Our
Privacy Pledge To You
Your trust is the foundation of our relationship. That is why we
work so diligently to safeguard your privacy.
As our customer you provide us with important information about
yourself. We believe it is our responsibility to safeguard your
personal and financial information. While some financial
institutions share account owner information with other
businesses, we are committed to keeping it confidential.
We have developed the following privacy policy to ensure you the
confidentiality you deserve. You have our promise that we will
adhere to these guidelines. It is our pledge to you.
Notice of Your Financial Privacy Rights
We, our, and us, when used in this notice, means
Laona State Bank. This is our privacy notice for our customers.
When we use the words “you” and “your” we mean the following
types of customers:
Our consumer customers who have a continuing relationship by
purchasing or holding financial products or services such as a(n):
- Deposit account
- Loan account
- Credit card account
- Safe deposit box
We will tell you the sources of the information we collect
about you. We will tell you what measures we take to secure that
information. We first define some terms.
Nonpublic personal information means information about
you that we collect in connection with providing a financial
product or service to you. Nonpublic personal information does
not include information that is available from public sources,
such as telephone directories or government records. Hereafter,
we will use the term “information” to mean nonpublic personal
information as defined in this section.
An affiliate is a company we own or control, a company
that owns or controls us, or a company that is owned or
controlled by the same company that owns or controls us.
Ownership does not mean complete ownership, but means owning
enough to have control.
A nonaffiliated third party is a person we do not employ
or company that is not an affiliate of ours. This is also known
as a nonaffiliated third party, or simply, an “other party.”
The Information We Collect
We collect information about you from the following sources:
- Information you give us on applications or other forms
- Information about your transactions with us
- Information about your transactions with other parties
- Information from a consumer reporting agency
- Information we receive as a result of verifying customer information
The Confidentiality, Security, And Integrity of Your
Information
We restrict access to information about you to those employees
who need to know that information to provide products or
services to you. We maintain physical, electronic, and
procedural safeguards to protect this information.
Your Information and Other Parties
We will not disclose information about you to anyone except as
disclosed in this policy or as permitted by law. Examples of
this might include disclosures necessary to service your account
or prevent unauthorized transactions.
Authorized Sharing – Joint Marketing
We may disclose the following information to others with whom we
have joint marketing agreements:
Information you give us on an application or other forms, such
as:
- Name
- Address
- Social Security Number
- Assets
- Income
We disclose the information listed above with other financial
institutions with whom we have joint marketing agreements. You
do not have a right to opt out of the disclosure of this
information.
Types of Businesses
We may disclose information pursuant to joint marketing
agreements to the following types of businesses:
Financial service providers, such as:
- Securities broker-dealers
- Private label credit card issuers
Reasons for Disclosing
We may disclose information about you to other financial
institutions with whom we have joint marketing agreements to
provide you with information about additional products and
services.
Information About Former Customers
We do not disclose information about former customers, except as
permitted by law.
Online Collection and Use of Your Personal Information
In the normal course of business, we do not ask for your name or
personal information while you are visiting this site. In order
to further protect our customer’s interest and privacy, we
request that you do not send us confidential information,
including your bank and credit card account numbers, social
security number, or any sensitive information over the Internet
or via email.
Notify Us of Inaccurate Information
Every effort is made to ensure our records of your information
are complete and correct. If you feel there may be an error in
our records or in a transaction you have done, please call or
write us at the telephone numbers or addresses listed. If you
think your statement or receipt is wrong or if you need more
information about a transfer listed on the statement or receipt,
please contact us as soon as you can. We must hear from you no
later than 60 days after we sent the FIRST statement on which
the problem or error appeared.
- Tell us your name and account number (if any).
- Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10
business days (20 business days if the transfer involved a new
account) after we hear from you and will correct any error
promptly. If we need more time, however, we may take up to 45
days (90 days if the transfer involved a new account, a
point-of-sale transaction, or a foreign initiated transfer) to
investigate your complaint or question. If we decide to do this,
we will credit your account within 10 business days (20 business
days if the transfer involved a new account) for the amount you
think is in error, so that you will have the use of the money
during the time it takes us to complete our investigation. If we
ask you to put your complaint or question in writing and we do
not receive it within 10 business days, we may not credit your
account. Your account is considered a new account for the first
30 days after the first deposit is made, unless each of you
already has an established account with us before this account
is opened.
We will tell you the results within three business days after
completing our investigation. If we decide that there was no
error, we will send you a written explanation.
You may ask for copies of the documents that we used in our
investigation.
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
