Disclosures South Georgia Banking

I. Definitions.
“We”, “our”, “us”, and “the Bank” means South Georgia Banking Company and its affiliates.
“Policy” means this Online Privacy Policy.
“Online platforms” shall mean our website and mobile applications.
“You” and “your” means you, the individual(s) or entity accessing our online platforms subject to the stated guidelines found in this Policy.

II. Our Online Privacy Practices
This Policy applies to use of online services owned and/or controlled by South Georgia Banking Company, including but not limited to our online platforms.

As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you information about other services. This Policy details how we may collect, share, and use information about you based on your interaction with our online platforms, advertisements, third-party websites and South Georgia Banking Company branded social media accounts and the choices you can make about how your information is collected and used. This Policy applies to information collected online only. By using or accessing our online platforms, you confirm your agreement to the terms and conditions of this Policy in effect at that time and consent to our use of cookies and like technologies.

As you review this Policy, please be aware of the following:

Personal information that you share on South Georgia Banking Company-managed social media accounts, such as Facebook, Twitter, Instagram, LinkedIn, and/or YouTube, are subject to the privacy policies and terms of use of those platforms, respectively. Please refer to those policies before posting any content to those pages. Please do not provide personal information to South Georgia Banking Company through public social media pages.
Our online platforms are not intended for children under the age of 13. We do not knowingly collect personal information from individuals under the age of 13 without parental consent. To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission’s website at https://www.ftc.gov/.
This Policy supplements, but does not replace, our Digital Banking Terms of Use for South Georgia Banking Company online platforms. In the event of a conflict between the terms of this Policy and Digital Banking Terms of Use, the terms of this Policy will govern and control with respect to matters addressed in this Policy.

To ensure information remains confidential, South Georgia Banking Company uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our online platforms. When using South Georgia Banking Company online platforms, you are accessing your account information using a secured connection and the transfer of your account data from our host system to your personal computer is encrypted.

III. What Information We Collect:
A. PERSONAL INFORMATION

When you visit our online platforms, we collect personal information that you provide, including in our forms, applications, surveys and other online fields. This information may include your name, mailing or email address, telephone number(s), customer number(s) and other personal information you may provide. If you have a financial product or service with us for personal, family, or household purposes, we will share and use information we collect from or about you in accordance with our Privacy Notice available on our website.

B. NON-PERSONAL INFORMATION

South Georgia Banking Company and service providers acting on our behalf may also collect non-personal information from your use of our online platforms. This information may include your IP address, browser and/or device information, including location information, if enabled on your device, type of operating system you are using, information about the site or advertisement that brought you to our online platforms, and the parts of our online platforms that you visit.

C. HOW WE COLLECT INFORMATION

We collect information through various methods, including the information you provide directly to us on our online platforms, information collected through third parties, as described below, and in an automated fashion, through your browser, cookies, pixel tags, clear gifs, web beacons, flash cookies, and other technologies.

Pixel tags, clear gifs, web beacons and flash cookies are transparent tags that are placed on a website, email or other message and are used to measure the actions of the visitor opening the page that contains the clear gifs and allow us to evaluate the effectiveness of our communications, detect and prevent fraud, and advertise.

A cookie is a small piece of information that a website stores directly on the computer you are using. Cookies may contain a variety of information from a simple count of how often you visit a website to information which allows customization of a website for your use. South Georgia Banking Company uses cookies to gather data about the usage of our website and to ensure that you have access to your account information. Anytime a cookie is used, personal information is encrypted for our use only and is protected from third party access (a cookie cannot be read by a website other than the one that sets the cookie).

D. THIRD-PARTY INFORMATION
South Georgia Banking Company contracts with advertising companies to advertise our products and services on third-party websites and mobile applications. We may use other information we collect as described above to assist these advertising companies in selecting which of our advertisements and offers may appeal to you. Please visit the third-party websites and mobile application for their privacy policies. We may also collect information about you from other online and offline sources, including credit reporting agencies and other third-party sources as permitted by law.

IV. How We Use Information
The information South Georgia Banking Company collects from and about you is used to increase your service and experience on our online platforms. We may use your information:

To process your requests, transactions, applications and inquiries.
To verify your identity using location-based data.
To allow you to apply for products or services (e.g., to prequalify for a mortgage, open a checking account or other financial product) and evaluate your eligibility for such products or services.
To provide you with updates on your accounts, products and services, such as changes to terms, conditions or policies.
To inform you about important information regarding products or services for which you apply or may be interested in applying for, or in which you are already enrolled.
To monitor website usage and/or performance, improve customer experience on our website, ensure technological compatibility with visitors’ computers or other electronic or mobile devices, or to conduct aggregate analyses on usage patterns.
To perform analytics concerning your use of our online services, including the pages and advertisements you view utilizing Google Analytics and/or other third-party tools.
To deliver advertising to you directly or on third-party websites.
To allow you to access your online accounts.
To recognize you when you return to our online platforms.
For risk control, for fraud detection and prevention, and to increase security of our online services.
To provide you with personalized offers and customize your experience with South Georgia Banking Company; and
To comply with applicable legal requirements.

V. How We Share Information
If you are a South Georgia Banking Company customer, we may share personal information that we collect about you with our service providers, affiliates, joint marketers, and non-affiliates in accordance with our Privacy Notice available on our online platforms. The South Georgia Banking Company Privacy Notice does not apply to business or commercial customers.

Service Providers, Affiliates or Joint Marketers. We may disclose certain personal and non-personal information we collect from your use of our online platforms to companies that perform services on our behalf, including those who assist us in processing transactions, preparing and mailing statements, and responding to user inquiries. In addition, we may disclose that information to service providers that perform marketing services for us and to financial institutions with whom we have joint marketing agreements.

Non-Affiliates. We may disclose information about you to Non-Affiliates as required or permitted by law, such as to comply with a subpoena and/or legal order, respond to discovery and other inquiries from government authorities or defend legal actions.

VI. Your Choices
Your browser may allow you to choose to not have your activities tracked by adjusting your browser’s cookie settings or permanently using a browser plugin. Note, if you choose to reject cookies, you may not be able to access your accounts online with South Georgia Banking Company. Therefore, if you set your browser options to disallow cookies, you may limit the functionality we can provide when you visit our online platforms.

We or our third-party advertising service providers may use certain information about your online activities, such as websites visited and search key words entered, to help determine which of our advertisements may be of interest to you. If you would like more information about how Google uses data through Google Analytics, and how you can set your preferences for how Google advertises to you, please follow the links below.

How Google Uses Information from Sites or Apps that use Google Services

Google Analytics Terms of Service

We or our third-party service providers may also associate the information that we collect online to recognize you and associate your devices with each other in order to provide you with seamless access and to customize your user experience on our online platforms across your devices. If you prefer not to receive targeted advertising based on your use of South Georgia Banking Company’ sites and products, you can opt out of some network advertising programs that use your information. Many network advertising programs also allow you to manage the interest categories as they apply to your online browsing activities. For information about your choices to opt-out of targeted online advertising click here:

http://www.aboutads.info/choices/ or https://www.networkadvertising.org/choices/

Please remember that even if you opt out of targeted advertising, you may still see our advertisements when you are browsing online. However, the advertisements may not be tailored to you and your interests.

VII. Third-Party Sites
South Georgia Banking Company may provide links to other organizations’ websites. These links are provided as a service to you, our customer. South Georgia Banking Company is not responsible for the content of these other organizations’ websites. We do not guarantee or endorse any of the content in these links. The privacy and security policies on these links may differ from those published and practiced on our online platforms. Please note that when you leave our online platforms and visit a third-party site, your visit is governed by the privacy policies and practices of that website, and not South Georgia Banking Company’ policies. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.

VIII. How to Protect Your Personal Information
It is important that you protect your personal information. If you access your account thru either of our online platforms or our call-center, we may need to verify your identity by using your personal information. We will never request personal information, such as social security number, account numbers, PINs, or passwords, by email or texts.

Regular email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number, or PIN through unsecured email.

If you receive an email, call, or text message asking for your personal information that appears to be from South Georgia Banking Company, please contact us at (888) 782-4211 to report the suspicious activity.

IX. Changes to this Policy
This Policy is effective as of January 24, 2023. We may periodically change this Policy from time to time. When we make changes to this Policy, we will update this site. Please review this Policy periodically. Changes to this Policy are effective as soon as they are published on this site. You acknowledge and agree that any changes we make are binding on you as of the effective date we dictate, but in any event your use and access of our online platforms on or after the effective date constitutes your affirmative acceptance of such changes.

X. Contact Us
If you have any questions about this Policy or the practices of our site, please contact us at (888) 782-4211.

TERMS OF USE

These terms govern the use of this website. Please read them carefully before accessing the site. If you do not agree with these terms do not access the website. By accessing the website or any of its pages you agree to be bound by these terms of use.

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the Bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the Bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Georgia.

South Georgia Banking Company (SGBC) is committed to providing accessible content for our customers. Our accessibility efforts are based on the World Wide Web Consortium (W3C)’s Web Content Accessibility Guidelines (WCAG) 2.0, Levels A and AA. SGBC uses automated testing as a baseline for conformance but understands W3C’s position that “’there is as yet no tool that can perform a completely automatic assessment on the checkpoints in the guidelines, and fully automatic testing may remain difficult or impossible”. We strive to make every page accessible to users but cannot guarantee that every page conforms to WCAG 2.0 Level AA.

Questions? Contact us by phone at 888-782-4211.