Effective as of January 1, 2020
Last updated December 29, 2022
First PREMIER Bank (“PREMIER,” “we,” “our,” or “us”) respects the privacy of your information. This Privacy Statement is designed to assist you in understanding how we collect, use, share, and safeguard your information. This Privacy Statement applies to individuals who access our websites (the “Sites”), the services provided through our Sites and the mobile application we offer (collectively, “Services”).
If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.
From time to time, we may change this Privacy Statement. If we do, we will post an amended version on this webpage. Please review this Privacy Statement periodically.
This Privacy Statement covers the following topics:
We collect Personally Identifiable Information from you through your use of the Sites and Services. “Personally Identifiable Information” is individually identifiable information about an individual consumer that we collect online and that we maintain in an accessible form. We collect the following types of Personally Identifiable Information:
We may collect the following Personally Identifiable Information that you voluntarily provide to us in using our Sites and Services:
We automatically collect certain Personally Identifiable Information through your use of our Sites and Services, such as the following:
We may receive certain Personally Identifiable Information from you about a third party. For example, as part of applying for an account, you may provide the name, date of birth, and address of a third party. If you submit any Personally Identifiable Information about another individual to us, you are responsible for making sure you have the authority to do so and to allow us to use their Personally Identifiable Information in accordance with this Privacy Statement.
We use the Personally Identifiable Information we collect to provide the Services to you, to improve our Sites and Services, and to protect our legal rights. In addition, we may use the Personally Identifiable Information we collect to:
We do not disclose your Social Security number, credit card or banking information to third parties not assisting us with supplying your request for products or Services without your authorization. However, we may share the Personally Identifiable Information that we collect about you in the following ways:
Where appropriate, we will limit sharing of your information in accordance with the choices you have provided us in response to our Privacy Notice.
Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, our Sites do not currently interpret, respond to or alter its practices when it receives “Do Not Track” signals.
If the email address you provide to us is a wireless email address, you agree to receive commercial messages at such address from us, our vendors or advertisers (unless and until you have elected not to receive such commercial messages by following the instructions in the unsubscribe portion of this Statement). You understand that your wireless carrier’s standard rates apply to these messages. You represent that you are the owner, or authorized user of the wireless device on which messages will be received, and you are authorized to approve the applicable charges.
We endeavor to safeguard and protect your information. When you submit information on our Sites, such information is protected both online and offline. We have security measures in place to protect against the loss, misuse, and alteration of Personally Identifiable Information under our control. Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our Sites or Services is at your own risk. However, access to your information is strictly limited and not accessible to the public.
The Sites may contain links that will let you leave the Sites and access another website. Linked websites are not under our control. Except as stated below, this Privacy Statement applies solely to Personally Identifiable Information that is acquired on the Sites. We accept no responsibility or liability for these other websites.
The Site and Services are not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal information from children under 13.
The California Consumer Privacy Act, as amended by the California Privacy Rights Act of 2020 (CCPA) requires that we provide California residents with a privacy statement that contains a comprehensive description of our online and offline practices regarding the collection, use, disclosure, sale, sharing, and retention of personal information and of the rights of California residents regarding their personal information. This section of the Privacy Statement is intended solely for, and is applicable only as to, California residents. If you are not a California resident, this section does not apply to you and you should not rely on it.
The CCPA defines “personal information” to mean information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Personal information does not include information that is publicly available, deidentified or aggregated information or lawfully obtained, truthful information that is a matter of public concern. For purposes of this "Notice to California Residents" section we will refer to this information as “Personal Information.”
The CCPA’s privacy rights described below do not apply to Personal Information that we collect, process, sell, or disclose subject to the federal Gramm-Leach-Bliley Act and its implementing regulations or the California Financial Information Privacy Act. Because we are subject to those laws and regulations, much of the Personal Information that we collect is exempt from the CCPA. Your choices and rights with respect to our use and sharing of that information are subject to our Privacy Notice.
The CCPA’s privacy-related rights also do not apply to certain types of Personal Information that is subject to the federal Fair Credit Reporting Act (FCRA). Some of our services are subject to the FCRA and, therefore, exempt from the CCPA on that basis.
We currently collect and, in the 12 months prior to the Last updated date of this Privacy Statement, have collected the following categories of Personal Information:
We collect Personal Information directly from California residents and service providers. We do not collect all categories of Personal Information from each source.
In addition to the purposes stated above in the section “COLLECTING AND USING INFORMATION” we collected the above Personal Information for the following business or commercial purposes:
The following is a list of categories of Personal Information that we disclosed for a business purpose in the 12 months preceding the Last updated date of this Privacy Statement and, for each category, the categories of recipients to whom we disclosed Personal Information.
We disclosed Personal Information for the following business or commercial purposes:
We have not sold or shared Personal Information in the 12 months preceding the Last updated date of this Privacy Statement. We do not knowingly collect, sell, or share the Personal Information of minors under 16 years of age. We do not use Sensitive Personal information for purposes other than those the CCPA and its regulations allow for.
We retain your Personal Information for as long as necessary to fulfill the purposes for which we collect it, such as to provide you with the service you have requested, and for the purpose of satisfying any legal, accounting, contractual, or reporting requirements that apply to us.
If you are a California resident, you have the following rights with respect to your Personal Information:
CREDIT CARD: If you have a First PREMIER Bank credit card or provided personal information in relation to a First PREMIER Bank credit card, please submit your request through our interactive webform available at https://www.connect.mypremiercreditcard.com/Home/CCPA or by calling us at 1-877-635-2568.
OTHER BANKING RELATIONSHIPS: If you have provided personal information in relation to any First PREMIER Bank account other than a credit card account, such as a checking, savings, loan, mortgage or trust account, please submit your request through our interactive webform available at https://www.firstpremier.com/ccpa or by calling us at 1-800-501-7547.
If you submit a request to delete online, you may be asked to confirm separately that you want your Personal Information deleted.
If you have both a credit card and a non-credit card relationship with First PREMIER Bank, please submit your request to know for each relationship separately as described above.
As mentioned above, if you are a California resident who has a financial product or service with us, much of the Personal Information that we collect is exempt from the CCPA and, therefore, is not subject to the rights discussed in this “Notice to California Residents” section. Your choices and rights with respect to our use and sharing of that information are subject to our Privacy Notice.
If you are submitting a request on behalf of a California resident, please submit the request through one of the designated methods discussed above. After submitting the request, and if the request is not subject to an exemption or exception, we will require additional information to verify your authority to act on behalf of the California resident.
If we determine that your request is subject to an exemption, we will notify you of our determination. If we determine that your request is not subject to an exemption, we will comply with your request upon verification of your identity and, to the extent applicable, the identity of the California resident on whose behalf you are making such request. Our verification process may differ depending on whether you maintain a password-protected account with us.
If you maintain a password-protected account, we may verify your identity through existing authentication practices available through your account. Prior to disclosing the requested information, we will ask you to re-authenticate yourself with respect to that account.
If you do not maintain a password-protected account, or if you are an account holder but we suspect fraudulent or malicious activity with your account, we will verify your identity either to a “reasonable degree of certainty” or a “reasonably high degree of certainty” depending on the sensitivity of the Personal Information and the risk of harm to you by unauthorized disclosure, deletion, or correction as applicable.
For requests to access categories of Personal Information and for requests to delete or correct Personal Information that is not sensitive and does not pose a risk of harm by unauthorized deletion or correction, we will verify your identity to a “reasonable degree of certainty” by verifying at least two data points that you previously provided to us and which we have determined to be reliable for the purpose of verifying identities.
For requests to access specific pieces of Personal Information or for requests to delete or correct Personal Information that is sensitive and poses a risk of harm by unauthorized deletion or correction, we will verify your identity to a “reasonably high degree of certainty” by verifying at least three pieces of Personal Information you previously provided to us and which we have determined to be reliable for the purpose of verifying identities. In addition, you must submit a signed declaration under penalty of perjury stating that you are the individual whose Personal Information is being requested.
If you are a California resident, you have the right to direct businesses to stop selling or sharing your Personal Information. We do not sell or share Personal Information as it is defined in the CCPA.
We are committed to ensuring this Privacy Statement is accessible to individuals with disabilities. If you wish to access this Privacy Statement in an alternative format, please contact us as described below.
To contact us for questions or concerns about our privacy policies or practices please contact us via any of the following methods:
First PREMIER Bank
500 S. Minnesota Avenue
Sioux Falls, SD 57104
By phone: 1-800-501-7547
By email: email@example.com