Website Privacy and
Terms & Conditions of Use

Please read these Website Privacy and Terms & Condition of Use Carefully.  By accessing, browsing, or otherwise using the Website, you acknowledge: (1) you have read these Website Privacy and Terms & Conditions of Use and Grand Bank’s Privacy Notice; and (2) you accept and will be bound by these terms and policies, as they may be modified by Grand Bank from time to time. If you do not intend to be legally bound by these terms and policies, please do not use the Website and/or any services offered by the Website. If you visit the Website, you accept these terms and policies. Please read them carefully.

Grand Bank for Savings, FSB and/or its affiliated companies (herein referred to as “Grand Bank”, “we”, “us”, and/or “our”; the terms “we”, “us”, and/or “our” may also refer to contractors and service providers engaged by Grand Bank to support its business activities, as the context may require) own, operate, or control this website and the pages thereof (collectively, the “Website”) in order to provide information about and/or to provide products and services offered by Grand Bank and for other business purposes.  Unless otherwise specified, the material on the Website is provided solely for promoting products and services available in the United States. Grand Bank provides the Website to supply general information about our products and services.

Before using the Website, please carefully read the following Website Privacy and Terms & Condition of Use, as well as our Privacy Notice entitled “WHAT DOES GRAND BANK FOR SAVINGS, FSB DO WITH YOUR PERSONAL INFORMATION?”  A copy of our Privacy Notice can be found here.

Limited Use and General Restrictions
The use of this Website, including all nonpublic personal information obtained or provided through this Website (“Nonpublic Personal Information”), is for informational purposes only and limited only to those persons or entities authorized or otherwise entitled to have it.  Grand Bank provides the Website only for lawful, non-commercial uses by our customers, employees, and members of the general public. As a condition to the use of the Website, you represent to us that: (i) you have the proper authority to use this Website on behalf of yourself, any organization you represent, and/or any other person or entity you represent; and (ii) you will not access, use or disclose, or permit or enable others to access, use or disclose, any information obtained from this Website in any manner that may be unauthorized, unlawful, or beyond the specific purpose for which such information is made available.

Nothing on the Website is to be construed as Grand Bank making any offer to enter into any transaction or relationship with you. The product and/or services descriptions, if any, provided on this Website are not intended to constitute offers to sell or solicitations in connection with any product or service. All products and services are not available in all areas.  Grand Bank recommends you seek independent advice before acting upon any information contained within the Website, which is not designed to provide personal financial advice. You do not acquire any ownership rights to any materials contained within the Website. Grand Bank reserves the right to revoke any of the rights found within these Website Privacy and Terms & Condition of Use, as well as access to the Website, in whole or in part, at any time without prior notice, including, but not limited to, blocking your Internet protocol (“IP”) address.

Copyright and Other Intellectual Property Notices
The “Grand Bank” name, “Grand.bank”, and Grand Bank’s logo, and all other trademarks, service marks, trade names, logos, domain names, URLs and icons (“Marks”) appearing on this Website, registered or not, are the property of Grand Bank or its respective owner(s). Nothing on this Website grants you any right or license to use any of the Marks on this site without the express written permission of Grand Bank or the third-party owners of the Marks. Unauthorized use may violate trademark and other laws.  You may print out unaltered copies of the documents and information provided on the Website for your own personal, non-commercial use. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the copyrighted works displayed or contained on the Website without the express, written consent of Grand Bank.

Information on Website; Information Accuracy; No Warranties
Grand Bank attempts to be as accurate as possible. While we make reasonable efforts to include information that is accurate and timely, we do not warrant that the information and functions contained in this Website will at all times be complete, current, error-free, and/or without interruption or defects. From time to time and without prior notice, the Website may be subject to maintenance, update or repair, and access may be limited or unavailable during such times.

However, we cannot warrant that the information on the Website is 100% accurate, complete, reliable, current, or error-free. We are providing the information on the Website “AS IS” without warranty of any kind, express or implied. It is your responsibility to evaluate the accuracy, reliability, timeliness, and completeness of the information on the Website. By accessing, browsing, or otherwise using the Website, you do so at your sole risk.

To the fullest extent permissible by applicable law, Grand Bank disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. We do not warrant that the Website, its servers, or email sent from Grand Bank are free of viruses or other harmful components.

Indemnification
You agree to indemnify and hold harmless Grand Bank for Savings, FSB and its subsidiaries from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of any information you submit, post to or transmit to us through this Website, your use of the Website, your connection to the Website, your violation of the Website Privacy and Terms & Condition of Use, or your violation of any rights of another user.

Confidentiality of Information and Privacy
Grand Bank has a Privacy Notice entitled “WHAT DOES GRAND BANK FOR SAVINGS, FSB DO WITH YOUR PERSONAL INFORMATION?” A complete copy of the Privacy Notice, which is provided pursuant to the Gramm-Leach-Bliley Act, can be found here. The 2-page document should be read thoroughly and, if printed for your personal, non-commercial use, printed on legal-sized paper to ensure your copy has the proper font and spacing. Protecting the privacy of our visitors and customers is important to Grand Bank. In general, you may visit many pages of the Website without telling who you are or revealing any personal information about yourself. Grand Bank may track the Internet domain address and device ID from which people visit the Website and analyze this data for trends and statistics, but individual users will remain anonymous unless they voluntarily tell who they are.

If you choose to submit an application for credit or open a deposit account online, you will be asked to provide Grand Bank with personal information, including your name, current and prior address information, postal address, telephone number(s), social security number, email address, current and prior employment information, debt and asset information, as well as other information relating to your payment and credit history. Your personal information enables Grand Bank to provide you with the information you have requested, as well as to provide you with information regarding future products and services that may suit your particular needs and/or interests.

When you access www.grand.bank from a computer, mobile phone or other device, we may collect information from that device about your browser type, location, IP address and pages you visit to analyze this data for trends and statistics. If you do not want us to collect such information, you must log off. Continued use of our site shall serve as permission to collect and retain such information. Grand Bank has taken reasonable steps to protect the personal information you provide through the Website, which is transmitted through the Internet. However, use of the Internet brings with it certain risks, which should be acknowledged. Grand Bank uses standard security technology and industry practices to safeguard your personal information from unauthorized and/or improper access.

Limitation of Liability and Disclaimer
Because of the possibility of human and mechanical error as well as other factors, the Website (including all information and materials contained on the Website) is provided “AS IS” and “AS AVAILABLE”.  Grand Bank shall not be held liable in any way for any direct, special, punitive, consequential, or indirect damages or whatever kind arising out of and/or in connection with the Website and/or the use of the Website and/or the use of a linked website, including, but not limited to: the transmission of any viruses, Trojan horses or other harmful code that may affect your equipment; unauthorized access; theft; operator errors; or any force Majeure.

When you visit the Website or send emails to Grand Bank, you are communicating with us electronically and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically via email or by posting notices on the Website satisfy any legal requirement that such communications be in writing.

Third-Party Hosting and Site Technologies
Grand Bank contracts with a third party (or third parties) to maintain and host the Website. Therefore, any information you submit, including personal information, may be placed and stored on a computer server maintained by the third-party host. The third party has agreed to implement technology and security features and strict policy guidelines to safeguard the privacy of your personal information from unauthorized access or improper use. Grand Bank does not provide the technologies used to build the Website, and therefore, neither recommends nor endorses the same. Any information regarding identifiable technologies, including their capabilities, limitations, and applications, should be sought directly from their manufacturers. Grand Bank hereby disclaims any rights to trademarks, service marks, trade names, logos, copyrights, patents, domain names, or other intellectual property interests of third parties.  This Website Privacy and Terms & Condition of Use does not apply to such third-party content or sites.  Users are encouraged to make themselves aware of applicable privacy laws and policies before they submit personal information to third-party websites.

Links
This Website may contain hyperlinks to third party websites that are not under the control of Grand Bank.  Grand Bank is not responsible for any content in any advertisement or hyperlink on this Website or for any content in any hyperlinked website. Sites linked to and from the Website are not necessarily under the control of Grand Bank, and Grand Bank shall have no responsibility or liability for any loss or damage whatsoever for the use of a third-party link, the content or privacy practices of any linked sites, or any link or linking program at any time.  If you access a third-party website from this Website, then you do so at your own risk. A hyperlink to a third-party website does not imply that Grand Bank endorses the content on or the business of the hyperlinked website. You are solely responsible for determining the integrity and reliability of the information in the advertisement or hyperlink on this Website as well as the information on the hyperlinked website.  Grand Bank provides hyperlinks only as a convenience.

Children
Grand Bank does not knowingly solicit, market to, or collect personal information from children under the age of 18.  Additionally, Grand Bank does not knowingly collect, use, sell, or disclose personal information from children under the age of 18. Children under the age of 18 are not eligible to use the Website unsupervised, and we ask that children do not submit any personal information to Grand Bank. If you are under the age of 18, you may only use the Website in conjunction with, and under the supervision of, your parents or guardians.

Notice of Right to Amend and/or Revise
Grand Bank may from time to time amend and/or revise these Website Privacy and Terms & Condition of Use and the Privacy Notice. By using the Website, you agree to be bound by any such amendments and/or revisions. The user’s continued use of the Website after any modification to the Website Privacy and Terms & Condition of Use and/or Privacy Notice will constitute the user’s acceptance of the new terms. You should, therefore, periodically visit these terms and policies to make sure you have the most current versions of each. IF THE USER DOES NOT AGREE TO FUTURE CHANGES TO THIS WEBSITE PRIVACY AND TERMS & CONDITIONS OF USE AND/OR OUR PRIVACY NOTICE, THE USER MUST STOP USING THE SITE AFTER THE EFFECTIVE DATE OF SUCH CHANGES.

Cookies
When you access www.grand.bank from a computer, mobile phone or other device, we may collect information from that device about your browser type, location, IP address and pages you visit to analyze this data for trends and statistics. If you do not want us to collect such information, you must log off. Continued use of our site shall serve as permission to collect and retain such information. The Website uses cookie technology to improve the quality of your experience. A cookie is a small file that contains information sent by a web site that is saved on your hard disk by your computer’s browser. Cookies store information that a web site may need in order to personalize your experience and gather web site statistical data. Some consumers may not know that cookies are being placed on their computers when they visit web sites. If you want to know when this happens, or to prevent it from happening, you can set your browser to advise you when a web site attempts to place a cookie on your computer. Additionally, you can accept, decline or remove cookies, at any time, by modifying your browser settings. Please see the “help” section of your browser or read more about cookies at http://cookiecentral.com.

Disabling Cookies
Web browsers allow you to exercise some control over cookies through the browser settings. Most browsers enable you to block cookies entirely or to block cookies from particular sites. You may choose to turn off non-essential cookies and allow only Strictly Necessary Cookies by using the “cookie settings” link and toggling “off” Performance/Functional/Marketing Cookies.

Browsers can also be set to delete cookies when you close your browser. You should note, however, that this may mean that any opt-outs or preferences you set on the Website will be lost when the cookies are deleted.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org, which includes information on how to manage your settings for the major browser providers.

California Residents and California Privacy Rights
As a California resident, the California Consumer Privacy Act (“CCPA”), as replaced by the California Privacy Rights Act (“CPRA”), affords you specific rights regarding your personal information and requires us to provide you certain consumers privacy rights as set forth in the law.  The CPRA defines “personal information” as information that identifies, relates to, describes, or is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.

Grand Bank does not share or sell personal information and has not done so within the last 12 months.  We do not use or disclose sensitive personal information except as permitted by law.

Certain information that we collect may be exempt from the CCPA because it is considered public information or covered by financial privacy laws, such as the Gramm-Leach Bliley Act, the California Financial Information Privacy Act, the Health Insurance Portability and Accountability Act, or the Fair Credit Reporting Act, or may be exempt for other legitimate business purposes.

To the extent that we collect “personal information” that is subject to the CCPA, that information, Grand Bank’s practices, and your rights to exercise them with us are described below.

Right to Know and Access Information
You have the right to request, at no charge:

  • The categories of personal information Grand Bank has collected about you.
    • Categories of personal information include: identifiers; personal information categories listed in the California Customer Records statute (Cal. Civ. Code Section 1798.80(e)); protected classification characteristics under California or federal law; commercial information; biometric information; internet or other similar network activity; geolocation data; sensory data; professional or employment-related information; non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)); and inferences drawn from other personal information.
    • For visitors who have ad personalization turned on in their browser(s), Grand Bank currently may collect: demographic information and interest information, such as age, gender, and interests; cross-device activity to better understand the customer journey across devices (including the browser used); user ID and device ID, which helps with marketing.
  • The sources from which personal information is collected.
  • The business or commercial purpose for collecting or selling your personal information.
  • The categories of third parties with whom we have shared your personal information.
  • The specific pieces of personal information we have collected about you.

Right to Delete Information

You may request that we delete any personal information about you that we have collected from you. Please note, there are exceptions under the CCPA where we may retain information, as required, or permitted by law.

Right to Non-Discrimination
We will not discriminate against you because you exercise any of the rights as described in the CCPA.

Right to Correct Information
You have the right to request correction of your personal information if you believe it is inaccurate.

Exclusions
The CCPA does not apply to personal information covered by certain sector-specific privacy laws, including the Gramm-Leach-Bliley Act (GLBA), which pertains to personal information collected about California residents who obtain financial products or services for personal, family, or household purposes. The specific Personally Identifiable Information that we collect, use, and disclose relating to a California resident covered by the CCPA is subject to GLBA. Therefore, CCPA is not applicable with respect to information that we collect about California residents who apply for or obtain our deposit products and services for personal, family, or household purposes.

How to Exercise Your Rights
Submitting Requests, You can exercise any of your rights by:

  • Contacting us at privacycompliance@grand.bank.
  • You may also submit a CCPA request by providing your first name, last name, email address, telephone number, and ZIP code in writing to us at: Grand Bank for Savings, FSB, Attn: Office of the General Counsel, P.O. Box 16988, Hattiesburg, MS 39404.
  • You may also designate an agent by mailing a signed Power of Attorney to us at: Grand Bank for Savings, FSB, Attn: Office of the General Counsel, P.O. Box 16988, Hattiesburg, MS 39404

Verification Process
We will verify your identity using information you provide and match it against information already held by us. For requests pertaining to specific pieces of personal information, additional verification steps may be required.

Response Time
For verifiable consumer requests, we will acknowledge receipt of your request as required by applicable law, as well as inform you of the timeline to complete the request. If the request is to opt-out, we will respond no later than 15 business days after receipt of your verified request.  We aim to fulfill verified requests within 45 calendar days of receipt. If we reasonably require more time (up to an additional 45 calendar days), we will inform you of the reason and extension period in writing.

If you have any questions or concerns regarding our privacy practices or the CCPA, please contact us at privacycompliance@grand.bank or write us at: Grand Bank for Savings, FSB, P.O. Box 16988, Hattiesburg, MS 39404.

Choice of Law; Waiver and Severability
The access and use of the Website and these terms and policies are to be governed by and construed under the laws of the State of Mississippi. Litigation arising out of and/or relating to this Website, including issues of privacy, shall be commenced and maintained solely and exclusively in the state and federal courts sitting in Forrest County, Mississippi or the Southern District of Mississippi. If any part of these Website Privacy and Terms & Condition of Use are determined to be invalid or unenforceable, the remainder will stay in effect. Grand Bank will not be deemed to have waived any rights or remedies unless such waiver is in writing and signed by Grand Bank. No delay or omission on Grand Bank’s part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on one (1) occasion shall not be interpreted as a bar or waiver of any rights or remedies on any future occasion(s).  These Website Privacy and Terms & Condition of Use shall be subject to any other agreements you have entered into with Grand Bank.

Contact
If you have any questions regarding the above or would like to notify us for any reason related to this Website Privacy and Terms & Condition of Use and its Privacy Notice, please contact us at privacycompliance@grand.bank or write to us at: Grand Bank for Savings, FSB, P.O. Box 16988, Hattiesburg, MS 39404.

Rev. Date 2024.05.29

Products are offered by Grand Bank for Savings, FSB. 

Member FDIC. Equal Credit Opportunity Lender. Equal Housing Lender.

“Grand.bank,” “Grand Bank,” and the Grand.bank logo are trademarks of Grand Bank for Savings, FSB.

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Please Note

You are leaving Grand Bank for Savings, fsb. By clicking OK, you will be taken to a website that is not affiliated with Grand Bank for Savings, fsb. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Grand Bank for Savings’ website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Grand Bank for Savings, fsb.

Please Note

You are leaving Grand Bank for Savings, fsb. By clicking OK, you will be taken to a website that is not affiliated with Grand Bank for Savings, fsb. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Grand Bank for Savings’ website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Grand Bank for Savings, fsb.

Please Note

You are leaving Grand Bank for Savings, fsb. By clicking OK, you will be taken to a website that is not affiliated with Grand Bank for Savings, fsb. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Grand Bank for Savings’ website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Grand Bank for Savings, fsb.

Please Note

You are leaving Grand Bank for Savings, fsb. By clicking OK, you will be taken to a website that is not affiliated with Grand Bank for Savings, fsb. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Grand Bank for Savings’ website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Grand Bank for Savings, fsb.

Please Note

You are leaving Grand Bank for Savings, fsb. By clicking OK, you will be taken to a website that is not affiliated with Grand Bank for Savings, fsb. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Grand Bank for Savings’ website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Grand Bank for Savings, fsb.

Please Note

You are leaving Grand Bank for Savings, fsb. By clicking OK, you will be taken to a website that is not affiliated with Grand Bank for Savings, fsb. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Grand Bank for Savings’ website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Grand Bank for Savings, fsb.

Warning!

You are leaving Grand Bank for Savings, fsb. By clicking OK, you will be taken to a website that is not affiliated with Grand Bank for Savings, fsb. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Grand Bank for Savings’ website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Grand Bank for Savings, fsb.

Please Note

You are leaving Grand Bank for Savings, fsb. By clicking OK, you will be taken to a website that is not affiliated with Grand Bank for Savings, fsb. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Grand Bank for Savings’ website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Grand Bank for Savings, fsb.