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 Protecting your privacy is important to McFarland State Bank. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain information.
“We”, “our” and “us”, when used in this notice, means McFarland 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:
All of our customers who have a continuing relationship with us, such as:
- Deposit Account
- Loan Account
- Credit Card Account
- Safe Deposit Box
- Self-Directed Individual Account
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.
"Nonpublic personal information" means information about you that we obtain 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.
A corporate family member 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 a company that is not a corporate family member. This is also known as a nonaffiliated third party, or simply, an “other party.”
The Information We Collect
We may collect "nonpublic personal information" about you from the following sources:
- Information we receive from you on an applications or other loan and account forms;
- Information about your transactions with us, our affiliates, or others; and
- Information we receive from third parties such as credit bureaus.
- Information we receive as a result of verifying customer information.
"Nonpublic personal information" is non public information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.
The Information We May Disclose
A. We may disclose the following kinds of nonpublic personal information about you:
- Information we receive from you on application or other loan and account forms, such as your name, address, assets, and income;
- Information about your transactions with us, our affiliates or others, such as your account balance, payment history, parties to transactions, and credit card usage; and
- Information we receive from credit bureaus, such as your creditworthiness and your payment history.
B. We may disclose the following kinds of nonpublic personal information about you to the following types of "affiliates" (ie., companies related to us by common control or ownership) and "nonaffiliated third parties" (ie., third parties that are not members of our corporate family).
- Financial service providers, such as mortgage bankers, securities brokers-dealers, and insurance agents;
- Non-financial companies, such as retailers, direct marketers, airlines, and publishers; and
- Others, such as non-profit organizations.
Your Information And Other Parties
We will not disclose information about you to anyone except as disclosed in the policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
Information About Former Customers
We do not disclose 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:
Information you give us on an application or other forms, such as:
- Name
- Address
- Telephone Number
Types of Businesses
We may disclose the information pursuant to joint marketing agreements to the following types of businesses:
Financial services provided, such as:
- Mortgage, life and disability insurance providers
- Credit card issuers
Reasons for Disclosing
We may disclose information about you to organizations with whom we have joint marketing agreements to provide our customers with information about additional products and services.
If you have a joint account, an opt out direction by either party will apply to the entire account.
Our Security Procedures
We also take steps to safeguard customer information. We restrict access to your personal and account information 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.
If you prefer that we not disclose nonpublic personal information about you, you may opt out of those disclosures by contacting us by using one of the following options:
- Call us at: 1-866-826-2265
- Visit us at: 5990 Highway 51, McFarland, WI 53558
- E-mail us at: accounting@msbonline.com
- Mail us at: P.O. Box 7, McFarland, WI 53558
Children’s Online Privacy
Our Web site is not directed toward children who are under the age of 13, and we do not knowingly collect personal information from children under 13 years of age. On the outside chance that someone under 13 years of age fills out a form to request information and we have knowledge of it, we will consider that to be a one-time request and delete the information which is considered an exception to the Children’s Online Privacy Protection Act Rule (COPPA).
Conclusion
You and the privacy of your information have always been important to us at McFarland State Bank. We hope this information has been helpful in understanding the steps we take to safeguard your information. If you have any questions, please feel free to call McFarland State Bank at 1-866-826-2265, stop by our location at 5990 Highway 51, McFarland, WI 53558, email us at accounting@msbonline.com or mail us at P.O. Box 7, McFarland, WI 53558.
APPROVAL
The board of directors approved this policy on August 20, 2008
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