ONLINE BANKING > Privacy and Security

PRIVACY POLICY FOR CONSUMERS

New Omni Bank, N.A. (“Omni”, “we” or “our”) recognizes the importance of customer privacy, while at the same time the need to utilize information about our customers (“you” or “your”) to administer our business and to provide you with information concerning our products and services. This Policy covers Customer Information, which means nonpublic personally identifiable information about a consumer or a consumer’s current or former customer relationship with New Omni. The maintenance of confidentiality of this information is one of our highest priorities, and to ensure this confidentiality we have adopted the following privacy principles:

  1. Keep Customer Information Secure
    We recognize your expectations of privacy and security for your personal and financial information, and the need to keep that information secure. In order to safeguard this sensitive Customer Information within New Omni Bank, we have implemented standards and procedures designed to protect and prevent unauthorized disclosure and/or misuse of this information. Our privacy policy, includes not only written files, but also personal information provided to us and transactions conducted online, including information provided when you request or sign up for and use any of our accounts or services, including online banking services, telephone banking services, or when you send us an e-mail.
  2. Retention and Use of Customer Information

    FACTS

    WHAT DOES NEW Omni Bank, N.A. DO
    WITH YOUR PERSONAL INFORMATION?


    Why?

    Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


    What?

    The types of personal information we collect and share depend on the product or service you have with us. This information can include:

    • Social Security number and employment information
    • Account balances and payment history
    • Credit history and credit scores


    When you are no longer our customer, we continue to share your information as described in this notice.


    How?

    All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons New Omni Bank, N.A. chooses to share; and whether you can limit this sharing.


    Reasons we can share your personal information

    Does New Omni Bank, N.A. share?

    Can you limit this sharing?

    For our everyday business purposes—
    such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

    Yes

    No

    For our marketing purposes—
    to offer our products and services to you

    No

    We don’t share

    For joint marketing with other financial companies

    No

    We don’t share

    For our affiliates’ everyday business purposes—
    information about your transactions and experiences

    No

    We don’t share

    For our affiliates’ everyday business purposes—
    information about your creditworthiness

    No

    We don’t share

    For nonaffiliates to market to you

    No

    We don’t share


    What we do

    How does New Omni Bank, N.A. protect my personal information?

    To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

    On our website, we may gather data from “cookies” or other technologies, adding convenience to future visits. This data is protected to the same degree as any other we collect.

     

    How does New Omni Bank, N.A. collect my personal information?

    We collect your personal information, for example, when you

    • Open an account or make deposits or withdrawals from your account
    • Give us your income information or apply for a loan
    • Use your credit or debit card

    We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

     

    Why can’t I limit all sharing?

    Federal law gives you the right to limit only

    • sharing for affiliates’ everyday business purposes—information about your creditworthiness
    • affiliates from using your information to market to you
    • sharing for nonaffiliates to market to you

     


    Terms and Definitions

    Terms

    Definitions

    Affiliates

    Companies related by common ownership or control. They can be financial and nonfinancial companies.

    • New Omni Bank, N.A. has no affiliates.

    Nonaffiliates

    Companies not related by common ownership or control. They can be financial and nonfinancial companies.

    • New  Omni Bank, N.A. does not share with nonaffiliates so they can market to you.

     

    Joint marketing

    A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

    • New Omni Bank, N.A. doesn’t jointly market.

     


  3. Maintenance of Accurate Information
    We have procedures to help assure that Customer Information is maintained in a commercially reasonable manner so that it is accurate, current, and complete. We also have procedures in place to respond to your request to correct inaccurate information in a timely manner. We maintain security standards and procedures to help prevent unauthorized access to confidential Customer Information, and we regularly review, test and update our technology and procedures to improve the security and accuracy of such information. We investigate your inquiries about information received from us (or from a credit bureau reflecting information we have provided) that you believe to be inaccurate and we take necessary steps to correct information we determine to be incorrect.
  4. Limiting Employee Access to Information
    Each of our employees has the responsibility to maintain the confidentiality of Customer Information. We require all of our employees to protect the confidentiality of Customer Information and to use it only for bank purposes. We have policies and security procedures to limit employee access to Customer Information to those employees with a business reason to know such information. Internal access and sharing of information about customers within various service departments of New Omni Bank occurs only to the extent appropriate to evaluate, structure, and facilitate the services that you have requested or to inform you of other financial services that may be of interest to you. We train our employees to recognize the importance of Customer Information confidentiality and take appropriate disciplinary measures to enforce employee’s privacy responsibilities.
  5. Disclosure of Customer Information
    We do not disclose nonpublic Customer Information about you or other personally identifiable data to parties outside of New Omni Bank for their independent use unless: (1) you request or authorize it; (2) the information is provided to help complete a transaction initiated by you; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) the disclosure otherwise is lawfully permitted or required. We do not sell or provide nonpublic Customer Information or account information to companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies. The same policy applies to our former customers.
  6. How – and-Why Information is Shared
    We limit who receives information and what type of information is shared. We share information with the goal of bring you greater convenience and more choices.
    Sharing information with companies that work for us. To assist us in offering you services, we may share information with companies that work for us, such as check-printing and data processing companies. These companies might, for example, assist us in offering you certain products and services or help us mail account statements. These companies act on our behalf and are obligated to keep the information that we provide to them confidential. When it is necessary to provide confidential Customer Information to a third party, we require each business that we select to agree to adhere to the same privacy standards, laws and regulations that apply to us.
  7. Electronic Mail (“e-mail”)
    We recognize e-mail as a simple and cost effective method of communication. However, requests and inquiries requiring immediate attention SHOULD NOT be sent by e-mail. Appropriate department at New Omni Bank may not receive your e-mail message immediately and a bank representative may not be able to immediately review it. Be aware that a “receipt” acknowledgment on an e-mail message means only that the message has routed into the Internet, not that we have received the message. Due to the inherent security issues associated with the Internet, messages sent by e-mail may not be secured, may be intercepted by third parties, can potentially be monitored and read by others, and their privacy and confidentiality are not guaranteed by us. To protect your privacy and security, please do not use e-mail to send us communications that contain confidential Customer Information (such as account number, credit card number, ATM/debit card number, Social Security number, driver’s license number, date of birth, user code, PIN, or password, etc.). E-mail messages will not serve as a sufficient method for any requirement imposed on you to provide written notice, nor may any e-mail messages be used to place a stop payment on a check, report an unauthorized transaction, cancel a bill payment, request account transfers, or report lost or stolen banking codes, cards, or checks. Please call us instead at your branch of account during business hours. You may always visit us or contact us by U.S. mail.
  8. Web Site Links
    The links in New Omni Bank's Web site will let you leave New Omni Bank's site. These linked sites are not under the control of New Omni and New Omni IS NOT RESPONSIBLE FOR THE CONTENT AVAILABLE ON OTHER INTERNET SITES. These links are provided as a convenience to you, our customer. The privacy and security policy of any linked/external third party Websites may differ from New Omni Bank's. New Omni Bank is not responsible for and does not endorse the information, content, presentation or accuracy, nor makes any warranty, express or implied, regarding any linked/external third party sites. If you are asked to provide information on one of these sites, we strongly urge you to carefully study their privacy policies before sharing or providing your personal or confidential information.
  9. About “Cookies”
    Cookies are pieces of data assigned by a Web server to the browser on your PC. Cookies help Web sites to keep track of your preferences and to recognize return visitors and create summary statistics. So, when you return to a Web site you have visited before, your browser gives this data back to the server. Contrary to reports about cookies and online privacy, cookies do not contain viruses and most cannot reveal any personally identifiable information about you unless you willingly provide it as a user on a site.

    At New Omni Bank, we use cookies to make your online experience with us more personalized based on the level of interest in the types of products and services you have or desire. As a matter of security, we do not embed your Social Security number, account number(s) or password in our cookies. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. However, if you choose to reject cookies, you cannot bank online with us. Also, browsers that reject cookies may not be able to log on to your favorite sites or use the features you like most within those sites.

    When you are banking Online, we recommend that you complete your online transactions and log off before surfing to other sites or turning off your personal computer. We also suggest that you do not surf to other sites during your online banking session.

This disclosure of our privacy policy applies to consumers. We reserve the right to make changes to this policy at any time. As require by law, New Omni Bank, N.A. will provide notice of our Privacy Policy annually, as long as you maintain an ongoing relationship with us. To receive the most up-to-date Privacy Policy, you can visit our website at: www.newomnibank.com/ or call us at the branch location nearest you.