First National Bank of Bosque County

Online Banking Privacy Policy

Last modified 06/09/2026

This Overall Privacy Statement discloses the privacy practices for the Bank’s Web site, the Online Banking Web site, and our mobile banking app (collectively “Online Services”). We strive to provide valuable information to you about how we may serve you. Whether you are a valued existing customer or someone shopping for new bank services, we hope our Online Banking sites answer your questions about our products, services, hours and locations. This statement tells you what information we collect through our Online Banking sites, how we collect it, and how we use that information.

 

THE BANK’S PRIVACY POLICY

The Bank understands that our customers are concerned about the privacy of their personal information. We are publishing this Privacy Policy to reaffirm our commitment to you to maintain the privacy of the information with which you have entrusted us and to inform you of our practices concerning the collection and use of information with which you provide us. Your privacy always has been, continues to be, and always will be one of our most important concerns. Not only does the Bank follow the letter and the spirit of federal and state laws, but we also attempt to follow our even stricter internal standards of customer privacy. An important part of our employee orientation program is the emphasis we place on customer information privacy. These employee responsibilities are included in the employee Code of Conduct. Employees who violate or fail to report a violation of our customer information privacy policy are subject to immediate disciplinary action, up to and including dismissal.

Information technology is rapidly evolving. The Bank publishes information about its services in various print and electronic media, including Web-based formats. We are continually adapting to changes in technology to bring our customers the information they need faster and more efficiently than ever before. The Bank pledges to its customers that it will not adopt any technology that forces it to compromise its total commitment to the privacy of our customers’ records and information.

 

ACCESING ONLINE SERVICES

We collect information about you in a variety of ways. For example, we may collect information:

  • Directly from you. We and others on our behalf may collect information directly from you, such as when you apply or register for our products and services, use our online banking services or mobile apps, communicate with us, respond to surveys, provide feedback, or enter contests or promotions.
  • Automatically when you use our Online Services. We and others on our behalf may collect Device Data, Online/Mobile Activity Data, and other information automatically when you interact with us online.

 

Depending on how you interact online with us, we may collect various types of information about you. For example, we may collect:

  • Contact or identity data, such as your name, mailing address, email address, phone number, date of birth, government-issued identifier (e.g., Social Security number, tax ID number, driver’s license, or other government ID), citizenship, business contact and professional information, username and password, profile picture, and other information that directly identifies you.
  • Account data, such as account number, credit/debit card number, account history, account balances, loan details, vehicle or property information, information about beneficiaries and joint account holders, business-related information (e.g., business name, address, revenue, and industry type), information you provide when using our travel, entertainment, or dining services (e.g., dietary, seating, or other preferences), and other information related to your Capital One accounts, applications, or prequalification inquiries.
  • Transaction data, such as credit/debit card purchases, payment or transaction history, transaction details when you transfer money to or from your Capital One accounts, third-party billing or bank information or statements, payment card details, and information about flights, hotels, events, and other reservations booked through our travel, entertainment, or dining services.
  • Biometric information, such as physical or behavioral characteristics that are used or intended to be used to establish identity including for authentication or fraud prevention purposes.
  • Documents or images, such as check images or documents submitted through our online portals.
  • Credit report information, such as your credit score, credit history, and other information that we receive from credit reporting agencies when you use our Creditwise features or mobile app.
  • Demographic data, such as gender, marital status, age, household size/composition, education information, income, occupation, veteran or military status, and employment status.

 

When you use or interact with our Online Services, including, for example, when you browse our website or use our mobile apps, we may also collect:

  • Device data, such as your device type, web browser type and version, operating system type and version, display/screen settings, language preferences, device contacts (e.g., to facilitate Zelle payments), photos (e.g., to deposit checks), internet protocol address, mobile network information, general location (e.g., city, state, or country), precise location (e.g., latitude/longitude to find a nearby branch or ATM), cookie IDs, device IDs, and likely connections among different browsers and devices that you use (collectively, “Device Data”).
  • Online/mobile activity data, such as login data, search history, information about how you use and interact with our Online Services (including content viewed, links clicked, and features used), when and how often you use our Online Services, the webpage from which you clicked a link to come to our Online Services (e.g., the referrer URL), and crash reports (collectively, “Online/Mobile Activity Data”).
  • Marketing data, such as your marketing preferences, information about products or services we think you might like, and inferences based on your interactions with us or our partners.
  • Communications data, such as your communication preferences (e.g., enrollment in offers and alerts) and details or the content of your communications with us (e.g., chat messages and emails).
  • Survey and research data, such as your responses to questionnaires, surveys, requests for feedback, and research activities.

 

 

CUSTOMER REGISTRATIONS AND USING BANK PRODUCTS AND SERVICES

The Bank collects personal information only when visitors to our Online Services voluntarily provide it.

We collect and maintain personally volunteered information and data about our customers for a variety of reasons. We know that the more we know about our customers, the better we can understand their unique financial needs. With this understanding, we can provide our customers with the appropriate products and exemplary customer service that are the foundation of our banking philosophy. We also use customer information to help us with new product development. Sometimes we gather customer information because we are required to do so by laws or regulations. Finally, we use customer information to help maintain the security and privacy of your accounts with us. The more we know about you, the better we can prevent someone from impersonating you to gain access to your accounts.

Some pages within the Bank’s our Online Services may ask users to provide individually identifiable information in order to open an account, order a product or service, or to register for a trial subscription. You will know when this information is recorded because you will be asked to provide this information in order to complete a form and submit it to the Bank. This requested data might include such things as your name, a personal identification number, mail and e-mail addresses, or telephone numbers. If the form concerns a mortgage or other loan application, additional financial information would be asked for.

The Bank collects this voluntarily provided information because it is needed to provide the products and services to those requesting them, to provide various forms of customer support, or to administer certain kinds of accounts. The Bank occasionally compiles online transaction and registration information for our own internal analysis, such as allowing us to identify market segments and needs, as well as to inform current and prospective customers about the Bank’s existing and potential products and services.

 

INTERNET PRIVACY

The Bank will protect and respect your privacy on the Internet. To provide better service and more effective our Online Services, we may use “cookies” as part of our interaction with your Web browser. These cookies do not collect information that will personally identify you. Cookies are used to estimate the size of our Online Services audience. Each browser accessing our site is given a unique identification (“cookie”) that is then used to determine whether a user is a first-time browser or a return visitor. This helps us to manage the Web site better and deliver more customer-oriented service.

If you wish, you can disallow cookies by making the appropriate selection from your browser options. You should understand, however, that certain services provided over the Internet by the Bank may require cookies for effective delivery.

 

USE OF COLLECTED INFORMATION

We use information for various purposes depending on how you interact with us. For example, we may use information about you for the purposes described below:

  • Providing our products and services, such as enabling you to apply for and obtain products or services, evaluating your application or eligibility for a product or service, servicing and managing your accounts, sending you an alert you signed up for, providing customer service or support, and providing online tools and features.
  • Processing transactions and payments, such as transferring funds between accounts, processing payments or transactions, fulfilling orders, and conducting settlement, billing, processing, and transaction clearing.
  • Verifying your identity, such as conducting identity verification when you apply for our products or services, authenticating your login credentials, verifying your location to allow access to your accounts, and storing security questions for subsequent verification online or over the phone.
  • Detecting and preventing fraud, such as determining fraud risk and identifying fraudulent or otherwise unauthorized transactions.
  • Protecting against security risks, such as monitoring network activity logs, detecting security incidents, conducting data security investigations, and otherwise protecting against malicious, deceptive, fraudulent, or illegal activity.
  • Communicating with you, such as communicating with you about the services we provide to you or requesting feedback.
  • Advertising and marketing, such as sending you offers for special products and services via mail, email, push notifications, or text message, conducting market research, and evaluating or improving the effectiveness of our marketing efforts.
  • Conducting analytics and research, such as examining which parts of our website you visit or which aspects of our mobile apps you find most useful, evaluating user interface and experiences, testing features or functionality, performing debugging and error repair, and analyzing the use of our Online Services.
  • Improving our products and services, such as personalizing and optimizing your website and mobile experiences, recognizing you across different browsers and devices you use and across different interactions with us, and improving existing products and services or developing new products and services, including by developing and training models to be used in connection with our products and services (e.g., to protect against fraud and other harm or to personalize your experiences).
  • Carrying out legal and business purposes, such as complying with applicable laws, responding to civil, criminal, or regulatory lawsuits, subpoenas, or investigations, exercising our rights or defending against legal claims (including for collections and recoveries on past-due accounts), resolving complaints and disputes, performing compliance activities and audit functions, analyzing credit risk, conducting credit reporting activities, regulatory reporting, performing institutional risk control, conducting human resources activities, and otherwise operating, managing, and maintaining our business.
  • Creating aggregated and de-identified information, such as using or modifying the information described in this Privacy Policy in a manner that does not allow us to reasonably identify you. For example, we may compile aggregated statistics or use deidentified data to detect and prevent fraud, understand trends, research the percentage of users accessing a specific website feature, or improve our services. Information that has been aggregated and de-identified is no longer subject to this Privacy Policy.

 

In all cases, the Bank will limit the collection and use of information about you to that which is necessary to administer our various banking functions, provide superior customer service, and to offer financial opportunities that we believe will be of interest to you.

The thoroughness, accuracy and integrity of customer records are of paramount importance to us. If the Bank becomes aware of any inaccuracies or any breach of confidentiality, we will take prompt steps to ensure appropriate corrections. If you believe any information that we have about you or your accounts with us may be incorrect, please notify us immediately.

 

THIRD PARTIES OUTSIDE THE BANK

Occasionally the Bank will share customer information with companies outside the Bank organization with whom we have contracted to provide operational support or various products and services. These organizations are not permitted to use your information for anything beyond the intended service, and they are allowed access to your information only because they have contractually agreed to treat it with the same confidentiality the Bank uses. Also, so that we may verify the existence and condition of customer accounts, we will continue to exchange customer information with reputable credit reporting agencies, financial institutions, and merchant organizations, in accordance with standard banking industry practices.

 

LINKS TO OTHER SITES

To provide our customers with greater access to information that may be of interest to them, the Bank’s Web site may contain links to other sites. Although the Bank hopes that these other organizations join us in respecting your privacy, the First National Bank of Bosque County is not responsible for the content of those Web sites or the privacy practices of those organizations.

 

SECURITY SAFEGUARDS

The Bank takes administrative, physical, and technical steps to protect against unauthorized access to, and disclosure of individually identifiably information used to administer its customer’s accounts. All such information is handled securely within the Bank and is not disclosed to unauthorized third parties.

As communication technology continues to evolve, the Bank will review and revise its data protection practices from time-to-time. Changes will be incorporated into the policy as needed.

 

ENSURING FURTHER PRIVACY

If a customer does not wish to be contacted by the Bank via e-mail, surface mail, fax, or telephone, they may inform the Bank. You may exclude yourself from such Bank solicitation lists by calling (844) 826-7783, or by sending an e-mail to customerservice@fnbbosque.com

You may telephone this same number if you do not wish to have your information, other than credit and experience history, shared among affiliates of the Bank.

 

QUESTIONS

If you have any questions or concerns regarding the Bank’s Internet practices or customer privacy policies, please telephone us at (844) 826-7783 or send an e-mail message to the Bank at customerservice@fnbbosque.com

The First National Bank of Bosque County reserves the right to change this policy at any time by posting a new privacy policy. We hope you enjoy your visit to this site. Please let us know how we may serve you further.