Enterprise Privacy Notice
Effective Date: January 1, 2022
The privacy and security of your information are very important to J.P Mora Bank (“JSPMora”, “we”, “us”, “our”). We are deeply committed to maintaining industry-standard levels of security that comply with applicable international and federal and state laws to help protect the personal information that we collect. Additional information on our security practices may be found at the “Security Center” link at the bottom of this page. For purposes of this Enterprise Privacy Notice, the terms “JSPMora”, “we”, “us” and “our” include First National Advisers, LLC and FNN Trust Company, LLC.
This Enterprise Privacy Notice applies to your interaction and communication with JSPMora, including, without limitation, in person, by phone, through mail or email or through any online or mobile site, application or social media account that JSPMora owns and controls (collectively, “Sites”), unless a separate privacy notice is posted or made available to you and supplements this Enterprise Privacy Notice.
This Enterprise Privacy Notice applies only to the Sites and does not extend to other websites, including websites owned and controlled by our partners or third-party websites for which we have provided links, or to any social media platforms, which are governed by their own terms of use and privacy policies.
By accessing or using our Sites or otherwise disclosing information to us, you consent to our collection, use, and sharing of your information in accordance with this Enterprise Privacy Notice.
Information we collect:
We collect the below categories of information directly and indirectly from individuals and the parties with which we do business in a variety of ways, including in person, by phone, through mail or email, and through our Sites. These may include parties that interact with us directly (our customers or individuals that apply for our products, respond to our surveys, request information about our products or services or otherwise voluntarily provide us with their information), parties to which we provide goods or services, parties that provide goods or services to us and other parties with whom we offer or provide products and services.
We may continue to collect and store the following types of information:
- Identifiers, such as, name, address, email address, phone number, date of birth, social security number, tax payer ID, driver’s license number, passport number, government ID or IP address.
- Protected classification characteristics, such as, race, color, national origin, marital status, sex, veteran or military status.
- Geolocation data, such as, physical location or movements.
- Biometric information, such as, face prints, voice recordings, fingerprints or keystroke patterns or rhythms.
- Commercial information, such as, organizational information, records of personal property or purchasing history.
- Internet or other similar network activity, such as, browser information, search history, device type or service provider information.
- Professional or employment related information, such as, income or current or past job history.
- Educational information, such as, transcript, student records, grades and performance, activities, school name or school ID.
- Health information, such as, medical history, insurance information, benefit plan information, claims history or payment history.
- Inferences drawn from other information, such as, person’s preferences, trends or behaviors.
- Personal records, such as, family history or power of attorney.
- Information that you provide by filling in forms or providing other contributions on our Sites.
- Information received from a government entity or other third party.
- Records and copies of your correspondence (including email addresses), if you contact us.
- Responses to surveys.
- Details of transactions you carry out through our Sites, such as, financial information, account information, credit information or transactional information.
Certain information set forth above may be categorized as “personal information” to the extent it identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device. Such personal information may receive additional protections under applicable state or federal law (see below). Personal information specifically does not include information that is publicly available information from government records, or information that is deidentified or aggregated information.
How we use the information we collect:
We may use information:
- To detect, investigate or prevent activity that may be illegal, violate our policies, cause harm to our operations or compromise our security.
- To optimize, improve or enhance our products, services and operations.
- To respond to your inquiries or fulfill your requests, including to provide individuals with, or evaluate their eligibility for, products and services that they have requested from us.
- To communicate with individuals about their accounts or transactions that they have made with us.
- To provide important information regarding our products or services, including changes to our policies or other terms, conditions or agreements and our Sites.
- To allow participation in surveys, sweepstakes, contests and other promotions.
- To comply with legal and regulatory requirements, required disclosures and choices or controls that may be available.
- To send offers and promotions for our products and services or for other products and services that may be of interest.
- To personalize online or mobile content and user experiences.
- To verify the identity or location of an individual for security, fraud prevention and other risk control purposes.
- To provide advertising based on activity on our Sites.
- To perform operational functions in connection with our business, including data analysis, audits, developing and improving products and services, enhancing the Sites, identifying usage trends and determining the effectiveness of promotional campaigns.
- In connection with your employment (to the extent applicable to you).
- For any other purpose disclosed by us to you at the time you provide us information.
We may disclose each of the categories of information we collect for any of the business purposes set forth above.
To the extent you have obtained a financial product or service from JSPMORA that is used primarily for personal, family or household purposes, please refer to the supplemental privacy statement found here with respect to how JSPMORA will use and share your personal information collected in connection with such financial product or service.
If you are a California resident, you may have additional rights with respect to your personal information. Please refer to the Section below entitled “California resident privacy rights”.
How we share the information we collect:
Generally, our sharing of information is subject to additional rights available under applicable federal or Data Protection Regulation of the European Union (GDPR) and other applicable Data Privacy regulations.
We may disclose information that we collect:
- To our subsidiaries and affiliates.
- To contractors, service providers and other third parties we use to support our business.
- To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of any or all of J.P MORA’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which information held by J.P MORA about our Site users is among the assets transferred.
- To third parties to market their products or services to you.
- To fulfill the purpose for which you provide it.
- For any other purpose disclosed by us when you provide the information.
- With your consent.
- To comply with any court order, law or legal process, such as, responding to any government or regulatory request.
- To enforce or apply our terms of use with respect to our Site and other agreements, including for billing and collection purposes.
- If we believe disclosure is necessary or appropriate to protect the rights, property or safety of JSPMora, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
We may disclose aggregated information about you, and information that does not identify any individual, without restriction. We may disclose each of the categories of information we collect for any of the business purposes set forth above.
To the extent you have obtained a financial product or service from JSPMora that is used primarily for personal, family or household purposes, please refer to the supplemental privacy statement found here with respect to how JSPMora will use and share your personal information collected in connection with such financial product or service.
If you are a California resident, you may have additional rights with respect to your personal information. Please refer to the Section below entitled “California resident privacy rights”.
Cookies and similar technologies:
We or our service providers may automatically collect information about you or visitors to our Sites using cookies. A cookie is a small file placed on a computer or mobile device by a webpage server that allows the webpage server to determine things like how much time each visit by the computer or device lasts and what the computer or device is viewing and clicking on during each visit. This information may be used for security purposes, to help in navigation, to display content more effectively, to improve experiences, to optimize our sites and better serve you with appropriate and relevant marketing offers. The cookies that we use do not track activities that occur on websites other than our own.
Cookies that are used as part of our Sites may include cookies of a third-party website that are being cobrowsed, for example, to deliver the Sites as intended by the third-party website operator. Our Sites may also use tracking pixels or other similar technologies embedded in online advertising, often distributed to third-party websites using ad exchanges that allow the gathering of data about viewers of their online advertising.
In addition, we may contract with third-party advertising networks that collect IP addresses and other information from our Sites, from emails, and on third-party websites. Ad networks follow your online activities over time by collecting information through automated means, including through the use of cookies, and use this information to provide advertisements about products and services tailored to your interests. We may also partner with third parties to provide certain features on our Sites or to display advertising based on your web browsing activity.
In addition, we use advertising service providers to place advertisements for our accounts and services on websites not affiliated with us and to help us determine which of our advertisements are most likely to be of interest to you using nonPersonal Information. Advertisements placed by these service providers may use tracking technologies that allow monitoring of your responsiveness to such advertisements. We restrict access and collection of information by advertising service providers for purposes other than assisting us with our advertising efforts.
While most web browsers are automatically set to accept cookies, web browser preferences can be modified to disable cookies. Disabling or declining cookies, however, will likely impact or disable some of our Site’s functionality and/or your user experience. While cookies are not required to browse our Site, they may be required for access to accounts. You may opt out of certain advertising and web analytic cookies by visiting the “Modify Privacy Options” link at the bottom of this page.
Children’s Online Privacy Protection Act:
We recognize that protecting children’s identities and privacy is important. We do not knowingly market to or solicit information from children under thirteen (13) without the affirmative consent required under applicable law.
USA PATRIOT Act:
To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify and record information that identifies each person (including business entities) who opens an account.
What this means to you: When you open an account, we will ask for your name, physical address, date of birth, taxpayer identification number, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. We will let you know if additional information is required.
Notice to International Users:
The Sites and bank products and services are offered and hosted in the United States and subject to U.S. law and are intended for users located only in the U.S., European Union (GDPR). If you are accessing the Sites or bank products and services from outside the United States, please be advised that U.S. law may not offer the same privacy protections as the laws of your jurisdiction. By accessing and using the Sites or bank products and services, you consent to the transfer to and processing of your personal information in the U.S.
Changes to this Enterprise Privacy Notice:
We may change this Enterprise Privacy Notice at any time. The most current version of this Enterprise Privacy Notice will be posted and available on the Sites. Any changes to this Enterprise Privacy Notice will be effective at the time we post the revised Enterprise Privacy Notice to the Sites. If we make material changes to how we treat your information, we will notify you through a notice on our Sites home page. Please review it periodically. Your use of the Site following any changes made means that you accept the revised Enterprise Privacy Notice.
Contact Information:
If you have any questions or comments about this Enterprise Privacy Notice, please do not hesitate to contact us at:
Website: Contact Us
Email: support@jpmorabank.net
JSPMORA
Po Box 310, Fleischmanns, NY, 12430