Online Privacy Notice

Effective: January 15, 2026


At St. Johns Bank, we care about your privacy.

 

St. Johns Bank (“Bank,” “we,” “our,” or “us”) is committed to the responsible use and security of your Personal Information. This (“Online Privacy Statement” or “Statement”) describes how we collect, use, and disclose Personal Information collected by and through our website (“Site”), online banking services, including mobile applications, and other online interfaces or platforms that we own or control (collectively, “Online Services”), and the types of Personal Information we collect from you when you use our Online Services.

“Personal Information” is information that identifies or relates to you as an individual or that, along with other information, could identify you.  Please carefully review this Statement to understand our policies and practices regarding your Personal Information. If you do not agree with our policies and practices, you should not use our Online Services. By accessing or using our Online Services, you consent to the terms of the Online Privacy Statement in effect at the time.

RELATIONSHIP BETWEEN NOTICES

This Statement supplements, but does not supersede, the following:

  • The Terms of Use applicable to www.stjohnsbank.com. Should a conflict arise between the Online Privacy Statement and Terms of Use, the Online Privacy Statement will govern with respect to the matters addressed therein.
  • The Privacy Policy, which explains our practices regarding the collection, use, and sharing of your Personal Information when you obtain a financial product or service for a personal, family, or household purpose. You should read the Online Privacy Statement along with the Privacy Policy. Should a conflict arise between the Online Privacy Statement and Privacy Policy, the Privacy Policy will govern with respect to information that is “nonpublic personal information,” which is information about a consumer relating to a financial product or service that is used primarily for personal, family, or household purposes.
  • The California Consumer Privacy Act Notice, which explains our practices regarding the collection, use, and sharing of information about California residents who are not our customers or who have certain non-personal relationships with us. You should read the Online Privacy Statement along with the California Consumer Privacy Act Notice. Should a conflict arise between the terms of the Online Privacy Statement and the terms of the California Consumer Privacy Act Notice, the terms of the California Consumer Privacy Act Notice will govern with respect to the California residents described above.

INFORMATION COLLECTION

When you use the Online Services, we may collect Personal Information about you. We collect the following types of Personal Information:

  • Information You Provide. We collect identifiers such as your name, address, phone number, email address, Social Security number, and birthdate, when you apply for an account online. We also collect your username, password, passcode, and account information when you use the Online Services. We also collect contact information, such as your name, email address, and phone number, when you complete a “Contact Us” form, email, or message us, register to attend a Bank event, subscribe to Bank newsletters, or enter one of our contests or promotions.
  • Information We Collect Automatically. We use cookies and other automatic data collection technologies as you navigate and interact with our Online Services, to collect information about your equipment and browsing actions, such as your Internet Protocol (“IP”) address, device identifier, your computer/device operating system used to access the Online Services, your browser, and usage data. We also collect information relating to details of your visits to our Online Services, including traffic data, location data, and activity logs. For more information, refer to the Cookies and Other Tracking Technologies section below.
  • Information Collected from Third Parties. We collect information from third parties, such as our service providers who assist us in providing the Online Services, security, fraud prevention, and payment processing.

COOKIES AND OTHER TRACKING TECHNOLOGIES

We use cookies, pixel tags, logs, and similar mechanisms (“Tracking Technologies”) to automatically collect information about your activities on our Site and across third-party websites or other online services.

Cookies are small data files that are stored by a user’s web browser on the user’s hard drive. Cookies can remember what information a user accesses on one website to simplify subsequent interactions with that site by the same user or to use the information to streamline the user’s transactions on related websites. Many cookies we use last only for the duration of your web session and expire when you close your browser (i.e., session cookies). Other cookies last longer and are used to recognize your computer when you return to our website (i.e., persistent cookies). Cookies are designed to make your online experience easier and more personalized.

There are many types of cookies, and they can be distinguished based on their function:

  • Strictly Necessary cookies are necessary for websites to function and cannot be switched off. They are typically set in response to actions taken by you to request services, such as setting your privacy preferences, logging in, or completing forms. We use Strictly Necessary cookies to secure the Site and ensure its stability and performance. You can set your browser to block or alert you about these cookies, but some portions of the Site will not work. These cookies do not store any directly personally identifiable information, such as your name and email address, and do not collect your browsing history. You may not opt out of Strictly Necessary cookies because they are necessary for the Site’s operation.
  • Performance cookies allow websites to count visits and traffic sources to we measure and improve website performance. They help us understand which pages are the most and least active and understand how visitors navigate the Site. The information these cookies collect is aggregated and, therefore, anonymous. We use analytics services to measure Site performance and share data collected by Performance Cookies with our analytics service providers.
  • Functional cookies enable us to offer enhanced functionality and personalization in the Online Services. They may be set by us or by third party providers whose services we have added to our Site. If you block these cookies, some or all of these services may not function properly.
  • Targeting cookies are set on our Site by our advertising partners and their networks as well as social media companies whose platforms we use. Targeting cookies may be used by those companies, and members of their advertising networks, to build profiles of your interests and show you relevant advertisements based on your browsing activity across different websites over time. They do not store personal information such as your name and address but are based on uniquely identifying your browser and Internet device. If you block these cookies, you will experience less targeted advertising.

Cookies can also be categorized by who places them and how long they remain on your computer or device. First party cookies are cookies that are placed by the website you visit. Third-party cookies are placed by a website other than the one you visit. Some third-party cookies may be placed by our service providers, who use them to assist us with Site security or usage and performance analytics, and advertising networks that we participate in, to serve you relevant advertisements based on your interests. 

Session cookies are temporary cookies that are erased when you close your browser. Persistent cookies remain on your computer or device until you manually delete them or until your browser deletes them based upon an expiration date specified in the cookie file.

Most web browsers allow you to block third-party cookies, enable specific cookies, and erase cookies on your device when you close your browser. Your browser may also allow you to block or restrict other Tracking Technologies. If you choose to disable or otherwise block certain cookies and/or other Tracking Technologies, you may experience decreased functionality with or the inability to use our Site.

We and our service providers use Tracking Technologies to:

  • Provide the Online Services to you;
  • Enable us to distinguish between users;
  • Optimize, personalize, and otherwise improve your experience on the Online Services;
  • Provide security for the Online Services;
  • Collect information about visitor use of the Online Services;
  • Improve the performance of the Online Services; and
  • Enable online advertising delivered to you to be more relevant.

THIRD PARTY USE OF TRACKING TECHNOLOGIES
Our social media providers, including Facebook, LinkedIn, and YouTube, may use Tracking Technologies to collect or receive information from websites you visit and other information to provide targeted advertising and performance measurement services. 
 
We do not control third-party Tracking Technologies or their use. If you have any questions about an advertisement or other targeted content, you should directly contact the responsible provider.            

USE OF PERSONAL INFORMATION
We use Personal Information that we collect about you or that you provide to us to improve the Online Services and for our business purposes, including the following:

  • To present the Online Services and their contents to you;
  • To process your online application for our products and services;
  • To respond to your inquiries and requests;
  • To carry out our obligations and enforce our rights arising from any contracts entered between you and us;
  • To notify you about changes to our Online Services or any products or services we offer or provide through them;
  • To process your transactions and payments made through the Online Services;
  • For identity verification and fraud prevention and detection purposes;
  • For our business purposes, such as data analysis, audits, Site enhancements, and identifying usage trends;
  • In any other way we may describe when you provide Personal Information;
  • To contact you about products and services we or we and another financial services institution jointly offer that may be of interest to you; and
  • For any other purpose with your consent.

PERSONAL INFORMATION DISCLOSURE
We may disclose Personal Information that you provide or collected by us:

  • To service providers, contractors, and other third parties who help us provide Online Services and who are bound by contractual obligations to confidentially maintain Personal Information and use it only for the purposes for which we disclose it to them;
  • To fulfill the purpose for which you provide Personal Information (e.g., if you make a payment to someone using online banking, we will transmit information to that person with details about the payment and who the payor is);
  • For any other purpose we disclose when you provide the Personal Information;
  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request;
  • To enforce or apply the Site Terms of Use, the Online Banking Services Agreement, and other agreements that govern the products and services we provide to you;
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Bank, our customers, or others. This includes disclosure of Personal Information for fraud prevention and detection purposes; and
  • With your consent.

CHOICES REGARDING USE AND DISCLOSURE OF PERSONAL INFORMATION
You have choices regarding your Personal Information. You may exercise your choices regarding the use of your Personal Information as described below:

  • Analytics Services. We use Google Analytics to help us better understand how you use our Site and other Online Services. Google Analytics uses cookies to collect information such as how often you visit the Online Services, what pages you visit, and what other websites you visited prior to visiting the Online Services. Google, acting on our behalf, uses this information to evaluate your use of our Online Services and compiles reports on user activity. Google Analytics collects your IP address, mobile device identifier, or similar information assigned on the date you visit the Online Services but does not collect your name. Information collected by Google Analytics is not combined with other Personal Information that we have. To learn more about how Google Analytics collects and processes data and your right to opt out of the collection and use of your data, visit http://www.google.com/policies/privacy/partners/.
  • Tracking Technologies and Advertising. You can opt out of Tracking Technologies by enabling the Global Privacy Control on your browser. Please note you must manage your cookie settings on each device and browser you use to access the Online Services. You may also set your browser to refuse all or some cookies, to alert you when cookies are set, or you can use your browser’s privacy settings to place an ad blocker on your device. You can also opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website. 
  • Social Media Sites.  You can manage Facebook data through the Ad Preferences setting in the Accounts Center in Meta. You can manage LinkedIn data through the Advertising Data settings in the Settings menu.
  • Do Not Track and Other Opt-Out Signals. Some browsers contain a “Do Not Track” feature that, when enabled, informs websites you that you do not want your online activities to be tracked. Because there is not a uniform standard for “Do Not Track” signals, we do not recognize them. We recognize the Global Privacy Control and other universal opt-out mechanisms meeting California requirements.
  • Promotional Email Messages. If you do not wish for us to contact you by email about promotional offers for our products and services or jointly marketed products and services, you can opt out by clicking the opt-out link in the email’s footer. This opt out will not apply to information we send you by email relating to your existing relationship with us.

Please note that, if you opt out of Targeted Interest-Based Advertising, you may still see St. Johns Bank online ads that are not based on your browsing activity across different websites and online channels. For example, we may place an ad for our mortgage products on a website that displays mortgage rates for local banks. This ad placement is determined solely by the content on the website, not by any user’s browsing activity. Likewise, we might also place an ad for savings accounts on our Site that appears after a user has browsed our savings products and transitioned to a different part of the Site. This ad placement is based solely on a user’s activity within our Site and does not consider other website browsing history. 

If you disable certain cookies relating to the Site’s functionality, some parts of the Site may be inaccessible or function improperly. Your browser must be set to accept cookies for Targeted Interest-Based Advertising opt outs to work on your device. If you delete cookies, buy a new device, access the Site from a different device, or change web browsers, you must opt out again.

CHLDRENS’ ONLINE PRIVACY
Our Site and social media pages are not intended for or directed to minors under thirteen (13) years of age. We do not knowingly solicit or collect online Personal Information from individuals under the age of thirteen (13). 

DATA SECURITY
We have implemented commercially reasonable measures designed to secure your Personal Information from unauthorized access, use, alteration, and disclosure. The safety and security of your Personal Information, however, also depends on you. You are responsible for keeping your login credentials used to access Online Services and account information, such as account numbers, confidential.  Please visit our Security Center for additional information about steps you can take to maintain account security.

Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of Personal Information transmitted online. You should not use email to communicate sensitive or confidential information (such as your bank account or Social Security numbers) to us. We are not responsible for any privacy setting or security measure circumvention contained on the Site.

PERSONAL INFORMATION ACCESS AND UPDATING
It is important that you keep your account information accurate and updated. You may access, review, and modify your email address and phone numbers by logging into the Online Services and visiting your Profile page. You may also contact our Call Center at (314) 428-1059 ext. 3025. The Call Center is available Monday through Friday from 8:30 a.m. until 5:00 p.m. Central Time and Saturdays from 9:00 a.m. until 12:00 p.m. Central Time, or visit your local branch to update your address, phone numbers, or email address. We may not accommodate your request to modify information if we believe the modification would violate any law or legal requirement or cause the information to be incorrect.

SOCIAL MEDIA POLICY
The Bank has a social media presence to engage with our current and potential clients. By sharing our knowledge and experience, we strive to build a stronger relationship with our clients and the communities we serve. 

Although we post information about the Bank, our employees, products, and events on our social media pages, our social media pages are NOT intended to serve as a client service channel. If you post a comment on any of our social media pages, we may contact you to address any concerns regarding your experience with us. For your protection, you should never post an account number, phone number, or any other confidential Personal Information on a social media website. 

The social media websites that we participate in are owned by third parties and are not affiliated with us; therefore, your activity and any content you post are governed by each website’s terms of use, privacy, and security policies. We encourage you to read each social media website’s terms of use, privacy, and security policies for your protection.

We may collect Personal Information about you from your interactions with our social media pages for the purposes and uses described in this Statement. If we disclose terms of use on our social media websites, you will also be subject to those terms when you interact with those websites.

We do not tolerate inappropriate comments on our social media pages and reserve the right to remove any posts or comments that we, in our own discretion, deem inappropriate. 

ONLINE PRIVACY STATEMENT CHANGES
We reserve the right to change the Online Privacy Statement, and the privacy practices disclosed therein, at any time. Your continued use of our Online Services after we change the Statement constitutes your acceptance of those changes. You are responsible for periodically visiting our Site and the Online Privacy Statement to check for any changes. If we make material changes to our information practices governed by the Online Privacy Statement, we will notify you by posting a notice on our Site home page or as otherwise provided by applicable law. The Effective Date identified at the top of the page is the date that the Online Privacy Statement was last revised.

ADDITIONAL INFORMATION  
If you have any questions or concerns about this Statement or St. Johns Bank’s privacy policies and practices, please email us at customerservice@stjohnsbank.com or contact our Call Center at (314) 428-1059 ext. 3025.