Online Banking and CardConnect Privacy Policy
 

Ledyard National Bank’s CardConnect, powered by Fiserv, helps you control your debit card(s) through your device, making it easy to manage your finances on the go.
 
This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with CardConnect.
 
The Types of Information We Collect
Through your use of Online Banking, we may collect personal information from you in the following ways:

1. Personal Information You Provide to Us.
   • We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.
   • We will collect the financial and transaction information necessary to provide you with Online Banking and related services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
   • If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
   • We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for Online Banking.
2. Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our services.
3. Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our services, our communications, and other online services, such as:

• Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, LTE, 3G), and general location information such as city, state or geographic area.
• Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
• Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
• Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
• Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
• Location Information. If you enabled location services on your phone or mobile device and agree to the collection of your location when prompted by CardConnect, we will collect location data when you use CardConnect even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

1. General Use. In general, we use your personal information collected through your use of Online Banking to respond to your requests as submitted through Online Banking, to provide you the services you request, and to help serve you better. We use your personal information, in connection with Online Banking, in the following ways:

• Facilitate the creation of, and secure and maintain your account
• Identify you as a legitimate user in our system
• Provide improved administration of Online Banking and CardConnect
• Provide the services you request
• Improve the quality of experience when you interact with the services
• Send you administrative e-mail notifications, such as security or support and maintenance advisories; and send surveys, offers, and other promotional materials related to Online Banking and CardConnect.

2. Compliance and protection. We may use your personal information to:

• Comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities
• Protect our, your or others’ rights, privacy, safety, or property (including by making and defending legal claims)
• Audit our internal processes for compliance with legal and contractual requirements and internal policies
• Enforce the terms and conditions that govern Online Banking and CardConnect; and
• Prevent, identify, investigate / deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.

3. Creation of Non-Identifiable Data. Online Banking and CardConnect may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.

1. In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with Online Banking and CardConnect, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
2. Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing Online Banking and CardConnect, for the purposes described in this Privacy Policy, including: to provide you with Online Banking and CardConnect; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of Online Banking and CardConnect; to provide technical support; and/or to provide other services to Online Banking and CardConnect.
3. Authorities and Others. Regardless of any choices you make regarding your personal information, Online Banking and CardConnect may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.

1. How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not act in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
2. Access, Update, or Correct Your Information. You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us.
3. Opting Out of Email or SMS Communications. If you 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 at the contact information under "Contact Us" below. If you provide your phone number through Online Banking, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through Online Banking.
4. Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of CardConnect.

• Information we receive from you on applications or other forms
• Information about your transactions with us or others
• Information we receive from a consumer-reporting agency