NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean Glenwood State Bank.
This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:
- All of our consumer customers who have a continuing relationship by purchasing or holding financial products or services, such as:
- Deposit account
- Loan account
- Credit Card
- Safe deposit box
- Individual Retirement Account where we act as custodian
We will tell you the sources for non-public personal information we collect on our customers. We will tell you 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.
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 company that is not an affiliate of ours. THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us
- Information about your transactions with nonaffiliated third parties
- Information from a consumer reporting agency
We do not disclose any nonpublic personal information about you to anyone, except as authorized by law.
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal 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 that comply with federal regulations to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS We do not disclose nonpublic personal information about former customers, except as permitted by law.
INTERNET PRIVACY
Browsing our Site
When you visit our website to view any pages, read product information, or use our online tools, you do so
without telling us who you are and without revealing any personal information. While we do not collect
identifying information about visitors to our site, we do use standard software to collect information for the
strict purpose of tracking activity on our site. This allows us to better understand how many people use our
site and which pages and features are most popular. To evaluate the usefulness of our site, we may gather
and analyze data regarding usage such as:
- The name of your Internet Service Provider,
- The website that referred you to us (if any),
- The date and time the pages were accessed, and
- The page or pages you requested.
About "cookies"
To provide better service and a more effective web site, we use "cookies" as part of our interaction with
your browser. A "cookie" is a small text file placed on your hard drive by our web page server. We do not
use cookies to get data from your hard drive or to get your email address or personal identifying
information.
Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or
options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine
if you have previously visited our web site and for a number of administrative purpose.
How We Handle E-Mail
When you send us an e-mail to comment on something or to ask a question, we will use your e-mail
address to reply to you and for a limited time we will store your e-mail address, your message and our
response for quality assurance. We may also do this to meet legal and regulatory requirements. If we
collect your e-mail address in this manner, we won't use it to let you know about our products and services
unless you have given us permission.
This information is not given or sold to any other organization.
E-Mail Security
Regular non-encrypted Internet e-mail is not secure. In the instances where our Internet e-mail addresses
are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature. E-
mail you send us may not be secure unless we advise you that it is secure prior to transmitting your
message. Therefore, we recommend that you not send us confidential information such as social security or
account numbers via unsecured email. You may also contact us by phone, U.S. mail or by visiting your
nearest banking center.
On-Line Banking Security
When you bank online with us, we, along with the outside companies we work with to bring these services
to you, have access to your information. Information is retained on our system or the system of the
appropriate outside company, depending on what is required in order to serve you.
We use state-of-the-art Internet technology, supported by the outside companies we work with, to make
online banking secure and to protect your personal information. We also require an I.D. and password or
PIN to access your accounts. If you do not provide this information, we cannot establish an online banking
service for you.
You can also help safeguard your personal information by taking a few simple precautions. Protect your
account, PIN, and customer access numbers. Do not share your I.D. or password with anyone, change your
password regularly, and remember to sign off. Never disclose confidential information to unknown callers.
When banking on the Internet, be sure to use a secure browser and current virus detection software, and
never open e-mail from unknown sources.
Protecting your privacy online
Whenever we ask for personal information on our web site, we use Secure Socket Layer (SSL technology)
for transferring data. This technology encrypts - or scrambles - your account information so it's virtually
impossible to read by anyone other than employees at our Bank.
Secure Socket Layer (SSL) technology secretly encodes information that is being sent over the Internet
between your computer and our Bank, helping to ensure that the information remains confidential.
The use of SSL requires that you have an SSL compatible browser. While older browser versions may
support SSL sessions, we strongly recommends the following browsers.
- Windows and Unix operating systems:
Microsoft Internet Explorer 4.01 or later and Mozilla Firefox 2 or later.
- Macintosh:
Mozilla Firefox 2 or later and Apple Safari 2 or later.
You can download the latest version from either of the links below.
Microsoft Internet Explorer
Mozilla Firefox
Protecting your Children
Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of
your children, and we comply with the practices established under the Children's Online Privacy Protection
Act. We do not knowingly collect or retain personally identifiable information from consumers under the age
of thirteen. |
