internet privacy policy

The Five Star Bank Internet Privacy Policy covers both our website, as well as our online and mobile banking system - Five Star Bank Digital Banking - unless specifically stated. When used in this Policy, Five Star Bank shall include their affiliates, including but not limited to Courier Capital LLC and SDN Insurance Agency, LLC.

Our website does not collect personally identifiable information about you except when specifically, and knowingly provided by you. For purposes of this policy, “personally identifiable information” means any information concerning a natural person, as opposed to a corporate entity, which, because of name, number, symbol, personal mark, or other identifier, can be used to identify that natural person.   Once you have provided personally identifiable information, it will be encrypted and used for the purpose as described at the point of data collection. All such information will then be subject to the provisions of our Privacy Notice.

For each visitor to our web pages, our web server automatically recognizes a user’s software information and may collect specific information, including but not limited to the type of device, browser, and operating system utilized, IP address for your device, and any other additional information associated with your device. We also collect information on these visits to our site including but not limited to how many visitors we had, what sites they came from, which of our pages they visited, how long they stayed at each site, and the total time of their visits. 
 
The general information we collect is used to analyze and improve the content of our site. It is not shared with other organizations for commercial purposes.

If you send us email, your return address will be displayed in the header we receive. We will use this information to respond to your inquiry and we will keep your message as a record of our contacts. We will not share that information with non-affiliated outside companies or agencies unless it is necessary for us to do so in order to respond to your email or carry out a request therein, or unless we are required to do so by law or court order.

To provide a better experience to you within your use of our Digital Banking as well as when you access our web page, we use digital cookies. A cookie is a piece of data from a website that is stored to your web browser for the website to retrieve at a later time. We set a digital cookie in your web browser each time you log onto Five Star Bank Digital Banking or access our website. This cookie is merely an anonymous number that identifies the user’s session. It does not store any personally identifiable information but collects the information noted above.

We only use cookie technology to strengthen banking security in the following way:

As you browse our website, advertising cookies will be placed on your computer so that we can understand what you are interested in and enable us to present you with retargeting advertising on other sites based on your previous interaction with our website. The techniques do not collect personal information such as your name, email address, postal address, or telephone number. We may also match customer data with third-party data providers to associate a cookie with non-identifiable consumer data for the purpose of targeted advertising. We may use the information collected through cookies and our web page to determine who you are or your email address. This information further helps to deliver personalization to your specific needs. We use cookies through our web page to make your web page access personalized. We may also use this information for advertising purposes, to provide effective communications and marketing efforts through email or otherwise. We may use the information collected for various other purposes, including but not limited to improve the services we provide, and the web pages provided, to customize your experience, to comply with law, to provide information relating to new products or services, to provide you with information you have requested, or to provide you with further information on products or services.  
 
You can refuse to accept these cookies selecting “Decline Cookie Consent” on the pop up that appears on your web page. If you choose to not accept the use of cookies, your experience will not be personalized and there may be some inconveniences upon your use of our web page. 

We collect information from you when you fill out an online application for a new product or service (loans, deposit accounts etc.). All online applications are encrypted to maintain the security of your information.

Information that you input on the website while using any of our calculators is not captured, stored, or used in any way other than to provide you with the information you are looking for at the time you use the calculator.

We do not knowingly solicit, market, or retain personally identifiable information from children under the age of thirteen. However, we have no way of distinguishing the age of individuals who access our website, we collect the same general information we collect from any website user as well as personally identifiable information from individuals under the age of 13 if they provide it. If a parent or guardian becomes aware that a child has provided us personally identifiable information, please contact us immediately. 

We may provide links to information, products or services offered on websites that are owned or operated by other companies and may be necessary for to obtain some of our services (“third party websites”). We will notify you when you leave the Five Star Bank website. If you choose to link to websites not controlled by Five Star Bank, we are not responsible for the privacy or security of these sites.

Aggregation / consolidation websites offer the ability to access all of your personal information on one website. You may be asked to provide an aggregation / consolidation site with your personal financial information, such as your user ID and password for the Five Star Bank Digital Banking system. We urge that you do not provide this information to a site that you do not recognize and fully trust. 
 
All transactions initiated by this type of site using access information you provided are considered to be authorized by you, whether or not you were aware of the specific transaction. If you wish to cancel your third-party aggregation/consolidation service, we recommend that you also change your Five Star Bank Digital Banking password.

We reserve the right to introduce new services or practices that may require a change to the provisions of this Internet Privacy Policy. We are committed to updating our Internet Privacy Policy promptly to keep you informed on how we use information you give us. 
 
Your continued use of any of our services following the posting of a revised version of this Internet Privacy Policy will constitute your acceptance of the revised statement.

We value your relationship. We want you to know how we use the information you provide and our commitment to ensuring your personal privacy. 
 
If you have any questions about how we protect your confidential information or about the privacy provisions of this Statement, please contact us at customerservice@five-starbank.com or call 877.226.5578.
 
REV. 12/2023