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YOUR PRIVACY IS IMPORTANT TO US Protecting your privacy is very important to all of us at
Americana Community Bank. We
want you to understand what information we collect and how we use it.
In order to provide you 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 Americana
Community Bank employees for the collection, use, retention, and
security of nonpublic personal information. This policy applies to
customers who obtain a product or service primarily for personal,
family, or household purposes.
If you decide to close your account(s) or become an inactive
customer, we will continue to adhere to the privacy policies and
practices described in this notice.
If you have questions about these procedures or have a question
about the privacy of your information, you should call us at
763-494-5600 or toll-free at 888-273-2707.
OUR SECURITY PROCEDURES We begin by safeguarding the security and integrity of
customer information. We are
committed to protecting the security and integrity of customer
information through procedures and technology designed for this purpose.
For example:
·
We limit employee
access to customer information to those who have a business reason to
know this information.
Employees are required to honor our service standards, which include
standards to protect customer confidentiality. · We maintain policies and procedures covering the proper physical security of workplaces and records.
·
Our physical,
electronic, and procedural safeguards meet or exceed federal standards
regarding the protection of customer information.
·
We require independent
contractors and outside companies who work with us to adhere to strict
privacy standards through their contracts with us.
·
We use technological
means (such as backup files, virus detection and eradication software,
firewalls, and other computer software and hardware) to protect against
unauthorized access or alterations to customer data.
PERSONAL INFORMATION WE COLLECT We collect and maintain nonpublic personal information about
you as a part of servicing your account and your customer relationship.
In the course of serving you, we collect information about you
from a variety of sources, such as:
·
Information you provide
to us on applications or forms, such as your income and accounts with
others;
·
Information about your
transactions with us, our affiliates, or others;
·
Information we receive
from an outside company, such as a business or consumer reporting
agency, regarding your credit history or employment status. “Nonpublic personal information” is information about you
that we obtain in connection with providing a financial product or
service to you. For example,
nonpublic personal information includes information regarding your
account balance, payment history, and overdraft history.
We use nonpublic personal information to protect and administer
your records, accounts, and funds; to comply with certain laws and
regulations; to help us design or improve our products and services; and
to understand your financial needs so that we can provide you with
quality products and superior service.
PARTIES AND INFORMATION WE DISCLOSE We do not
disclose any nonpublic personal information about our customers or
former customers to anyone, except as permitted by law.
SERVICE PROVIDER / JOINT MARKETING EXCEPTION We may disclose all of the information we collect, as
described in section titled Personal Information We Collect, to
companies that perform marketing services on our behalf or to other
financial institutions with which we have joint marketing agreements.
TIPS TO HELP YOU PROTECT YOUR INFORMATION
Assistance to Victims
of Identity Theft If you suspect that someone has had unauthorized access to
your account with us, or access to your personal identifying
information, such as your Social Security Number or credit card
information, please notify us immediately so that we can take action to
protect you. Call us at
888-273-2707 or visit us at your nearest branch location. In addition, you should also report the crime to your local
law enforcement agency and to the Federal Trade Commission (FTC).
To speak with a trained FTC telephone counselor, call
1-877-IDTHEFT (1-877-438-4338).
Or to enter information about your complaint into a secure FTC
online database, sign onto
www.ftc.gov/idtheft.
The site also provides links to numerous consumer education
materials.
Additional Ways to
Limit Direct Marketing Offers Credit Reporting
Agencies -
If you would like to stop credit reporting agencies from disclosing your
information to companies who want to offer you credit or other products,
call the following toll-free number and follow the directions on the
recorded message: 1-888-567-8688 or visit
www.optoutprescreen.com
for more information. Direct Marketers
Mail
- The Direct Marketing
Association’s (DMA) Mail Preference Service lets you opt out of
receiving direct mail marketing from many national companies for five
years. When you register with this service, your name will be put on a
“delete” file and made available to direct-mail marketers. However, your
registration will not stop mailings from organizations that are not
registered with the DMA’s Mail Preference Service. To register with DMA,
send your letter to:
Direct Marketing
Association |
