Privacy Policy

Last updated: July 1, 2026

1. Introduction

Guadalupe Bank ("we," "us," or "our") is committed to protecting the privacy of our customers, website visitors, and prospective customers. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our banking products and services. Please read this policy carefully. If you disagree with its terms, please discontinue use of our site.

2. Information We Collect

We may collect information about you in a variety of ways, including:

Information You Provide Directly

• Name, address, phone number, and email address submitted through contact or account-opening forms
• Social Security Number and date of birth for account applications
• Financial information necessary to provide banking services
• Message content submitted through our website contact form

Information Collected Automatically

• IP address, browser type, operating system, and referring URLs
• Pages visited and time spent on our website
• Date and time of your visit
• Device identifiers when accessing our mobile banking application

Mobile information you provide will not be shared with third parties or affiliates for marketing purposes. SMS opt-in consent and phone numbers collected for text banking alerts are used solely for the purpose for which they were provided.

3. How We Use Your Information

We use the information we collect to:

• Open, manage, and service your bank accounts and loan products
• Respond to your inquiries and provide customer support
• Process transactions and send related notices
• Send account alerts, statements, and communications you have requested
• Improve our website, products, and services
• Comply with applicable laws, regulations, and legal processes
• Detect, prevent, and investigate fraud and security incidents
• Meet our obligations under the Gramm-Leach-Bliley Act (GLBA)

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

4. Sharing of Information

We may share your information in the following circumstances:

• Service providers: Third-party vendors who assist us in operating our website, conducting our business, or servicing you, subject to confidentiality agreements
• Regulatory and legal requirements: When required by law, court order, or governmental authority
• Business transfers: In connection with a merger, acquisition, or sale of all or part of our assets
• With your consent: In any other circumstance with your prior written consent

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand where visitors are coming from. You may instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of our website may not function properly without cookies.

6. Data Security

Guadalupe Bank uses administrative, technical, and physical security measures to protect your personal information. We maintain security programs consistent with federal banking regulations, including the Safeguards Rule under the GLBA. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal and regulatory requirements, resolve disputes, and enforce our agreements. Account records are typically retained for a minimum of seven years after account closure in accordance with federal banking regulations.

8. Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Opt out of certain sharing of your information for marketing purposes
• Request deletion of your information, subject to legal retention requirements

To exercise your rights, contact us using the information below. We will respond within a reasonable timeframe and in accordance with applicable law.

9. Children's Privacy

Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately and we will take steps to delete it.

10. Third-Party Links

Our website may contain links to third-party websites, including financial tools and resources. We are not responsible for the privacy practices or content of those sites and encourage you to review their privacy policies before providing any personal information.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the revised policy on this page with an updated effective date. Your continued use of our website or services after any changes constitutes your acceptance of the updated policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:

Guadalupe Bank
1301 Junction Hwy, Kerrville, TX 78028
Phone: (830) 792-1950
Email: info@guadalupebank.com