Privacy Policy Community Bank and Trust
What Does Community Bank & Trust-West Georgia Do With Your Personal Information
| 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. |
| What? | The types of personal information we collect, and share depend on the product or service you have with us. This information can include: • Application Information: This is the information you provide us on applications and through other means as part of an application process. • Transaction and Experience Information: This includes information about your transactions and account experience, as well as information about our communications with you. • Consumer Reporting Information: This includes the information and consumer report we may obtain from a consumer reporting agency. • Social Security Numbers and Employment Information. • Information from Outside Sources: This could include information we receive regarding your tax records, employment, credit, or other relationships. • Survey and Research Information: This includes information you provide to us through a survey or research questions we may ask you. • Other General Information: This includes information from outside sources such as public records. When you are no longer our customer, we continue to share your information as described in this notice. |
| 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 Community Bank & Trust-West Georgia chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does CB&T share? | Can you limit this sharing? |
|---|---|---|
| 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 | Yes | No |
| For our marketing purposes— to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes— information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes— information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates to market to you | Yes | Yes |
| To limit our sharing | Call: 844-845-2160 Email: optout@redapplebank.com Please note: If you are a new customer, we can begin sharing your information 30 days from the date you receive this notice. When you are no longer our customer, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
| Questions? | Call: 844-845-2160 Website: www.redapplebank.com/SLFL |
| Who we are |
| Who is providing this notice? | Community Bank & Trust-West Georgia, Member FDIC, and its subsidiaries and affiliates, is providing this privacy notice and it applies to products and services provided by the Bank. This privacy notice also applies to our associated agents and service providers that may provide services on our behalf. |
| What we do |
| How does Community Bank & Trust-WGA protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with industry standards and applicable laws. These measures include computer safeguards and secured files and buildings. We restrict access to your personal information to those employees who need to know it to provide products and services to you. |
| How does Community Bank & Trust-WGA collect my personal information? | We collect your personal information, for example, when you • Submit any application • Open a Refund Account or deposit your IRS Tax Refund • Apply for or make payments on a loan • Give us any tax return information • Give us your contact information • Tell us where to send your money • Provide account information • Show us your government-based identification • Respond to a survey or research questions We also collect your personal information from others, such as your Tax Preparer, our affiliates, or other companies. |
| 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 nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to all users of the account. |
| Definitions |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include: • Community BankShares. Inc., Lendesca, LLC |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates, we share with include financial services companies such as our third-party partners, certain marketing partners, your Tax Preparer, collection agencies, service providers (i.e., those companies that provide a service on our behalf that is a necessary part of the product or service you are requesting), consumer reporting agencies, contract buyers, investors, database providers, and others. |
| Joint marketing | Formal agreements between nonaffiliated financial companies that together market financial products or services to you. Our joint marketers may include financial services companies and other types of marketing partners. |
| Other important information |
| For California residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example with your consent or to service your account. We will limit sharing with our affiliates to the extent required by California law. For Vermont residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example with your consent or to service your account. We will not share information about your creditworthiness with our affiliates other than as permitted by Vermont law, unless you authorize us to make those disclosures. |