mph.bank privacy notices

mph.bank Consumer Privacy Notice:  PRINTER-FRIENDLY VERSION (PDF)

Additional Privacy Information for CA Residents: PRINTER-FRIENDLY VERSION (PDF)

Online Privacy

This writing is intended to explain how we collect, share, use, and protect information that you provide to us when you visit our website, open an account using our online banking platform, process transactions, view content through any digital advertising campaign, or engage with us on any mph.bank branded social media sites.   Throughout this writing, any references to how we use your information through online or digital channels will be referred to collectively as “digital services.”  Any references to “us,” “we,” or “bank,” means mph.bank.

Generally,

• All of our digital services are intended for a U.S. audience.
• We do not collect information on children under 13 except accounts opened for a minor by a parent or legal guardian as a joint owner. Access and permissions to digital account services are designated by the parent or legal guardian until the minor reaches the age of majority. The understanding is that the age of majority is 18 except for the states of Alabama and Nebraska (19 years of age) and Mississippi (21 years of age).
• The sharing of information that we collect about you is guided by the mph.bank Consumer Privacy Notice which explains how we collect information, what we use that information for, and what you may be able to opt out of for marketing purposes. If you are a California resident, you will want to review the Additional Privacy Information for CA Residents.

Agreement

• To the extent permitted by applicable law, by interacting with a mph.bank advertisement on a third-party site, you consent to this policy, including your consent to our use and disclosure of information about you.

Information and images we collect:

There are many ways you can interact with us online, including a mobile device.  We may offer sites or applications that permit browsing and do not require registration.  We may also offer the ability to enroll, register, or access your accounts online.  This information includes your name, address, email address, and other contact information to include data resulting from your activity, such as transaction information, the pages you visit Site location information, and behavioral characteristics, such as keystroke and mouse movement patterns.  We may also collect additional information such as the type of device and browser you are using, the IP address of our device, information about your device’s operating system, and additional information associated with your device.  We may also collect information through cookies, tags, and other technologies described below.

We collect images that you provide to us as part of ordinary business purposes.  For example, we will ask you to provide an image of your primary identification (Drivers License, Passport, State ID, etc.), as well as other images to support our identification purposes when you apply for an online account with us.  We will never collect an image from you that you have not provided express permission for us to use, or permission is implied due to the nature of the digital service you engage.   i.e you access the mobile check deposit service, which cannot process your check deposit without you uploading the front and back image of the check you want to deposit.

Cookies and how they are used: 

Cookies are small text files that your browser stores on your computer or mobile device when you visit a site.  When you return to a site you have visited before, your browser gives this data back to the site to help it remember your preferences and personalize your experience, enhance site performance and security, and enable preference-based advertising.  When you visit our site, we, or our service providers, may use cookies or other similar technologies to collect information.

Information collected using cookies may be used to make offers to you via online ads, email, U.S. mail, or telephone, subject to privacy preferences you have opted out of.  We use cookies to advertise to you on our Site to help us determine what would most likely appeal to you.  We also use cookies to help maintain continuity during an online session, collect data about our Site, monitor online promotions and anti-fraud and information security purposes.

Who collects information:

• We primarily collect information to provide services and marketing for you. We may use service providers who only use the information for these purposes.
• We offer features like social media sharing and maps from third-party websites. These features may use their cookies, and they may collect information about your browsing activity on our site. You should review their privacy policies to understand how they handle your data.

Industry standards and tracking:

• We are currently following industry standards for data collection. We may not respond to “do not track” signals from your browser.

Managing cookies and ad choices:

• We may use information from one browser or device to personalize your experience on other devices you use. Opting out on one device will not affect other devices.
• You can set your browser to reject cookies, but this may limit your access to certain features on our website. Check your browser’s settings for cookie management options.

Additional technologies:

• We use technologies like pixel tags, web beacons, and SDKs to analyze user behavior and improve our services. By using our website, you consent to this data collection.
• We may use “Flash cookies” for security purposes, but not for advertising. You can manage these cookies on the Adobe website. Disabling them may limit website functionality.

How we use your information: 

In addition to the uses described above, we use information for purposes allowed by law such as:  servicing your accounts, communicating with you, improving our Site, products or services, legal compliance, mitigating risk, information security, anti-fraud purposes, marketing or personalizing how our products are presented to you, or tracking email access or website usage such as number of hits, pages visited, and the length of user sessions to evaluate the usefulness of our sites.

Sharing of Information:

We may disclose information with service providers such as data processors and companies that help us market products and services to you.  When permitted or required by law, we may disclose information to additional third parties for purposes including response to legal processes, as well as third-party verification sites to aid in the identification and authentication of new account applications. For more information on how we share information and how to opt-out, please refer to the Liberty Savings Bank consumer Privacy Notice link at the top of this page.

Updating Your Information:

Keeping your demographic information (i.e. email address, phone number, address, etc.) up to date is very important.   If you cannot change any incorrect information online, or you prefer to request changes differently, you can secure message us from within your mobile app, call us at 800-892-8798, or write to us at mph.bank/Liberty Savings Bank, FSB,  2323 Stickney Point Rd, Sarasota FL,

Policy updates:

If we make any update to this policy, then the most current revised date is the current version.  Any updates to this policy become effective when posted on mph.bank, and your use of the site after it is updated is your indication that you accept the updated Policy.