As a customer of Murray State Bank, you provide us with important
information about yourself. We believe it is our responsibility
to safeguard your personal and financial information. While
some financial institutions share account owner information
with other businesses, we are committed to keeping your information
confidential.
We have developed the following privacy policy to ensure you
the confidentiality you deserve. You have our promise that we
will adhere to these guidelines. It is our pledge to you.
We , our , and us , when used in this notice, mean Murray State
Bank.
This is our privacy notice for our customers. When we use the
words “you” and “your,” we refer to
the following types of customers: All of our consumer customers
who have a continuing relationship with us, such as:
- Deposit account
- Loan account
- Safe deposit box
- Self-directed Individual Retirement Account where we
act as custodian or trustee
We will tell you the sources for nonpublic personal information
we collect on our customers. 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.
An affiliate is a company we own or control, a company that
owns or controls us, or a company that is owned by the same
company that owns or controls us. Ownership does not mean complete
ownership, but means owning enough to have control.
A nonaffiliated third party is a company that is not an affiliate
of ours.
We collect nonpublic personal information about you from the
following sources:
- Information we receive from you on applications or other
forms
- Information about your transactions with us
- Information about your transactions with nonaffiliated
third parties
- Information from a customer reporting agency
We restrict access to nonpublic personal 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 that comply with federal
standards to guard your nonpublic personal information.
We may disclose nonpublic personal information about you.
Here are the kinds of nonpublic personal information we may
disclose to our affiliates:
Transaction and experience information from our account record—information
about your transactions and experience with us, such as name
and address.
Federal law allows us to disclose the information listed above
with our affiliates. You do not have a right to opt out of
the disclosure of this information.
Types of Affiliates
We may disclose nonpublic personal information about you to
the following types of affiliates: financial service providers
such as insurance agents.
Reasons for Disclosure
The reason why we may disclose nonpublic personal information
about you to our affiliates is to provide our customers with
information about additional products and services.
Limitations on Disclosure
The limits we impose on the use of nonpublic personal information
disclosed to affiliatesis that we do not allow telephone solicitations.
We will not disclose nonpublic personal information about
you to anyone except as disclosed in this policy or as permitted
by law.
We do not disclose nonpublic personal information about former
customers, except as permitted by law.
We may disclose the following information to other financial
institutions with whom we have joint marketing agreements:
- Information you give us on an application or other forms,
such as:
- Name
- Address
- Social Security Number
- Assets
- Income
- Age
We 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.
Types of Businesses
We may disclose information pursuant to joint marketing agreements
to the following types of businesses:
- Financial service providers, such as:
- Securities broker-dealers
- Insurance agents
- Life insurers
- Property and casualty insurers
|
