Online Privacy Policy

Direct Trust’s Online Privacy Policy (hereinafter referred to as the “Policy”) applies to Direct Trust online service (website or mobile application), as well as any interactions you may have while viewing content provided through one of Direct Trust’s digital advertising campaigns. This Policy describes how Direct Trust collects, shares, uses, and protects information when you visit or use this online service, and explains how information may be collected and used for advertising purposes. Direct Trust’s online services are intended for United States users only.

Personal information Direct Trust collects

When you visit or use Direct Trust online services, Direct Trust may collect personally identifiable information you provide via forms, surveys, or applications. Personally identifiable information may include your name, email address, mailing address, telephone number, location information (for instance, a zip code entered to find a nearby ATM), or other fields requested and provided by you.

How Direct Trust uses personal information

Direct Trust may use personal information:

  • To respond to questions and requests and communicate with you;
  • To deliver ads or offers that may be of interest to you;
  • To personalize online services to you;
  • To process your applications and transactions for products or services;
  • To verify your identity to allow access to your accounts;
  • To prevent fraud and enhance the security of your account or Direct Trust’s online services;
  • To allow you to utilize Direct Trust’s online services;
  • To evaluate your responses to Direct Trust’s emails and the pages and advertisements you view;
  • To inform you about changes to terms, conditions, policies, or other important information regarding products or services you are enrolled in or in which you may be interested;
  • To allow you to participate in online sweepstakes, surveys, market research, contests, or other promotions;
  • To evaluate and improve Direct Trust’s products or services;
  • To allow you to use financial planning tools;
  • To comply with laws and regulations and other legal process and law enforcement requirements;
  • For any other purposes Direct Trust may disclose at the time you provide or your information is collected.

Additional personal information Direct Trust may collect

Direct Trust may also collect personally identifiable information about you from other online and offline sources, including Direct Trust social media pages (See Linking to other sites and social media sites below for information on social media pages) to assist in verifying your identity and account status. Direct Trust may combine this information with the personal information Direct Trust has collected about you under this Policy.

How Direct Trust shares personal information

If you are a Direct Trust customer, Direct Trust will use and share any information that Direct Trust collects from or about you in accordance with our Privacy Notice.

Other information Direct Trust collects online and how it is used

Other information is any information that does not reveal your identity or does not relate to an individual. Examples of other information are your Internet Protocol Address (or IP address), device type, browser type, and browsing history on Direct Trust’s website. Direct Trust may collect this information in a variety of ways, including:

  • Through your browser or mobile device. Direct Trust may capture the IP address of the device you use to connect to our online service, as well as the type of browser and device type you use. This information may be used for fraud detection, security purposes, and to ensure functionality. Direct Trust may use your IP address to help diagnose problems, to personalize your experience, for compliance purposes, for advertising, and administrative purposes.
  • Using cookies. Cookies are stored on the device you are using to connect to the online service. We may capture browser type, pages visited, time spent on the site, and other information through cookies. This information is used to recognize your device each time you visit, to personalize your experience, for security, advertising, and statistical analysis purposes. You can refuse to accept cookies; however, if they are not accepted you may experience issues with online services and functionality.
  • Using web beacons, pixel tags, clear GIFs, or other technologies. These tracking tools may detect and collect characteristics and settings of the device you use to access online services. This information is used for advertising, fraud detection and prevention, monitoring marketing campaign success and effectiveness of communication, compiling statistics, assessing traffic patterns, for security purposes, in order to personalize your experience, and other uses.
  • Using Flash objects. These objects help Direct Trust recognize your device, are used for online authentication and help you view web content. If Flash objects are disabled you may not be able to access and use all or part of Direct Trust’s website or online services.
  • Through third party widgets. Direct Trust may allow widgets that enable information to be easily shared on another platform. The third parties that own the widgets may have access to information about your browsing history on the pages of Direct Trust’s website.

How other information is shared

Direct Trust may share other information collected from and about you with other third parties as permitted by law. This may include third party service providers, third parties in conjunction with a corporate transaction, or other third parties to comply with legal requirements. Direct Trust may also use data that we collect on an aggregate or anonymous basis, where permissible.

Advertising

Direct Trust advertises online and offline. Direct Trust may collect information through our advertising service providers using cookies, IP addresses, and other technologies. Direct Trust may collect information on the pages viewed, browsing activity, links followed, and responses to advertisements. This information is used to deliver advertisements specific to you. Advertisements specific to you may include banner ads and splash ads, email, postal mail, telemarketing, and on sites and mobile apps not affiliated with Direct Trust. Information about your relationship with Direct Trust may be used to help determine which advertisements or offers to present to you.

Direct Trust contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with Direct Trust. The information provided by you may be used by these third parties and mobile apps to selectively market our products and services to you, as permitted by law. These third party sites and mobile apps are not subject to Direct Trust’s Privacy Policies available on OZK.com.

Linking to other sites and social media sites

OZK.com contains links to third party sites. These links are provided for convenience purposes and are not under the control of Direct Trust. Direct Trust also maintains a presence on social media sites including, but not limited to, Facebook®, Twitter®, YouTube®, and LinkedIn®. These sites are also not under the control of Direct Trust.

If you choose to link or post on such third party web sites, Direct Trust makes no warranties, either expressed or implied, concerning the content of such sites, including the operations, programming and conduct of transactions over such sites. Direct Trust does not warrant that such sites or content are free from any claims of copyright or other infringement or that such sites or content are devoid of viruses. Direct Trust disclaims all liability of any kind whatsoever arising out of your use of, or inability to use such third party web sites, the use of your information by such third parties, and the security of information you provide to such third parties.

Security

Direct Trust uses physical, electronic, and procedural security measures that comply with applicable federal and state laws, and restrict access of Non-Public Financial Information to employees who need the information to provide products or services to you. These measures may include device safeguards and secured files and buildings. Please visit the Learning Center for additional information about how we protect your personal information.

Protecting children’s online privacy

Direct Trust’s online services are not intended for children under the age of 13, and Direct Trust requests that personal information regarding children under the age of 13 not be provided through online services. Information is not knowingly collected from children under the age of 13 without parental consent.

Updates to this Policy

This Policy may change from time to time. Any changes to this Policy will become effective when we post the revised Policy on OZK.com. Please review it periodically.

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