Nicolet National Bank Mobile Privacy Notice

Last Updated: September 2024

Nicolet National Bank and Nicolet Digital Banking (the "App”) – helps you manage your money, view your transactions and accounts, making it easy to manage your finances on the go.

Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand how we handle user privacy.

The App provides the Services to users on behalf of their financial institution (“Nicolet National Bank”) as a service provider. This Privacy Notice, in combination with relevant privacy notices that Nicolet National Bank provides to you (e.g., pursuant to financial privacy laws), informs you of the policies and practices regarding the collection, use and disclosure of any personal information that the App collects from or about users in connection with our mobile application (the “Services”). The specific capabilities of the Services available to you vary depending on Nicolet National Bank. You can find more information about Nicolet National Bank’s privacy policies and your choices at www.nicoletbank.com website or by contacting Nicolet National Bank.

Depending on the services offered by Nicolet National Bank the App may allow 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
• pay other people
• deposit a check
• manage cards
• locate branches and ATMs
• receive alerts
• communicate with us via email or chat

THE TYPES OF INFORMATION THE APP COLLECTS

The App may collect personal information from you in the following ways:

(a) Personal Information You or Nicolet National Bank Provide to us.

• The App may collect personal information from you or your financial institution, such as your first and last name, address, e-mail, User IDs, telephone number, and social security number when you open a new financial account or register for other financial services. Device images/videos may be accessed when you deposit a check or use a QR code to make peer to peer payments using Zelle or other payments functionality. Device contacts may be accessed when you make peer to peer payments using Zelle or other payments functionality. Device location may be accessed to detect and prevent card transaction fraud, deposit fraud and also to provide branch and atm locations.
• The App may 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 the App via email, the App will collect your name, email address and any other content included in your email messages to us in order to send you a reply.
• The App also collects other types of personal information that you provide voluntarily, such as any information requested by the App if you contact the App via email regarding support for the Services.

(b) Personal Information Collected from Third Parties. The App 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 computers 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, 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.
• Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, the App will collect your location information when you use the Services; for example, to provide our fraud detection services. If you do not want the App to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.
• Location Data. Location Data is collected to provide location-based messages, offers, and interactions both when the app is in use and when it is not in use.

HOW WE USE YOUR INFORMATION COLLECTED IN THE APP

(a) General Use. In general, we use your personal information 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 the following ways:

• facilitate the creation of, 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 and/or push notifications, such as security or support and maintenance advisories

(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 identity theft.

(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 its discretion.

DISCLOSURE OF YOUR PERSONAL INFORMATION
We disclose your personal information as described below.

(a) At the Direction of Nicolet National Bank. We may share your information with third parties at the direction of Nicolet National Bank. Other than as described in this Privacy Notice in connection with the Services, this Privacy Notice does not apply to the processing of your information by Nicolet National Bank or third parties with whom the App shares information at Nicolet National Bank’s direction.
(b) Third Party Service Providers. The App may share your personal information with third party or affiliated service providers that perform services for or on behalf of Nicolet National Bank, for the purposes described in this Privacy Notice, 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) Corporate Restructuring. We may share some or all of your personal information in connection with or during negotiation of any merger, financing, acquisition or dissolution transaction involving the sale, transfer, divestiture, or disclosure of all or a portion of Nicolet National Bank's business or assets. In the event of an insolvency, bankruptcy, or receivership, personal information may also be transferred as a business asset. If Nicolet National Bank company, business or assets are acquired by another company, that company will possess the personal information collected by the App and the company will assume the rights and obligations regarding your personal information as described in this Privacy Notice.
(d) 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 Services may contain links to third party websites. When you click on a link to any other website or location, you will leave the Services 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 the App’s endorsement of such other website or location or its contents. The App has no control over, does not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Notice do not apply to these outside websites. We encourage you to read the privacy notice of every website you visit.

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 communications. There is currently no standard that governs what, if anything, websites should do when they receive these signals. The App currently does not take action in response to these signals. If and when a standard is established, the App 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. To do so, you should contact Nicolet National Bank. For additional requests, please contact Nicolet National Bank on whose behalf the App is providing the Services to you.
(c) Opting Out SMS Communications. If you provide your phone number through the Services, the App 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 could 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 the App collection of location information, you may no longer be able to use some features of the Services.

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.
Federal laws and regulations require that US financial institutions retain original, active and historical records. Your personal and financial data will be retained for a period of five to ten years, depending on applicable laws, regulations, and legitimate business needs.

A NOTE ABOUT CHILDREN
The Services are not directed towards individuals under the age of 18, and the App does not intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to the App and the App learns that the personal information is the information of a child under 18, the App will attempt to delete the information as soon as possible.

PRIVACY NOTICE UPDATES
This Privacy Notice is subject to occasional revision. The App or Nicolet National Bank may notify you, in their sole discretion, of any material changes in the App’s collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Notice will be effective thirty (30) calendar days following notice of the changes on the Services or immediately where no notice is given. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify the App or Nicolet National Bank 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 (or use of the Services after any such changes) shall indicate your acknowledgement of such changes.

CONTACT NICOLET NATIONAL BANK
If you have any questions or complaints about this Privacy Notice or the 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 protected] or by mail at:

Nicolet National Bank
PO Box 23900
Green Bay, WI 54305.