Privacy, Security & Accessibility

Privacy

Lake Ridge Bank’s website is designed to keep you informed of the many financial services, savings and benefits available to you as a client. It also provides you with tools to manage your finances effectively and conveniently. At times it may be necessary for you to provide us with personal information so that we may better serve you. We recognize and respect your expectation that privacy be protected. To ensure your personal privacy is maintained, Lake Ridge Bank has set forth the following policies. By using our website and mobile app, you agree to these policies. Please see the “Privacy Notice” linked below for additional information and policies. 

Collection and Use of Personal Information

You may visit any section of our website to find out more about the Bank, the products we offer and the events we are supporting without providing any personal information.

We collect your personal information:

• Directly from you when you provide it to us, for example, when you open an account, pay your bills, apply for a loan, or use your credit or debit card. We use personal information to identify you, to communicate with you, and to help us answer your questions.
• Automatically when you use or access our website, such as details of your access to and use of the website.

“Personal information” is information that identifies, relates to, describes, is capable of being associated with, or otherwise could reasonably be linked, directly or indirectly, with you. The types of personal information we collect and share depend on the product or service you have with us, which can include:

• Name
• Address
• Phone number
• E-mail
• Social security number
• Income
• Account balances
• Payment history
• Credit history
• Credit scores

A cookie is a small file containing a string of characters that is sent to your browser when you visit a website. When you visit the website again, the cookie allows that site to recognize your browser. Cookies may store unique identifiers, user preferences, and other information, such as what pages you visit, your IP address, or how you arrived on the website. Cookie information allows us to enable certain functions of the website, to store your preferences and settings, and to analyze your use of the website and improve your experience on the website. Ultimately, a cookie allows us to recognize you and make the website more useful to you.

Any information you DO provide us will be used for the Bank's legitimate business purposes only, including:

• To communicate with you and to process your requests.
• To market to you and notify you of changes or additions to any products or services we offer.
• To help maintain the safety, security, and integrity of the website, as well as our products, services, databases, and other technology assets.
• For testing, research, analysis, and development, including to understand our audience, develop and improve new products and services, and to develop and improve the website.
• To respond to law enforcement requests and, as required by applicable law, court order, or governmental regulations.
• To fulfill any other purpose for which you provide it.
• For any other purpose with your consent.

Sharing

Customer information will not be shared with any other organization or business except:

• where the customer requests or consents to disclosure.
• where we are legally required to do so, for example, in response to a subpoena.
• where we have agreed to provide information under contract, for example, to a credit bureau.
• to service providers and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them, such as our software providers.
• where we are legally permitted to do so and there is an appropriate business justification.

We will not share or sell your information to a third party for the purpose of solicitation or provide personal information to a third party for its own use.

Mobile information will not be shared with third parties for their promotional use.  Any information that we use will be for internal business purposes only, and to support your relationship with us.  

Opt Out

You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us as provided under “Contact”, below.

If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us as provided under “Contact”, below.

Data Retention

We retain personal information only for so long as necessary to fulfill the purposes for which it was collected or as required by law, in accordance with our retention policies and applicable law. 

Children’s Privacy

The website is not directed to nor intended for use by anyone under 13 years. We do not knowingly collect personal information from children. Children are not authorized to use the website. If we learn we have collected or received personal information from a child through this website, we will delete that information. If you believe we might have any information from or about a child, please contact us as provided under “Contact”, below.  

Security

To safeguard your financial and personal information in an environment of continually evolving threats, we have created a multi-layered security program.

We strive to limit access to customer information to those authorized individuals who have a legitimate need to know.

We maintain security procedures that guard access to and disclosure of information about customers.

Some of the steps we take to protect your information include assessing risk, testing the security controls of our systems and evaluating our controls to ensure our services and software withstand newly discovered threats. Furthermore, we invest in both the skills of our staff and advanced adaptive security systems and maintain relationships with law enforcement and personnel in the security industry.

There are also several steps you can take to help prevent your personal information from being compromised:

• Install and regularly update virus-detection and anti-spyware programs.
• Always lock or log off your PC when not in use and do not have Windows store your passwords.
• View accounts regularly. Report suspicious activity to us immediately.
• Regularly change passwords and do not share or write them down. Create passwords that do not use readily identifiable things like names, birthdates, and phone numbers.
• Set encryption levels to the strongest setting available and take note of the encryption levels of regularly visited sites.
• Verify emails regarding security compromises with your bank or financial institution.
• Never include personal account numbers or social security numbers in an email.
• Do not open emails from unknown addresses and beware of attachments. Beware of emails with headers and return addresses with no identifying data.
• Do not install pirated software or software from an unknown source.
• Use a personal or business designed firewall.
• Never make online financial transactions via unfamiliar sites or institutions. Thieves can set up fake sites to steal money or your login information.
• When using a network, ensure that all connections are properly secured. Unsecured wireless access points, such as those found at airports, coffee shops, and hotels, are easy to intercept and someone could easily collect the information you’re using to log on.
• Don't fall for any scam that demands something up front. This includes wiring money, withdrawing cash, providing account information and more. Always verify these offers. If they are reputable, they will stand up to scrutiny.
  

E-Mail Inquiries sent through our web site pages use secure socket layer (SSL). Since our email response back to you is not secure, we will not include confidential account information in the response. You may also contact us by phone or U.S. mail.

---

Accessibility

• Assisting with filling out applications, either in person or on the phone
• Accessible parking spaces, walkways, entrances and lobby areas
• Service animal-friendly locations
• Audio-assisted ATMs and human-assisted ITMs