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overview
and Philosophy
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used
in this notice, mean Sundown 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:
Our consumer customers who have a continuing relationship by
purchasing or holding financial products
Or services such as a (n):
-
Deposit Account
-
Loan Account
-
Safe Deposit Box
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.
We first define some terms.
Nonpublic personal information means information about you that we
collect 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. Hereafter, we will use the term "information"
to mean nonpublic personal information as defined in this section.
A nonaffiliated third party is a person we do not employ or a
company that is not an affiliated of ours. This is also known as
nonaffiliated third party or simply an "other party".
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with other parties
Information from a consumer reporting agency Return to the Top
INFORMATION WE
DISCLOSE ABOUT YOU
We do NOT disclose any information about you to anyone, except as
permitted by law. Examples of this might include disclosures
necessary to service your account or prevent unauthorized
transactions.
**We may report information about your account to credit bureaus.
Late payments, missed payments, or other defaults on your account
may be reflected in your credit report.
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF
YOUR INFORMATION
We restrict access to 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 to
protect this information.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as
permitted by law.
TEXAS NOTICE
This institution is chartered, licensed, or registered under the
laws of the State of Texas and by State law is subject to regulatory
oversight by the Texas Department of Banking. Any consumer wishing
to file a complaint against this institution should contact the
Texas Department of Banking.
Sundown State Bank also engages in the
business of selling checks as an agent for a company licensed under
the laws of the State of Texas and subject to regulatory oversight
by the Texas Department of Banking. Any consumer wishing to file a
complaint concerning sale of checks activities should contact the
Texas Department of Banking.
Consumers may file complaints with the Texas Department of Banking
by contacting the Department through one of the means indicated
below:
In Person or U.S. Mail: 2601 North Lamar
Boulevard, Suite 300, Austin, Texas 78705-4294
Telephone No.: 877/276-5554: Fax No: 512/475-1313
E-mail:
consumer.complaints@banking.state.tx.us:
Website:
www.banking.state.tx.us Return to the Top
Your Right To Correct
Mistakes
It is our goal to maintain complete accurate information about you
and your accounts. Should you ever believe that our records contain
inaccurate or incomplete information about you or your interests,
please notify us. We will promptly investigate your concerns and
correct any inaccuracies.
Under the Fair Credit Reporting Act, you have the right to notify us
if you believe we have reported inaccurate information about your
account to any Consumer Reporting Agency. Such notices should be
sent in writing and include your name, correct address, social
security number, telephone number, account number, type of account,
specific item of dispute and the reason you believe the information
reported is in error. Please send your notice to Sundown State Bank
at P. O. Box 548, Sundown, Texas 79372-0548. We will investigate
your concerns, and correct any inaccuracies, and confirm our actions
to you.
Our Commitment to You
You can count on us to keep you informed about how we protect your
privacy and restrict access to the information that you provide us –
whether it is obtained at a banking location, over the phone or
through the Internet.
Visitors to this bank Website remain anonymous. We do not collect
identifying information about visitors to our site. We may use
standard software to collect non-identifying information about our
visitors, such as:
The bank uses this information to create summary statistics and to
determine the level of interest in information available on our
site.
Visitors may elect to provide us with personal information via
E-mail, online registration forms, or our guest book. This
information is used internally, as appropriate, to handle the
sender's request. It is not disseminated or sold to other
organizations.
Some areas of our Website may use a "cookie" temporarily stored in
the visitor's computer memory (RAM) to allow the web server to log
the pages you use within the site and to know if you have visited
the site before.
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