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Privacy
Policy
Rev. 4/2010
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Facts |
WHAT
DOES STATE BANK OF COLD SPRING DO WITH YOUR PERSONAL
INFORMATION? |
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Why? |
Financial companies choose
how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing.
Federal law also requires us to tell you how we collect,
share, and protect your personal information. Please read
this notice carefully to understand what we do.
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What? |
The types of
personal information we collect and share depend on the
product or service you have with us. This information can
include:
- Social Security number
- Income
- Account balances
- Payment history
- Transaction history
- Transaction or loss history
When you are no longer our customer, we
continue to share your information as described in this
notice.
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How? |
All financial companies
need to share customers' personal information to run their
everyday business.
In the section below, we list the reasons financial
companies can share their customers' personal information;
the reasons State Bank of Cold Spring chooses to share; and
whether you can limit this sharing.
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Reasons we can share your personal
information |
Does State Bank of Cold
Spring share? |
Can you limit this sharing? |
For our everyday
business purposes -
such as to process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or report to credit bureaus
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Yes |
No |
For our marketing
purposes - to offer our products and services to you
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No |
We don't share |
For joint marketing
with other financial companies
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No |
We don't share |
For our affiliates'
everyday business purposes -
information about your transactions and experiences
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No |
We don't share |
For our affiliates'
everyday business purposes -
information about your creditworthiness
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No |
We don't share |
For
nonaffiliates to market to you
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No |
We don't share |
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Questions? |
Call 320-685-8655 |
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What We Do |
How does State Bank of Cold Spring protect my
personal
information? |
To protect your personal information from
unauthorized access and use, we use security measures that
comply with federal law. These measures include computer
safeguards and secured files and buildings.
We also maintain other physical, electronic and procedural
safeguards to protect this information and we limit access
to information to those employees for whom access is
appropriate.
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How does State Bank of ColdSpring collect my
personal information? |
We collect your personal information, for
example, when you
- Open an account
- Apply for a loan
- Pay us by check
- Make a wire transfer
- Show your driver's license
We also collect your personal information
from others, such as credit bureaus, affiliates, or other
companies.
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Why can't I limit all sharing? |
Federal law gives you the right to limit
only
- sharing for affiliates' everyday
business purposes - information about your
creditworthiness
- affiliates from using your
information to market to you
- sharing for non-affiliates to market
to you
State laws and individual companies may
give you additional rights to limit sharing.
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Questions? |
Call 320-685-8655 |
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Definitions |
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Affiliates |
Companies related by common ownership or
control. They can be financial and non-financial companies.
- State Bank of Cold Spring does not
share with our affiliates.
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Non-affiliates |
Companies not related by common ownership
or control. They can be financial and
non-financial companies.
- State Bank of Cold Spring does not
share with non-affiliates so they can market to you.
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Joint Marketing |
A formal agreement between nonaffiliated
financial companies that together market financial products
or services to you.State Bank of Cold Spring doesn't
jointly market.
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Questions? |
Call 320-685-8655 |
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