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This policy contains important information about the privacy of
personal information that BELGRADE STATE BANK collects about its
customers and how that information is used
From the time it was founded, BELGRADE STATE BANK
has always valued its customers' privacy highly. We have protected
your confidential information in many ways over the years, and will
continue to do so using state-of-the-art measures. We never lose
sight of the fact that our customers' trust is our most treasured
asset. You can rest easy knowing that our corporate focus is the
protection of your privacy in your dealings with us. When the new
law took effect, we did not have to make any changes to our policy
or practices to be fully in compliance. If you ever have any
questions about the confidentiality of your information in our
hands, please call Julie Loughary at 573-438-5200. Every day, we
appreciate your business. Thank you for banking with Belgrade State
Bank, it truly is "A Wise Place to do Business"!
We collect nonpublic information about you from
the following sources:
Information we receive from you on applications to
us for our products and services and on other forms that you may
provide us.
Information that we receive from processing your accounts with us
and the transactions in those accounts, such as deposit accounts and
loans, as well as information that we receive from providing
services to you, such as funds transfer services.
Information we receive from a consumer reporting agency (commonly
known as a credit bureau).
Information that we receive in response to requests we make to third
parties about you or to confirm information that you have provided
to us, particularly in the process of evaluating application for
loans.
We may disclose the following kinds of nonpublic personal
information about you:
We may disclose information that we receive from
you on an application such as your assets, liabilities, income and
employment history (for example, in order to determine whether a
loan that you have applied for is saleable in the secondary market).
We may disclose information that we receive from you on an
application such as deposits or loans that you have with other
financial institutions, or your employment (for example, in order to
verify the accuracy of the information that you have provided us).
We may disclose information that we receive from you on an
application such as existing loan balances to be paid from our loan
proceeds (for example, to persons who will be involved in the
closing of the loan, such as attorneys and title companies).
We may disclose information that we receive from processing your
accounts with us, such as balance information (for example, to the
operator of the interchange that processes our ATM and debit card
transactions).
We may disclose information that we receive from processing your
accounts with us (for example, whether there are sufficient funds in
the account to pay a check that you have written, such as in
response to a merchant to whom you are giving a check in payment of
articles you have purchased).
We do not disclose any nonpublic personal information about our
customers or former customers to anyone, except as permitted by law.
The same policy also relates to former customers
of Belgrade State Bank.
It is the policy of Belgrade State Bank to assure
that the information it has about its customers is accurate. It is
also the policy of Belgrade State Bank that information it has about
its customers is highly confidential and should only be available to
persons who have a need for the information to properly service a
customer's account, act upon a customer's request or to fulfill that
person's job responsibility.
Belgrade State Bank has extensive security
procedures that insure that its confidentiality policy is followed.
Customer information is maintained in paper-based files and
databases in its automation systems. All paper-based files are kept
under the control of a file custodian. The custodian restricts
access to every file to bank personnel who have a need for access to
the information in the file to properly carry out his or her job
responsibility. The bank's automation systems have a complex set of
passwords, user identifications and terminal identifications that
limits each employee's access to information in the systems to that
information that he or she requires to properly carry out his or her
job responsibility.
Children
Children should always get permission from their parents before
sending any information about themselves (such as their names, email
addresses, and phone numbers) over the Internet, to us or to anyone
else. We won't knowingly allow anyone under 13 to register with any
of our sites or to provide any other personally identifying
information.
Visitors
Visitors to the Belgrade State Bank web site remain anonymous.
Belgrade State Bank does not collect identifying information about
visitors to our site.
Belgrade State Bank uses standard software to
collect non-identifying information about visitors, such as:
Date and time our site was accessed
IP address (a numeric address of servers connected to the Internet)
Web Browser used
Visitors may elect to provide us personal information via E-Mail or
online forms. Unless otherwise indicated, Information transmitted
and received through the Internet is subject to unauthorized
interception, diversion, corruption, loss, access, and disclosure.
This information is used internally to handle the sender's request.
It is not disseminated or sold to other non-affiliated
organizations. |
