Online Privacy Policy

Your privacy is important to us. This Online Privacy Policy explains how we collect, share, use, and protect information when you visit or use any online service offered by Bank Forward, including the Bank Forward website, Bank Forward Digital Banking, Bank Forward Card Control app, Bank Forward’s social media sites or pages, as well as any interactions you may have while viewing content provided through one of Bank Forward’s digital advertising campaigns.

As you review this Online Privacy Policy, here are a few general principles to keep in mind:

• Our online services are intended for a U.S. audience. If you visit or use one of our online services, your information may be transferred or processed in the United States.
• Our online services are not intended for children under 13. We do not knowingly collect personal information from children under 13 without parental consent.
• If you have a financial product or service with us, we may use and share any information that we collect from or about you in accordance with our Consumer Privacy Notice, at www.bankforward.com/privacy.
• Bank Forward digital banking and our social media sites or pages may have additional terms from this policy about the privacy of your information. Please review the privacy policy for the specific online service you are using.
• If you have questions after reviewing this policy, please contact your local Bank Forward Branch.

INFORMATION WE COLLECT

Personal Information

When you visit or use our online services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example, location services to help you find a nearby branch or ATM), user name and password. We may also collect payment card information, social security numbers, driver’s license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.

Usage and Other Information

In addition to the personal information described above, we may collect certain information about your use of our online services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our online service you access, and the site you visit next. We or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services. In addition, we may later associate the usage and other information we collect online with personal information about you.

Bank Forward Card Control App

We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device’s geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transactions).

Bank Forward Digital Banking App

For your convenience, Bank Forward offers you the ability to access some of our products and services through mobile applications and mobile-optimized websites. When you interact with us through mobile devices, we may collect information such as unique device identifiers for your mobile device, your screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device. We may ask your permission before collecting certain information (such as precise geo-location information).

Additional Sources of Information

We may also collect information about you from additional online and offline sources including from co-branded partner sites or commercially available third-party sources, such as credit reporting agencies. We may combine this information with the personal and other information we have collected about you under this Online Privacy Policy.

USE OF INFORMATION

We use the information discussed above in a number of ways, such as:

• Processing applications and transactions;
• Verifying your identity (such as when you access your account information);
• Preventing fraud and enhancing the security of your account or our online services;
• Responding to your requests and communicating with you;
• Managing your preferences;
• Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view;
• Providing you tailored content and marketing messages;
• Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);
• Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and

For any other purposes that we may specifically disclose at the time you provide or we collect your information.

We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.

DISCLOSURE OF INFORMATION

We may share the information we collect from and about you with our affiliates and other third parties. For example, we may share your information with:

• Bank Forward third-party service providers;
• Bank Forward affiliated websites and businesses in an effort to bring you improved service across our family of products and services, when permissible under relevant laws and regulations;
• Other companies to bring you co-branded services, products or programs;
• Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties.

Where appropriate, we may limit sharing of your information in accordance with the choices you have provided us in response to our Consumer Privacy Notice. We may share anonymous or aggregated information with third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes.

UNDERSTANDING COOKIES

We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.

“Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services.

ONLINE ADVERTISING

You may see advertisements when you use our online services. These advertisements may be for our own products or services (including pre-screened offers of credit) or for products and services offered by third parties. Which advertisements you see is often determined using the information we or our affiliates, service providers and other companies that we work with have about you, including information about your relationships with us (e.g., types of accounts held, transactional information, location of banking activity). To that end, where permitted by applicable law, we may share with others the information we collect from and about you.

LINKING TO THIRD-PARTY WEBSITES

Bank Forward may provide links to websites that are owned or operated by other companies (“third-party websites”). When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.

SECURITY

We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information. This includes device safeguards and secured files and buildings. Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your Social Security number) to us.

UPDATING YOUR INFORMATION

Keeping your account information up-to-date is very important. You may review, or update certain account information by logging in and accessing the “Settings – Manage Profile” section. If you cannot change the incorrect information online, or you prefer to request changes offline, please use the Contact Us option on our site, or contact your local Bank Forward branch using the contact information in the “Locations” section of our website.

Last Updated: July 1, 2023