Rev.01/2019 |
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| FACTS | WHAT DOES INDEPENDENT FARMERS BANK 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. |
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What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice. |
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How? |
All financial companies need to share customer's 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 Independent Farmers Bank chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Independent Farmers Bank share? | Can you limit this sharing? |
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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 |
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For our marketing purposes -
to offer our products and services to you |
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| For joint marketing with other financial companies |
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For our affiliates' everyday business purposes -
information about your transactions and experiences |
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For our affiliates' everyday business purposes -
information about your creditworthiness |
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| For nonaffiliates to market to you |
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Questions? |
Call (816)449-2182 or go to www.farmbank.net |
What We Do |
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| How does Independent Farmers Bank 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 files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. |
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| How does Independent Farmers Bank collect my personal information? |
We collect your personal information, for example, when you
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| Why can't I limit all sharing? |
Federal Law gives you the right to limit only
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Definitions |
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| Affiliates |
Companies related by common ownership or control.
They can be financial and non-financial companies.
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| Nonaffiliates |
Companies not related by common ownership or control.
They can be financial and non-financial companies.
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| Joint Marketing |
A formal agreement between nonaffiliated financial companies
that together market financial products or services to you.
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Other Important Information |
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For Alaska, Illinois, Maryland and North Dakota Customers.
We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization. |
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Use, Collection and Retention of Customer Information
Independent Farmers Bank utilizes your personal information to administer your business with us. It helps us to properly identify you and your accounts and to assist you with any questions you may have in regard to these accounts. We also use this information to customize products, services and other opportunities we may have just for you.
Maintenance of Accurate Information
It is our policy to keep your financial information as accurate, current and complete as possible in accordance with reasonable commercial standards.
Employee Access and Use of Customer Information
All Independent Farmers Bank employees are obligated to keep customer information confidential. Their obligation still exists even if no longer employed by Independent Farmers Bank.
Restrictions on the Disclosure of Account Information
Specific information about our customer accounts, including personal data, is not disclosed to unaffiliated third parties for independent use, unless:
- The information is provided to help complete a customer initiated transaction;
- The customer requests it;
- The disclosure is required by/or allowed by law;
- The customer has been informed about the possibility of such disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline (i.e. "opt out").
Review Your Information or Report Suspected Misuse
If you would like to review your customer information on file at Independent Farmers Bank, or report a suspected misuse of your information by way of an online environment (e.g., Internet Banking, the IFB webpage, Facebook, etc...), please call the Independent Farmers Bank at 1-816-449-2182 and ask to speak to a Bank Officer. You may also stop by the Bank and speak to an Officer in person.