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Important Information about your Privacy
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BECAUSE YOUR TRUST IS SO
IMPORTANT
Your trust is the cornerstone
of our relationship. That is why we work so diligently to safeguard your
privacy. The information that you provide us is kept in the strictest
of confidence. We have no intentions of selling personal information about
our customers to third-party businesses. We are proud to make that
commitment to you, because your trust is the foundation of our business.
The following privacy policy
explains how we use and protect the information about our customers. We ask
that you read it carefully.
NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS
We ,
our, and us, when used in this notice, mean
CrossCounty Bank. This
is our privacy notice for our customers. When we use the words “you” and
“your” we mean the following types of customers:
• Our consumer customers who
have a continuing relationship by purchasing or holding
financial products or services such as a(n):
• Deposit account
• Loan account
• Safe deposit box
• Retail installment contract we hold and service
• All IRA accounts for which we act as custodian
• Former customers
We will tell you the sources
of the information we collect about you. We will tell you what measures we
take to secure that information.
We first define some terms.
Nonpublic personal information
means information
about you that we collect in connection with
providing a financial product or service to you. Nonpublic personal
information does not include information that is available from public
sources, such as telephone directories or government records. Hereafter, we
will use the term “information” to mean
nonpublic
personal information as defined in this section.
An
affiliate is a company we own or
control, a
company that owns or controls us, or a company
that is owned or controlled by the same company that owns or controls us.
Ownership does not mean complete ownership, but means owning enough to have
control.
A
nonaffiliated third party is a
person we do not employ or a company that is not an affiliate of ours. This
is also known as nonaffiliated third party, or simply, an “other party.”
THE INFORMATION WE COLLECT
We collect information about
you from the following sources:
• Information you give us on
applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information
THE CONFIDENTIALITY,
SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to
information about you to those employees who need to know that information
to provide products or services to you. We maintain physical, electronic,
and procedural safeguards to protect this information.
YOUR INFORMATION AND
AFFILIATES
We will not disclose your
nonpublic personal information to affiliates.
YOUR INFORMATION AND OTHER
PARTIES
We will not disclose
information about you to anyone except as disclosed in this policy or as
permitted by law. Examples of this might include disclosures necessary to
service your account or prevent unauthorized transactions.
INFORMATION ABOUT FORMER
CUSTOMERS
We have the same policy about
disclosing information about former customers as we do about current
customers.
AUTHORIZED SHARING - OUTSIDE
MARKETING SERVICES
We may disclose the following
information to companies that perform marketing services on our behalf:
• Information you give us on
an application or other forms, such as
• Name
• Address
• Telephone number
We disclose the information
listed above with companies that perform marketing services on our behalf.
You do not have a right to opt out of the disclosure of this information. We
may also disclose information about you to other outside marketing services
as permitted by law.
Types of Businesses
Here are the types of businesses with whom we
may disclose information for outside marketing purposes:
• Service providers that perform marketing services for us, such as:
• Advertising Agency
AUTHORIZED SHARING - JOINT MARKETING
We may disclose the following information to
other financial institutions with whom we have joint marketing agreements:
• Information about your transactions with
us, such as:
• Name
• Address
We disclose the information listed above with
other financial institutions with whom we have joint marketing agreements.
You do not have a right to opt out of the disclosure of this information.
State Limitations
AL, AK, CA, ID and VT - We will not share
this information about customers who reside in Alabama, Alaska, California,
Idaho or Vermont. MA, MS and NJ - We will not share any information derived
from deposit relationships with us about customers who reside in
Massachusetts, Mississippi or New Jersey. IL - We will not share this
information about our customers who reside in Illinois with other parties.
Types of Businesses
We may disclose information pursuant to joint
marketing agreements to the following types of businesses:
• Financial service providers
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