Privacy Notice

The sharing of information that we collect about you is guided by the Liberty Savings Bank Consumer Privacy Notice, which explains how we collect personal information, how we use it, and the choices you may have regarding certain information‑sharing practices.

If you are a California resident, please also review the Additional Privacy Information for California Residents, which provides disclosures and rights available under applicable California privacy laws.

• Liberty Savings Bank Consumer Privacy Notice: Printer-Friendly Version (PDF)
• Additional Privacy Information for CA Residents: Printer-Friendly Version (PDF)

Online Privacy Notice

Liberty Savings Bank (“Liberty,” “we,” “us,” or “our”) values your trust and is committed to protecting the privacy and security of your personal information.

This Online Privacy Notice explains how we collect, use, share, and protect information when you interact with us through our websites, online banking services, mobile banking applications, digital account opening platforms, electronic communications, financial centers, and other digital products and services.

This notice applies to consumers located in the United States and supplements the Liberty Savings Bank Consumer Privacy Notice.

Related Privacy Notices

The sharing of information that we collect about you is guided by the Liberty Savings Bank Consumer Privacy Notice, which explains how we collect personal information, how we use it, and the choices you may have regarding certain information-sharing practices.

If you are a California resident, please also review the Additional Privacy Information for California Residents, which provides disclosures and rights available under applicable California privacy laws.

• Liberty Savings Bank Consumer Privacy Notice: Printer-Friendly Version (PDF)
• Additional Privacy Information for California Residents: Printer-Friendly Version (PDF)

Information We Collect

We may collect personal information directly from you, automatically through your use of our digital services, and from third parties as permitted by law.

Information You Provide

• Name, address, email address, telephone number, date of birth, and Social Security number
• Account information, transaction history, loan application information, and other information related to your relationship with us
• Documents, images, forms, messages, or other information you provide electronically
• Customer service communications by phone, email, text message, secure message, webform, or through our website or mobile application

Information Collected Automatically

• IP address, device identifiers, browser type, operating system, mobile carrier, and network information
• Website, online banking, and mobile application usage data
• Log data, session information, security event information, and authentication-related information
• Approximate location or precise location information when permitted by you or when used for fraud prevention, security, or location-based services

Mobile Application Permissions

Our mobile banking application may request access to features or information stored on your device to provide, secure, personalize, and improve mobile banking services. Before granting access, you will be prompted by your device or application to provide permission. If you do not wish to grant a permission, you may decline. You may later update permissions through your device settings.

Camera and Images

• Capture check images for mobile deposit
• Upload documents for account opening, account servicing, or loan applications
• Scan identification documents or authorized QR codes
• Capture receipts or other documents you voluntarily provide
• Support video communication features, if available

Location Information

• Help detect and prevent fraud or unauthorized transactions
• Support authentication and account security
• Display nearby Liberty Savings Bank locations or ATMs
• Provide location-based services that you choose to use

Contacts

If you grant permission, we may access limited contact information to support features that allow you to add or select recipients, such as person-to-person payment features. We will only access or use contact information as needed to support the service you choose to use, and we do not share your contact list for unrelated purposes.

Notifications

With your consent, we may send push notifications or in-app notifications regarding security alerts, fraud monitoring, account activity, service updates, product information, or promotional information. You may manage notification preferences through your device settings or application settings.

Biometric Authentication and Biometric-Related Information

Our mobile banking application may allow you to use biometric authentication features made available by your device, such as fingerprint recognition, facial recognition, or similar device-based authentication features. These features are optional and are controlled through your device settings.

• When you enable device-based biometric authentication, Liberty Savings Bank does not receive or store your fingerprint, facial image, face geometry, biometric template, or other biometric identifier maintained by your device.
• Your biometric information remains on your device or within the device operating system or authentication service, subject to the terms and settings of your device provider.
• We may receive a confirmation from your device or authentication provider that the biometric authentication was successful so that you can access the mobile application.
• You may disable biometric authentication at any time through your device settings or mobile application settings.
• If Liberty Savings Bank or a third-party service provider uses biometric or biometric-related information for identity verification, fraud prevention, account opening, liveness detection, or similar services, such information will be collected, used, retained, and disclosed only as permitted by applicable law and for the purpose disclosed at the time of collection.

If a specific biometric verification process is offered in the future, Liberty Savings Bank will provide any additional notices or consents required by applicable law before collecting or using biometric information for that purpose.

Images, Documents and Uploaded Media

We may collect images, documents, or other files that you voluntarily provide when using our digital services or mobile applications, including:

• Photos of checks submitted through mobile deposit
• Images of documents provided for account servicing, account opening, or loan applications
• Identity verification documents
• Receipts or supporting records
• Other images, documents, or files you choose to upload through our services

We do not access or collect photos, images, documents, contacts, or media from your device unless you choose to provide them, use a feature that requires them, or grant permission through your device settings. Images, documents, and uploaded media are used only for the purpose for which they were provided and are retained in accordance with applicable laws, regulations, record-retention schedules, and business requirements.

How We Use Your Information

We use personal information, including online, mobile, device, image, document, media, and security-related information, to:

• Provide, administer, and manage banking products and services
• Open, service, and maintain accounts
• Process transactions and service requests
• Verify identity and authenticate users
• Detect, prevent, and respond to fraud, identity theft, cybersecurity threats, unauthorized access, and other risks
• Communicate with you regarding your accounts, services, security alerts, service updates, or promotions
• Improve our websites, mobile applications, products, services, and customer experience
• Personalize digital and mobile experiences and provide relevant alerts, products, or services
• Comply with legal, regulatory, contractual, audit, security, and record-retention requirements
• Protect the rights, safety, property, systems, and information of Liberty Savings Bank, our customers, and others

How We Share Information

We do not sell your personal information.

We may share personal information as permitted or required by law, including:

Everyday Business Purposes

• Processing transactions, maintaining accounts, responding to customer requests, and servicing products and services

Service Providers

• Core processing providers, digital banking providers, mobile application providers, payment processors, card processors, fraud prevention providers, authentication providers, statement and notice vendors, cloud hosting providers, analytics providers, and other vendors that perform services on our behalf

Our service providers are expected to use personal information only for authorized purposes and to protect information in accordance with contractual obligations, applicable law, and Liberty Savings Bank policies.

Legal, Regulatory and Security Purposes

• Federal and state regulators, law enforcement, courts, government agencies, parties involved in legal proceedings, or other parties when required or permitted by law
• Situations involving fraud prevention, information security, account protection, risk management, or protection of the rights and safety of Liberty Savings Bank, our customers, or others

Text Messaging and SMS Communications

Liberty Savings Bank’s Liberty may send marketing text messages about local pop-up events, special offers, and promotions. By opting in, you agree to receive recurring marketing text messages from Liberty Savings Bank.

You can cancel the SMS service at any time. Text STOP to our SMS number. After you send STOP, we will send you a message confirming that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, sign up as you did the first time and we will start sending SMS messages to you again.

If you are experiencing issues with the messaging program, you can reply HELP for more assistance, or you can contact us directly at 800-436-6300.

• Carriers are not liable for delayed or undelivered messages.
• Message and data rates may apply for messages sent to you from us and to us from you.
• You will receive approximately 4 messages per month.
• For questions about your text or data plan, contact your wireless provider.

If you have questions regarding privacy, please review this Online Privacy Notice and the Liberty Savings Bank Consumer Privacy Notice.

Cookies, Analytics and Online Tracking

We may use cookies, pixels, log files, and similar technologies to support website functionality, authenticate users, maintain session security, analyze usage, measure effectiveness of communications and marketing programs, and improve our services.

You can manage cookie preferences through your browser settings. Disabling certain cookies may affect the availability or functionality of some online services.

We may work with analytics providers and other service providers that help us understand website and application performance, improve customer experience, and maintain the security and reliability of our digital services.

Protecting Your Information

We maintain administrative, technical, and physical safeguards designed to protect your personal information in accordance with applicable federal banking regulations and information security standards.

Security measures may include encryption, multifactor authentication, access controls, activity logging, system monitoring, secured files and buildings, network safeguards, fraud detection tools, employee training, vendor oversight, and incident response processes.

No system can be guaranteed to be completely secure. You can help protect your information by using strong passwords, keeping login credentials confidential, updating your devices and applications, and promptly notifying us of suspected fraud or unauthorized account activity.

Security Incident and Data Breach Notification

If a security incident involves personal information, Liberty Savings Bank will investigate and provide notices as required by applicable federal and state laws and regulations.

Data Retention and Disposal

We retain personal information, application information, images, documents, media, transaction records, online activity information, and mobile application information for as long as necessary to provide products and services, meet business needs, comply with legal and regulatory requirements, resolve disputes, enforce agreements, support audits, and protect against fraud or security risks.

When information is no longer required or permitted to be retained, we dispose of it using secure methods appropriate to the type of information and applicable retention requirements.

Children’s Privacy

Our websites and mobile applications are intended for a U.S. audience and are not directed to children under the age of 13, except for accounts opened for a minor by a parent or legal guardian. We do not knowingly collect personal information from children under 13 through our websites or mobile applications without appropriate authorization.

State Privacy Rights

Depending on your state of residence, you may have certain privacy rights under applicable state law. California residents should review Liberty Savings Bank’s Additional Privacy Information for California Residents. If other state privacy laws apply to your relationship with us, we will provide notices and rights as required by applicable law.

Changes to This Online Privacy Notice

We may update this Online Privacy Notice from time to time to reflect changes in legal requirements, technology, products, services, or business practices. Updates will be posted on our website or mobile application with a revised effective date.

Contact Information

If you have questions about this Online Privacy Notice or our privacy practices, please contact us:

Liberty Savings Bank
Phone: (800) 436-6300
Website: www.libertysavingsbank.com