Privacy Policy
Please click the link below for more information
EXECUTIVE OVERVIEW
PERSONAL INFORMATION COLLECTED
CUSTOMER BENEFITS
COMMUNICATIONS WITH FIRST BANK
VISITING FIRST BANK ON THE WEB
HOW FIRST BANK USES PERSONAL INFORMATION
LIMITATIONS
CREDIT BUREAUS
ACCESS TO MY INFORMATION/QUESTIONS/E-MAIL
I. EXECUTIVE OVERVIEW
First Bank of Jacksonville recognizes the importance of respecting
the privacy of our customers. We want to assure you that any information
that First Bank of Jacksonville gathers will be used for its own
business needs. We believe that your privacy should not be compromised.
At the same time, we want to offer you the array of financial products
and services you need to accomplish your financial goals. First Bank
of Jacksonville will not sell or share any information that we learn
about you, other than as described, and First Bank of Jacksonville
will only gather information it needs to serve you better.
First Bank of Jacksonville realizes the importance of security on
the Internet. We have Internet security standards and procedures
in place to protect against unauthorized disclosure of information
or access to information about you from our website. In addition,
we limit employee access to personally identifiable information to
those employees who have a business purpose for having access to
such information.
II. PERSONAL INFORMATION COLLECTED
First Bank of Jacksonville will collect personal information in
three ways:
• Information received from you on application and forms.
• Information about your transactions with us and others.
• Information we receive from a consumer reporting agency.
First Bank of Jacksonville’s principal business is to offer
financial services such as checking, savings, CD’s, IRA’s,
and various types of loans. In order to provide you service, we may
ask you to provide us with some or all of the following information:
• Name
• Mailing addresses
• E-Mail addresses
• Social Security Number
• Number of dependents and birth dates
• Occupation
• Income
• Assets and Liabilities
• Home and business phone numbers
• Whether you own or rent your residence
• Whether you have a checking and savings account
III. CUSTOMER BENEFITS
We may request additional financial information in order to provide
you credit. In addition, we may request information that helps us
keep your account secure. We use the information you give us to optimize
the financial services we offer, evaluate your creditworthiness and
prevent fraud. We will not be able to process your application if
you do not provide us with the information requested on the application.
As a part of an application for credit or the opening of an account,
you expressly authorize us to obtain a credit bureau report for our
use in evaluating your application and subsequently in connection
with our periodic review of your account relationship(s) with us,
a requested change to your account(s) or a change in your credit
line or renewal of your account. The credit bureau report is one
of the tools we use to protect you from fraudulent conduct. Each
application for a First Bank of Jacksonville product will disclose
that we are obtaining a credit report as part of our evaluation of
the application. The credit report contains information about your
credit history and is one of the tools we use to protect you. As
discussed below, you have certain rights regarding your credit bureau
reports. Depending on the credit product for which you apply we may
request additional authorizations to obtain information, such as
confirmation of employment.
IV. COMMUNICATIONS WITH FIRST BANK OF JACKSONVILLE
Upon opening an account, we track your transactions including where
and how you access and use the account in order to prepare your monthly
statement and to protect against fraudulent use of the account. This
allows us to provide consistent quality service. We continually strive
to maintain complete and accurate information about your accounts.
Should you ever believe that our records contain inaccurate or incomplete
information about you please notify us as soon as possible and we
will investigate your concerns.
V. VISITING FIRST BANK OF JACKSONVILLE ON THE WEB
We track the flow of traffic on our website. We obtain personal
information from visitors to our site at the time a visitor requests
information about one of our banking products. In addition, our computer
and your computer may communicate during your visit to our website,
which allows us to identify which part(s) of the site has been accessed.
VI. HOW FIRST BANK OF JACKSONVILLE USES PERSONAL INFORMATION
A. To Evaluate Your Request
First Bank of Jacksonville uses your personal information to evaluate
your request to open an account or to determine whether to issue
credit and, if we extend an offer of credit, to establish your line
of credit. Thereafter, we use the information to provide our clients
with the highest level of service and protect our customers from
fraudulent use of their account. In certain circumstances products
may be offered through First Bank of Jacksonville and provided by
an unaffiliated company on behalf of First Bank of Jacksonville.
In these instances the application information will be forwarded
to the provider company for processing.
B. To Provide Products that Meet Customer Needs
First Bank of Jacksonville is always looking for opportunities to
provide value to our customers by making services available that
the customer may need. When we identify an opportunity we may communicate
with customers who may be interested in the services. We utilize
the following methods:
Monthly Statements, Direct Mail, E-Mails or Telemarketing
Third party processors or providers may conduct the sending of the
offer. We require that these third parties hold the information we
provide in the strictest confidence. The third party cannot use the
list for any purpose other than the particular offer of goods or
services for which information has been provided.
C. Use of Credit Bureaus
Like most, if not all banks, First Bank of Jacksonville shares our
experience with you with the credit bureaus. Our reporting to credit
bureaus is governed by the Fair Credit Reporting Act and the Fair
and Accurate Credit Transaction Act . Under these acts you have the
right to make sure that your credit bureau reports are correct and
accurate.
D. Lawful Request by a Court, Government or Regulatory Agency
We will disclose your personal information in response to a lawful
request issued by a court, government agency, or regulatory authority
with jurisdiction to make the request.
VII. LIMITATIONS
A. Employee Access
Each staff member employed by First Bank of Jacksonville is required
to follow our Company’s Code of Conduct , which states that
all customer information is considered private and privileged and
is to be used solely for the purpose of providing you with the finest
service available.
B. Protection of Information via Established Security Procedures
First Bank of Jacksonville is committed to the security of your
financial and personal information. All of your operation and data
processing systems are in a secure environment that protects your
account information from being accessed by third parties. We maintain
and grant access to customer information only in accordance with
our internal security standards. Standard Internet e-mail is not
a secure way to send personal information. First Bank of Jacksonville’s
Internet Banking offers secure messaging with encryption.
VIII. CREDIT BUREAUS
Credit Bureaus are private organizations that compile your credit
history and make that information available to lenders to assess
potential borrowers’ creditworthiness. We provide the credit
bureaus with information regarding the status of your account. You
may contact the credit bureaus as follows: (updated credit bureau
info to change previous Board approved policy)
The national credit bureaus offer a toll-free number to opt-out
of all pre-approved credit offers with just one phone call. Call
1-888-5-OPTOUT (1-888-567-8688) for more information.
IX. MARKETING TO CHILDREN
First Bank of Jacksonville does not market products to children
under the age of 18, nor do we solicit personal information from
children.
X. ACCESS TO MY INFORMATION / QUESTIONS / E-MAIL
If you believe there is an error or you have a question about your
account, write us at:
First Bank of Jacksonville
Attention: Customer Service
11100 San Jose Boulevard
Jacksonville, FL 32223
Write us as soon as possible after you become aware of the possible
problem. We must hear from you no later than 60 days after we sent
you the first bill or statement on which the error or problem appeared.
You can telephone us but doing so will not preserve you rights.
In your letter, please provide the following information:
Your name and account number
The dollar amount of the suspected
error
Describe the error and explain, if
you can, why you believe there is an error
If you send us an e-mail we have established an easy and secure
method to send and receive e-mail. Please visit our Internet Banking
site to use secure messaging to communicate with us.
Revised August 2008
