WHAT DOES TBO BANK 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 disclose exactly 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:
- Social Security number and income account
- Account balances and payment history
- Credit history and credit scores
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 TBO Bank chooses to share; and whether you can limit this sharing.
| REASONS WE CAN SHARE YOUR PERSONAL INFORMATION | DOES TBO BANK 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 | Yes |
| For our affiliates’ everyday business purposes – information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For non-affiliates to market to you | Yes | Yes |
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions:
Visit us at www.tbobank.com.
WHO WE ARE
Who is Providing this Notice?
TBO Bank
WHAT WE DO
How does TBO Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
All information collected is stored in a technically and physical secure environment. We store and transmit information with SSL encryption software.
How does TBO Bank collect my personal information?
We collect your personal information, for example, when you give us your contact information or open an account use your credit or debit card or apply for a loan give us your income information. We also collect your personal information from other third parties, such as credit bureaus, 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 non-affiliates 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 everyone on your account.
DEFINITIONS
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
Our affiliates include Northeast Kansas Insurance Agency and Kendall Bank.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we can share with include mortgage companies, insurance companies, direct marketing companies, nonprofit organizations, and third-party service providers.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial services providers.
OTHER IMPORTANT INFORMATION
For Alaska, Illinois, Maryland, and North Dakota Residents: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization.
For California Residents: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi, and New Jersey Residents: We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing-without your authorization.
For Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
Revised Sept 2024