FACTS |
WHAT DOES Exchange Bank of Northeast Missouri
DO WITH YOUR PERSONAL INFORMATION? |
Why? |
Financial companies choose how they share your personal information.
Federal law gives consumers the right to limit some but not
all sharing. Federal law also requires us to tell you how we
collect, share, and protect your personal information. Please
read this notice carefully to understand what we do. |
What? |
The types of personal information we collect and share
depend on the product or service you have with us. This information
can include:
- Social Security number and income
- Account balances and payment history
- Credit history and credit scores
When you are no longer our customer,
we continue to share your information as described in this notice.
|
How? |
All financial companies need to share customers' personal
information to run their everyday business. in the section below,
we list the reasons financial companies can share their customers'
personal information; the reasons Exchange Bank of NEMO chooses
to share; and wether you can limit this sharing. |
Reasons
we can share your personal information |
Does
Exchange Bank of NEMO share? |
Can
you limit this sharing? |
For our everyday business purposes—
such as to process your transactions, maintain
your account(s), respond to court orders and legal investigations,
or report to credit bureaus |
Yes |
No |
For our marketing purposes—
to offer our products and services to you |
Yes |
No |
| For joint marketing with other financial companies |
No |
We don't share |
For our affiliates’ everyday business purposes—
information about your transactions and experiences |
No |
We don't share |
For our affiliates’ everyday business purposes—
information about your creditworthiness |
No |
We don't share |
| For nonaffiliates to market to you |
No |
We don't share |
Who we are |
| Who is providing this notice? |
Exchange Bank of Northeast Missouri |
What we do |
How does Exchange Bank of NEMO
protect my personal information? |
To protect your personal information from unauthorized
access and use, we use security measures that comply with
federal law. These measures include computer safeguards and
secured fi les and buildings.
We restrict access to personal information to those employees
who need to know that information to provide products or services
to you. |
How does Exchange Bank of NEMO
collect my personal information? |
We collect your personal information, for example, when
you
- Open an account or apply for a loan
- Pay your bills or use your debit card
- make deposits or withdrawals for your account
We also collect your personal information from others, such
as credit bureaus or other companies. |
| Why can’t I limit all sharing? |
Federal law gives you the right to limit only
- sharing for affiliates’ everyday business purposes—information
about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional
rights to limit sharing. |
Definitions |
| Affiliates |
Companies related by common ownership or control. They
can be financial and nonfi nancial companies.
- Exchange Bank of Northeast Missouri does not share with
our affiliates.
|
| Nonaffiliates |
Companies not related by common ownership or control. They
can be financial and nonfi nancial companies.
- Exchange Bank of Northeast Missouri does not share with
nonaffiliates so they can market to you.
|
| Joint marketing |
A formal agreement between nonaffi liated financial companies
that together market financial products or services to you.
- Exchange Bank of Northeast Missouri doesn't jointly market.
|
