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FACTS |
WHAT DOES
valley bank & trust, P O Box 966, Cherokee,
IA 51012
DO WITH YOUR PERSONAL INFORMATION? |
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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:
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Social Security
Number and Account
Balances
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Payment History
and Transaction
History
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Overdraft History
and Checking
Account Information
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
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
Valley Bank & Trust chooses to share; and
whether you can limit this sharing. |
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Reasons we can share your personal information |
Does Valley Bank & Trust 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 |
Yes |
No |
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For our marketing
purposes—
to offer our products and services
to you |
No |
We Don’t Share |
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For joint marketing with
other financial companies |
No |
We Don’t Share |
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For our affiliates’
everyday business purposes—
information about your transactions
and experiences |
No |
We Don’t Share |
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For our affiliates’
everyday business purposes—
information about your
creditworthiness |
No |
We Don’t Share |
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For nonaffiliates to
market to you |
No |
We Don’t Share |
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Questions? |
Call 712-225-6117 |
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Valley Bank & Trust, P O Box 966, Cherokee, IA 51012 |
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Page 2 |
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What we do |
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How does
Valley Bank & Trust
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. |
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How does
Valley Bank & Trustcollect
my personal information? |
We collect your personal
information, for example, when you
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Open an account or Apply for a loan
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Use your debit card
or Give us your income information
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Show your government-issued ID
We also collect your personal information from others, such as
credit bureaus, affiliates, or other companies. |
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Why can’t I limit all sharing? |
Federal law gives you the right to
limit only
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sharing for affiliates’ everyday business purposes—information
about your creditworthiness
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affiliates from
using your information to market to you
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sharing for nonaffiliates to market to you
State laws and individual companies
may give you additional rights to limit sharing.
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Definitions |
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Affiliates |
Companies related by common
ownership or control. They can be financial and nonfinancial
companies.
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Valley Bank & Trust does not share with our affiliates
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Nonaffiliates |
Companies not related by common
ownership or control. They can be financial and nonfinancial
companies.
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Valley Bank & Trust does not share with nonaffiliates so they
can market to you
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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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Valley Bank & Trust doesn’t jointly market
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Other
important information |
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