ONLINE PRIVACY PRACTICES NOTICE

Guaranty Bank & Trust N.A. respects your privacy. Through our website and mobile application, we strive to provide valuable information to you about how we may serve you, and whether you are a valued existing customer or someone shopping for new bank services, we hope our site answers your questions about our products and services, locations, and hours.

How we handle information about you when you visit our website or mobile application will depend on what you do when visiting. If you visit the gnty.com website only to read information and do not use any of our online services or applications for services, then we collect and store only the name of the domain from which you access the Internet, the date and time you access our website, Internet address of the website from which you linked directly to our website and your zip code. We may record the IP address assigned to you by your internet service provider as part of this process. We use the information we collect to measure the number of visitors to different pages of our website and to help make our website more useful to visitors.

COOKIES, WEB BEACONS, AND OTHER TECHNOLOGIES

During your visit to our online or mobile application, we collect information to help gather statistics about usage and effectiveness and help personalize our interactions with you using various technologies such as cookies and web beacons.

Cookies are pieces of information stored directly on the computer you are using. Cookies used for Web Browsing can contain a variety of information, such as a simple count of how often you visit a Web site or information that allows customization of a Web site for your use. Cookies allow us to collect technical and navigational information such as browser type, time spent on our site, and the pages visited. They do not contain or capture customer-specific data. Cookies and similar files that we place on your computer do not contain any personal information unless encrypted, and we never use cookies or other files to track your use of other websites. We may place cookies or similar files on your hard drive for security purposes, to facilitate site navigation, and to personalize your experience while visiting our site. Our cookies do not identify you as an individual or by account number.

If you do not accept these cookies or similar files, you may experience some inconvenience in your use of some online products. For example, for Online Banking we will not be able to recognize your computer and you will need to answer a challenge question each time you log on.

We use cookies during your Online Banking Session. Cookies are used for security purposes in conjunction with our SiteKey service to recognize your computer. Any time a cookie is used, personal information is encrypted and used solely to support your Online Banking activity.

Cookies are also used to estimate our audience size. Each browser accessing our site is given a unique cookie, which is then used to determine whether a user is a first-time visitor or a return visitor. This helps us deliver better service by helping us understand whether the majority of those accessing the site are new or repeat visitors.

Additional technologies we might use, or our third-party service providers might use, are web beacons, ad tags, etc. that collect additional information such as geolocation and IP address. We use these, for example, to measure the effectiveness of our advertising, communications, viewing/response rates, compile statistics, personalize your online experience, for security and fraud detection, and to aid us in more efficient advertising.

For your privacy and security, we recommend that when you complete your online transactions that you log off completely before visiting other websites and/or restart your personal computer. This may clear your cookies. We also recommend that you do not visit other sites during your online banking session with us.

Using our Online Services

When you visit our website or our mobile application and use online services we offer such as account opening or electronic banking services, then there may be times when you are asked to provide personal information. This may include, but is not limited to the following:

Your first, middle, and last name,

  • Your physical address,
  • Your email address,
  • A telephone number,
  • Your social security number,
  • Date of birth,
  • Income,
  • Rent or mortgage amount, and
  • Account transaction information and history

How We Use Your Information As stated, collecting this information allows us to optimize the services we offer you. We use this information to process applications, conduct your transactions, verify your identity, respond to inquiries and communications from you, improve our services offered to you, provide important information to you, comply with legal or regulatory requirements, for business purposes, for fraud detection, and for other purposes.

How We Share Your Information

Guaranty Bank & Trust’s policy is that we do not disclose personally identifiable information about you to anyone, except as permitted by law and our applicable Privacy Statement. This statement describes the information we collect, how we share that information, and your choices related to that sharing of information.

Protecting Your Information

We safeguard any information that you share with us and that we collect from you according to strict standards of security and confidentiality. When you submit personal information to us, your information is protected both online and offline. We use encryption to protect sensitive information transmitted online.

Children’s Online Privacy Protection

Our site is not directed at individuals under the age of thirteen (13), and we do not knowingly solicit, collect, or use personal information from children under 13. Children under 13 are prohibited by this Privacy Statement from providing personal information through our site. We reserve the right to change this policy at any time by posting a new privacy policy.