Legal Disclosures

Peach State Bank & Trust reserves the right to change this notice at any time by publishing a new privacy notice.

You should carefully review the notice and all of your rights as they are outlined in the policy.

The Mobile Apps Privacy Policy (the “Policy”) applies to your use of the websites and mobile device applications (collectively, “Apps”) of Peach State Bank & Trust (the “Bank”) to access the services of the Bank (“Services”). The Policy describes how information is collected by and through websites, mobile applications, and online interfaces that are owned, operated, or controlled by the Bank, including this website, and how that information may be used and shared. The Policy applies regardless of whether you are using a desktop computer, laptop, smart phone, electronic tablet, or other electronic device. For purposes of this Policy, the terms “we,” “us,” and “our” refer to the Bank. The terms “you,” “your,” and “yours” refer to any natural person who accesses or uses an App for personal, family, household or business purposes. By using or accessing any App, you confirm your agreement to the terms of this Policy.

We may access personal information while you use the Service such as your phone number, home address or email address. We will use this contact information to alert you about Service-related events or actions that require your attention. If you grant permission to use phone information, we will use the phone number to pre-populate forms that expect a personal phone number for contacting you. If you grant permission to use your device’s location, we will use the data when checking for nearby branch and ATM locations. If you grant permission to access photos, media or other files stored on your device, the service will use that information to add an image to a transaction, to attach a document to a conversation, and add a photo to your profile. If you grant permission to use a camera, the service will use it when taking a picture to add an image to a transaction or to capture images of a check that is being deposited or to add a photo to your profile.

Our privacy practices regarding your personal information can be found in our privacy policy located above. If you are a subscriber of Business Online Banking services, business-to-business exceptions in certain privacy laws may apply to your information. Our online banking service provider serves as a processor who acts as controllers of your personal information and are primarily responsible for handling such requests. They will cooperate with any privacy rights requests received from us. If you use the Service to make bill payments or engage in transactions with other companies, those companies should also have a privacy policy that addresses the use of your personal information and your privacy rights.

To use the mobile app provided with the Service (the "App"), you must have a mobile device that is compatible with the App. We do not warrant that the App will be compatible with your mobile device. You are responsible for any message and data rates from your mobile service provider when you use the App. You must comply with all rules and regulations of your mobile service provider and the mobile app store from which you download the App. If you download the Mobile App from the Apple App Store, you acknowledge and agree that this Agreement is solely between you and our service provider, not Apple, Inc. ("Apple") and that Apple has no responsibility for the App or content thereof. Your use of the App must comply with the Apple Store Terms of Service. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance or support services with respect to the App. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be solely governed by this Agreement and any law applicable to us as provider of the App. You acknowledge that Apple is not responsible for addressing any claims of you or any third party relating to the App or your possession and/or use of the App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation; and all such claims are governed solely by this Agreement and any law applicable to us as provider of the Service. You acknowledge that, in the event of any third-party claim that the App or your possession and use of that App infringes that third party’s intellectual property rights, our service provider, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by this Agreement. You and we acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of this Agreement as relates to your license of the App and compliance with the terms and rules of the Apple App Store, and that, upon your acceptance of the terms and conditions of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement as relates to your license of the App against you as a third-party beneficiary. If you download the App from the Google Play Store: (i) you acknowledge that the Agreement is between you and our service provider only, and not with Google, Inc. ("Google"); (ii) your use of App must comply with Google’s then-current Google Play Store Terms of Service; (iii) Google is only a provider of the Google Play Store where you obtained the App; (iv) our service provider, and not Google, is solely responsible for the App; (v) Google has no obligation or liability to you with respect to the App or this Agreement; and (vi) you acknowledge and agree that Google is a third-party beneficiary to the Agreement as it relates to the App.

You agree that we may collect and use data and information about you, your device, system and application software, and peripherals, that is gathered through your use of the Service to facilitate the provision of software updates, product support, product enhancements and other services (if any) related to the Service. Our service provider may use this information, as long as it is in a form that does not personally identify you, to improve its products or provide services or technologies.

To assist our service provider in maintaining and improving this application, we use multiple analytics and logging platforms to gather information about usage of the Service. For example, it tracks how many visitors the Service has, which screens they spend time on, what kinds of operating systems and devices they use, and how they found the Service. Analytics platforms generally do not track, collect or upload any data that personally identifies an individual (such as a name, email address, account number or billing information), or other data which can be reasonably linked to such information, although they may use anonymized identifiers. The information helps improve the performance of this Service for you.

We disclose your personal information collected through your use of the Services as described below.

The Apps may contain links to third party websites. When you click on a link to any other website or location, you will leave the Apps and go to another site and another entity may collect personal and/or anonymous information from you. The Apps’ provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

We implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.

Our Apps are not targeted to individuals under the age of 13, and we do not, through the Apps, intentionally gather personal information about visitors who are under the age of 13. If a child under 13 submits personal information to us through the Apps and we learn that the personal information is the information of a child under 13, we will attempt to delete the information as soon as possible.

This Policy is subject to occasional revision. Changes to this Policy will be posted on our website. These changes will be effective immediately for users of the Services. If you object to any such changes, you must notify us that you wish to deactivate your account. Continued use of the Services following changes shall indicate your acknowledgement of such changes.

If you have any questions or complaints about this Mobile Apps Privacy Policy or The Apps’ data collection or processing practices, or if you want to report any security violations to any of the Apps, please contact us by email at support@peachstatebank.com or by mail at: PO Box 290, Gainesville, GA 30503.

Recognizing that no physical security system is incapable of penetration, it is the policy of Peach State Bank and Trust to be in full compliance with the requirements of the Bank Protection Act. Further, it is the bank’s desire to adopt such additional security measures as may be recommended or desired which, in the opinion of the Board of Directors, will enhance the cost-benefit ratio of such additional measures.

At Peach State Bank & Trust, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. One of the best ways to avoid fraud is to become an educated consumer.

Please keep in mind that we will never ask for or email you requesting your online banking password. We may on occasion call to verify other information regarding your online activity, should we see something odd concerning your login patterns. If you plan to travel and use your Online Banking or debit card, it is very helpful to call us in advance to avoid your account being temporarily disabled for security purposes.

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

For personal accounts, limitations on your liability for unauthorized electronic funds transfers and other electronic errors that are covered by Regulation E are explained in the EFT Disclosure Statement in our Consumer Terms and Conditions brochure. However, if you use online services for any business activity, you assume all risk of loss for unauthorized transfers and payments, and you must establish your own internal security procedures for employees you authorize to prevent all unauthorized use by other employees or persons.

We encourage you to review our Security & Privacy link, which can be found at the bottom of any page of our www.peachstatebank.com Web site. If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at 770-536-1100 or via e-mail at customersupport@peachstatebank.com.

The Federal Deposit Insurance Corporation (FDIC) has resources for bank customers about appropriate steps they can take to help avoid fraud and other cyber threats when banking online or on their mobile devices. The following link will connect you to the FDIC's consumer protection resources: https://www.fdic.gov/consumers/assistance/protection/IdTheft.html

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Georgia.

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.