Protecting your privacy is important to us. We want you to understand the types of information we collect and how we use it. We provide a broad range of banking, investment and insurance products. We collect and use information to help us understand your needs and to provide you with financial products and services as effectively and conveniently as possible.
- We do not sell or share customer information with outside marketers.
This Privacy Statement applies only to our individual customers who obtain financial products or services from us primarily for personal, family or household purposes. The examples in this statement are for illustration only and are not a complete description of our information practices. This statement may change from time to time, and we will notify you of any significant change in the manner required by law.
This Privacy Statement serves as a standard for all our employees for collection, use, retention, and security of nonpublic personal information.
We collect certain nonpublic personal information about you in the process of providing you with a financial product or service. "Nonpublic personal information" is information about you that is not available from public sources.
We collect nonpublic personal information about you from a variety of sources, including:
- Information we receive from you on applications or other forms (such as your Social
Security number, annual income, financial assets, etc.)
- Information about your transactions with us, our affiliates and other parties (such as
your account balance, overdraft history and payment history)
- Information from a credit bureau and other consumer reporting agencies (such as
your credit history)
- Information we receive as a result of verifying customer information
- Information collected from our Online Banking system (such as information you
provide to us and information needed to manage your online banking sessions)
We limit the collection of nonpublic personal information to that we need to conduct our business, to provide superior service, and to offer you products, services and opportunities we think would be useful.
We are permitted under law to share certain types of information about you with companies related to us by common control or ownership ("affiliates"), including information about our experiences or transactions with you or your account (such as your account balance and your payment history).
In addition, unless you direct us not to do so, we may share "eligibility" information with our affiliates. We use "eligibility" information to evaluate your eligibility for our products and services. "Eligibility" information may include, for example:
- Information you have given us as part of an application (such as annual income,
financial assets, etc.)
- Information obtained from a consumer report or a credit bureau
- Information obtained from others regarding employment, credit, or other
relationships you may have with them
You can tell us not to share "eligibility" information with our affiliates by calling 336-783-3910 or by writing to us at Surrey Bank & Trust, Privacy Compliance, PO Box 1227 , Mount Airy , NC 27030 .
When two or more customers jointly obtain a financial product or service from us, we will treat a request not to share eligibility information made by one of the joint customers as applying only to that person unless that customer tells us that he or she is acting on behalf of other joint customers. We will process your request as quickly as we reasonably can.
We are permitted under law to disclose nonpublic, personal information about you to "nonaffiliated third parties" in certain circumstances. For example, we are permitted or required to disclose information about you to process your transactions and maintain or service your accounts, to report our experiences to credit bureaus, to protect against fraud or loss, or to respond to a subpeona or court order. In addition, we may share information with:
- Financial service providers (such as third parties that assist us in servicing your loan)
- Nonfinancial companies (such as companies that perform a service for us like check
printing or statement preparation)
- Financial Institutions with whom we have a joint marketing agreement
- Others as permitted by law
We may disclose to such nonaffiliated third parties any information that we collect, as described above. We carefully select the nonaffiliated third parties with which we do business. When we disclose your information to our service providers or under a joint marketing agreement, the company's right to use and redisclose the information we provide is limited by law or contract.
If you decide to close your account(s) with us, we will continue to treat the information we have collected about you in accordance with the privacy practices described in this notice.
An important part of our employee orientation and training program is the emphasis we place on customer confidentiality. All of our employees are aware of their responsibility with respect to customer information. We restrict access to nonpublic personal information about you to those employees who need to know that information to perform their duties.
We are committed to the security of your personal and financial information. All of our operational and data processing systems are in a secure environment, and we maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
We are committed to maintaining complete and accurate information about our customers. If you think any information we have about you or your account(s) may be incomplete or inaccurate, please notify us immediately. We will take prompt action to investigate your concerns, to make the appropriate corrections and to notify anyone with whom we may have shared inaccurate information.
If you believe we have incorrectly reported information about your account to any credit reporting agency, please let us know in writing. Your notice should include your complete name, current address, Social Security Number, telephone number, account number, type of account, the company you believe incorrectly reported the information, the specific item of dispute and the reason you believe the information is wrong.
Please send your notice to us at Surrey Bank & Trust, Privacy Compliance, PO Box 1227 , Mount Airy , NC 27030 . We will investigate your concern and make any necessary corrections to your records. We will inform you of any actions that we take.
We do not gather information on individual users on our web site. We may collect and store information about the name of the domain from which you access the Internet, the date and time you access our site, and the Internet address of the web site from which you linked to us. Other than that, we collect information on visitors only in the aggregate and use it for internal review purposes only. This information simply enables us to tell which areas of the site are of most interest to our users, which avenues of site promotions are most effective, and when peak usage times are.
Our web site does not require you to disclose any personal identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail shows about you, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.
We do not knowingly solicit data from children or conduct online marketing aimed at children.
With Online Banking, as with traditional banking methods, security is a primary concern. We have taken every reasonable precaution to be sure your information is transmitted safely and securely. The latest methods in Online Banking system security are used to increase and monitor the integrity and security of the system.
We use 128-bit encryption to "scramble" information that you send and receive via our Online Banking system. We also use "session variables" and special coding to ensure that no personal information is stored on your computer. Although your browser must be set to accept cookies in order to access Online Banking, no information is retained after you close your browser.
You may have additional privacy rights under state laws. We will comply with applicable state laws with regard to our information practices.
If you have any questions regarding our privacy policies or practices, please call us at 336-783-3910 or write to us at Surrey Bank & Trust, Privacy Compliance, PO Box 1227 , Mount Airy , NC 27030 .
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