information to anyone,
except as permitted by law.
If you decide to close your account(s) or become an inactive customer,
we will continue to adhere to the privacy policies and practices
described in this notice.
Our Security Procedures
We also take steps to safeguard customer information. We restrict
access to your personal and account information to those employees
who need to know that information to provide products or services
to you. Employees who violate these standards will be subject to
disciplinary measures. We maintain physical, electronic, and procedural
safeguards that comply with federal standards to guard your nonpublic
personal information.
If you share your account relationship with someone else, for
example when you are a co-borrower or joint holder of a checking
account, we suggest that you share this information with each other
to ensure that each of you are aware of our policy and your options.
Internet Privacy Notice
Personal Information Collected
Our website does not collect personal identifying information
about you except when specifically and knowingly provided by you.
Once you have provided personal identifying information, it will
be used for the purpose as described at the point of data collection.
All such information will then be subject to the provisions of our
Privacy Notice.
General Information Collected
For each visitor to our web pages, our web server automatically
recognizes a user’s software information, such as domain name
(i.e., aol.com, msn.com), browser and operating system without identifying
the user. We also aggregate information on these visits to our site
that tells us such things as: how many visitors we had, what sites
they came from, which of our pages they visited, how long they stayed
at each site, and the total time of their visits.
The general information we collect is used to analyze and improve
the content of our site. It is not shared with other organizations
for commercial purposes.
If you send us e-mail, your return address will be displayed in
the header we receive. We will use this information to respond to
your inquiry and we will keep your message as a record of our contacts.
We will not share that information with outside companies or agencies
unless it is necessary for us to do so in order to respond to your
e-mail or carry out a request therein, or unless we are required
to so by law or court order.
Cookie Technology
Some Areas of our Website may use a “cookie” stored
in your computer memory. A cookie is a small piece of information
which a website stores on your web browser on your PC and can later
retrieve. The cookie cannot be read by a website other than the one
that set the cookie. We use cookies for a number of administrative
purposes; for example, to store your preferences for certain kinds
of information so that you do not have to input it every time you
visit our site. None will contain information that will enable anyone
to contact you via telephone, e-mail, or any other means. You can
set up your web browser to inform you when cookies are set or to
prevent cookies from being set.
Children’s Online Privacy
Because we have no way of distinguishing the age of individuals
who access our website, we collect the same general information we
collect from any website user as well as personally-identifiable
information from individuals under the age of 14 if they provide
it. If such information is received via e-mail, we will respond to
the communication as warranted but only retain the information in
accordance with our general information collection policy. If an
individual under the age of 18 provides us with personally-identifiable
information through an internet account application, the application
will be declined and all related information would only be maintained
as required or allowed by law.
Links To Our Website
We are not responsible for the content or the privacy policies
of websites to which we may provide links.
Changes To This Internet Privacy Notice
We reserve the right to introduce new services or practices that
may require a change to the provisions of this notice. We are committed
to updating our Internet Privacy Notice promptly to keep you informed
on how we use information you give us.
Contact Us
We value your relationship. We want you to know how we use the
information you provide and our commitment to ensuring your personal
privacy. If you have any questions about how we protect your confidential
information, about the privacy provisions of this notice, please
contact us as customerservice@onb.com.