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Privacy Policy OUR PRIVACY PLEDGE TO YOU As our customer, you provide us with important information about yourself. We believe it is our responsibility to safeguard your personal and financial information. We are committed to keeping your personal and financial information confidential. We have developed the following privacy policy to ensure you the confidentiality you deserve. You have our promise that we will adhere to these guidelines. It is our pledge to you. NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS We, our and us, when used in this notice, mean The Garnavillo Savings 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:
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.
THE INFORMATION WE COLLECT We collect information about you from the following sources:
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 OUR AFFILIATES We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information: Transaction and experience information from our account records: Information about your transactions and experience with us, such as:
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information. Other information not taken from transactions and experience: Information you give us on an application or other forms, such as:
Information we receive from a credit reporting agency, such as:
You may opt out of the disclosure of the information listed above. TYPES OF AFFILIATES We may disclose information about you to the following types of affiliates:
YOU HAVE THE RIGHT TO CHOOSE In this notice, we have explained our policy about the disclosure of certain information. Affiliates. We have explained the kinds of information we may disclose to our affiliates. We have also explained the kinds of affiliates with whom we may disclose the information. If you prefer that we do not disclose information to our affiliates you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law). Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. Remember, though, that your opt out will not apply to information we share that is related to your actual transaction and experience with one of us, which we make available to our affiliates. If you have obtained one or 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 of 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. If you wish to opt out of the disclosure of your information, you may do so by notifying us in writing at this address: The Garnavillo Savings Bank YOUR INFORMATION AND OTHER PARTIES We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions. 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 Affiliates. We are permitted to disclose information about our transactions or experiences with you to affiliates. You do not have the right to opt out of the disclosure of this particular type of information. We may also disclose other information to our affiliates (that is, information beyond our transactions and experiences with you), unless you tell us to not disclose this other information. Your decision to block the disclosure of your information will apply to information collected from all products ant services you receive from us. Remember, though, that your opt out will not apply to information we share that is related to your actual transaction and experience with one of us, which we make available to our affiliates. If you have obtained one or 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. If you wish to opt out of the disclosure of your information, you may do so by notifying us in writing by returning it to us at this address: The Garnavillo Savings Bank |
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