Statement of Purpose
This Digital Practices statement applies to Civista Bank and its subsidiaries (collectively “Civista”, “We”, or “Our”) regarding the collection, use and disclosure of information collected from visitors during use of our digital sites (“Sites”) either owned or via a third-party service provider.
Types of Information Collected
We collect Personal Information and Anonymous Information from visitors or users of our digital Sites. We use the term "Personal Information" to mean any information that can identify a specific individual. We use the term "Anonymous Information" to refer to any information that does not allow us to identify a specific individual, such as demographic information, information about the device used to access our sites (“Device”), browser information or areas visited on our Sites.
Personal Information
Personal Information includes information that you may provide to us when you visit our Sites such as name, address, email address, phone number, social security number, and date of birth. For example, you may provide Personal Information when you complete an online application for a new banking product or when you complete online fields with your contact information.
Anonymous Information
We may gather and store Anonymous Information about Site visitors and Site users. The collection of this Anonymous Information enables us to enhance the services we provide by measuring the number of visitors to our Sites and how visitors use our Sites. Examples of Anonymous Information collected include: the type of device or browser you are using, the IP address of your Device, and information about your operating system and your location.
Use of Cookies or Similar Technologies
Cookies or other similar technologies may be used to gather information on our digital Sites. Cookies are electronic files that your internet browser places on your hard drive or other device to retain information relating to visits to and use of our Sites. We use cookies to improve the functionality and performance of our Sites. We may also use cookies or other similar technology to associate or combine your Anonymous Information with your Personal Information in order to provide you with more relevant content when you visit our Sites. For example, if you are a digital banking customer, we may be able to associate your Anonymous Information with your customer profile. This may allow us to provide you with tailored content when you visit our Sites.
We use cookies and similar technologies in conjunction with platforms such as Facebook, Google Ads, Google Analytics, and various programmatic advertising networks to deliver more relevant content and advertisements and measure the effectiveness of our advertising campaigns. These platforms may collect information about your browsing activities, such as pages visited, links clicked, and advertisements viewed, to help us deliver tailored advertisements based on your interests. We also may use clear gifs, pixel tags, or web beacons, which are typically one-pixel, transparent images located on a webpage, or similar technologies that may be used on our Sites and in some of our digital communication, such as email or other marketing messages. These items may be used when you are presented with Civista advertisements online or you otherwise interact with advertisements outside of our Sites (such as advertisements in search engine results). These are principally used to help recognize users, assess traffic patterns, and measure website, email, or social campaign engagement. We may use these technologies to bring together information we collect about you. You can block cookies by changing the settings on your internet browser or through the use of software programs specifically designed to block cookies. Please note, however, that if you choose to block cookies, you may limit the functionality we can provide when you visit our Sites. You can also remove cookies by deleting them from your Temporary Internet or cookies folder. Blocking or deleting cookies may also impact our ability to honor certain online behavioral / Interest-based advertising opt out choices you have made.
How We Share Your Information
We will not share your Personal Information with any third party, except under limited circumstances as allowed or required by law. Examples include sharing information with third party service providers who work for us to provide or maintain products or services and responding to court orders or judicial process.
Online Behavioral / Interest-Based Advertising
We engage with service providers like Facebook Ads, Google Ads, and various programmatic advertising networks to display customized advertisements across the internet, social media and other digital platforms based on your interests. This type of advertising is often referred to as “Online Behavioral Advertising” or “Interest-Based Advertising.” We may also engage our service providers to track and report the performance of advertising and marketing campaigns to and from Civista. Our service providers may not use your information obtained from us for any purpose other than to deliver Civista advertisements on the internet. To learn more about this type of advertising, including how to opt out of certain types of online advertisements, please visit the Network Advertising Initiative at https://thenai.org/.
We are committed to providing you with transparency and control over your data. You can manage your ad preferences and opt out of interest-based advertising by following the instructions provided by each platform. You can opt out of interest-based advertising on Facebook by visiting Facebook's Ad Preferences. For Google, you can adjust your ad settings at Google Ad Settings. Additionally, you can opt out of Civista Online Behavioral / Interest-Based Advertising by visiting https://youradchoices.com or through programmatic advertising networks by visiting the Network Advertising Initiative or Digital Advertising Alliance websites. You can also opt out by clicking on the “YourAdChoices” icon contained in certain Civista Bank online advertisements. Keep in mind that the opt-out works using cookies, so if you delete cookies, then you will need to opt out again. Also, if you use different browsers or devices, you will need to opt out for each one individually. If you do opt out of interest-based advertising, you may continue to receive generic advertisement from Civista.
Location Information
When you use our Sites, we may collect and use your precise (or GPS) location information collected to enhance your use of the service. Please note that turning off location services may affect certain features such as finding the nearest location or ATM.
Email Marketing
Under various federal and state laws and regulations, customers and visitors may choose not to receive promotional email or electronic newsletters from us by following the “unsubscribe” or “remove” instructions in the specific email from which they wish to opt-out. Although you may opt-out of receiving promotional emails from us you may still receive email for service-related or transactional information.
Children’s Online Privacy Protection Act (COPPA)
Our Sites, mobile applications, and online services are not directed to individuals under the age of thirteen, and do not knowingly collect information from these individuals.
Online Planning Tools
We make planning tools, such as mortgage and savings calculators available. These tools are provided for illustrative purposes only. We do not represent that the results obtained using these tools will be accurate. Please contact us to discuss your individual circumstances and current rates and terms.
Online Surveys and Sweepstakes
We may conduct online surveys and sweepstakes from time to time in connection with our Sites. You are not required to complete online surveys, sweepstakes, or promotions. Please refer to the rules for each sweepstakes or promotion as to specific requirements as well as how information that is obtained may be used consistent with our Digital Practices and other disclosures.
Third-Party Links
Our Sites may contain links to other sites operated by third parties. The linked sites are not under our control, and we are not responsible for their content. Such links do not imply our endorsement or guarantee of the products, information, or recommendations provided by any third-party site.
The third-party site may have a privacy policy different from our Digital Practices and may provide less security than our Sites. Civista disclaims all liability with regard to your access to such linked sites. Civista provides links to other sites as a service to users, and access to any other sites linked to any of our Sites is at your own risk.
Data Security
Your privacy is very important to Civista and we are committed to protecting your Personal Information from unauthorized access or use. We have implemented physical, technical, and administrative security measures that comply with federal law and industry standards, including network firewalls, Secure Sockets Lays (SSL) encryption for online sessions, dedicated security teams, and secured files and buildings.
You have the responsibility to help us protect your accounts by never revealing your username or password to other individuals. Choose a password that is difficult to guess, using letters, numbers, and special characters. If you believe your password has been compromised, contact us promptly to report it.
Preventing Identify Theft
Civista will never initiate a request for your Personal Information such as social security number, personal ID, password, PIN, or account number via phone, email, text, or social media. If you receive a communication asking for your Personal Information, you should promptly contact us to report the suspicious activity.
However, in certain in-person transactions and calls you have initiated we may ask for your full social security number, account number, or other Personal Information to verify your identity before conducting the transactions you have requested. 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.
Changes to Digital Practices
We reserve the right to amend this Digital Practices statement at any time to address future business developments, changes in industry, or legal requirements. If we make changes to these practices, we will post the revised Digital Practices on our website’s Disclosures page with a new “Updated” date. Any changes to our Digital Practices will become effective when posted unless indicated otherwise.
Updated On: 07/30/2024
