Privacy

This Online Privacy Policy ("Online Policy") describes how information is collected by PBI Bank, Inc., its holding company Porter Bancorp, Inc. (collectively described as "PBI Bank," "we," or "us"), this website and any PBI Bank website that links to this Online Policy (each a "Site,” and collectively "Sites"). This Online Policy specifically applies to PBI Bank's online collection, use and disclosure of information collected from visitors during use of the Sites, such as for transactional purposes or through online tracking technology, including cookies or action tags. This Online Policy also supplements, but does not replace, and should be read in conjunction with the PBI Bank Privacy Notice ("Privacy Notice"), which is located here.

 

Effective Date

This Online Policy is effective as of March 2014.

 

Changes to the Online Policy

PBI Bank reserves the right to change or amend this Online Policy at any time. Changes will be effective as of posting to the Site.

 

Categories of Information We Collect through Our Sites

We collect Personal Information and Aggregate Information from visitors to the Site. We use the term "Personal Information" to mean any information that can identify a specific individual. We use the term "Aggregate Information" to refer to any information that does not allow us to identify a specific individual, such as demographic information, areas visited on the Site or what browser was used to access the Site.

 

Personal Information

We may collect various types of Personal Information from visitors to the Site, such as name, address, e-mail address, phone number, Social Security Number, date of birth, driver's license, employment, income, residence, and collateral information.

 

Aggregate Information

We collect Aggregate Customer Information for a variety of purposes, including using it to enhance your online customer experience. For example, collection of Aggregate Customer Information enables us to gather and store information such as domain and browser information. This information allows us to measure traffic on various sections of our Site, monitor performance, and respond to customer needs. We may share "Aggregate Customer Information" with selected third parties, such as tracking product promotions, but this information will never identify you individually as a customer or include your personal identifying information.

 

Notice Regarding the Use of Cookies or Similar Technologies

Cookies or other similar technologies may be used to gather information. Cookies are electronic files that your Internet browser places on your hard drive to retain information relating to visits to and use of a website. PBI Bank uses cookies to improve the functionality of our Site. We do not use cookies to store or transmit Personal Information. We use cookies to enable our customers to navigate more easily within our Site during an online session. We use "persistent" cookies to allow you to set and maintain your preferences for using our Site. Persistent cookies remain on your computer's memory after you close your Internet browser.

We may also use 1x1 pixel "action tags," which are types of tracking technology associated with cookies. Action tags help us know how many visitors link to our Site from a third-party website, which areas of our Site visitors use most often, and how much time visitors spend at our Site. We provide this type of Aggregate Information to a nonaffiliated application service provider that compiles statistical information for us. PBI Bank may collect this data to enhance our ability to meet the needs of online users and make improvements to the online experience.

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 will not be able to log in to our secure Online Banking service, and you may limit other functionality we can provide when you visit our Site. You can also remove cookies by deleting them from your Temporary Internet or Cookies folder.

 

Our Use of Personal Information

Consistent with our Privacy Notice, we may use Personal Information provided by Site visitors to fulfill the purpose for which such information was provided, such as to open an account for you, to process a transaction authorized by you, to send you information we think may be of interest to you, to evaluate your suitability for a job if you apply online through the Careers section of our Site, or as specifically disclosed at the time the information is requested. We may aggregate individual visitor or customer information for further analysis.

 

Disclosure of Personal Information

We may disclose Personal Information, as permitted by law, and: (1) consistent with our Privacy Notice; (2) to comply with applicable laws; (3) to respond to governmental inquiries or requests; (4) to comply with valid legal process; (5) to protect the rights, privacy, safety or property of PBI Bank; (6) to permit us to pursue available remedies or limit damages that we may sustain; and (7) to enforce our rights resulting from inappropriate use of the Site.

 

Your Choice About Receiving Promotional E-mails

Visitors may choose not to receive promotional e-mails or electronic newsletters from us by following the instructions in the specific e-mail from which they wish to opt out. We will respond to a request made pursuant to this method as promptly as practicable. Even if you elect to stop receiving promotional e-mails from us, we may still contact you to tell you important information about the Site or PBI Bank, or in response to a transactional or service-related matter.

 

Children's Online Privacy Protection Act Information

This Site is not directed to children. We do not market to children, nor do we knowingly collect or retain personally identifiable information from children.

 

Safeguarding Personal Information

We continually review our security safeguards in order to protect customer and visitor information that we gather, transmit, and store in connection with our Site. Please see this Security section for additional information on how we protect your information, as well as steps you can take yourself to enjoy a safe and secure online experience.

Education is a key to protecting yourself from scams and threats, as well as keeping your computer operating system and data security software up to date. We will never ask for personal identifying information or login/password information in an e-mail. Also, never click on an unverified link in an e-mail. We may include links in our e-mails that take you to information on our Site about our products, services, and special pricing or promotional offers. However, we will never ask you for Personal Information in an e-mail from us (for example, username, password, Social Security Number or account number). We will also never include links that take you to a non-secure page where you are asked to provide this information.

Please contact PBI Bank immediately if you suspect that your information has been compromised or if you question the legitimacy of any communications sent to you from PBI Bank. You may contact us directly through the secure e-mail function within online banking, or through our customer service team at 877-369-2265 or at support@pbibank.com.

 

Notice Regarding Web Linking Practices

PBI Bank may provide access to information, products or services offered on websites that are owned or operated by other companies ("Third Party Websites"). We provide this access through the use of hyperlinks that automatically take you from PBI Bank’s Site to the Third Party Website. While we do our best to provide you with helpful, trustworthy resources, we cannot endorse, approve or guarantee information, products, services or recommendations provided at any Third Party Website. Because we may not always know when information on a linked site changes, PBI Bank is not responsible for the content or accuracy of any Third Party Website. PBI Bank shall not be responsible for any loss or damage of any sort resulting from the use of a link on its Site, nor will it be liable for any failure of products or services advertised or provided on any Third Party Website. You should familiarize yourself with the privacy policy and security practices of Third Party Websites that you choose to visit. Those are the policies and practices that will apply to your use of the Third Party Website, not PBI Bank’s policies and practices.