Rhinebeck Bank Mobile Application Privacy Notice

This Mobile Application Privacy Notice (“Notice”) applies to users of the Rhinebeck Bank Mobile Application (the “Mobile App” or “App”). The terms “Bank”, “we”, “us” and “our” in this Notice refer to Rhinebeck Bank and its affiliates. This Notice describes how we collect and use information when you use the Bank’s Mobile App. You may also access the Bank’s Privacy Notice at www.rhinebeckbank.com.

We collect two kinds of information through the Mobile App, depending on which services you use: non-personal information and personal information. We collect this data to provide access to the Mobile App, to process customers’ transactions and requests, to enhance the quality of our mobile banking services, and to market our products to you.

How do we collect personal information through the App?

We collect personal information about you through your mobile devices by the use of cookies and similar tracking technologies, as well as personal information that you provide when using our App. For example, you may provide us with information when you open a new account, register for a new product or service, request information from the Bank, update your contact information, or complete a survey or form.

At times, the Mobile App may request access to features or information stored on your mobile device, such as your camera, contacts, location, and external storage. This access is requested to enhance your own user experience, and to take advantage of specific services or features within the App, such as mobile deposits, ATM or branch location services, providing attachment to secured messages, or using a money transfer service. Before granting access to this information on your mobile device, you will be prompted to give the App permission. You may decline to give your permission if you do not want to allow the App access to this information. Please note that declining access may impact your ability to use certain services or features on the App. At any time, you can update your permissions within your device’s settings.

What types of personal information do we collect?

Personal information is provided by you when completing an application, form, or other requested fields, and may include name, address, social security number, drivers’ license number or other forms of identification, date of birth, phone numbers, account numbers, email addresses, credit or income information, usernames, passwords, and images of documents such as identification cards, checks, or statements. We also collect information from your mobile device, such as IP addresses, browser type, device type and operating system, sites visited on the Mobile App, date and time of access, and identity of the referring site.

How do we use and share personal information?

Personal information collected from or about you may be used for many purposes, such as: delivering products and services to you, allowing access to features and services within the App, verifying your identity, contacting you, providing important information about the App, processing applications for products and services, personalizing your mobile experience, detecting and preventing fraud, providing notifications, delivering marketing communications, and to perform analytics of your use of the App.

Reasons we can share your personal information with third party service providers include: for everyday business purposes such as to facilitate the processing of your transactions, to maintain your accounts, to respond to court orders and legal investigations, to report to credit bureaus, for marketing purposes to offer our products and services to you, for joint marketing with other financial companies, for our affiliates everyday business purposes and to market to you. Some of this sharing can be limited. Please refer to our Privacy Notice at www.rhinebeckbank.com.

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.