Online Privacy Policy

rev. Jan. 7th, 2026

Queensborough National Bank & Trust Company (the Bank) respects your privacy and recognizes that trust is the hallmark of every customer relationship. This Online Privacy Policy (“Policy”) describes the collection, usage, retention, and sharing of Personal Information (defined below) as we provide our products and services to you, including any products or services provided via our websites, applications, and online platforms that link to this Policy (“Services”). This Policy is applicable to our websites, applications, and online platforms (collectively, “Site”). It also describes rights you may have under applicable laws. Please read this Policy carefully to understand our policies and practices regarding your Personal Information. 
 
Other Privacy Notices
The Bank has other privacy notices and policies that may additionally apply, depending on your relationship with us and what types of Services you utilize. This policy is supplemental in nature and does not supersede or replace the Bank’s Consumer Privacy Notice which is posted on the Bank’s website and provided to customers when a Bank product or service is requested that will be used for personal, family, or household purposes. 
 
Personal Information We Collect
We collect several categories of Personal Information from and about users of our Site and Services. “Personal Information” means information that uniquely identifies, relates to, describes, or is reasonably capable of being associated with or linked to you. The categories of Personal Information we collect may include:
 

• Contact Information – If you submit an inquiry, register for an account, or provide information on or through our Site or Services, we may collect your contact information including your name, mailing address, email address, and phone number.
• Commercial Information – If you submit an inquiry, or provide information on our Site, we may collect commercial information including information about your accounts and Services you have shown interest in.
• Usage Information – When you use our Site, we may automatically record information, including your Internet Protocol address (IP Address), geolocation of your device, browser type, referring URLs (e.g., the website you visited before coming to our Site), domain names associated with your internet service provider, and any other information regarding your interaction with our Site.
• Communication Information – We may collect Personal Information contained within your communications with us via email, chat functionality, social media, mail, text messages, telephone, in person, or other similar channels, and in certain cases we may use third-party service providers to do so. Where permitted by applicable law, we may collect and maintain records of calls and chats with our agents, representatives, or employees via message, chat, call, post, or similar functionality.
• Account or Financial Information – We may collect log-in, financial account, debit card, or credit card numbers allowing access to an account. We may also collect information to open your account and/or verify your identity, which may include biometric identification, social security number or other sensitive categories of information. If you use or apply to use our Services, we may collect financial information from you including credit and income information, documents or images submitted via our Site to support account opening and similar information. For more information, please see our Consumer Privacy Notice.

 
For additional information on the categories of information we collect, please also view the Cookies and Other Tracking Technologies section of this Policy.
 
How We Collect Personal Information

• Directly From You – We collect Personal Information that you provide to us directly, for example, if you choose to contact us, request information from us, sign up to receive updates, or otherwise utilize our Site or Services.
• From Third Parties – We may collect Personal Information from third parties, including but not limited to business partners, advertising networks, social networks, data analytics providers, mobile device providers, and Internet or mobile service providers.
• Through Online Tracking Technologies – We use cookies and similar technologies to collect Personal Information automatically as you navigate our Site. For additional information regarding our use of these technologies, see the Cookies and Other Tracking Technologies section below. 

 
How We Use Personal Information
To the extent permitted by applicable law, we use Personal Information:

• To provide and personalize our Site and Services, such as processing or fulfilling orders and transactions, providing and personalizing our Services, processing payments, providing customer service, maintaining or servicing accounts, providing financing, verifying customer information, creating and maintaining business records, verifying eligibility, and undertaking or providing similar services.
• To optimize, improve, and maintain our Services, including understanding how users interact with our Services, gauging user interest in certain Services or Site functionality, and troubleshooting problems.
• For internal research and development, such as testing, verifying, and improving the quality of our Services or developing new ones.
• For marketing and advertising, including using your information to send you messages, notices, newsletters, surveys, promotions, or event invitations about our own or third parties’ goods and services that may be of interest to you. We also use Personal Information to conduct interest-based advertising as discussed in the Cookies and Other Tracking Technologies section below.
• For communicating with you, such as responding to your questions and comments or notifying you of changes to our Site or Services.
• For legal, security, authentication, and/or safety reasons, such as protecting our and our users’ safety, property, or rights; complying with legal requirements; enforcing our terms, conditions, and policies; detecting, preventing, and responding to security incidents; and protecting against malicious, deceptive, fraudulent, or illegal activity.
• As part of a corporate transaction, such as in connection with the sale of part or all of our assets or business, the acquisition of part or all of another business or another business’ assets, or another corporate transaction, including bankruptcy.
• To fulfill any other purpose for which you provide Personal Information, including purposes described when you provide the Personal Information or give your consent.

     
How We Disclose Personal Information
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.
 
We may disclose your Personal Information with your consent or in the following circumstances:

• Employees and Other Personnel – We may share Personal Information with our employees and personnel (such as contractors) who have a need to know the information for our business purposes.
• Service Providers – We disclose your Personal Information with the service providers that we use to support our business, including but not limited to, data analytics providers, website hosting providers, and other technology providers. If you are applying for a job with us, this may include service providers such as background check providers and human resource providers.
• Business Partners – We may disclose Personal Information with trusted business partners. For example, we may disclose your Personal Information with a company whose products or services we think may be of interest to you or who we co-sponsor a promotion or service with. 
• Ad Tech Companies and Other Providers – We may share or make available limited Personal Information (such as a mobile device identifiers or email addresses) with ad tech companies and other online service providers. When we share your Personal Information in this context, we follow applicable legal requirements as set out in the Cookie Choices subsection of the Cookies and Other Tracking Technologies below.
• Legal Obligation or Safety Reasons –We may disclose Personal Information to a third party when we have a good faith belief that such disclosure of Personal Information is reasonably necessary to (a) satisfy or comply with any requirement of law, regulation, legal process, or enforceable governmental request, (b) enforce or investigate a potential violation of any agreement you have with us, (c) detect, prevent, or otherwise respond to fraud, security or technical concerns, (d) support auditing and compliance functions, or (e) protect the rights, property, or safety of the Bank’s employees and clients, or the public against harm.
• Merger or Change of Control – We may disclose Personal Information to third parties as necessary if we are involved in a merger, acquisition, or any other transaction involving a change of control in our business, including but not limited to, a bankruptcy or similar proceeding. Where legally required, we will give you notice prior to such disclosure.
• Other – We may disclose Personal Information to third parties when explicitly requested by or consented to by you, or for the purposes for which you disclosed the Personal Information to us as indicated at the time and point of the disclosure (or as was obvious at the time and point of disclosure).

     
Cookies and Other Tracking Technologies
Cookies are small text files that a website server stores in association with your browser and device. We and our service providers may use first and third-party cookies and similar technologies to collect usage and browser information about how you use our Site. The technologies from third-party providers that we use may include cookies and web beacons. We process the information collected through such technologies, for various reasons which may include or be combined with Personal Information, to help operate certain features of our Site, to enhance your experience through personalization, and to help us better understand the features of our Site that you and other users are most interested in. 
 
Website Delivery and Appearance – We may use third party providers to enable certain customer interaction opportunities, content delivery (like audio or video), or other service capabilities. Examples include, but are not limited to, the following functionality:
 

• Content Delivery – We partner with service providers to host our Site and deliver specific content in support of our Services. For example, we use Vimeo and YouTube to deliver video content on our Site, which are governed by Vimeo’s Privacy Policy and YouTube’s Privacy Policy respectively. 
• Customer Interaction – We enhance our customer interactions by offering features like Google Maps to locate our Service locations. This offering is governed by the terms, conditions, and policies of the underlying service provider. For example, please see Google Maps/Google Earth Terms of Service and Google’s Privacy Policy for more information on how that feature operates.
• Customer Support – We partner with a third-party digital customer service tool, Glia, to provide features on the Site such as live chat, audio/video support, and co-browsing. When you interact with the Site or use these support tools, Glia may collect and process information including:

            • Technical data (e.g., browser type, device information, IP address, personal identifiers, usage information)
            • Interaction data (e.g., pages viewed during a support session, chat transcript, co-browse activity, message content)
            • Any information you choose to share to help our support team assist you.
        For more information on the specific information collected via this tool, and how this information is used and handled by Glia, please see Glia’s Privacy Policy.
 
Website Analytics and Session Replay – We use analytics and session replay services, that use cookies and other technologies that collect your Personal Information, to assist us with analyzing our Site traffic and usage to optimize, maintain, and secure our Site and inform subsequent business decisions (including, e.g., advertising). These include, but are not limited to, the following third-party services:
 

• Google Analytics: We use Google Analytics to track user activity and understand how you interact with our Site. To learn more about how Google uses data, visit Google’s Privacy Policy and Google’s page on “How Google uses data from sites or apps that use our services.” You may download the Google Analytics Opt-out Browser Add-on for each web browser you use, but this does not prevent the use of other analytics tools. To learn more about Google Analytics cookies, visit Google Analytics Cookie Usage on Websites.
• Pixels – We may use tracking pixels to track user activity on our Site and improve downstream offerings, including interest-based advertising for our services and those of our partners and service providers. Pixel tags (also known as web beacons and clear GIFs) are used in connection with some Site pages and HTML-formatted email messages in order to, among other functions, track the actions of users and email recipients, measure the success of our marketing campaigns, and compile statistics about Site use and response rates.
• Similar third-party services – We may use other third-party services to assist with our Site, including to track user activity, improve our services, and promote our services. 

         
Interest-Based Advertising – We may also allow or enable third parties to collect Personal Information to provide their interest-based advertising on behalf of our products and services, or their own. Interest-based advertising occurs when advertisements are shown to you based on information collected from your online interactions over time and across multiple websites, devices, or online services that you visit or use. Some companies may engage in cross-context behavioral advertising to predict your preferences and show you advertisements that are most likely to be of interest or relevant to you. We do not control these third parties' collection or use of your information for these purposes, or the opt-out options they may individually offer you via their terms, conditions, and privacy policies. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. Examples of the third-party service providers we engage to serve interest-based advertisements include Google Ads (including Google Dynamic Remarketing, DoubleClick and DV360), Meta Ads (including Meta Pixels and Facebook advertising services), LinkedIn marketing solutions (including LinkedIn Ads and Analytics), and Microsoft advertising.
     
Selling or Sharing Personal Information – While we do not sell Personal Information in exchange for monetary consideration, we do share Personal Information for other benefits that could be deemed a “sale” or “sharing” under various data protection laws, because they are sometimes broadly defined to include activities such as the delivery of interest-based advertising on websites or allowing third parties to receive certain information, such as cookies, IP address, and/or browsing behavior. We similarly engage in interest-based advertising when we use data about your activities on our Site to serve you ads on websites owned or controlled by third parties. It is in this context that we have provided advertising networks, data analytics providers, social networks, and video sharing platforms with Personal Information such as your IP address, device information, Internet and other electronic network activity information, and geolocation information.
     
Cookie Choices – To manage your preferences with respect to these technologies, you can:

• Control cookie acceptance through your browser or device setting such that you can receive a notification when a cookie is presented. Users who decline to accept cookies may find that their experience is diminished as certain Site functionality may be reduced or not available. You can remove cookies from your browser by following the directions provided in your Internet browser’s “help” file. You may also decline or disable cookies if your browser permits, but please be aware that doing so may interfere with your use of our Site. These settings may be lost and require reconfiguration if you delete your cookies.
• Block the collection and use of your information by online platforms and ad tech companies for the purpose of serving interest-based advertising by visiting the opt out pages of the self-regulatory programs of which those companies are members: National Advertising Initiative and Digital Advertising Alliance. Please note that even if you opt out of interest-based advertising, you may still see “contextual” ads which are based on the context of what you are looking at on the websites and pages you visit.
• Review and execute any provider-specific instructions to customize your preferences or opt-out of certain processing, including interest-based advertising, by third party service providers. For example, to opt-out of this type of advertising by Google, customize your ad preferences, or limit Google’s collection or use of your data, visit Google’s Safety Center and Google’s Ad Settings and follow Google’s personalized ad opt-out instructions.

 
How Long We Keep Your Personal Information
We retain your Personal Information for as long as needed to: conduct business with you; fulfill the purposes outlined in this Policy; and to comply with our legal obligations, resolve disputes, and enforce or comply with any agreements or contractual obligations. Criteria we will use to determine how long to retain your Personal Information includes: the nature and length of our business relationship with you; our legal rights, obligations, and retention requirements; and if we have an ongoing business purpose for retaining your Personal Information, such as communicating with you about ongoing or prospective Services you requested.
 
Links to Non-Queensborough National Bank & Trust Company Owned Websites
We may provide links to non-Queensborough National Bank & Trust Company websites. For example, we may provide links to credit bureaus or merchants. Selecting a link will yield a message that you are leaving the Bank’s website to visit another party’s website where there may be a different privacy and security policy. The message will allow you to proceed to the linked website and it will allow you to go back to the Bank’s website. If you choose to navigate to websites not controlled by the Bank, we are not responsible for the privacy or security of these sites including the accuracy, completeness, reliability, or accessibility of their information. If you are asked to provide information on one of these sites, we urge you to carefully review their privacy policies before sharing.
 
In some cases, we offer links to social media platforms (like Facebook, Instagram, X (formerly known as Twitter), LinkedIn and YouTube) that enable you to easily connect with us or share information on social media. Any content you post via these social media pages is subject to the terms of use and privacy policies for those platforms.
 
International Use
Our Services are not intended for individuals physically residing outside the United States.
 
How We Protect Personal Information
We have implemented commercially reasonable administrative, technical, and physical security measures in compliance with regulatory guidelines to secure your Personal Information from unauthorized access, use, alteration, disclosure, and destruction. Additionally, we have implemented a vendor due diligence program intended to ensure the security of Personal Information handled by third parties. However, we are not able to guarantee your Personal Information is absolutely secure.
 
Please recognize that protecting your Personal Information is also your responsibility. We encourage the use of encrypted messages for your communication with the Bank, especially if such communications involve financial or other potentially sensitive Personal Information. If you have reason to believe your Personal Information has been compromised or your communication with us is no longer secure, please let us know immediately by contacting us at customerservice@qnbtrust.bank or 1-855-762-8669.
     
Social Security Number Protection Policy
In the normal course of business and as required by law, we may collect Social Security numbers to help establish, maintain, and service customer accounts. We have instituted measures designed to protect the confidentiality of Social Security numbers, to prohibit the unauthorized disclosure of Social Security numbers, and to limit access to Social Security numbers. Consumers can obtain more information by reviewing our Consumer Privacy Notice.
 
Maintenance of Accurate Information
The Bank will maintain procedures to ensure that customer information is accurate, current, and complete in keeping with reasonable commercial standards. The Bank will respond to requests by customers and others to correct inaccurate information in a timely fashion and will follow its regulatory procedures to investigate and correct any inaccuracies.
     
Social Media Presence
We may establish a presence on various social media platforms such as Facebook, Twitter, LinkedIn, YouTube, and Instagram. The Bank’s purpose is to engage with our current and potential customers. We believe that it is important to share over 100 years of banking experience and knowledge to serve and protect our communities. The Bank will frequently post financial literacy, privacy, security, community updates, employee achievements, and outreach projects being conducted throughout the bank’s service areas. 
 
The Bank’s social media sites are not intended to serve as a customer service channel. If you need assistance with an account, to please contact our Customer Care Center at 1-855-QNBTNOW or 1-855-762-8669 or visit a branch office location that is closest to you. If you post a comment on any of our social media sites, we may contact you to assist with any questions or concerns regarding your experience with us. Please keep in mind that these are public sites, so we request that you never post an account number, telephone number, or any other personally identifiable information on a social media site. 
 
The social media sites used by the Bank are owned by third parties and are not affiliated with Queensborough National Bank & Trust Company. Any content you post to a social media site is subject to the terms and conditions and privacy policy of the social media site. For your own protection, we encourage you to review each site’s privacy and security policy prior to using social media. 
 
Children’s Privacy
We do not knowingly collect or solicit any Personal Information from children, as defined under applicable law, without verified written parental consent, and we have no actual knowledge of sharing or selling such Personal Information of minors under thirteen (13) years of age. If we learn that we have collected Personal Information from a child, we will promptly take steps to delete that information. If you believe we might have any information from or about a child, please contact us at customerservice@qnbtrust.bank or 1-855-762-8669. 
 
Online Privacy Policy Revisions
The Bank reserves the right to revise this Policy at any time and without any prior notice. We will post on our public website an updated version of the Policy with a last updated date stated in the Policy but no later than the posting date. Your continued use of the website after the posting of the Policy confirms your acceptance of the revisions. 

Contact Us
If you have questions or concerns about our Online Privacy Policy, please contact us at:
 
Queensborough National Bank & Trust Company
Address: 113 East Broad Street, Louisville, Georgia 30434
Email: customerservice@qnbtrust.bank
Phone: 1-855-762-8669