Children's Online Privacy Protection Act

Children’s Online Privacy Policy

Updated April 2026

This Children's Online Privacy Policy ("Policy") is intended to help children and parents understand how First Community Bank (Bank) collects, uses, and shares children's information in accordance with the Children's Online Privacy Protection Act ("COPPA"). Here we will walk you through our Policy along with key terms you will want to know.

Parents - This is our Children’s Online Privacy Policy for children under 13 where we outline key information that can help you and your child understand how we protect their data. Please review this Policy with your child. We have included a specific Parent's Rights section which includes instructions on how you can exercise your rights under COPPA. This Policy, along with the additional notices on our Consumer Privacy page (including our Privacy Policy), is designed to help you understand how First Community Bank manages privacy, and the rights you have as a parent or legal guardian. 

Children - We have created this page to help you learn about privacy and explain how we keep your information safe. Some words might be confusing so you may want to read this page with an adult.

1. What is a Children's Online Privacy Policy?

   This Policy explains important things the Bank wants you to know when using our website or mobile app. Because laws sometimes change, we may need to update this page. The date at the top will show you when we made an update. 

   Until you are old enough to have your own account, your parent or legal guardian is the joint owner on your account. This means they can check your activity and see how you spend your money. Keep reading to learn about data and online privacy.

2. What terms will help me understand this Policy?

   • Account - your bank account, debit card, or other product you may have;
   • Child or Children - anyone under 13 years old;
   • Conditions - the promises made to use our Services;
   • Information / Data - facts about you or your account;
   • Parent or Legal Guardian - the person who set up this account and is a joint owner;
   • Policy - this document as found on the Bank’s website and mobile app;
   • Privacy - information you want to keep secret;
   • Services - the accounts First Community Bank offers including our mobile app and online banking website;
   • Terms - the rules and guidelines for using our Services; and
   • We, Our, or Us – First Community Bank.
     

 

3. How does First Community Bank keep my information safe?

   Keeping you safe is especially important to us. When we learn something about you, we must keep that information safe and follow rules. We take this seriously. 

4. What kind of information does First Community Bank collect? 

   • Personal Information - Information we collect online that is unique to you such as your name, birthdate, and address. Some of this information was collected from your parent or legal guardian when they set up Services for you. There may be times when we ask you for this information. This could happen if you contact us to help you with your account or if you need help logging into your account. Other times you may provide this information to us online as you inquire about or apply for a Service that may be available to you.
   • Other Account Data - Information about how you use your account. This information can tell us the location of your mobile device, mobile phone number, debit card number, or other payment information. We collect this type of information when you make a purchase or log into your account. We may also collect information that helps us understand how you use your account.

 

5. Why does First Community Bank need information about me?

   We use this information to do things like prove who you are, help you with your account, speak with you, and help us detect activity that doesn’t look right on your account. The reasons for collecting this information are noted in the Bank’s Privacy Policy, which can be found on the Bank’s website. 

6. What can First Community Bank see when I visit their website or use their mobile app?

   We may collect information and track your activities with online technology. A common type of tracking technology is known as a cookie. Cookies, and various other technologies, are used for a number of things including gathering analytics about your visit (e.g., the pages you visited, how much time you spent on the site, and the type of device/browser used) and personalizing content for you.

   Some cookies are needed so you can see the website and are only needed for a brief time, like a bookmark to help you remember where you last stopped reading a book. Other cookies are like flags that stay with you until removed so we can remember things like places you like to spend your money. Sometime these flags include details about you such as your name or what state you live in. How long we keep the information collected from cookies depends on the type of cookie.

   You can talk to your parent or legal guardian for help on this topic.

7. How long does First Community Bank keep my information?

   Banks have rules and laws that tell us how long to keep data and when we can delete it. We delete your data when your parent or legal guardian requests for the information to be deleted and when allowed to under the rules that tell us how long to keep data.

8. Who does First Community Bank share my information with?

   We only share your personal Information with people or companies that need to know your information for reasons specific to the Services provided. We will not share your personal Information for any other reason.

9. What can my parent or legal guardian see and do?

   As the joint owner on your account, your parent or legal guardian can see what you do with your account, including how and when you use it. This means they can see and get alerts when you buy something or use the ATM. They are also able to control how much money you spend or where you spend it (e.g., card controls within the mobile app).

   As a child under 13 years of age, your parent or legal guardian will decide how we may contact you. This allows them to control any contact information like a phone number or an email address that we might use to communicate. You are not able to change this information yourself until you are old enough to have your own account.

10. Parental Rights

    First Community Bank will not require a child to disclose more information than reasonably necessary to participate in the Bank’s Online Services.

    Parents and legal guardians - You have specific rights under COPPA (for Children under 13) listed below:

    • Refuse to permit further contact with your child;
    • Review and update the personal information collected online about your child;
    • Refuse to permit further collection, use, or maintenance of the personal information of your child;
    • Request the deletion of personal information belonging to your child (unless we are required by law to retain the information); and
    • Request the deletion of the online contact information belonging to the parent or legal guardian.

     

    Parents and legal guardians can also agree to the collection and use of their child’s information but not allow disclosure of that information to third parties. However, if you decide that you do not want us to use or collect your child’s personal information, or you ask us to delete it, we may have to remove their online banking profile. Only an account owner can update contact information allowing parents and legal guardians to adjust their child's contact details at any time.

11. Contact the Bank

    To exercise any of these rights, please contact us:

    • By telephone: 803-951-0555 or 800-829-6372
    • Via Bank website: firstcommunitysc.com