Digital Privacy Notice for United Community Banks, Inc. (United)

Effective as of May 9, 2022

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At United Community Bank, we take the issue of privacy very seriously.  We understand that protecting the privacy and confidentiality of your personal and account information is of the utmost importance.  You can be sure that our commitment to protect your financial information will continue under the principles and online guidelines described below.   

 

This Digital Privacy Notice (the “Notice”) applies to your use of the websites and mobile device applications 

(“Websites”) of United Community Banks, Inc. and its affiliates (“United”).  The Notice describes how information is collected by and through websites, mobile applications, and online interfaces that are owned, operated, or controlled by us (collectively, the “Sites”), including this Site, and how that information may be used and shared. The Notice applies regardless of whether you are using a desktop computer, laptop, smart phone, electronic tablet, or other electronic device. For purposes of this Notice, the terms “we,” “us,” and “our” refer to United Community Bank. The terms “you,” “your,” and “yours” refer to any natural person who accesses or uses a Site for personal, family, or household purposes.  By using or accessing any Site, you confirm your agreement to the terms of this Notice as may be in effect at that time.  

 

Certain Sites may have separate privacy notices or terms and conditions that are specific to those Sites, and when you use or access those Sites those separate privacy notices or terms and conditions will apply and will control with respect to the matters addressed therein in the event of a conflict with the terms of this Notice.  If you are a United customer, you should also review our customer Privacy Statement, which more broadly governs United’s handling of your personal information.  Click here for our Privacy Policy or visit ucbi.com/privacy-policy.  

United collects data to be able to best serve your needs. The personal information we collect depends on the types of financial products you are seeking and allows our teams to determine how to best support your financial goals. We collect personal information when you use our Sites to apply for, obtain, or use our products and services, to make inquiries about our products and services, or to provide information and feedback about our products and services. In connection with your use of our Sites, products, and services, we may ask for, and you may provide, personal information in forms, surveys, applications, and online fields, or you may authorize us to collect personal information from third party sources. 
 

We may collect and use personally identifiable information through our Sites, including information you provide directly when completing forms or transacting with us, such as your name, your home address, your email address, your telephone number, your social security number, your account number, or transaction information.  
 

We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device’s geolocation data.  This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in-branch transactions). For your convenience, you may be asked to grant permission to access your mobile device’s camera to support capturing a check image to complete a mobile deposit. For your convenience, you may be asked to grant permission to access your mobile device’s contacts to load your contact list as a recipient list for person to person payments.  

 

In addition, we may collect certain information about your use of our online services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, geolocation and other location information transmitted by your device, information obtained from cookies that have been placed on your device or internet browser at our Sites or at other websites you have visited, demographic information, aggregated information, blind information about how you use our products and services and about the transactions you perform using our products and services, and other information obtained through your access to or use of a Site.  We may supplement the information we collect from you with information we receive about you from other sources, such as credit reporting agencies. 

We may use the information we obtain:

• to respond to your inquiries and fulfill your requests;
• to complete transactions and render services authorized by you;
• to inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information;
• to deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you;
• to personalize your experience on the Site;
• to allow you to apply for products or services and evaluate your eligibility for such products or services;
• to verify your identity and/or location in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of account and personal information;
• to allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. to allow you to use some Site financial planning tools. Information that you enter into one of these planning tools may be stored for future access and use. You have the option not to save the information;
• to support our business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
• to control risks, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;
• to allow you to utilize features within our Sites by granting us access to information from your device such as contact lists, or geo-location when you request certain services.

In the course of business, we may share personal information with third parties who help us deliver products, services, and content to you or to accelerate or enhance your experience with us. We share personal information about you only as permitted by law. For personal information that is nonpublic and that we collect in connection with a financial service, U.S. federal law permits us to share such information only for the purposes shown in the following table:
 

Reasons we can share Personal Information about you	Do we share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, respond to court orders and legal investigations, and report to credit bureaus;	Yes	No
For our marketing purposes - to offer our products and services to you;	Yes	No
For Joint Marketing with other financial companies;	No	No
For our Affiliates' everyday business purposes (information about your transactions and experiences);	Yes	No
For our Affiliates' everyday business purposes (information about your creditworthiness);	No	We do not share
For our Affiliates to market to you;	No	We do not share
For Nonaffiliates to market to you	No	We do not share

United uses commercially reasonable physical, electronic, and procedural safeguards security measures to protect personal information collected through the Sites. These measures include device safeguards and secured files and buildings. Please note that information you send to us electronically may not be secure when it’s transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your Social Security number) to us. 
 

In the event we share information with third party service providers or joint marketers, we restrict the ability of such parties to use or disclose the information we furnish. We also require such parties to apply appropriate security measures to protect information. We retain your information for as long as needed: (i) to conduct business with you; (ii) as needed for the purposes outlined in this Notice or at the time of collection; or (iii) as necessary to comply with our legal obligations, resolve disputes, and enforce any agreements.  Unfortunately, no data transmission or storage system can be guaranteed to be absolutely secure, and we disclaim any representation or warranty that our information security systems or those of our service providers and joint marketers are invulnerable to breach or compromise.

Our Sites are not targeted to individuals under thirteen (13) years of age. We do not knowingly collect information from children under 13 without parental consent.  Only the parent or legal guardian of a child under the age of 13 may utilize any services provided through the Websites that involve a password, user ID, or the provision of any other information by the user, even when a deposit or other account has been established on behalf of the child. Should you have additional questions or concerns, please call us at 1-800-UCBANK1 (1-800-822-2651) or visit our Contact Us page for more information. 

The information and disclosures contained in this Notice apply only to our Sites. If you link to a third-party website from our Sites, the third-party website will not be governed by this Notice. We recommend that you review the internet or online privacy notice for any third-party website you visit, including any social media website or application. 

We may change our privacy practices and amend this Notice in our discretion. Any changes or amendments we make will be effective when we post them at the applicable Site, unless we expressly provide a different effective date. You agree that the posting of such changes or amendments at the applicable Site shall constitute effective notice thereof to you. You agree to review the Notice periodically to ensure that you are familiar with the current terms of this Notice. You acknowledge and agree that any changes we make are binding on you as of the effective date we dictate, but in any event your use of the applicable Site on or after the effective date constitutes your affirmative acceptance of such changes. The effective date set forth at the beginning of this Notice indicates when this Notice was last changed.  

If you have questions about this Notice, please call us at 1-800-UCBANK1 (1-800-822-2651) or visit our Contact Us page for more information.