|
You provide important information about yourself to a variety of businesses
and organizations. The same is true when you do business with our financial
institution. You’re asked to provide us with certain personal
information that helps us give you better service and complete your
transactions more effectively.
We work diligently to safeguard the information
you give to us. In fact, we developed the following policies to ensure
you confidentiality and
maintain your confidence in our institution. These policies detail the
strict standards we have in place. For this reason we ask that you please
read the following information carefully.
We, our, and us, when used in this notice, mean Central State Bank.
This is our privacy notice for our customers. When we use the words “you” and “your” we
mean the following types of customers:
- Our consumer customers who have
a continuing relationship by purchasing or holding financial products
or services such as a(n):
- Deposit account
- Loan account
- Safe deposit box
- Self-directed Individual Retirement Account
We will tell you the sources of the information we collect about you.
We will tell you what measures we take to secure that information. We
first define some terms.
Nonpublic personal information means information
about you that we collect in connection with providing a financial product
or service to you. Nonpublic
personal information does not include information that is available from
public sources, such as telephone directories or government records.
Hereafter,
we will use the term “information” to mean nonpublic
personal information as defined in this section.
An affiliate is
a company we own or control, a company that owns or controls us, or a company
that is owned or controlled by the same company that owns
or controls us. Ownership does not mean complete ownership, but means owning
enough to have control.
A nonaffiliated third party is
a person we do not employ or a company that is not an affiliate of ours.
This is also
known as nonaffiliated third, or
simply, an “other party”.
We collect information about you from the following sources:
- Information
you give us on applications or other forms
- Information about your
transactions with us
- Information about your transactions with other
parties
- Information from a consumer reporting agency
We do NOT disclose any information about you to anyone, except as
permitted by law.
Examples of this might include disclosures necessary to service
your account or prevent unauthorized transactions.
We restrict access to information about you to those employees
who need to know that information to provide products or
services to you.
We maintain
physical, electronic, and procedural safeguards to protect
this information.
We do not disclose information about former customers,
except as permitted by law.
Visiting our Web Site…..
We collect and store information about your visit to our web site, such
as
- How many people visit our site
- How many people return to our site
- Which page(s) people visit on our
site
- What time(s) people visit our site
These general statistics are used to monitor our site so we can determine
which parts of our web site are most useful. With this information,
we can continue to improve the site to most effectively serve the needs
of our existing and prospective clients. This site does not use cookies.
Our Web site does not require you to disclose any personally identifying
information. If, however, you choose to contact us via e-mail, please
keep in mind that your e-mail address and other information your e-mail
shows about you, such as your name or organization, will be revealed
to us via e-mail, we will use your e-mail information only for the
specific purpose of responding to your comments or questions. Your
e-mail address will not be sold, or shared with organizations outside
of the bank, unless we are compelled to do so by law or court order.
When you apply over the Internet for a Central State Bank account, we
collect personal information in order to process your application.
We may retain this information so that we can provide the products
and services you request. This information will not be sold, or shared
with organizations outside of the bank. Sometimes, however, it is
necessary to share personal information with business partners to
provide the product or service you have requested. For example, if
you request a credit card, we provide only the necessary information
to the appropriate partner so that this service can be fulfilled.
This partner adheres to using information only as directed by Central
State Bank.
Our employees are aware of the importance of client confidentiality
and privacy. All business with our clients is treated as strictly
confidential. Your information is available to only those employees
who have a legitimate business need and authorization to access the
data. We take appropriate disciplinary measures to enforce employee
privacy responsibilities.
From time to time we may solicit information from you to our guestbook,
or in connection with a giveaway or drawing. The disclosure of information
is entirely voluntary on your part and, if you choose to give it,
the personally identifying data will be used primarily to enable us
to contact you with additional information about our bank and its
products and services.
In order for Central State Bank to provide you with the maximum benefits
and service, we request that you keep your information as up-to-date
as possible. If you ever have questions or concerns regarding the
accuracy of your personal information at Central State Bank, please
contact us at 641-483-2505 or you may write us at 109 West Main,
State Center Iowa, 50247. We will investigate your concerns and
make any
changes as needed.
We reserve the right to change this policy at any
time by posting a new privacy policy.
|