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FACTS |
WHAT DOES TROY BANK AND TRUST DO WITH YOUR PERSONAL INFORMATION? |
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Why? |
Financial companies choose
how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law
also requires us to tell you how we collect, share, and protect your
personal information. Please read this notice carefully to
understand what we do.
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What? |
The types of personal information we collect and
share depend on the product or service you have with us. This
information can include:
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- Social Security number
- Income
- Account balances
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- Payment history
- Transaction history
- Credit history
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How? |
All financial companies need to share
customers' personal information to run their everyday business. In
the section below, we list the reasons financial companies can share
their customers' personal information; the reasons Troy Bank and
Trust chooses to share; and whether you can limit this sharing.
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Reasons we can share your personal information
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Does Troy Bank
and Trust share? |
Can you limit this sharing? |
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For our everyday business purposes -
such as to process your transactions, maintain your account(s),
respond to court orders and legal investigations, or report to
credit bureaus
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Yes |
No |
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For our marketing purposes -
to offer our products and services to you
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No |
We don't share |
| For joint marketing with other
financial companies |
No |
We don't share |
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For our affiliates' everyday business purposes -
information about your transactions and experiences
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No |
We don't share |
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For our affiliates' everyday business purposes -
information about your creditworthiness
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No |
We don't share |
| For non-affiliates to market to
you |
No |
We don't share |
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Questions? |
Call 888-258-8769 or go to www.troybankandtrust.com |
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What We Do |
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How does Troy Bank & Trust protect my personal information? |
To protect your personal information from
unauthorized access and use, we use security measures that comply
with federal law. These measures include computer safeguards and
secured files and buildings.
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How does Troy Bank & Trust collect my personal information? |
We collect your personal information, for example,
when you
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- Open an account
- Apply for a loan
- Make deposits or withdrawals from your account
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- Give us your income information
- Provide your mortgage information
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We also collect your personal information from
others, such as credit bureaus, affiliates, or other companies.
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Why can't I limit all sharing? |
Federal law gives you the right to limit only
- sharing for affiliates' everyday business purposes - information about your creditworthiness
- affiliates from using your information to market to you
- sharing for non-affiliates to market to you
State laws and individual companies may give you
additional rights to limit sharing.
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Definitions |
| Affiliates |
Companies related by common ownership or control. They can be financial and non-financial companies.
- Our affiliates include: Henderson Bancshares, Inc.
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| Non-affiliates |
Companies not related by common ownership or
control. They can be financial and non-financial companies.
- Troy Bank and Trust does not share with non-affiliates.
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| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Troy Bank and Trust does not jointly
market.
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Other
Important Information |
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For Alaska, Illinois, Maryland and North Dakota
Customers. We will not share personal information with
non-affiliates either for them to market to you or for joint
marketing - without your authorization.
For California Customers.
We will not share
personal information with non-affiliates either for them to market to
you or for joint marketing - without your authorization. We will
also limit our sharing of personal information about you with our
affiliates to comply with all California privacy laws that apply to
us.
For Massachusetts, Mississippi and New Jersey
Customers. We will not share personal information from deposit
or share relationships with non-affiliates either for them to market
to you or for joint marketing - without your authorization.
For Vermont Customers.
We will not share
personal information with non-affiliates either for them to market to
you or for joint marketing without your authorization, and we will
not share personal information with affiliates about your
creditworthiness without your authorization.
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