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This is our privacy commitment to you. We, our, and us, when used in this notice, means American Bank & Trust. This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:
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.
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
All American Bank & Trust employees are responsible for protecting the confidentiality of customer’s financial and other personal information. Employees are bound by this Privacy Policy and are educated on implementing our privacy commitment in regard to information security. Only employees actively engaged in their assigned duties are authorized to access or use customer information. We maintain physical, electronic and procedural safeguards to comply with federal standards to store and secure information about you.
NON-PUBLIC PERSONAL INFORMATION WE COLLECT
We will first define some terms.
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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.
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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.
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A
non-affiliated third party is a company that is not an affiliate of ours.
THE INFORMATION THAT WE COLLECT
We collect non-public personal information about you from the following sources:
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Information we receive from you on applications or other forms
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Information about your transactions with us
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Information
about your transactions with our affiliates
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Information about your transactions with nonaffiliated third parties
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Information we receive from a consumer reporting agency
NON-PUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
We will not disclose your non-public personal information to non-affiliated third parties, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
NON-PUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose non-public personal 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:
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Non-public personal information we receive from you on an application or other form, such as: name, address, social security number, or date of birth
Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose non-public personal information about you to non-affiliated third parties as permitted by law.
TYPES OF BUSINESSES
Here are the types of businesses with whom we may disclose non-public personal information under this section:
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Financial service providers, such as insurance agents
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Financial institutions providing benefit plans and trust services
REASONS FOR DISCLOSING
Here is why we may disclose non-public personal information about you to other financial institutions with whom we have joint marketing agreements:
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