Security and Privacy

We Care About Your Privacy and Security

Download the First Liberty Bank Privacy Notice (PDF).

Patriot Act

Important Information about Procedures for Opening a New Account:

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:

When you open an account, we will ask for your name, address, date of birth, tax ID number, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Mobile

PERMISSIONS

FUNCTION

EXAMPLE
CAMERA Allows access to the device's camera Mobile Remote Deposit
LOCATION Allows access to location Maps
ACCESS TO EXTERNAL STORAGE Allows access to files/media on the device Secure Message Attachments
CONTACTS Allows access to contacts on the device Person to Person Payments Recipient List
AUDIO Allows access to the device's microphone Chat
PHONE STATE* Allows access to information about the user's device for device identification Malware/Anti-Phishing for Easy Solutions Integration
IMAGES Allows for the transmission of images Mobile Remote Deposit

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available for review. The data show the geographic distribution of loans and applications, race, gender, the income of applicants and borrowers, and information about loan approvals and denials.

Inquire at your local branch regarding the locations where HMDA data may be inspected.

Website Terms of Use

Before Using This Website, Please Read These Terms and Conditions Carefully.

We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this website or any pages therein.

Illegal Use

Unauthorized use of First Liberty Bank’s website and systems including but not limited to unauthorized entry into our Internet banking system, internal network, misuse of passwords, or misuse of any information posted on our website is strictly prohibited.

Website Content

Any and all information, materials, product offerings, services, terms, and conditions are subject to change without notice.

Not all products and services advertised on this website are available in all geographic areas. We reserve the right to determine your eligibility for any product or service.

This website is not directed to children, although we may periodically advertise special accounts that may be appropriate for children. Parents of children interested in any of our online services should contact us.

Linked 3rd Party Sites

First Liberty Bank maintains this website to provide you with information about our products and services. For your convenience, we may also provide links to various third parties websites that may be of interest to you. First Liberty Bank does not control linked third party sites. When you click on links to third party sites, you will leave our website and will be redirected to another site. Linking to other third party sites is at your own risk. The content on linked sites may change without notice.

We Make No Representation or Warranty Regarding the Accuracy of the Information Contained in Linked Third Party Sites.

We suggest that you always verify the information obtained from linked sites before acting upon this information. First Liberty Bank is not an agent for linked third parties nor do we endorse or guarantee their products and services. The products and services offered by linked third parties are not products of First Liberty Bank and are not insured by any governmental agency such as the FDIC.

Also, please be aware that the security and privacy policies on linked sites may be different from our policies, so please read third party privacy and security policies closely. If you have any questions or concerns about the products and services offered on linked third party sites, please contact the third party directly.

No Warranties

Any dated information on this site is "As Of" its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information, DATED OR OTHERWISE, AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS.

All information, materials AND services contained in this site, including graphics, links, AND ANY other items are provided "AS IS", "AS AVAILABLE" to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property, fitness for any particular purpose, AND FREEDOM FROM COMPUTER VIRUS.

Limitation of Liability

First Liberty Bank will under no circumstances be liable to you and/or any third party for any damages including without limitation direct or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if First Liberty Bank has been advised of the possibility of such damages.

FURTHERMORE, First Liberty Bank will not be liable for any difficulty in use, or for the incompatibility between this website and YOUR WEB BROWSER OR OTHER site accessing program. First Liberty Bank WILL ALSO NOT be liable for any other problems you experience due to causes beyond our control. No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and First Liberty Bank.

Governing Law - This agreement shall be governed by and construed in accordance with federal statutes and the laws of the State of Oklahoma.

This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Additional Terms

Certain services or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those services or pages.

Security

Beware of Phishing Attempts and Internet Scams

While email is convenient and has a good business use, it can also be misused by criminals for scams and various other fraudulent purposes. "Phishing emails" are frequently used by criminals to entice the recipient to visit a fraudulent website where they try to convince the recipient to provide personal information, such as ATM card numbers, account numbers, Social Security numbers, access IDs, and passwords. Some of these fraudulent websites may also be virus laden and can be used to download malware to your computer. Fraudulent websites often look identical to a legitimate site, so it's important to look very closely at the website address.

Below we have listed a few tips to help protect your personal information on the Internet:

  • Always be wary of links in emails, especially any links in emails purporting to be from this Institution.
  • Please remember that if we send you an email, we will never ask for personal information such as your account number, ATM card number, PIN number, or social security number.
  • Bookmark financial websites and use these bookmarks every time you visit the website.
  • Whenever you enter personal information like your Login ID or password, always look for the lock symbol, or https: in the address bar. Always click on the lock symbol and review the certificate details.
  • Update your Internet browser! Most browsers now offer free anti-phishing tool bars that can help alert you of fraudulent websites.
  • If you send us an email, please do not include any confidential, personal or sensitive information in the email message, as email messages are generally not secure. We do offer secure messaging through our Internet Banking product and you may use this secure messaging feature if you need to send us sensitive or confidential information.
  • Make sure that your computer always has up-to-date versions of both anti-spyware and anti-virus software.
  • If you receive an e-mail that you think could be a scam, delete it immediately or forward the email to [email protected].
  • If you have any questions about the legitimacy of an email, especially an email from this Institution, please call us at 405-608-4500.

Internet Privacy Policy

This website, www.myfirstliberty.com is operated by First Liberty Bank. This Privacy Policy applies only to the website www.myfirstliberty.com and the pages contained on it.

This Privacy Policy applies to the personal information collected from this website.  It does not apply to personal information that First Liberty Bank may collect offline.

This website may contain links to other websites that are not maintained or related to First Liberty Bank or any First Liberty Bank entity. These links are provided as a service to users; they are not sponsored by or affiliated with this website or any First Liberty Bank entity. First Liberty Bank has not reviewed any or all of the sites hyperlinked to or from this website and is not responsible for the content or privacy practices of other websites. These links are accessed at the user’s own risk, and First Liberty Bank entities make no representations or warranties about the content, completeness, or accuracy of these hyperlinked sites. Websites that are accessible by hyperlinks from this website may use cookies. Before providing personal information to them, we encourage you to read the respective website’s privacy statements. www.myfirstliberty.com does not implicitly endorse third-party sites which are hyperlinked to this website.

Consent

By submitting your personal information on this website (for example, by completing an online form requesting a brochure), you agree that we may collect, use, store and disclose your personal information in the manner described in this Privacy Policy set forth below and elsewhere on the website.

First Liberty Bank Privacy Policy

First Liberty Bank is committed to both protecting the privacy of users of this website and to providing those users with various opportunities and services. This Privacy Policy covers how we treat personally identifiable and non-personally identifiable information collected when you visit and use this website and its features. Except as otherwise required by law, this policy does not apply to the practices of companies that First Liberty Bank does not own or control or to people that First Liberty Bank does not employ or manage.

Types of personal and non-personal information collected

You have the option of submitting personal information while visiting www.myfirstliberty.com. If you choose to provide it, First Liberty Bank collects this personal information.  Personal information identifies or can be used to identify an individual.  For example, it includes a name, home address, telephone number, and/or email address.

If you request information about First Liberty Bank products or services through the online form or via an email sent to First Liberty Bank we will collect your name, contact information, and any other information you provided.  You can choose whether you want to receive regular First Liberty Bank-related updates and offers.

Like most websites, the www.myfirstliberty.com website gathers traffic patterns, site-usage, and other aggregated data.  This data is used to evaluate visitor preferences and website effectiveness. This aggregate data does NOT individually identify you.

This website is directed to adults at least 18 years old.  When a user discloses personal information on this website, the user is representing that he or she is an adult.

How is the personal information that is collected used or shared?

We may use your personal information for various purposes.  We may use your personal information to analyze the effectiveness of our online and offline marketing efforts and to develop products, services, and marketing programs.

Unless you have informed us you do not wish to receive updates related to www.myfirstliberty.com, we may also use your personal information to email or hard-copy mail such information. At any time, you can decide to decline further updates from us by sending an e-mail to [email protected] with “UNSUBSCRIBE” in the subject line or by clicking unsubscribe on the email directly.

We do not sell or rent any of the personal information that you disclose to us to third parties.  However, in certain instances, we may share your personal information with our affiliates, franchisees, agents, and lenders.  You can opt-out at any time of direct marketing by emailing [email protected].

We do not share or authorize third parties who are not affiliated with www.myfirstliberty.com to make independent use of your information for their own purposes, such as for direct marketing.

We may disclose information to law enforcement agencies or others if we are legally required to do so. In addition, certain statutory authorizations may allow us to disclose personal information in emergency situations.

In conjunction with due diligence for or completion of a merger, reorganization, or sale to a third party of our company or a major portion of its assets, we may disclose, transfer, or sell the personal information collected through our website. Although we do not currently anticipate such an event, changes to our privacy practices may result.

Accessing your personal information

At your request, we will provide you with an opportunity to access and if necessary, correct the personal information that you submitted via the online form and that is stored in our database. To make a request, please e-mail us at [email protected]. We reserve the right to confirm the identity of the requester and limit the frequency of an individual’s requests.

This Privacy Policy may change

Like most companies, we reserve the right to update this Privacy Policy as needed. Each time it is updated, a new date will appear at the top. Regularly reviewing this page ensures that you are always aware of what information we collect, how we use it, and under what circumstances, if any, we will share it with other parties.

Use of Cookies

Use of cookies is an industry standard and you will find them at most major websites. Cookies are data that a website transfers to an individual’s hard drive for record-keeping purposes. Cookies make surfing the internet easier by saving your passwords, purchases, and preferences while you are at a website.

The www.myfirstliberty.com website uses cookies. By showing how and when visitors use the website, cookies help us see which pages and sections are popular and which are not. Improvements and updates to the website may be based on data such as the total number of cookies to retrieve information from your computer that was not originally sent in a cookie. Except as described below, we do not use information transferred through cookies for any promotional or marketing purposes.  We do not share this information with third parties, except with contracted technology vendors or if needed for a legal proceeding.  Although highly unlikely, you may occasionally get cookies from our advertisers and/or partners. We do not control these cookies, and a different cookie policy may apply to them.

The use of advertising cookies sent by third-party servers is standard in the Internet industry. Most browsers are initially set to accept cookies. If you prefer, you can set yours to refuse cookies or to alert you when cookies are being sent. (However, if you do so, it is possible that some pages/sections of a website will not function properly.)

Google Analytics

www.myfirstliberty.com website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyze how users use the site.

First Liberty Bank uses Google Analytics features including

  • Remarketing with Google Analytics
  • Google Display Network Impression Reporting
  • DoubleClick Platform Integrations
  • Google Analytics Demographics and Interest Reporting

First Liberty Bank uses all features of Google Analytics for Display Advertisers. That includes obtaining specific visitor cookie data, such as the source, medium, and keyword used to visit this website. Google Analytics does not store any visitor specific data and we will not use visitor specific data in any way related to Google Analytics, Google AdWords, and Remarketing.

First Liberty Bank and other third-party vendors, including Google, use first-party cookies such as the Google Analytics cookie and third-party cookies such as the DoubleClick cookie together to inform, optimize, and serve ads based on visitor’s past visits to our website.

First Liberty Bank uses remarketing with Google AdWords (see below) and analytics to display content specific advertisements to visitors that have previously visited our site when those visitors go to other websites that have the Google Display Network implemented.

The information generated by the cookie about your use of the website including your IP address will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however, if you do this you may not be able to use the full functionality of this website. By using this website, you agree to the processing of data about you by Google in the manner and for the purposes explained in this paragraph.

This website uses Google AdWords

We use Google AdWords remarketing services to advertise on third party websites (including Google) to previous visitors to our website. Remarketing allows us to tailor our outreach to better suit your needs and only displays ads that are relevant to you. AdWords remarketing may appear in the form of an advertisement on the Google search results page, or a site in the Google Display Network, or display relevant ads tailored to your interests based on what parts of the First Liberty Bank website you have viewed or by placing a cookie on your machine. THIS COOKIE DOES NOT IN ANYWAY IDENTIFY YOU OR GIVE ACCESS TO YOUR COMPUTER. Any data collected will be used in accordance with our privacy policy.

WHAT IS RETARGETING? The main goal of ReTargeting Ads is to re-engage site visitors after they have left the site. Dynamic ReTargeting Ads are generated based on the actual products or offers viewed on the advertiser’s site. For example, if you’ve visited a retailer’s website and viewed a specific product, you might receive a banner ad containing that product. Rather than showing the same ad to every visitor, www.myfirstliberty.com Dynamic Ad Application will select the most relevant ad copy based on the user’s activity on the site. www.myfirstliberty.com Personalized Retargeting Platform works when an advertiser places our tag on his website. The tag embeds a third-party cookie on the browser of users visiting the site. Using Real Time Bidding (RTB) Ad Exchanges, it is then possible to focus media buying efforts against those visitors. It is important to note that the cookie itself does not contain any personal identifying information. Our Personalized ReTargeting ads intelligently match the right offering to each visitor based on his previous activities on the site. Each advertiser using the www.myfirstliberty.com service is responsible for limiting the number of ad impressions shown to each user in order to ensure that viewers are not overly exposed to specific ads.

How Can I Remove Myself From Being Retargeted?

www.myfirstliberty.com makes removing our tracking cookie easy for any user who wishes to do so. Users that don’t want to see www.myfirstliberty.com Personalized Ads should simply email us at [email protected].

Security of personal information

We have technology measures to protect any personal information you submit from misuse and loss, such as firewalls and password-protected areas using established industry standards. These measures are also designed to protect personal information from unauthorized access, modification, and disclosure.  However, no data protection measures are entirely foolproof when data is transmitted and stored over the Internet.

Account Aggregation

Account aggregation sites allow you to consolidate account information from several sources into one online location. In order to provide this service, an aggregation provider may request your passcode and login information. You should ensure that the aggregation provider has appropriate policies to protect the privacy and security of any information that you provide.

If you provide information about your First Liberty Bank accounts to an aggregation provider, we will consider all transactions initiated by an aggregator using the access or login credentials that you provide, to be authorized whether or not you were aware of a specific transaction.

If you decide to revoke the authority given to an aggregation provider, we strongly recommend that you also change your online password with this Institution. This will help ensure that the aggregation company cannot continue to access your account(s) with us.

Email Policies

When you enroll for our online services, we will send you a welcome email. We may also send emails marketing various products and services offered by First Liberty Bank. We will always provide you an opportunity to opt-out of marketing related emails.

Contacting Us

Any questions regarding our privacy policy or concerns about our privacy practices, please contact us at 405-608-4500 or [email protected].

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