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Online Privacy Policy

Effective Date: September 30, 2025

Online Privacy Policy

At River Valley Community Bank, trust is the cornerstone of every relationship we build. We recognize that with trust comes the responsibility of safeguarding your personal and financial information. We are deeply committed to handling all confidential information with the highest level of integrity, confidentiality, and care. While access to information helps us deliver excellent service, we understand that our greatest responsibility and most valued asset is the trust our customers place in us every day.

For consumers, we also have a separate privacy notice addressing additional information collection and sharing practices.

Information we collect and How We Collect it

When you use our online services, we may collect, use, and retain personal information to deliver financial products and services, comply with legal obligations, and enhance your overall banking experience. This information may include Personally Identifiable Information (PII), such as your name, address, Social Security number, phone number, email address, and date of birth.

Information You Provide Us Directly
  • Name, Social Security number, contact information and login credentials
  • Customer support inquiries or feedback
  • Responses to promotions, surveys, or forms on our sites
Use of Website and Mobile Apps

When you use our website or mobile applications, we may collect information such as browsing activity, interactions, device details, and location data. We may also draw inferences from this information to understand your preferences and provide a personalized experience.

If you use our mobile deposit services, and take photographs of checks using our app, we will also collect an image of your check to facilitate your deposit.

Registration

When you register for Online or Mobile Banking we collect personal details such as your name, address, Social Security number, mother’s maiden name, phone number, email, username, and password. This information is used to create your account and recognize you on future visits.

Cookies

A cookie is a small data file stored on your device by your web browser at the request of a website. It contains information that we—or third-party websites—may use to interact with you and personalize your experience. We use cookies to recognize your browser and to verify whether the necessary software is installed to access specific content on our site. Additionally, cookies may support interactive features during your visit and help enhance your overall online banking experience with us.

How we use your information:
  • Process transactions and manage your accounts, respond to inquiries and provide customer support
  • Comply with legal and regulatory obligations.
  • Detect and prevent fraud and unauthorized access.
  • Send you offers and promotions for our products and services, or products and services that may be of interest to you.
  • Personalize content and experiences with our services.
  • Customize and improve our services and communications.
Disclosure of Information

We do not sell your Personal information; we may share information under the following circumstances:

Service Providers: We may share your information with Service Providers. Among other things, Service Providers may help us to administer our website, conduct surveys, provide technical support, process payments, and assist in the fulfillment of services. Regulatory and Law Enforcement Agencies: As required by law. Marketing: We do not disclose any Personally Identifiable Information about you to companies that perform marketing services, other than to facilitate marketing services on our behalf.

Data Security

We use industry-standard physical, technical, and administrative safeguards to protect your information. Access is limited to authorized personnel only, and we continuously review our security practices to proactively protect against evolving threats.

Access to your personal information is secured by a unique user ID and password that you create. To help keep your account safe, never share your password with anyone. If you believe your password has been compromised, please change your password immediately and contact us by calling one of our branches or 530-755-0418 as soon as possible.

Important Reminder: Information sent to us via email may not be secure. Please avoid including sensitive personal details, such as your account number or Social Security number, in any email. We will never ask you to provide sensitive information through email. If you receive such a request, please report it to us immediately by calling the information above.

Do Not Track Signal and How We Respond

We do not take action in response to "Do Not Track" browser settings. By logging in with your credentials, you consent to activity tracking during your session to enable secure and personalized banking services.

Links to Third Party Websites

We may provide links to websites owned or operated by third parties. When you follow a link to a third-party site, you are subject to that site's privacy, security, and terms of use, which may differ from our own. Were commend reviewing the privacy policy, terms of service, and security practices of any linked third-party website before sharing any personal information.

Social Media

River Valley Community Bank engages with customers on social media platforms such as Facebook®, Twitter® and LinkedIn®. Any content you post on official River Valley Community Bank managed social media pages, such as pictures, information, opinions or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms.

Please review the privacy policy for the specific social media service you are using to better understand your rights and obligations with regard to such content.

Children’s Privacy

Our online services are not intended for children under 13. We do not knowingly collect personal information from children under 13 without parental consent. Protecting the privacy of children is especially important to us and we do not knowingly solicit or collect personal information from children on our website. To learn more about the Children’s Online Privacy Protection Act (COPPA) please visit the Federal Trade Commission’s website at https://www.ftc.gov/

Updating Your Information

Keeping your account information up to date is very important. If you believe our information about you is inaccurate, or if you want to change your Personal Information such as your email address, you may contact us by your local branch or 530-755-0418.

Updates to This Policy

We reserve the right to amend this policy without prior notice. We will post and inform you of the revised Policy with a revised “Effective Date” at the top of the Policy. Any changes to this Policy will become effective upon the posting of the revised Policy on the website. By continuing to use the website following an update, you will be deemed to have agreed to the updated Policy. If you do not agree with the terms of this Online Privacy Policy, as it may be amended from time to time, in whole or in part, please do not continue using this website.