We at the First Bank of Baldwin recognize a customer's right to privacy.
It is the policy and duty of the First Bank of Baldwin to protect (legally and morally) each customer's right to privacy. Financial institutions have a duty to safeguard a customer's sensitive information, and we at the First Bank of Baldwin are dedicated to meeting the expectations required of us by the customer.
We will tell you the sources for nonpublic 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.
We limit the collection, use, and retention of customer information.
The First Bank of Baldwin will collect, use, and retain customer information only when:
– The law allows it;
– It is useful for handling or reviewing the customer's account; and
– We are using the information for the bank's business interest or to provide a service to our customers.
We will not collect unnecessary information.
We aim to maintain accurate information.
We have established procedures to ensure a customer's financial information is kept current and accurate. Please notify us immediately if you believe an error has been made. We will then investigate the problem and take appropriate action in a timely manner.
The First Bank of Baldwin limits employee access to information.
Employee access to personally identifiable information concerning a customer is limited to those with a business reason to do so. The First Bank of Baldwin educates its employees annually on the importance of maintaining customer confidentiality. Employees are governed by a "code of conduct" that includes responsibility to protect the confidentiality of customer information and the appropriate disciplinary measures to enforce that responsibility.
We protect information via established security procedures.
The First Bank of Baldwin appropriately safeguards customer information according to security standards and procedures. This includes the use of access codes and passwords to prevent revealing information to unauthorized users.
We do not reveal specific information about your accounts or other personally identifiable data to parties outside our affiliated banks and companies for their independent use unless:
You request or authorize it;
– The information is provided to help complete a transaction initiated by you;
– The information is provided to a reputable credit bureau or similar information-reporting agency; or
– The disclosure is lawfully permitted or required. We do not provide account or personal information to companies for the purpose of independent telemarketing or direct mail marketing of any nonfinancial products or services of those companies.
We will insist our business partners adhere to the same privacy standards.
If the First Bank of Baldwin conducts business with third parties, we will require those vendors and suppliers to maintain the same conduct regarding the confidentiality of a customer's information.
The First Bank of Baldwin communicates its privacy information to its customers.
We want our customers to understand our commitment to privacy issues. All information regarding customer's confidentiality is available to the customer.