Introduction. This Privacy Policy describes the types of “Personal Information” (information that is identifiable to a particular person) that is collected (directly or through service providers) in connection with the FNB Mobile downloadable application (“App”) and related services (collectively, the “Service”) offered by your financial institution (“we” or “us”). This Privacy Policy is intended to supplement the disclosures in any Privacy Policy that you may have already been presented by us in connection with online banking or other services. 

Eligibility. The Service is offered only to individual residents of the United States, excluding its territories, who can form legally binding contracts under applicable law. Restrictions and eligibility requirements for the Service apply as described in the FNB Mobile Terms of Use. We do not knowingly collect any Personal Information from or about individuals under 18 years of age. Please do not submit such information to us, and as a parent or legal guardian, please do not allow your children to submit Personal Information without your permission. By using the App or the Service, you represent that you meet these requirements and that you agree to the terms of this Privacy Policy. 

What Types of Personal Information We May Collect. We may collect Personal Information about you, which may include name, postal address, zip code, e-mail address, telephone number, account numbers, mobile device location, and other information that we can use to contact you, verify your identity, provide the functionality available through use of the App and the Service, and manage risks. We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device’s geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM). 

How We May Collect Personal Information About You. We may collect personal Information about you from the following sources: 

• Information that you input to the App or that the App collects automatically. 
• Your use of the App and the Service, and your interactions with customer support, including information you enter, and information transmitted by your computer or mobile device or other devices you use as part of your receipt of the Service.  
• We may also collect Personal Information about you from others (such as fraud protection). 
• Images are collected for App functionality (mobile deposit), fraud prevention, security, and compliance. 

How We May Use Personal Information About You. We use Personal Information about you only as permitted by law, including but not limited to the following purposes: 

• To complete transactions and render services authorized by you. 
• Other everyday business purposes, such as to maintain your ability to access the Service, to send you information about the Service, to effect, administer and enforce transactions, to perform fraud screening, to prevent actual or potential fraud and unauthorized transactions, to verify your identity, to verify the information you provide to the Service, to comply with laws, regulations, court orders and lawful instructions from government agencies, to protect the personal safety of users of the Service or the public, to prevent and defend claims, to resolve disputes, to troubleshoot problems, to enforce our Terms of Use, to protect our rights and property, and to customize, measure, and improve the Service and the App, including pattern recognition, modeling, enhancement and improvement, system analysis, and Service performance analysis. 

How We Protect Personal Information About You. To protect Personal Information about you from unauthorized access and use, we maintain physical, electronic, and procedural safeguards, including but not limited to security measures that comply with applicable federal and state laws. We also require our service providers and business partners to whom we disclose the information to do the same. When you enter sensitive information into the App, we encrypt the transmission of that information using secure socket layer technology (SSL). We may retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. 

Data Retention. We will retain, protect, use, and share Personal Information about you as long as it is reasonably required for the purposes described in this Privacy Policy, and as required by law, including but not limited to for risk management, regulatory compliance, and audit purposes. 

Amendments. We may amend this policy at any time by posting a revised version in the App. The revised version will be effective immediately at the time it is posted unless a delayed effective date is expressly stated therein. If we make any change in how we use your Personal Information, we will notify you by means of a notice in the App prior to the change becoming effective. You may be required to affirmatively acknowledge or accept the revised Privacy Policy in order to continue using the App and the Service. Any use of the App or the Service after a notice of change will constitute your express agreement to such changes.