CUSTOMER PRIVACY EXPECTATIONS
At First State Bank Livingston Texas, (FSB) we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority for FSB. To that end, the Bank has adopted the following Policy intended to preserve the integrity of customer information.
USE, COLLECTION AND RETENTION OF CUSTOMER INFORMATION
FSB will collect, retain, and use information about our customers only when we believe that it will help administer our business or provide products, services or other opportunities to you. Information about you will be collected and retained only for specific business purposes - and we will tell you why we must gather and retain the information. We will use this information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with superior service. We will use this information only in accordance with the principles set out in this Policy.
MAINTENANCE AND ACCURACY OF CUSTOMER INFORMATION
FSB is committed to maintaining complete and accurate information about you and your accounts, and we employ reasonable measures to ensure the accuracy, timeliness and thoroughness of this information. Should you believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and pledge to correct any inaccuracies in a timely manner.
LIMITING EMPLOYEE ACCESS TO CUSTOMER INFORMATION
At FSB, only employees who need customer information to perform their duties are authorized to access personally identifiable customer information. Employees are educated that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available. Because of the importance of these issues, all FSB employees are responsible for maintaining the confidentiality of customer information and employees who violate this Policy will be subject to disciplinary measures.
SECURITY PROCEDURES TO PROTECT CUSTOMER INFORMATION
FSB maintains security standards and procedures to help prevent unauthorized access to confidential information about our customers. All of our operational and data processing systems are in a secure environment that protects customer information from being accessed by third parties. The Bank will update and audit the technology on an ongoing basis to ensure the protection and integrity of customer information.
RESTRICTION ON THE DISCLOSURE OF ACCOUNT INFORMATION
FSB will not reveal specific information about your accounts or other personally identifiable data to unaffiliated third parties for their independent use unless:
- You request or authorize it.
- The information is provided to help complete a transaction you initiated.
- The disclosure is made to a reputable credit bureau or similar information-reporting agency.
- The disclosure is required or allowed by law (i.e. subpoena, investigation of fraudulent activity, etc.).
We do not provide account or personal information to companies unaffiliated with FSB for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.
Information Regarding Use of First State Bank's Web Site
First State Bank Livingston Texas collects and stores information about the name of the domain from which you access the Internet, the date and time of access to our site, and the Internet address of the Web site from which you linked to us. Other than that, FSB collects information on visitors to our Web site only in the aggregate and uses it for internal review purposes only. This information enables the Bank to tell which areas of the site are of most interest to our users, which avenues of site promotion are the most effective, and when peak usage times are.
First State Bank Livingston Texas's Web site does not require you to disclose any personally identifiable information unless you apply for a product or service offered by FSB. If, however, you choose to contact us via e-mail, the e-mail address and any other information reflected in the e-mail header, such as your name or organization, will be revealed in the e-mail. Your e-mail information will be used for the specific purpose of responding to your questions or comments. It is FSB's pledge that your e-mail address will not be sold or shared with others outside the Bank unless we are compelled to do so by applicable law.
MAINTAINING CUSTOMER PRIVACY IN BUSINESS RELATIONSHIPS WITH THIRD PARTIES
It is sometimes necessary to provide personally identifiable information about our customers to a third party, such as a vendor or service provider, hired by FSB to provide additional services. Any third party used by FSB must agree to adhere to strict privacy guidelines that safeguard confidential information about our customers and abide by applicable law.
DISCLOSURE OF COMPLAINT PROCEDURES
The First State Bank of Livingston is chartered under the laws of the state of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against the First State Bank of Livingston should contact the Texas Department of Banking.
First State Bank of Livingston also engages in the business of selling money orders and travelers checks as an agent for American Express, which company is licensed under the laws of the State of Texas and is subject to regulatory oversight by the Texas Department of Banking.
Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:
In Person or by U.S. Mail:
2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294
Telephone No.: (877) 276-5554
Fax No.: (512) 475-1313
NOTIFICACIÓN DE TEXAS
Esta institutciôn ha sido constituda, ha obtenido su habilitaciôn, o ha sido inscripta conforme a tas leyes del Estado de Texas. y, según establece la ley del estado, está sujeta a la supervisión regulatoria del Texxas Department of Banking.
Todo consumidor que desee presentar una queja contra esta institución deberia ponerse en contacto el Texas Department of Banking a través de alguno de los medios que se indican a continuación:
En la persona o por correo oficial:
2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294
Por teléfono: (877) 276-5554
Por Fax: (512) 475-1313
Por correo electrónico: firstname.lastname@example.org
Sitio web: http://www.banking.state.tx.us/
DISCLOSURE OF PRIVACY PRINCIPLES TO OUR CUSTOMERS
At FSB, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how FSB protects your confidential information, please call your local branch or e-mail us at email@example.com.