"We", "our", and "us", when used in this notice, mean Madison County Community Bank. 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
- Self-directed Individual Retirement Account
- Mortgage brokerage services
- Former customers
We will tell you the sources of the information we collect about you and what measures we take to secure that information. 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."
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
- Information we receive through our customer Identification Program.
INFORMATION WE DISCLOSE ABOUT YOU
We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
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 procedures safeguards to protect this information.
INFORMATION ABOUT FORMER CUSTOMERS
We have the same policy about disclosing information about former customers as we do about current customers.
AUTHORIZED SHARING - JOINT MARKETING
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:
- Information you give us on an application or other forms, such as:
We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.
State Limitations
AL, AK, CA, ID and VT - We will not share this information about customers who reside in Alabama, Alaska, California, Idaho or Vermont.
MA, MS, NJ - We will not share any information derived from deposit relationships with us about customers who reside in Massachusetts, Mississippi or New Jersey.
IL - We will not share this information about our customers who reside in Illinois with other parties.
Types of Businesses
We may disclose information pursuant to joint marketing agreements to the following types of businesses:
- Financial service providers, such as
- Private label credit card issuers
Reasons for Disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.
If you have any questions about our privacy policy, please feel free to contact us at the bank.
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