Privacy and Security
The Poca Valley Bank does NOT collect personal information on anyone visiting our Website.
Protecting your privacy is important to us and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a choice of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. This notice describes how we handle information and our commitment to protecting your privacy. It serves as a standard to all of our employees regarding collection, use, retention, and security of nonpublic personal information.
SECURITY OF NONPUBLIC PERSONAL INFORMATION
We take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.
NONPUBLIC PERSONAL INFORMATION WE DISCLOSE and/or COLLECT
We may disclose/collect the following kinds of nonpublic personal information about you:
- Information we receive from you on applications or other forms, such as social security number, assets, and income.
- Information about your transactions with us, our affiliates, or others, such as
- Your Account Balance
- Payment History
- Parties to Transactions
- Credit Card Usage
- Information we receive from a consumer reporting agency, such as your credit worthiness and credit history.
PARTIES TO WHOM WE DISCLOSE/COLLECT NONPUBLIC PERSONAL INFORMATIONAFFILIATES:
We are permitted under law to share information about our transactions and experiences with you and your accounts such as:
- Name and Address
- Account Types along with their Balances and Activity
- Payment and Deposit History
- Credit Card Usage
We do not disclose any nonpublic personal information about you to our affiliates, except as permitted by law. Our affiliates are The Poca Valley Bank, Inc., Poca Valley Financial, Inc., Hays & Company, Inc., and Poca Valley Title Insurance Company. Other information may be shared to our affiliates, but only with your consent or at your direction.
THIRD PARTIES:
We also are permitted under law to disclose nonpublic personal information about you to “non-affiliated third parties” (i.e., third parties that are not members of our corporate family) in certain circumstances. We may disclose the information we collect about our customers as described above to third parties for a variety of purposes, including:
» To companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements;
» To government, regulatory and legal authorities in response to a subpoena, to prevent fraud, to comply with an inquiry by a government agency or regulator, or as necessary for other legal purposes;
» To third parties that perform services for us in processing or servicing of your transaction, and otherwise as permitted by law; and
» To third parties with your consent or at your direction.
We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.
If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
FAIR CREDIT REPORTING ACT DISCLOSURE
Under the Fair Credit Reporting Act, we have a right to share with our affiliates information regarding our transactions or experiences. It also permits us (with opt-out provisions) to share any “other information” about you with our affiliates (persons related by common ownership or affiliated by corporate control, now or in the future) either directly or indirectly. This “other information” may include, but is not limited to, application information, credit reports from a consumer reporting agency, and any other information we have about you. It is our policy not to share information with our affiliates except where allowed by regulation or law. Your written consent will be obtained any time “other information” is desired to be shared.
