Privacy Policy
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
Our Privacy Commitment to You
We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customer’s information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customer’s personal information, as well as personal information of all consumers who visit our institution and website.
We, our, and us mean The Union Bank Company.
This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of consumer customers who have a continuing relationship with us, such as:
- Deposit account;
- Loan account;
- Credit card;
- Safe deposit box;
- Self-directed Individual Retirement Account where we act as custodian or trustee; and
- Financial investment, or economic advisory services (for a fee).
We will tell you the sources for nonpublic personal information we collect on our customers.
We will tell you what measures we take to secure that information.
We first define some terms.
Non-public personal information means information about you that we collect in connection with providing a financial product or service to you. Non-public 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, such as your name, address, social security number, assets, and income;
- Information about your transactions with us, our affiliates, or nonaffiliated third parties, such as your account balance, payment history, parties to transactions; and
- Information from a consumer reporting agency, such as your creditworthiness and credit history.
INFORMATION WE DISCLOSE ABOUT YOU
We do not disclose any nonpublic personal information we collect about our customers or former customers to anyone, except as permitted by law.
The law does permit us to disclose your non-public personal information we collect to other parties, such as financial service providers, non-financial companies, and others. The following are some examples of where the law permits us to disclose your information we collect:
- At your consent or at your direction;
- For everyday business purposes, such as to process transactions, or maintain account(s);
- To respond to court orders and legal investigations;
- To report to credit bureaus;
- To protect the confidentiality or security of your records;
- To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability;
- Resolving consumer disputes or inquiries;
- In connection with an examination, audit, sale, merger, or transfer of accounts or business; and
- To comply with Federal, State, or local laws, rules and other applicable legal requirements.
SERVICE PROVIDERS AND JOINT MARKETING
We also may disclose any of the non public personal information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
You do not have a right to opt-out of the disclosure of information for these purposes.
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict 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.
