Last Updated: 09/17/2021
CSB_App (the “App”) – powered by Fiserv – helps you control
your debit cards through your mobile device, making it easy to manage your
finances on the go.
The App allows you to:
- get real-time balances for your accounts
- manage your money
- view your transactions and statements
- make transfers
- pay your bills and manage billers
- deposit a check
- receive alerts
- manage cards
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 the App’s website and mobile application (the
THE TYPES OF INFORMATION WE COLLECT IN THE APP
Through your use of the Services, we may collect personal information from
you in the following ways:
(a) 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 the 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 the Services.
(b) 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.
(c) 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., WiFi, 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
- 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 have enabled location services on your
phone and agree to the collection of your location when prompted by the
Services, we will collect your location information when you use the
Services; 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
HOW WE USE YOUR INFORMATION COLLECTED IN THE APP
(a) General Use. In general, we use your personal information collected
through your use of the Services to respond to your requests as submitted
through the Services, to provide you the Services you request, and to help serve
you better. We use your personal information, in connection with the App, in the
- facilitate the creation of, and secure and maintain your account;
- identify you as a legitimate user in our system;
- provide improved administration of the Services;
- 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 the
(b) 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 the Service; and
- prevent, identify, investigate and deter fraudulent, harmful,
unauthorized, unethical or illegal activity, including cyberattacks and
(c) Creation of Non-Identifiable Data. The App 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.
DISCLOSURE OF YOUR PERSONAL INFORMATION
We disclose your personal information collected through your use of the
Services as described below.
(a) In Accordance with Our Other Privacy Notices. Other than as described in
apply to the processing of your information by us or third parties with whom we
(b) 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 the App, for the purposes described in this Privacy
Policy, including: to provide you with the Services; to conduct quality
assurance testing; to facilitate the creation of accounts; to optimize the
performance of the Services; to provide technical support; and/or to provide
other services to the App.
(c) Authorities and Others. Regardless of any choices you make regarding your
personal information, The App may disclose your personal information to law
enforcement, government authorities, and private parties, for the compliance and
protection services described above.
LINKS TO OTHER SITES
The App may contain links to third party websites. When you click on a link
to any other website or location, you will leave the App and go to another site
and another entity may collect personal and/or anonymous information from you.
The App’s provision of a link to any other website or location is for your
convenience and does not signify our endorsement of such other website or
location or its contents. We have no control over, do not review, and cannot be
responsible for, these outside websites or their content. Please be aware that
YOUR CHOICES REGARDING YOUR INFORMATION
You have several choices regarding use of information on the Services.
(a) 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 take action in response to these signals. If and when a standard is
established, we may revise its policy on responding to these signals.
(b) 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.
(c) Opting Out of Email or SMS Communications. 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 at the contact information under "Contact Us"
below. If you provide your phone number through the Services, 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 the Services.
(d) 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 the App.
SAFEGUARDS AND RETENTION
We implement reasonable administrative, technical and physical measures in an
effort to safeguard the information in our custody and control against theft,
loss and unauthorized access, use, modification and disclosure. Nevertheless,
transmission via the internet is not completely secure and we cannot guarantee
the security of your information.
A NOTE ABOUT CHILDREN
The Services are not directed towards individuals under the age of 18, and we
do not, through the App, intentionally gather personal information about
visitors who are under the age of 18. If a child under 18 submits personal
information to us through the App and we learn that the personal information is
the information of a child under 18, we will attempt to delete the information
as soon as possible.
any material changes in its collection, use, or disclosure of your personal
information by posting a notice on the Services. Any material changes to this
the changes on the Services. These changes will be effective immediately for new
users of the Services. If you object to any such changes, you must notify us
prior to the effective date of such changes that you wish to deactivate your
account. Continued use of the Services following notice of any such changes
shall indicate your acknowledgement of such changes.
App’s data collection or processing practices, or if you want to report any
security violations to The App, please contact The App by email at:
email@example.com; or by mail at:
Commercial State Bank
204 S Main, PO Box 220
Wagner, SD 57380