Privacy Notice

 

This Online Privacy Policy (the "Policy") describes the treatment of information that is provided or collected through any of our online interfaces to which a copy of the Policy is posted, including armstrong.bank (the "Website"), Applications we have placed on Armstrong Bank’s mobile & digital application (the "Applications," and together with the Website, the "Services"). It also explains how we collect, use and share information based on users’ interactions with online advertisements, both on the Services and on online interfaces owned by third parties. Note that the Policy does not govern our privacy practices offline or with respect to information that is not provided or collected through the Services. We will use and share any information that we collect from or about our customers in accordance with the Armstrong Bank Privacy Policy, which provides choices regarding our sharing and use of information. For additional information on this Policy or our privacy practices generally, please refer to the “Privacy Policy” portion of the Website or contact us with your questions.

 

While this Online Privacy Policy describes how we treat information, please be aware that additional terms and conditions may apply for certain parts of our Website and Applications.

 

We collect two basic types of information through the Services – personal information and anonymous information. We also collect location information in connection with certain of our digital applications.

 

"Personal information" refers to information that identifies (whether directly or indirectly) a particular individual, such as information you provide on our forms, surveys, applications or similar online fields. Examples may include your name, postal address, email address, telephone number, Social Security number, date of birth, transaction data, or other account information.

 

"Anonymous information" means information that does not directly or indirectly identify, and cannot reasonably be used to identify, a particular individual. Examples may include information about your Internet browser, information collected through tracking technologies, demographic information that you provide to us (e.g., your household income) and aggregated or de-identified data.

 

"Location information" means information that may be collected by certain digital applications or online banking applications that identifies your physical location.

We collect personal information from you or about you when you provide this information to us directly. For example, we may obtain personal information when you request information, products or services from us, register on the Website or an Application, respond to surveys, contact customer support or otherwise interact with us. We may also receive information about you from other online and offline sources, such as public databases, social media platforms and other third parties.

 

In addition, we may collect information about your activity on the Services automatically using tracking technologies. If you submit any personal information relating to other people to us or to our service providers in connection with the Services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Policy.

 

We may use information that we collect in order to, among other things:

We will not share your personal information outside the Armstrong Bank partnered financial service providers, except under limited circumstances. Please refer to the Armstrong Bank “Privacy Policy” for additional information regarding how we may share personal information, as well as the choices you may be able to exercise in connection with such sharing.

 

We and certain trusted service providers operating on our behalf collect information about your activity on the Services using tracking technologies, including:

 

Cookies
Cookies are pieces of information that are stored directly on the device that you are using. They allow us to collect information such as the type of browser you are using, the amount of time you spend using the Services, the websites or applications you visit and the preferences you have set up for your accounts. We use this information for such purposes as to personalize your experience, enhance security, facilitate navigation, display material more efficiently, recognize the device that you are using to access the Services and understand how the Services are used. The Services do not use cookies that capture unencrypted personal information about you.

 

You can choose to have your device refuse to accept any cookies, and the majority of devices and browsers offer additional privacy settings for cookies. You do this through your browser settings. Each device and each browser is a little different, so look at your device Settings or your browser Help menu to learn the correct way to modify your cookies. If you turn cookies off, you will not have access to many features that make your user experience more efficient and some of the Services will not function properly. Please note that you will need to manage your cookie settings for each device and browser that you use.

 

Flash cookies
We may use local shared objects, sometimes known as Flash cookies, to store your preferences and to assist with online authentication by allowing us to recognize you and your device when you return to the Website or an Application. This permits us to display content based upon what you view on our websites and applications to personalize your use of the Services. Our advertisers and third-party service providers also may use Flash cookies to collect and store information. Flash cookies are different from browser cookies because of the amount and type of data, as well as how data is stored.

 

Cookie management tools provided by your device or browser will not remove Flash cookies. If you disable Flash cookies, you will not have access to many features that make your user experience more efficient and some of the Services are unlikely to function properly.

We may associate this tracking data with your registration information, in which case we will treat it as personal information.

 

We use Google Analytics, which uses cookies and other, similar technologies to collect information about use of the Services anonymously and reports website trends, without identifying individual visitors. To learn more, including how to opt out, visit https://tools.google.com/dlpage/gaoptout.

 

Occasionally, you may encounter banner advertisements for our products and services on third-party websites, online applications, and mobile applications. We use third-party advertising service providers to distribute our advertisements on websites and mobile applications where we have paid to advertise. These advertisements may use tracking technologies to capture information such as IP address, browser type and usage information in order to track the effectiveness of our advertising efforts. Such tracking technologies do not capture personal information about you, and our advertising service providers are prohibited from using any information collected except to track advertising effectiveness.

 

In addition, we use advertising service providers such as Google, Yahoo and MSN to place advertisements for our accounts and services on websites not affiliated with us, and to help us determine which of our advertisements are most likely to be of interest to you using non-personal behavioral information. Advertisements placed by these service providers may use tracking technologies that allow monitoring of your responsiveness to such advertisements. We restrict access and collection of information by advertising service providers for purposes other than assisting us with our advertising efforts.

 

Opting-out from a specific advertising provider means that the ads you do receive will not be based on your preferences or behavior. You may still see targeted pages based on your habits as you navigate to armstrong.bank.

In order for behavioral advertising opt-outs to work on your device, your browser must be set to accept cookies. If you delete cookies, buy a new device, access the Services from a different device, log-in under a different screen name or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt-out, as online behavioral advertising technology does not work when scripting is disabled. Please check your browser's security settings to validate whether scripting is active or disabled.

 

6. Other Information Collected Automatically

Browser or Device Information: Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version, and the name and version of the Services (such as the Application) you are using. We use this information to ensure that the Services function properly.

 

Application Information: When you download and use an Application, we and our service providers may track and collect usage data, such as the date and time the Application on your device accesses our servers and what information and files have been downloaded to the Application based on your device number.

 

IP Address: Your IP address is a number that is automatically assigned to your computer by your Internet Service Provider. An IP address may be identified and logged automatically in our server log files whenever a user accesses the Services, along with the time of the visit and the page(s) visited. Collecting IP addresses is standard practice and is done automatically by many websites, applications, and other services. We use IP addresses for purposes such as calculating usage levels, helping diagnose server problems and administering the Services.

 

The Services may contain links to third-party websites not controlled by Armstrong Bank. We encourage you to be aware when you leave the Services and to read the privacy policies and terms of use of any such websites that may collect your personal information, as they will likely differ from those of the Services. Armstrong Bank does not guarantee and is not responsible for the privacy or security of these websites, including the accuracy, completeness or reliability of their information.

 

In addition, Armstrong Bank is not responsible for the information collection, use and disclosure practices (including the data security practices) of other organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other app developer or provider, social media platform provider, operating system provider, wireless service provider or device manufacturer.

 

Your privacy is very important to Armstrong Bank and we are committed to protecting your personal information from unauthorized access or use. We seek to use reasonable organizational, physical, technical and administrative measures to protect personal information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the “Contact Us” section below.

 

In addition, Armstrong Bank protects customers from liability for unauthorized online transactions. We will protect you from unauthorized transfers to or from your consumer accounts (those used for personal, family or household reasons) that are initiated via Armstrong.bank, by using our mobile app, or by using our online bill pay service. Please refer to our digital banking End User License Agreement for details regarding liability.

 

You have the responsibility to help us protect your accounts by never revealing your user name, password, or authentication codes to other individuals. These protections are subject to certain restrictions, and may not apply to commercial and small business accounts.

 

In order to help us protect your personal information, it is important that you always keep your account information safe. Never share your personal ID, password or PIN with anyone, under any circumstances.

 

Note that Armstrong Bank will never initiate a request via email for your sensitive information (e.g., Social Security number, personal ID, password, PIN or account number). If you receive an email asking for your sensitive information, you should be suspicious of the request and promptly contact us to report the suspicious activity.

 

Please be aware, however, that in certain telephone and in-person transactions we may ask for your full Social Security number, account number or other information to verify your identity before conducting the transactions you have requested. For example, we may ask for such information to verify your identity when you place a call to us, when you visit a Armstrong bank branch office or when we call you about a new product or service we believe that you will find valuable. We will never request that you disclose your personal ID, password or PIN under any circumstances, including such telephone or in-person transactions.

 

Additional information regarding identity theft and the steps you can take to help protect yourself from fraud can be found on the Federal Trade Commission website.

 

Some third-party companies offer aggregation services that allow you to consolidate your financial account information from a variety of sources, such that you can view all your account information at a single online location. For example, an aggregation service might collect and consolidate your checking and savings account balances at your bank, the value of your stocks and bonds in your brokerage account and your frequent flier mileage information from an airline. In order to do so, the aggregator may request access to personal information - including identification information, account information, device contact lists, personal IDs and passwords - from you for each individual website. You must provide your permission and access to your personal information to allow these services to collect this data.

 

Please use caution when providing personal information to aggregation services. You should always ensure that the aggregator has appropriate policies and practices in place to protect the privacy and security of any personal information to which the company is gaining access. Armstrong Bank is not responsible for the use or disclosure of any personal information accessed by a company or an individual to whom you provide the personal ID and password required to access your accounts through the Services.

 

If you do elect to provide your personal ID, password or other information about your accounts with us to an aggregation service, you will be unable to contest the validity of any Armstrong Bank transaction initiated by the aggregator, whether or not you were aware of the specific transaction. Should you decide to revoke the authority you have given to an aggregation service, you may only do so by contacting us, in which case we may need to block your account until we issue new access codes.

 

Armstrong Bank may interact with registered users of various social media platforms, including Facebook® and X®. Please note that any content you post to such social media platforms (e.g., pictures, information or opinions), as well as any personal information that you otherwise make available to users (e.g., your profile), is subject to the applicable social media platform’s terms of use and privacy policies. We recommend that you review this information carefully in order to better understand your rights and obligations with regard to such content.

 

It is very important that you keep the information associated with your account accurate and up-to-date. If you believe that your account information is incomplete, inaccurate or otherwise not current, please contact us and provide us with the appropriate information. Alternatively, you may call or write to us at the telephone numbers or appropriate address for changes listed on your account statements, records, online or other account materials.

 

If you would like to review, correct, update, suppress or delete personal information that you have previously provided to us, you may contact us.

 

Please note that we may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began prior to requesting a change or deletion. There may also be residual information that will remain within our databases and other records, which will not be removed.

 

We will retain your personal information for the period necessary to fulfill the purposes outlined in this Policy, unless a longer retention period is required or permitted by law.

 

The Services are controlled and operated by us from the United States, and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States. We may store and process your personal information in any country where we have facilities or in which we engage service providers, and, by using the Services, you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have different data protection rules than those of your country.

 

From time to time, we may make changes to this Policy in order to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We encourage you to review the Policy periodically to ensure that you understand how we collect, use and share information through the Services. If we do make changes to the Policy, we will also update the "Effective Date" posted at the top of the Policy.

 

Any changes to the Policy will become effective when the revised Policy is posted on the Website, relevant Application or other Armstrong Bank online interface, as applicable. By continuing to use the Services following such changes, you are agreeing to accept the terms of the revised Policy.

 

If you have any questions or comments about this Policy or our privacy practices generally, we encourage you to contact our customer service department by calling 1.888.680.2655 or emailing us at contactus@armstrongbank.com.

Website Terms and Conditions

These terms govern the use of this website and our online interfaces. 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 Armstrong Bank for the purposes 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 any of the Bank’s agreements and/or 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 other website. Users assume all responsibility when they access other sites via the links on this website. The information, materials, names, marks, logos, and all related product and service names, marks, and logos (“Marks”) contained in this website are owned by the Bank or by its licensors or service providers, as applicable. Users of this website are not authorized to use such Marks without the owner’s prior express written consent. No material or Marks may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

This website is provided on an “AS IS” and “AS AVAILABLE” basis. The Bank makes no representations or 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 and all representations and warranties of any kind, express and implied, including without limitation, warranties of merchantability, fitness for a particular purpose, suitability, completeness, currentness, non-infringement, or accuracy. The Bank makes no representation or warranty that use of the website will be uninterrupted, timely, secure, error-free or that the user will have 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, exemplary, and incidental damages (including lost profits), 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, unauthorized access to or use of user data, 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. The user is responsible for maintaining the security of passwords, for obtaining and maintaining all equipment, services, hardware, and software necessary to access the website, and for using a reliable virus detection product and firewall.

This agreement may be changed from time to time by posting the new Terms and Conditions of Use on the website. All users agree to be subject to this agreement as it changes from time to time, regardless of whether such users actually review the changes. The Bank may discontinue the operation, maintenance, or provision of this website, any pages thereof, and/or any related content, features, products or services, or the terms thereof, at any time without notice or liability to users or any third party.