C&F Bank Online Privacy Policy

C&F Bank is committed to respecting and protecting the privacy of our customers. This Online Privacy Policy describes how we manage personal information about you when you interact with us online through our website, online banking, and mobile applications through your computer, smartphone, tablet, or other mobile devices.

C&F Bank’s Online and Mobile Banking help make it easy to manage your finances on the go.

• Get real-time balances for your accounts.
• Manage your money.
• View your transactions and statements.
• Make transfers.
• Pay your bills and manage billers.
• Pay other people.
• Deposit a check.
• Manage and control your debit cards.
• Locate branches and ATMs.
• Receive alerts.

• Communicate with us via email and chat

This Online Privacy Policy, in combination with other relevant privacy notices that we provide – Example: pursuant to financial privacy laws – is to inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the website online banking and mobile application (the “Services”).

THE TYPES OF INFORMATION WE COLLECT

Through your use of the Services, we may collect personal information from you in the following ways:

(a) Personal Information You Provide to Us.
• We may collect personal information from you, such as your first and last name, address, e-mail, User IDs, telephone number, and social security number when you open a new financial account or register for other financial services.  Device images/videos may be accessed with you deposit a check or use a QR code to make peer to peer payments using Zelle or other payments functionality.  Device contacts may be accessed when you make peer to peer payments using Zelle or other payments functionality.  Device location may be accessed to detect and prevent card transaction fraud and also to provide branch and atm locations. 
• We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
• If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
• We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.

(b) Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications, and other online services, such as:
• Device data, such as your computers or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (example: phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (example: Wi-Fi, LTE, 3G), and general location information such as city, state, or geographic area.
• Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
• Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
• Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect your location information when you use the Services; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
HOW WE USE YOUR INFORMATION COLLECTED
(a) General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information in the following ways:
• Facilitate the creation of, and secure and maintain your account.
• Identify you as a legitimate user in our system.
• Provide improved administration of the Services.
• Provide the Services you request.
• Improve the quality of experience when you interact with the Services.
• Send you administrative e-mail and/or push notifications, such as security or support and maintenance advisories.

(b) Compliance and protection. We may use your personal information to:
• Comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities.
• Protect our, your or others’ rights, privacy, safety, or property (including by making and defending legal claims).
• Audit our internal processes for compliance with legal and contractual requirements and internal policies.
• Enforce the terms and conditions that govern the Service; and
• Prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.
(c) Creation of Non-Identifiable Data. Using the Services may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.
DISCLOSURE OF YOUR PERSONAL INFORMATION
We disclose your personal information collected through your use of the Services as described below.
(a) In Accordance with Our Other Privacy Notices. Other than as described in this Online Privacy Policy in connection with the Services, this Online Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
(b) Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the online banking or mobile applications, for the purposes described in this Online Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services pertaining to online banking or mobile applications.

(c) Corporate Restructuring.  We may share some or all of your personal information in connection with or during negotiation of any merger, financing, acquisition or dissolution transaction involving the sale, transfer, divestiture, or disclosure of all or portion of our business or assets.  In the event of an insolvency, bankruptcy, or receivership, personal information may also be transferred as a business asset.  If our company, business or assets is acquired by another company, that company will possess the personal information collected by us and the company will assume the rights and obiligations regarding your personal information as described in this Online Privacy Policy. 
(d) Authorities and Others. Regardless of any choices you make regarding your personal information, we may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.
LINKS TO OTHER SITES
Our online banking or mobile applications may contain links to third party websites. When you click on a link to any other website or location, you will leave online banking or the mobile application and go to another site and another entity may collect personal and/or anonymous information from you. The provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content.
Please be aware that the terms of this Online Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

YOUR CHOICES REGARDING YOUR INFORMATION
You have several choices regarding use of information on the Services.
(a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if
anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
(b) Access, Update, or Correct Your Information. You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us.
(c) Opting Out of Email or SMS Communications.  If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
(d) Opting Out of Location Tracking. If you initially consented to the collection of geo- location information through the Services, you could subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the mobile application.
SAFEGUARDS AND RETENTION
We implement reasonable administrative, technical, and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification, and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.

Federal laws and regulations require the US financial institutions retain original, active and historical records.  Your personal and financial date will be retained for a period of five to ten years, depending on applicable laws, regulations and legitimate business needs.

A NOTE ABOUT CHILDREN
The Services are not directed towards individuals under the age of 18, and we do not intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the online banking or the mobile application and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.
PRIVACY POLICY UPDATES
This Online Privacy Policy is subject to occasional revision. We will notify you, in our sole discretion, of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Online Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.
CONTACT US
If you have any questions or comments about C&F Bank’s Online Privacy Policy or the data collection or processing practices, please contact us by email at: CustomerService@cffc.com; or by mail at Customer Support, PO Box 391, West Point, VA 23181.

If you need to report any security violations or concerns regarding our online banking or mobile application, please call Customer Support at 1-800-296-6246.

(Rev. 9/9/2024)