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Privacy and Security

Online Privacy Policy

Privacy is your right and our responsibility.

 

Crescent Bank is an FDIC insured bank committed to maintaining and supporting the privacy of its customers, applicants, and site visitors.

Read below to find out how we protect consumer information and how you can help ensure we meet our goal of providing a safe and trustworthy online user experience.

What this Policy applies to

This Online Privacy Policy covers Crescent Bank’s collection of data from users on its website. For purposes of this Notice, the terms “we,” “us,” and “our” refer to Crescent Bank. The terms “you,” “your,” and “yours” refer to any natural person who accesses or uses our website.

What this Policy does not apply to

Our site has links to non-affiliate websites and in certain sections may interface with non-affiliated third party vendors. If you visit or access your accounts from one of these sites, please review the online privacy practices of that site to understand how your online information may be collected, used, and shared by a third party.

Other Notices and Disclosures

Our Consumer Privacy Notice applies to information we collect about individuals who seek, apply for, or obtain our financial products and services for personal, family, or household purposes. Crescent bank does not share, other than for everyday business purposes, personal information with nonaffiliates or personal information about creditworthiness with affiliates or joint marketing partners. Crescent Bank does not engage in telemarketing calls. Changes will not be made to this policy without providing notice and/or privacy choices in states where required by law.

What Information does Crescent Bank collect online? 

The information we collect from you depends on how you use our website and services. Certain anonymous online activity data is collected regarding all website visitors, as will be discussed below. But if you are a customer or applicant, we may also request certain “Personally Identifiable Information”, which is information you provide us that identifies you, such as your name, address, telephone number, or social security number. This data will only be obtained by us if you voluntarily provide it in a customer or payment portal. Please do not send sensitive personal information by email. All Personally Identifiable Information is protected pursuant to Crescent Bank’s Security Policy, which conforms to federal standards for the protection of customers’ financial information. Your rights pursuant to our use and sharing of this information is set forth in the Consumer Privacy Notice. We do not sell any of this information to third parties, though we may obtain information from third parties and link it to the data you provide us in order to process applications and/or provide services for our account holders.

What is “Anonymous Online Activity Data” and why does Crescent Bank collect it?

“Anonymous Online Activity Data” is information not directly associated with any individual’s personally identifiable information. It includes data such as IP addresses, browser types, geolocation data, and other anonymous data about how users use our website. The information cannot be directly tied to you—we collect it so we can get general information about traffic on our website in order to improve the user experience. Crescent Bank collects the data through Google Analytics. You can learn more about how Google Analytics collects and processes data by clicking here. The easiest way to restrict such data from being shared, if you so choose, is by restricting sharing in your privacy settings on your browser.

California Residents’ Privacy Rights

In addition to requiring we disclose the information we provided above regarding how we obtain and use consumer data, California law permits consumers who are California residents to request that Crescent Bank identify the specific pieces of personal information Crescent Bank has collected and/or shared about that consumer. Further, they have the right to request that Crescent Bank delete certain information that it has retained. Where possible, Crescent Bank will respond to such requests within forty-five (45) days. Be advised, however, that these rights are not applicable to customer information shared with us in connection with a current or past account with Crescent Bank. Further, you will need to provide information sufficient to verify your identity and California residency. Due to the fact Crescent Bank only obtains anonymized data linked to IP addresses, this will create difficulty in verifying the requestor.

To make such a request, please send an email, call, or write us at:

Email: privacy@cbtno.com
Toll-Free Phone Number: (866) 208-8288
Mail: P.O. Box 2585, Addison, TX 75001, Attn: California Consumer Privacy Act

Consumers may direct any other questions or concerns about Crescent Bank’s privacy policies and practices using the contact information above.

Social Media Policy

We may from time to time use social media websites and applications (e.g., Facebook®, Instagram®, Twitter®, YouTube® and LinkedIn®) to communicate general information about us and about our products and services. We may collect information from our interactions with you at such social media websites and applications, and we may use the information for the purposes and uses described in this Notice. If we disclose any terms of use at specific social media pages that we manage, you also will be subject to those terms when you interact with those pages. The owners and operators of social media websites and applications may impose their own terms of use and privacy policies with respect to the use of their websites and applications. This Notice does not govern the use, handling, and treatment of content you may post at social media websites and applications by the owners and operators of those websites and applications. You should review the terms of use and privacy policies of any social media website or application that you use to make sure you understand your rights and obligations with regard to content that you post.

Children’s Online Privacy Policy

We do not collect information on our web sites from persons we actually know are under 13 years old, and no part of our web site is targeted toward any person under 13 years old. Parents can limit web site access by installing programs that enable parental control of Internet access. Children under the age of 13 are protected from the online collection of personal information by the Children's Online Privacy Protection Act (COPPA). To learn more about COPPA, visit the Federal Trade Commission's web site by clicking here.

Updates to the Online Privacy Policy

This Online Privacy Notice was last updated March 29, 2022. This Notice may be amended from time to time, consistent with applicable data protection and privacy laws and principles. We will notify you of changes to this policy either through email, posting on our website, via our Services, or other means. We will notify Customers if we make changes that materially affect the way we handle data that we previously collected, and we will allow them to choose whether their data may be used in any materially different manner.