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Community Bank is committed to providing you with “more than you ever expected” by offering the finest financial products and services available. This also includes our commitment to keep your personal information private.
The importance of keeping personal and account information private and secure, along with our belief that your privacy should never be comprised, is a fundamental issue. The following information is designed to let you know about the information we collect, the measures we take to safeguard it, and the situations in which we might share this information.
Information We Collect
We collect and use various types of information
about you and your accounts to help serve your
financial needs, provide high standards of customer
service, develop and offer new products or services
for our customers and potential customers, and fulfill
legal and regulatory requirements. Customer information
collected generally varies depending on the products
and services you request and is categorized in the
following ways:
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Identification Information - information that
identifies you such as your name, address, telephone
number and Social Security number.
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Application Information - information you provide to
us on applications and through other means that will
help us determine if you are eligible for products you
request. Examples include assets, income and debt.
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Transaction and Experience Information - information
about your transactions and account experience with
us, as well as information about our communications
with you. Examples include account balances,
payment history, and account usage.
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Consumer Report Information - information from
a consumer report. Examples include credit score
and credit history.
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Information from Outside Sources - information
from outside sources regarding employment, credit
and other relationships that will help us determine if
you are eligible for a product or service you request.
Examples include employment history, account
verifications and property insurance coverage.
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Other General Information - information from
outside sources, such as data from public records,
that is not collected or used for the purpose of
determining eligibility for a product or service.
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As required by the USA PATRIOT Act, we also collect
information and take actions necessary to verify your
identification.
Our Information-Sharing Practices with
Non-Affiliated Third Parties:
Community Bank may disclose non-public personal
information we collect to non-affiliated third parties,
but only as permitted by law. For example, we may
disclose customer information about you to help
complete a transaction initiated by you, pursuant to
your request or authorization, in response to a
subpoena or court order, as required by certain federal
and state laws, and to credit reporting agencies.
Federal law also allows us to disclose customer
information we collect to companies that perform
marketing services on our behalf and to other financial
institutions with which we have joint marketing agreements,
such as securities brokers/dealers and credit
card issuers. Joint marketing agreements with other
financial institutions allow us to bring information to
you about financial products and services that are
different from those we provide. For example, we
may provide identification and transaction and
experience information to securities brokers/dealers in
order to provide financial products not available directly
through Community Bank. In addition, we may disclose
application information collected to credit card issuers
at the time you submit written application for a credit
card product.
We require our service providers and those with
which we jointly market financial products or services
to adhere to confidentiality standards governing the
privacy of your information. These companies may use
and disclose the information we provide to them ONLY
for the purposes for which it is provided or otherwise
permitted by law.
Further, we do not sell or rent customer lists or
personal information to any non-affiliated third parties
for marketing purposes.
Information About Former Customers
Community Bank does not disclose nonpublic personal information about former customers, except as permitted by law.
Safeguards Maintained to Ensure Information Security and Integrity
At Community Bank, only employees who need customer information to perform their duties are authorized to access personally identifiable customer information. Our internal policies and procedures are designed to keep customer information safe. Employees are trained that all customer information is considered private and privileged, and is to be used solely for the purpose of providing you with service beyond your expectations. The importance of these issues dictates that all Community Bank employees are responsible for maintaining the confidentiality of customer information.
Community Bank maintains security standards and procedures to prevent unauthorized access to confidential information about our customers. Our physical, electronic and procedural safeguards comply with federal regulations regarding the protection of customer information, and we continually assess new technology available to ensure the future protection and integrity of customer information.
Maintenance and Accuracy of Customer Information
Community Bank is committed to maintaining complete and accurate information about you and your accounts, and we employ reasonable measures to ensure the accuracy, timeliness and thoroughness of this information. If you believe our records contain inaccurate or incomplete information about you, please notify us at 1-800-460-6634. We will investigate your concerns and pledge to correct any inaccuracies in a timely manner.
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