Cavity Financial Corporation CONSUMER PRIVACY POLICY

Updated June 2024 

Introduction

Your privacy is very important to us. This Online Privacy Policy describes how Cavity Financial Corporation (“FFC”) and its affiliates and subsidiaries collect, use, and in certain cases, share your Personal Information when you visit us online or on our mobile or tablet applications (collectively, the “Sites”).  By accessing or using any of our Sites, you agree to the practices regarding your personal information described in this Online Privacy Policy. 

As you review this Online Privacy Policy, keep in mind:

• If you have obtained a financial product from us for personal, family, or household purposes, we will use and share any information that we collect from or about you in accordance with our Consumer Privacy Notice. Federal and state laws give consumers the right to limit some but not all sharing. You may opt out of information sharing by submitting the online Information Privacy Opt-out form. 
• We provide other online tools and platforms not covered by this Online Privacy Policy. If you visit or access your accounts from one of these sites, please review the privacy notice of that site to understand how your information may be collected, used, or shared. 
• If you have questions after reviewing our Online Privacy Policy, please read our Frequently Asked Questions about Privacy Notices.
• If you are a California resident, please see our Privacy Notice for California Residents. 

About Us

FFC is a financial holding company headquartered in Lancaster, Pennsylvania. We are engaged, through our bank and non-bank subsidiaries, in the business of providing financial products and services to customers located primarily in Pennsylvania, New Jersey, Maryland, Delaware, and Virginia and this website is offered as a convenience for individuals and entities based in the United States. FFC's bank subsidiaries are Cavity Bank, N.A. (which operates as the following: Cavity Financial Advisors, Cavity Leasing Company, Cavity Private Bank, and Cavity Mortgage Company) and Prudential Bank. FFC's non-bank subsidiaries include: Cavity Insurance Services Group, Inc. The term "affiliates" refers to companies related to FFC by common ownership or control, including our bank and non-bank subsidiaries listed above. The terms "we," "our" and "us" refer to each and all of FFC and its affiliates. The terms "you" and "your" refer to individuals accessing any Site.

Changes to this Online Privacy Policy

This Online Privacy Policy is subject to change. Please review it periodically. When we make changes to our Online Privacy Policy, we will revise the “Last Updated” date at the top of this Online Privacy Policy. Any changes to the Online Privacy Policy will become effective when we post the revised notice on our website. By continuing to access or use any of our Sites after the changes go into effect, you agree to the practices regarding your personal information described in the updated Online Privacy Policy.  

Information Collection and Use

Types of Information We Collect: 

Personal Information
We use the term “Personal Information” to describe information that can be associated with you and can be used to identify you.  Personal Information does not include information we collect that does not or cannot be reasonably used to identify you personally.  

When you visit any of our Sites, we may collect Personal Information from you such as your name, postal address, email address, telephone number, Social Security number, location data, if enabled on your device(s), biometric information such as voice recordings, or date of birth, as well as any other information you provide to us through our forms, surveys, applications, or similar online fields in connection with providing services to you.

Automatic Information
In addition to the Personal Information described above, we may collect Automatic Information about your use of our Sites.  The term “Automatic Information” means information about your Internet browser, Internet Protocol (IP) address, the type and version of your Internet browser software, information collected through tracking technologies such as cookies, or information about the device you are using.  

Ways We Collect Information:

• You provide information to FFC. We collect personal information that you provide to us through use of our forms, surveys, applications, or similar online fields, in connection with providing services to you. 
• We obtain information from others. We obtain anonymous information from third parties to customize your online experience. 
• We gather information online. We use tools, including cookies, to gather information for internal use including Site analytics and to personalize your Site experience. 
  
  Our affiliates do not automatically collect Personal Information from visitors to affiliate Sites.  In addition, when you use our Sites, we will not permit unaffiliated third parties to collect Personal Information about you.

Use of the Information We Collect:

Personal Information we collect is used to provide you with a tailored online experience.  We use it to help determine your financial interests and needs to recommend relevant products and services.  This information is also used to authenticate your identity, process your transactions, prevent fraud, and to qualify you for products and services you request. Our mobile banking application collects location data when you request certain services that require such access, for example locating an ATM or financial center, and to enable debit card transaction enrichment and location controls when requested even when the application is closed or not in use.  We may also use and share your Automatic Information as described in this Online Privacy Policy and/or for any other purpose subject to applicable law.

Our affiliates use online tracking technologies (cookies and click stream auditing) in order to:

• Improve our Sites;
• Identify and address problems;
• Analyze web traffic trends;
• Monitor and maintain information about site visits; or
• Protect the security and integrity of our Sites.

We may also use the information we collect online:

• to respond to your inquiries and fulfill your requests;
• to send administrative information to you, such as information regarding the Site and changes to our terms, conditions, policies or products and services;
• to deliver marketing communications that we believe may be of interest to you, including ads or offers tailored to you;
• to verify your identity and/or location (or the identity or location of your representative or agent) 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 personalize your experience on the Site;
• to allow you to apply for products or services (e.g., to prequalify for a mortgage, apply for a credit card, or to open a retirement account investment account or other financial product) and evaluate your eligibility for such products or services;
• 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;
• for 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;
• for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements; or
• 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.
• to share with trusted third parties who are contractually obligated to keep such information confidential and to use it only to deliver the products and the services requested by our consumers. (For a description of how we may share information collected from consumers who have applied for or obtained a consumer product or service from us, please refer to our Consumer Privacy Notice).

Understanding Cookies and Other Tracking Technologies

Cookies and Click Stream Auditing:

Cookies are small pieces of information that a website stores on a visitor's web browser.  Our affiliates do not store confidential or sensitive information in cookies.

Cookies are used within the online banking login process to identify a user's computer to better enhance security. If a cookie is not on the computer or the user changes computers, the user will be asked to re-authenticate. This process helps add an additional level of security for our customers.

Cookies cannot be used to capture your e-mail address, obtain data from your hard drive, or gain confidential or sensitive information about you. Additionally, cookies cannot be read by a website other than the one that set the cookie. Some websites, however, use cookies to obtain information from your browser. You can set your browser to notify you before accepting a cookie, so that you can control whether you accept or reject a cookie. If you do not accept cookies, your experience at our Sites may be impacted.

Click stream auditing is the process of collecting and analyzing information such as a web user’s IP address, web pages which referred a web surfer to our website, date and time, domain type, and when a web surfer has responded to an advertisement.

Pixel Tags and Advertising:

We may also use a technology called pixel tags (also known as "clear gifs," "Web beacons" or "1-by-1gifs") on our Sites. These may be used in connection with certain pages of our Sites or with email messages to measure the effectiveness of our communications and our marketing campaigns, to compile statistics about usage and response rates, and to assist us in resolving issues that may arise on our sites.

We use third party advertising and media companies to serve ads on our behalf across the internet and to help manage and optimize our internet business and communications. These networks use both cookie and pixel tag technology to measure the effectiveness of ads for their clients, none of which contain Personal Information, during your visits to this and other websites in order to provide information about goods and services that may be of particular interest to you. We limit these networks from using the information collected by these cookies and pixel tags for any purpose other than to assist us in our advertising efforts. From time to time, we may also share Automatic Information with such third party companies in an aggregate form, for purposes of analysis and improvement of our website. At no time is any personal information passed to these third parties.

The Sites do not respond to web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer's online activities over time and across third-party websites or online services.

Making Sure Your Information is Accurate and Individual Rights

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate, or not current, please visit your branch or contact us at Customer Service at 1.305.449.9860.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws. We may ask you to verify your identity in order to help us respond effectively to your request. Requests should be directed to privacy@fult.com or 305.449.9860.

Personal Information on Children

We respect the privacy of children and encourage all parents to supervise their children’s computer usage.  We do not intend to invite children to visit FFC Sites and online services, and we do not knowingly collect or retain personal information from children under the age of thirteen years (13).  For more information on the Children’s Online Privacy Protection Act ("COPPA"), please visit the Federal Trade Commission website at www.ftc.gov.

Social Media

FFC maintains information about our products and services on social media sites including but not limited to, LinkedIn, Facebook, Twitter, and You Tube. When you post information on our social media pages it will be subject to the privacy and security policies of the respective social media site. Please refer to them to better understand your rights and obligations when posting information.  Please keep in mind that any information you share could be visible to all participants on these social media sites and you should never post any sensitive personal information (such as account number or tax identification).

Security

We take our responsibility to protect your Personal Information very seriously. To protect Personal Information from unauthorized access and use, we apply administrative, technical, and physical security measures that comply with applicable federal and state laws.