In order to enhance our ability to provide you with the best service possible, First Lowndes Bank (referred to as “FLB”, “we” or “us”) collect, use and share certain information about you. This policy explains what information we collect and with whom we share it. The practices described in this policy are applicable to all consumers, including current and former customers, who do business with us. The policy also explains how we protect the security and confidentiality of our customer information.
A. INFORMATION WE COLLECT AND SOURCES OF INFORMATION
We may collect information about FLB customers to help service and manage your account and to assist in offering services and products you may find valuable. We collect this information from a variety of sources, including:
- Information we receive from you on account application and other forms (e.g., your name, address, date of birth, social security number, and phone number);
- Information about your transactions and experiences with us (e.g., your account balance and transaction history);
- Information we obtain from a consumer reporting agency (e.g., your account number, account balance, and transaction history);
- Information we receive from our on-line services;
- Information we receive from public records; and
- Information we receive from outside sources relating to employment, credit or other relationships with you.
B. INFORMATION WE MAY SHARE WITH SERVICE PROVIDERS
As permitted by applicable law, we may disclose all information that we collect as described above to companies that perform services on our behalf or to other financial institutions with whom we have joint agreements. For example, we may disclose information in connection with the recording of mortgages or other security instruments in public records or share information with credit reporting agencies. We may disclose information in accordance with your authorization and consent.
C. INFORMATION WE SHARE
We do not disclose any nonpublic personal information about our customers or former customers except as described in paragraph B above and as required or permitted by law.
D. SECURITY AND CONFIDENTIALITY OF YOUR INFORMATION
We maintain policies to safeguard customer information. We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products and services to you. We also maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
E. CHANGES TO THIS POLICY
We may amend this policy at any time, and we will notify you of changes to its terms and conditions. In addition, we will provide customers a copy of this policy annually.
