|
At Hicksville Bank we have established
policies and practices that respect the financial privacy of all individuals who
use our bank for personal, family, and household purposes. We believe it is
critical to comply with the laws and regulations designed to secure your
financial privacy. Your relationship with us as a customer is important, and we
want you to understand our policies and practices about handling your
information.
This Policy applies to you This Policy applies to our relationships with individual consumers who inquire about or obtain products or services from us for personal, family and household purposes. While this Policy does not apply to business accounts, our commercial customers' information is also very important to us. We also respect the privacy of our commercial customers, and will also take steps necessary to protect their information. Strict security measures We take the security of information very seriously. We have established security standards and procedures to prevent access to customer information. We maintain physical, electronic and procedural safeguards to guard consumer information. Limited employee access We have established procedures to limit employee access to information to only those employees with a business reason for accessing such information. We educate our employees about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee responsibilities regarding customer information. Why we collect information We collect information about you to: • Accurately identify you; • Protect and administer your records, accounts and funds; • Help us design or improve our products and services; • Understand your financial needs; • Save you time when you apply for new products and services; • Offer you quality products and services; and • Comply with certain laws and regulations. We collect information from: • Applications and other forms that you provide to us (information such as your name, address, social security number, assets, income and investment objectives); • Your transactions with us, including your deposit and loan balances, and your payment history; • Your transactions with nonaffiliated third parties (such as your account balance, payment history, and credit card usage); • Credit reporting agencies and demographic data companies (information such as creditworthiness, credit history and demographic information); and • Public sources such as federal, state or local records (information such as mortgage and other lien information). We have established procedures so that the financial information we collect is accurate, current and complete. We are committed to work with you to promptly correct any inaccurate information. The selective sharing of information We may share information with our parent bank holding company, Empire Bancshares, Inc., as well as with unaffiliated third parties external to us as described in this Policy. We may disclose information to complete transactions initiated by you, when you request or authorize the disclosure, to a nonaffiliated third party as described below or if the disclosure is permitted by law. At times it is necessary to disclose information to enforce or apply the terms and conditions of an agreement we have with you and to protect the rights, property, or safety of the Bank, our customers, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. Sharing within our organization We share information with our parent bank holding company, Empire Bancshares, Inc., that we are permitted to share under the law. Sharing with carefully selected companies We may disclose all of the information we collect, as described above, to nonaffiliated third parties, including financial services providers and non-financial companies, with respect to marketing our own products and services, as well as those products or services we offer jointly with other financial services providers. These “marketing partners” include: • Marketing service providers who market our products and services and products and services of other financial institutions with whom we have joint marketing agreements; and • Other financial institutions with whom we have entered into an agreement to jointly market financial products or services, such as third-party securities broker-dealers and insurance companies and insurance agents. We will require strict confidentiality by our marketing partners and limit the use of the information to the purpose for which it was disclosed. We also disclose information to nonaffiliated third parties, including financial service providers and non-financial companies, as permitted by law. For example, we may provide information to outside companies to help us perform services for you, such as loan servicing, bill payment, account aggregation services, e-mail services, mail house services, check printing and account statementing; to government entities to respond to subpoenas; and to credit reporting agencies. Former customers If you end your customer relationship with us, we will continue to adhere to the privacy policies and practices described in this notice. |
|
E-mail Us: