Notice of Your Financial Privacy Rights
This is our privacy notice for our customers.
When we use the words "you" and "your" we mean the following
types of customers;
All of our consumer customers who have a
continuing relationship with us, such as:
- Deposit account
- Loan account
- Credit card
- Safe deposit box
- All IRA Accounts for which we act as custodian
We will tell you the sources for nonpublic
personal information we collect on our customers. We will tell you what measures
we take to secure that information.
We must first define some terms.
- We, our, and us means The Four County Bank.
- 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.
- An affiliate is a company we own or control, a
company that owns or controls us, and 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 company that
is not an affiliate of ours.
The Information That 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
- Information about your transactions with our
affiliates
- Information about your transactions with
nonaffiliated third parties
- Information from a consumer reporting agency
We do not disclose any nonpublic personal
information about you to anyone, except as authorized by law.
The Confidentiality, Security and Integrity of
Your Nonpublic Personal 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, electronic, and
procedural safeguards that comply with federal regulations to guard your
nonpublic personal information.
Nonpublic Personal Information and
Nonaffiliated Third Parties
Since we value our customer relationship with
you, we will not disclose your nonpublic personal information to nonaffiliated
third parties, except as permitted by law.
Nonpublic Personal Information and Former
Customers
We do not disclose nonpublic personal information
about former customers.
The Four County Bank Customer Information and
Privacy Policy
Introduction
At The Four County Bank we are committed to
protecting the privacy of customer information. Our mission is to meet the
desires of our customers and respect the privacy of customer information in bank
records. In our commitment to protecting our customers’ privacy, we have
adopted the following privacy principles.
Recognition of a Customers’ Expectation of
Privacy
We recognize that you have a right to expect your
personal financial information to remain private and secure. Since our customers
are our most important asset, safekeeping of customer information is a priority
to maintain your trust.
Customer Benefits of Institution’s
Information Management Practices
We collect, retain, and use information about you
only where we reasonably believe it will help administer our business or provide
products, services and other opportunities to you. We will tell you why we are
collecting and retaining it upon your request. We use 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.
Maintenance of Account Information
We continually strive to maintain complete and
accurate information about you and your accounts. Should you ever believe that
our records contain inaccurate or incomplete information about you, please
notify us. We will investigate your concerns and correct any inaccuracies.
Limitations of Employee Access to Information
Each Employee at the Four County Bank is required
to follow our company’s Privacy Policy. Employees are educated and trained on
importance of maintaining the confidentiality of customer information accessible
to them which is used solely for the purpose of providing our customers with the
finest services available. Appropriate disciplinary action is taken if this
policy is not adhered to.
Protection of Information Via Established
Security Procedures
All of our operational and data processing
systems are in a secure environment that protects your account information from
being accessed by unauthorized third parties. We update our computers and other
technology to assure the integrity and security of our information systems.
Restrictions on Disclosure of Account
Information
We do not reveal specific information about
customer accounts or other personally identifiable data to unaffiliated third
parties for their independent use, unless you request or authorize the release
of information; the information is provided to help complete a transaction
initiated by you; the information is provided to a reputable credit bureau or
similar information reporting agency; the disclosure is required by or allowed
by law (e.g. subpoena, investigation of fraudulent activity, request by
regulators, et.) We do not provide account or personal information for the
purpose of independent telemarketing or direct mail marketing.
Maintaining Your Privacy When We Do Business
Outside Our Organization
It is sometimes necessary to provide personally
identifiable information to a party outside our organization. When the bank
conducts business with third parties, we require vendors and suppliers to
maintain similar standards of conduct regarding privacy of personally
identifiable information provided to them.
Providing Privacy Information to Customers and
Responding to Inquiries
We want you to understand how we use the
information you provide and our commitment to ensuring your personal privacy. If
you have any questions about how The Four County Bank protects your confidential
information, please contact us at 959 Main Street, Allentown, Georgia or call
(478) 962-3221.
