Last Revised on: January 17, 2024

Republic Mobile Bank Privacy Notice

Republic Bank & Trust Company (“Republic Bank”) provides this privacy notice (the “Notice”) to inform users of Republic Bank’s data processing practices for data collected via its mobile applications including Republic Bank Mobile Banking, TRS Mobile, and Business Mobile Banking and any other Republic Bank application, unless otherwise specifically disclosed, that are available on the Google Play Store for Android devices and the Apple Store for iOS devices (“Mobile Apps”).

Consumer Financial Privacy Notice

If you have inquired about or obtained a personal or household financial product or service from Republic Bank, please also carefully read Republic Bank’s General Privacy Notice located at www.republicbank.com or the privacy notice that you received in connection with a Republic Bank product that has privacy practices different than those stated in the General Privacy Notice so that you may understand how your information is protected.

California Notice

If you are a resident of California, please also carefully read Republic Bank’s California Privacy Notice located at www.republicbank.com so you may understand your rights related to data about you that Republic Bank may process

What Personal Information Republic Bank Collects About You

Republic Bank collects the following information through its Mobile Apps:

Direct Identifiers like name, email address, postal address, and telephone number;
Indirect Identifiers like birth date, occupational title, and other data reasonably capable of being associated with or could reasonably be linked to, you;
Financial information including records of personal property, products, or services obtained or other purchasing or consuming histories or tendencies;
Electronic information such as user content, including your communications with Republic Bank, and any other content you provide, such as photographs, images, videos, and other content;
Internet or other electronic network activity information including, but not limited to, information regarding your interaction with an internet website application or advertisement, device information, or network information;
Geolocation data from your device;
Sensitive Personal Information such as Social Security Number, Government issued ID, and financial account identifiers; or
Visual Data such as image captures for mobile deposits.

How Republic Bank Obtains Your Personal Information via the Mobile Apps

Directly from you	You enter or provide us with information directly in the Mobile Apps. For example, your contact information that you provide, your application for a loan, or documents you provide to verify your identity.
Indirectly from you based on activity on the Mobile Apps.	From submissions or usage details of the Mobile Apps collected automatically, which may include IP addresses, your internet connection, information about your device and information collected through cookies, web beacons, SDKs and other tracking technologies.

Mobile Deposit Image Capture

For the purpose of Mobile Deposit image capture, images may be collected from your device using the camera. Republic Bank will ask your permission to enable device camera features before you use the mobile deposit feature for the first time.

How Long Republic Bank Retains Your Personal Information

Republic Bank retains Personal Information only as long as is reasonably necessary for the purpose Republic Bank collected it, after which time it is securely destroyed.

How Republic Bank Uses Your Personal Information

Republic Bank may have used personal information, depending on how you interact with us, to:

Process your applications and transactions;
Verify your identity;
Present the Mobile Apps and their contents to you;
Provide you with information, products, or services that you request from Republic Bank;
Provide you with notices about your accounts;
Carry out Republic Bank’s obligations and enforcing Republic Bank’s rights arising from any contracts entered into between you and Republic Bank, including for billing and collection;
Work with marketing partners to provide you with information about products or services that may be of interest to you;
Prevent fraud and enhance the security of your business accounts or online services;
Respond to your requests and communicate with you regarding your account or inquiries;
Manage your preferences;
Provide you tailored content and marketing messages;
Operate, evaluate, and improve Republic Bank’s products (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing, and other internal functions;
Fulfill any other purpose for which you provide your personal information and in any other way Republic Bank describes when you provide the personal information; and
Comply with and enforce applicable legal requirements, relevant industry standards, contractual obligations, and Republic Bank’s policies;

Republic Bank may also use data that it collects on an aggregate or anonymous basis (which does not identify any individual person) for various business purposes, where permissible under applicable laws and regulations.

Republic Bank does not use your sensitive personal information for purposes other than those expressly permitted by applicable law.

Disclosure of Your Information

The Mobile Apps may share your information with the Google Analytics SDK for Apps, you may see how Google uses information from our Mobile Apps at www.google.com/policies/privacy/partners/.

Republic Bank may further disclose your personal information:

to Republic Bank’s parent company, Republic Bancorp, Inc., as well as to any subsidiary or affiliate (if applicable);
to retailers and other third parties to market to you when permitted by law;
to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Republic Bank’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Republic Bank its users is among the assets transferred; and
to fulfill the purpose for which you provide it.

Republic Bank may also disclose your personal information:

to comply with any court order, law, or legal process, including to respond to any government, regulatory, or law enforcement subpoena or other request;
to enforce or apply Republic Bank’s agreement(s) with you, including for billing and collection purposes; and
if Republic Bank believes disclosure is necessary or appropriate to protect the rights, property, or safety of Republic Bank, our customers, or others (this includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction).

Republic Bank may disclose aggregated information about our users, and information that does not identify an individual.

Children Under the Age of 16

The Mobile Apps are not intended for children under 16 years of age. No one under age 16 may provide any information to or on the Mobile Apps. Republic Bank does not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on the Mobile Apps or through any of its features. If Republic Bank learns it has collected or received personal information from a child under 16 without verification of parental consent, Republic Bank will delete that information. If you believe Republic Bank might have any information from or about a child under 16, please contact us in one of the ways provided in the Contact Information section below.

Data Security

Republic Bank has implemented reasonable physical, electronic, and procedural safeguards designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. Republic Bank also requires its service providers and business partners to whom it discloses personal information to do the same. The safety and security of your information also depends on you. Where Republic Bank has given you (or where you have chosen) a password for access to certain parts of the Mobile Apps you are responsible for keeping this password confidential. Republic Bank asks you not to share your password with anyone.

How to Contact Republic Bank

You, or your authorized representative, can contact Republic Bank regarding this Notice by calling 1-888-584-3600 or emailing [email protected]. You will be asked to provide verification information prior to discussing any specifics related to your personal information.