Privacy Policy

Rev. June 2013

 

 

FACTS What does UnionState 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 depend on the product or service you have with us. This information can include:

  • Social Security number
  • Credit history
  • Account balances
  • Credit card or other debt
  • Transaction or loss history
  • Checking account information
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 Union State Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does UnionState Bank 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 Yes No
For our affiliates’ everyday business purposes
information about your transactions and experiences
Yes No
For our affiliates’ everyday business purposes
information about your creditworthiness
Yes Yes
For nonaffiliates to market to you Yes Yes
To limit our sharing

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

Questions? Call our Opt Out Department at 1-855-468-6872 between 8:00 – 4:30 Monday through Friday

Mail-in-Form
Mark any/all you want to limit:

Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
Do not share my personal information with non-affiliates to market their products and services to me.
Name Mail to:
Union State Bank/Opt Out Department
P.O. Box 647
Pell City, AL 35125
Address
City, State, ZIP
Account #

What We Do
How does Union 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 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.

How does Union State Bank collect my personal information? We collect your personal information, for example, when you

  • Open an account
  • Apply for financing
  • Pay your bills
  • Provide account information
  • Seek advice about your investments

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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.

  • Our affiliates include:
    • Financial companies such as: UnionState Insurance.
Non-Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Non-affiliates we share with can include financial service providers, mortgage bankers, or they may be non-financial companies such as marketing companies or service providers.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include financial service providers.