Privacy, Security & Legal Disclosures

Federal Morgan Online Privacy Policy

At Federal Morgan Industrial Bank, safeguarding your personal and financial information is our highest priority. This Online Privacy Notice describes how Federal Morgan Industrial Bank and its subsidiaries collect, use, disclose, and protect personal information obtained through our digital banking platforms, mobile apps, and customer service channels.

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1. Information We Collect

We collect personal and financial information that identifies you or can reasonably be used to identify you:

• Personal Identification Data: Full legal name, date of birth, Social Security number, government-issued photo ID, and tax ID numbers.
• Contact Details: Residential and mailing address, phone number, and verified email address.
• Financial Records: Transaction activity, balances, credit history, loan applications, and investment holdings.
• Technical & Device Data: IP address, device fingerprinting, browser type, operating system, and geolocation for multi-factor fraud detection.

2. How We Protect and Use Your Information

We employ industry-standard 256-bit TLS encryption, biometric login verification, proactive fraud behavioral monitoring, and strict internal access controls to safeguard your financial privacy. We utilize your information exclusively to:

• Process online transactions, bill payments, and wire transfers securely.
• Verify customer identity and prevent unauthorized or suspicious account activity.
• Maintain compliance with federal and state regulatory reporting standards (FDIC, OCC, CFPB).
• Deliver personalized financial advice, alerts, and account servicing communications.

3. Consumer Rights & Choices

You have the right to review, update, or correct your personal data through your online banking dashboard or by contacting our customer care department. You may also adjust your communication preferences and manage marketing consent at any time.