Internet and E-Banking Privacy
West Chester Savings Bank, Washington, IA
At West Chester Savings Bank, we have always placed the highest priority on the confidentiality of our customers' personal and financial information. Consequently, our overall approach to Internet privacy is guided by and is essentially identical in all key respects to the Consumer Privacy Policy which governs the collection, confidentiality and use of nonpublic personal information throughout our organization. Please view our full Consumer Privacy Policy below and on the following page for details. In addition, it should prove helpful to you to review the following elaboration on the manner in which this policy is adapted to the use of our website and our online banking service.
Website Browsing
When you are simply visiting our website and not conducting business with us online or communicating with us via e-mail, you can browse on an anonymous basis. We will not request or collect personal information during your visit unless it is needed to complete a transaction that you begin or request. We do reserve the right to collect site utilization information which enables us to study and evaluate patterns and types of use. Information of this type includes the numeric IP server address of the service provider you utilize for Internet access, the type of web browsing software you're using to view our site, the date and time you access our site, and any linked site you may have utilized to connect to our site. This data is collected in the aggregate and does not provide a means of identifying individual visitors.
External Links
Our website includes links to other, external websites primarily as points of interest for the convenience of our visitors. While we link only to reputable sites, we cannot be responsible for any privacy issues on those sites. We encourage you to review the privacy policies of any external linked sites for further information.
Online Banking
When using our online banking service, you may be asked for and/or may voluntarily provide nonpublic personal information to us for the purpose of authorizing, initiating or facilitating a banking transaction. This information will always be used in a manner consistent with our Consumer Privacy Policy.
Financial Calculators
Our website provides access to a variety of financial calculators. They are provided to assist customers and the general public. We do not collect, save or use any information you might enter when using them.
Under some circumstances, e-mail is communicated via an unsecured, unencrypted connection and is not necessarily secure from interception and/or alteration. We encourage you not to include any confidential information in e-mail communications. Please contact us at (319) 653-2265 or at P.O. Box 517, Washington, IA 52353 for assistance with confidential matters. If you make an inquiry, request or comment by e-mail, your e-mail address and the information you provide will be forwarded to the appropriate individual or department within the bank for further action and, if appropriate, a response. The information you provide will always be handled in a manner consistent with our Consumer Privacy Policy.
Consumer Privacy Policy
At West Chester Savings Bank, we place the highest priority on your privacy and we believe that it should never be compromised. The following policy serves as the standard that all of our employees are expected to adhere to for the collection, use, retention and security of your nonpublic personal information. By providing this information to you, we trust that you will better understand how we keep your information private and secure while using it to serve you better.
What is "Nonpublic Personal Information?"
It is any personally identifiable financial information of a customer or a consumer. Any information is considered "financial" if requested by West Chester Savings Bank for the purpose of providing a financial product or service. For example, nonpublic personal information includes information regarding your account balances, payment history, overdraft history, employment, or personal information such as your Social Security number and birth date.
Our Security Procedures
We take a number of important steps to safeguard customer information. Chief among these is that we restrict access to and use of your personal and account information only to those employees who need to know your information to provide products or services to you. We also maintain stringent physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information held in our institution's records, including our computer systems..
Type of Information We Collect
We may collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms for our products and services, such as loan applications and
deposit forms;
- Information about your transactions with us, our affiliates or others; and
- Information we receive from third parties, such as credit bureaus and employers.
Types of Information We Disclose
We do not disclose any nonpublic personal information about you to anyone except as permitted by law. In such cases, information may be disclosed to others and to third parties only under certain circumstances.
For example, we may disclose nonpublic personal information about you to affiliates. We are permitted by law to share information about our experiences or transactions with you or your accounts (such as account balances and your payment history on accounts with us) with companies related to us by common control or ownership.
We may also disclose your name, address, and the fact that you are a customer of the bank to firms which assist us in informing or notifying you of our products and services for marketing purposes. These firms are required to handle this information in strict confidence.
We may also disclose nonpublic personal information about you to other third parties to assist us in processing, servicing, or maintaining a financial product or service you have requested or authorized.
We also disclose nonpublic personal information about you to government entities in response to subpoenas, and to credit bureaus.
Medical Information
We recognize that when a customer provides medical information for a specific purpose, they do not want it to be used for other purposes such as marketing or making a credit decision. If you provide us with personal medical information when requesting or using a financial product or service, we will not disclose the information unless authorized by you to do so.
Information of Former Customers
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 policy.
Policy Changes & Future Disclosures
If our privacy policy changes, you will receive a copy of our updated policy. Also, in compliance with federal law, you will receive a copy of our policy annually, regardless of whether it changes, as long as you remain a customer of our bank.
