Our Privacy Policy
It is the policy of this institution to respect the privacy of our customers and to protect the security and confidentiality of your non-public personal information. We have established policies to: (1) insure the security and confidentiality of our customer’s records and information; (2) protect against any anticipated threats or hazards to the security or integrity of such records; and, (3) protect against unauthorized access to, or use of, such records or information which could result in substantial harm or inconvenience to any of our customers.
Non-Public Personal Information Collected
Non-public personal information is personally identifiable financial information that is provided by our customers, results from any transaction with our customers, or any service performed for our customers, or is otherwise obtained by our financial institution and is determined to be not publicly available. The above information may be obtained from applications or other forms you complete to open a deposit account, apply for credit, or obtain a financial service from our institution; information about your transactions with us or others; and, information we may receive from a consumer reporting agency. Specific personally identifiable financial information that we might collect includes, but is not limited to, the following: name, address, social security number, assets, income, account balance, payment history, parties to transactions, credit card usage, credit history and your creditworthiness.
Disclosure of Non-Public Personal Information
We do not disclose non-public personal information about you to anyone, except as permitted by law. If you decide to close your account(s), or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.
We restrict access to your personal and account information 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 standards to guard your nonpublic personal information.
Disclosure of Non-Public Personal Information to Service Providers
We may disclose all of the information we collect, as described above, to companies that perform statement preparation, data processing, electronic banking, or other services for us. We have entered into specific contracts that require the above mentioned service providers to maintain the confidentiality of the information provided and strictly restrict your personal information from being used for any purposes other than those for which the information is disclosed or as otherwise permitted by law.
Disclosure of Non-Public Personal Information as it Pertains to Joint Marketing Agreements
We may disclose specific information that we collect such as your name, address and telephone number, to other financial institutions (i.e. insurance companies) that we have joint marketing agreements with. This information will only be shared when you have opened a Real Community Bank Club Account or when you have applied for or obtained credit life or disability insurance coverage in connection with a loan product; and we have disclosed to you the additional benefits you may receive for doing so. Our contracts require our marketing partners to maintain the confidentiality of the information from being used for any purposes other than those for which the information is disclosed or as otherwise permitted by law. Furthermore, the financial institutions that we have joint marketing agreements with will not be given your account number, nor will they be permitted to initiate charges to your account without your explicit permission.
Privacy Questions
If you have any questions regarding how our financial institution handles your personally identifiable financial information, you may contact us by telephoning at (606)743-3141 or (606)725-4555 or writing to Bank of the Mountains, PO Box 309, West Liberty KY 41472.
Revised September 2009