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At
Commercial State Bank of Waterloo, we have always recognized and
respected the privacy expectations of all of our customers. We understand
that due to the instantaneous movement of information in today’s
technologically advanced world, the need to protect personal privacy
has become even more imperative to all of us. In order to keep our
customers informed of our privacy policies and to reaffirm our continued
commitment to respect our customers’ privacy, we have adopted
this Privacy Protection Notice.
This notice is applicable to the consumer customers of our Bank.
It is provided for information purposes to all consumer customers
as required under federal privacy law. This is not a notice of any
changes to our existing privacy policies. No action is required
on your part, other than to have been notified of our privacy policies.
The confidentiality of your nonpublic personal information will
continue to be maintained in accordance with this notice even if
in the future you decide to close your accounts with us or you become
an inactive customer. As used in this notice, the terms “you”
and “customer(s)” mean all of our consumer customers who
have a continuing relationship with us such as a deposit account,
loan, safe deposit box or IRA account where we act as custodian.
Visitors to this bank Website remain anonymous. We do not collect
identifying information about visitors to our site. We may use standard
software to collect non-identifying information about our visitors,
such as (1) Date and time our site was accessed; (2) IP address
(a numeric address given to our servers connected to the Internet);
(3) Web browser used; (4) City, State and country, etc.
The bank uses this information to create summary statistics and
to determine the level of interest in information available on our
site. Visitors may elect to provide us with personal information
via E-mail or online registration forms. This information is used
internally as appropriate, to handle the sender's request. It is
not disseminated or sold to other organizations. Some areas of our
Website may use a "cookie" temporarily stored in the visitor's
computer to allow the web server to log the pages you use within
the site and to know if you have visited the site before.
We hope that this notice will assist you in understanding how we
handle customer information and the measures we take to protect
your nonpublic personal information. If you have any questions regarding
this notice or have any concerns regarding your privacy, please
feel free to call us at (618) 939-8666.
1. What Information We Collect
We collect nonpublic personal information about you from the following
sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us or others;
- Information we receive from credit reporting agencies;
- Information that we receive in response to requests we make
to third parties about you to confirm any application information
or other data that you provide to us in connection with applying
for a loan or other financial product or service.
As used in this notice, the term “nonpublic personal information”
means any personally identifiable financial information about you
that is not publicly available that we obtain in connection with
providing a financial product or service to you. (For example, it
may include information such as your social security number, account
balance, payment history or assests)
2. We Do Not Disclose to Third Parties
We do not disclose any nonpublic personal information about our
customers, former customers or any other individuals or entities
to anyone, except as permitted or required by law. (for example,
we are permitted to disclose nonpublic personal information about
you to non-affiliated third parties retained to assist us in servicing
your loans or deposit accounts, to government entities in response
to subpoenas and to credit reporting agencies.)
3. What Information We Disclose to Our Marketing
Service Providers or Joint Marketing Partners
As permitted by law, we may also disclose all of the information
that we collect, as described in section 1 of this notice, to other
non-affiliated third parties, such as insurance providers, with
whom we have joint marketing agreements. In addition, in order to
provide you with the best products and services available, we may
also disclose such information to advertising agencies or other
market research companies that we may retain to provide marketing
services on our behalf.
4. Our Security Procedures for Protecting Customer
Information
We restrict access to nonpublic personal information about you
to those employees who need to know that information to provide
products or services to you. We maintain physical and procedureal
safeguards that comply with federal and state banking standards
to guard your nonpublic personal information.
This notice is effective as of April 16, 2001. Please note that
the examples used in this notice, such as, but not limited to, the
type of information we collect and disclose, are provided for illustrative
purposes and are not intended to be exclusive. We reserve the right
to change our privacy policies at any time subject to any prior
notice required under applicable law.
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