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Protecting your privacy is important to County Savings Bank and our
employees. We want you to understand what information we collect and how
we use it. In order to provide our customers with a broad range of
financial products and services as effectively and conveniently as
possible, we use technology to manage and maintain customer information.
The following policy serves as a standard for all
County
Savings Bank
employees for collection, use, retention, and security of nonpublic
personal information.
What Information We Collect
Nonpublic personal information may include, but may not be limited to,
your name, your home address and/or business address, your home and/or
business telephone number, your Social Security number, your loan
balance, payment history, savings account balance and overdraft history.
Information about customers is accumulated from a variety of sources.
Some information is provided directly by customers. Other data is
gathered as a result of our providing a product or a service to
customers. Still other information is obtained from outside sources,
such as credit bureaus.
We limit the use and collection of information about our customers to
that which we believe is necessary to administer our business, provide
quality service, and offer opportunities that we believe may be of
interest to our customers. This means that we will use information to
help us identify and mitigate potential risks and losses to the bank;
and to help us identify additional products and services which we
believe customers might want.
County Savings Bank does not sell customer information to nonaffiliated
third parties.
In accordance with the Federal Fair Credit Reporting Act, we do exchange
our customer's credit information with credit reporting agencies. We do
provide information about you and your transactions to government
agencies or regulators, and to law enforcement agencies where required
or allowed by law. Additionally, we disclose information to comply with
subpoenas, summons, and judicial process, and to prevent fraud or other
illegal activities.
In the course of our business, we maintain relationships with certain
nonaffiliated third parties who act as our agents. We may share
information about you with these companies to provide you with
convenient access to products and services and to enable us to perform
necessary business functions and services. This sharing is permitted by
law and the receiving agents are required to keep any information that
we give them secure and confidential. Examples of these agents include,
but are not limited to: Fiserv (Data Processing), Deluxe (Check
Printing), Master Card (Debit Cards), MAC, and our auditors.
We have never in the past, nor do we plan to disclose any nonpublic
personal information other than under the circumstances just stated.
Security Policies and Practices
County
Savings Bank takes steps to safeguard customer information. We restrict
access to your personal and account information to those employees who
need to know that information to provide products or services to you.
Employees who violate these standards will be subject to disciplinary
measures. We maintain physical, electronic, and procedural safeguards
that comply with federal standards to safeguard your nonpublic personal
information.
Your “Opt-Out” Rights
By Federal Regulations you are granted “opt-out” rights, which allow you
to tell us that you do not want your nonpublic personal information
disclosed to nonaffiliated third parties. These rights apply to certain
circumstances. At this time,
County
Savings Bank does not disclose information about our customers in the
circumstances to which these rights apply. Consequently, at this time
you do not have opt-out rights. If this situation should change, we will
notify you.
Ending Customer Relationships
If you should end your customer relationship with us, or if we should
end our relationship with you, we will continue to treat all personal
records and information as if you were still our customer.
At County Saving Bank, we value our customer relationships and recognize
and respect our customers’ privacy expectations. We want you to
understand both how we collect and use information, and our commitment
to ensuring your personal privacy. If you should have any questions or
comments, please contact your local branch office. |
