Privacy Policy
We,
our, and us, when used in this notice,
mean Southern Heritage 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
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 will tell you
what information we share about you with other entities. We will explain
what your rights are, and how you can exercise them. If you share an
account relationship with someone else, such as a joint account holder
or co-borrower, we suggest that you share this information with such
persons to ensure that each of you is aware of our policy and your options.
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
party, or simply, an "other party".
Opt out
means a choice you can make to prevent certain sharing of information.
We will explain how you can exercise this choice.
THE
INFORMATION WE COLLECT
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
THE
CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
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.
YOUR
INFORMATION AND OTHER PARTIES
We may disclose
information to other parties. Here are the kinds of information we disclose
to these other parties:
- Information you
give us on an application or other forms, such as:
You may opt out
of the disclosure of the information listed above.
Types of Other
Parties
We may disclose information about you to the following types of other
parties:
- Financial service
providers, such as:
We may also disclose
information about you to other parties as permitted by law.
Reasons for Disclosing
We may disclose information about you to other parties to provide you
with information about additional products and services.
Limitations on
Disclosure
Here are the limitations we impose on the use of information disclosed
to other parties:
- We only allow
direct mail solicitations.
INFORMATION
ABOUT FORMER CUSTOMERS
We do not disclose
information about former customers, except as permitted by law.
YOUR
RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION
Other Parties.
If you do not want us to share your information with other parties,
you can block the release of certain information. This is known as your
right to "opt out". Your decision to block the disclosure
of your information will apply to information collected from all products
and services you receive from us. If you have obtained one of more products
or services jointly, an opt out instruction by any party will be effective
for all of that party's information we have collected and for all information
collected in conjunction with the product or service for all other joint
parties. If one of you chooses to opt out, no information we have collected
about you will be shared, nor will we share information about any other
joint party collected in conjunction with the product or service.
Opt out forms can
be obtained at any Southern Heritage Bank location.
