Terms and Conditions Policy Agreement

Union Savings Bank (“USB”) values its users’ privacy.  This Terms and Conditions Policy Agreement (“Policy”) will help you understand how we collect and use personal information from those who visit our website or mobile application or use our online facilities and services and what we will and will not do with the information we collect.  Our Policy has been designed to ensure those affiliated with USB know our commitment and realize our obligation to meet and exceed most existing privacy standards.

We reserve the right to change this Policy at any given time. If you want to ensure you are up to date with the latest changes, we advise you to visit this page frequently.  If, at any point in time, USB decides to make use of any personally identifiable information on file in a manner vastly different from that stated when this information was initially collected, the user or users shall be promptly notified by email.  Users at that time shall have the option to permit the use of their information in this separate manner.

This Policy applies to USB and governs any data collection and usage by us. Through the use of https://usavingsbank.com or the mobile app, you consent to the data collection procedures expressed in this Policy.  Please note that this Policy does not govern the collection and use of information by companies that USB does not control nor by individuals not employed or managed by us. If you visit a website, we mention or link to, review its privacy policy before providing the site with information.  It is highly recommended and suggested that you review the privacy policies and statements of any website you use or frequent to understand better how websites garner, use, and share the information collected.

Specifically, this Policy will inform you of the following:

  1.  What personally identifiable information is collected from you through our website or mobile application;
  2.  Why we collect personally identifiable information and the legal basis for such collection;
  3.  How we use the collected information and with whom it may be shared;
  4.  What choices are available to you regarding the use of your data and
  5.  Security procedures are in place to protect your information from misuse.

Information We Collect

“Data” in the context of our Online Privacy Practices Statement refers to information we collect through your internet or mobile activities or which third parties may collect on our behalf. Such data may or may not be personally identifiable to you. It is always up to you whether to disclose personally identifiable information to us.

This website collects various types of information, such as:

  • Information automatically collected when visiting our website may include cookies, third-party tracking technologies, and server logs.

In addition, USB may have the occasion to collect non-personal anonymous demographic information, such as age, gender, household income, political affiliation, race, and religion, as well as the type of browser you are using, IP address, or type of operating system, which will assist us in providing and maintaining superior quality service.  USB may also deem it necessary, from time to time, to follow websites that our users may frequent to gleam what types of services and products may be the most popular to customers or the general public.

Why We Collect Information and For How Long

We are collecting your data for several reasons:

  • To better understand your needs and provide you with the services you have requested;
  • To fulfill our legitimate interest in improving our services and products;
  • To send you promotional emails containing information we think you may like when we have your consent to do so;
  • To contact you to fill out surveys or participate in other types of market research when we have your consent to do so and
  • To customize our website according to your online behavior and preferences.

The data we collect from you will be stored no longer than necessary.  The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contract we have with you, the existence of your consent; and our legitimate interest in keeping such information as stated in this Policy.

Use of Information Collected

USB does not now, nor will it, in the future, sell, rent, or lease any of its customer lists or names to third parties.

USB may collect and use personal information to assist in operating our website and ensuring delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information to keep you informed of other possible products and services that may be available to you from usavingsbank.com. USB may also contact you regarding completing surveys and research questionnaires related to your opinion of current or potential future services that may be offered.

USB uses various third-party social media features, including but not limited to facebook.com, twitter.com, and other interactive programs. These may collect your IP address and require cookies to work correctly. The providers’ privacy policies govern these services and are not within USB’s control.

Disclosure of Information

USB may not use or disclose the information provided by you except under the following circumstances: · as necessary to provide services or products you have ordered; · in other ways described in this Policy or to which you have otherwise consented; · in the aggregate with other information in such a way so that your identity cannot reasonably be determined; · as required by law, or in response to a subpoena or search warrant; · to outside auditors who have agreed to keep the information confidential; · as necessary to enforce the Terms of Service; and · as required to maintain, safeguard and preserve all the rights and property of USB.

Non-Marketing Purposes

USB dramatically respects your privacy. However, we reserve the right to contact you if necessary for non-marketing purposes (such as bug alerts, security breaches, account issues, and changes in USB products and services).  In certain circumstances, we may post a notice on our website, in newspapers, or by other public means.

Children under the age of 13

USB’s website is not directed to and does not knowingly collect personally identifiable information from children under thirteen (13).  Suppose it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13).  In that case, we shall immediately take the necessary steps to ensure that such information is deleted from our system’s database or that verifiable parental consent is obtained for using and storing such data.  Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use this website.

Unsubscribe or Opt-Out

All users and visitors to our website have the option to discontinue receiving communications from us by way of email or newsletters.  To discontinue or unsubscribe from our website, please send an email that you wish to unsubscribe to [email protected].  If you want to unsubscribe or opt out from any third-party websites, you must go to that specific website to unsubscribe or opt out.  USB will continue to adhere to this Policy concerning any personal information previously collected.

Links to Other Websites

Our website contains links to affiliates and other websites. USB does not claim or accept responsibility for other websites’ privacy policies, practices, and procedures.  Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information.  This Policy applies only and solely to the information collected by our website.

Notice to European Union Users

USB’s operations are located primarily in the United States.  If you provide us with the information, it will be transferred out of the European Union (EU) and sent to the United States.  (The adequacy decision on the EU-US Privacy became operational on August 1, 2016.  This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes.  It allows the free transfer of data to companies certified in the US under the Privacy Shield.)  By providing us with personal information, you consent to its storage and use as described in this Policy.


USB takes precautions to protect your information.  When you submit sensitive information via the website, your information is protected online and offline.  Wherever we collect sensitive information (e.g., credit card information), that information is encrypted and securely transmitted to us.  You can verify this by looking for a lock icon in the address bar and looking for “https” at the beginning of the webpage’s address.  While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information.  The computers and servers where we store personally identifiable information are kept in a secure environment.  This is all done to prevent any loss, misuse, unauthorized access, disclosure, or modification of the user’s personal information under our control.  The company also uses Secure Socket Layer (SSL) for authentication and private communications to build users’ trust and confidence in the internet and website use by providing simple and secure access and communication of credit cards and personal information.  VeriSign also secures the website.

Acceptance of Terms

By using this website, you accept the terms and conditions stipulated in this Policy.  If you disagree with our terms and conditions, you should refrain from further use of our sites.  In addition, your continued use of our website after posting any updates or changes to our terms and conditions shall mean that you agree to and accept such changes.

How to Contact Us

If you have any questions or concerns about the Terms and Conditions Agreement related to our website, please contact us at the following email, telephone number, or mailing address.

Email: [email protected]
Telephone Number: 513-247-0300
Mailing Address:
Union Savings Bank
Attn: Compliance Dept.
8805 Governors Hill Drive
Cincinnati, Ohio 45249