FACTS
What does Spiro State 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.
What?
The types of personal information we collect and share depends on the product or service you have with us. This information can include:
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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 Spiro State Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
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.
Does Spiro State Bank share?
Yes
Can you limit this sharing?
No
Reasons we can share your personal information
For our marketing. purposes –
to offer our products and services to you
Does Spiro State Bank share?
No
Can you limit this sharing?
We don’t share
Reasons we can share your personal information
For joint marketing with other financial companies
Does Spiro State Bank share?
No
Can you limit this sharing?
We don’t share
Reasons we can share your personal information
For our affiliates’ everyday business purposes –
information about your transactions and experiences
Does Spiro State Bank share?
No
Can you limit this sharing?
We don’t share
Reasons we can share your personal information
For our affiliates’ everyday business purposes –
information about your creditworthiness
Does Spiro State Bank share?
No
Can you limit this sharing?
We don’t share
Reasons we can share your personal information
For our affiliates to market to you
Does Spiro State Bank share?
No
Can you limit this sharing?
We don’t share
Reasons we can share your personal information
For nonaffiliates to market to you
Does Spiro State Bank share?
No
Can you limit this sharing?
We don’t share
QUESTIONS?
What We Do?
How does Spiro State 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 building.
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.
How does Spiro State Bank collect my personal information?
We collect your personal information, for example, when you
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We also collect your personal information from others, such as credit bureaus, affiliates, 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 non-affiliates 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 non-financial companies.
- Spiro State Bank does not share with our affiliates.
Non-Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
- Spiro State Bank does not share with non-affiliates so they can market to you.
Joint Marketing
A formal agreement between non-affiliated financial companies. that together market financial products or services to you.
- Spiro State Bank doesn’t jointly market.