Privacy Policy
We, our, and us, when used in this notice, mean Peoples Bank & Trust; and Whitaker Bank, Inc.
This is our privacy notice for our customers. When we use the words “you” and “your” we mean all of our consumer customers who have a continuing relationship with us, such as: Deposit Account, Loan Account, Credit Card, or Safe Deposit Box.
We will tell you the source for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
Term Definitions
- 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.
- 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 company that is not an affiliate of ours.
The Information that We Collect
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us
- Information about your transactions with our affiliates
- Information about your transactions with nonaffiliated third parties
- Information from a consumer reporting agency
The Confidentiality, Security, and Integrity of Your Nonpublic Personal Information
We restrict the access to nonpublic personal 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 that comply with federal standards to guard your nonpublic personal information.
Nonpublic Personal Information and Affiliates
We may disclose nonpublic personal information about you. We may disclose transaction and experience information to our affiliates such as: Name, Address, Account Balances, Account Activity, Types of Accounts, Credit Card Usage, Payment History, Deposit History, and Parties to the Transaction.
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.
Types of Affiliates
We may disclose nonpublic personal information about you to the following types of affiliates: Financial service providers such as Banks, Holding Company, and Data Processing Center.
Nonpublic Personal Information and Nonaffiliated Third Parties
We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.
Nonpublic Personal Information and Former Customers
We do not disclose nonpublic personal information about former customers, except as permitted by law.
Authorized Sharing – Joint Marketing
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:
- Nonpublic personal information we receive from you on an application or other forms, such as: Name, Address, Social Security Number, Date of Birth.
- Nonpublic personal information about your transactions with us, such as: Account Balances, Account Activity, Types of Accounts, Credit Card Usage, Payment History, and Deposit History.
Federal law allows us to 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. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
Types of Businesses
Here are the types of businesses with whom we may disclose nonpublic personal information under this section:
- Financial service providers, such as:
- Third party administrators
Children’s Online Privacy
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to web sites or online services directed to children under age 13, and that collect personal information from children. Our web site and online services are not directed to, nor do we collect information from, children under the age of 13.
