PRIVACY POLICY - BANK
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
This privacy notice is for our customers. When we use
the words "you" and "your," we mean the following types of
customers:
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All of our consumer customers who have a
continuing relationship with us, such as:
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Deposit account
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Loan account
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Visa®
CheckCard, PULSE card®, or Credit Card |
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Safe Deposit box
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All IRA accounts which we act as custodian or
trustee
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Financial, investment, or economic advisory
services (for a fee)
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Home mortgage brokerage
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We will disclose the sources for nonpublic
personal information we collect on our customers. We will also inform you
of what measures we take to secure that information.
DEFINITIONS
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We, our, and us means Community
Business Bank (CBB), Community Business Bancshares, Inc. and the CBB
Investment Center.
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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.
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An affiliate is a company we own or
control, a company that owns or controls us, or a company that is owned or
controlled by the same company that owns or controls us. Ownership
does not mean complete ownership, but means owning enough to have control.
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A nonaffiliated third party is a
company that is not an affiliate of ours.
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INFORMATION THAT WE COLLECT
We collect nonpublic personal information from
the following sources:
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Information we receive from you on
applications or other forms, such as name, address, employment, assets,
income, etc;
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Information about your transactions with us,
such as your account balance, payment history, and parties to transactions;
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Information about your transactions with our
affiliates;
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Information about your transactions with
nonaffiliated third parties; and
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Information from a consumer reporting agency,
such as your credit worthiness and payment history.
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CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC
PERSONAL INFORMATION
We restrict access to nonpublic personal
information about you to those staff members who need to know that information
to provide financial products or services to you. We maintain physical,
electronic, and procedural safeguards that comply with federal regulations to
guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD
PARTIES
We value our customer relationship with
you. We do not disclose your nonpublic personal information to
nonaffiliated third parties, except as permitted by law.
AUTHORIZING SHARING-JOINT MARKETING
We may disclose the following information to
other financial institutions with whom we have joint marketing agreements:
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Nonpublic personal information we receive
from you on an application or other forms, such as your name and address.
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Federal law allows us to disclose the information
listed above with other financial institutions with whom we have joint marketing
agreements. We may also disclose nonpublic personal information about you
to nonaffiliated third parties as permitted by law.
These third party businesses or financial service
providers may include, but are not limited to:
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Insurance providers
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Credit card issuers
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Broker Dealer
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NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMER
When you end your relationship with us, or when
we end our relationship with you, we will treat the information we have about
you as if you were still our customer.
IN CONCLUSION
Again, we want to stress the importance of your
privacy, and the steps we are taking to ensure it. We hope this
information has been helpful to you in understanding the policies and procedures
we have to safeguard your information and protect your right to privacy.
Supplemental Web Site
Privacy Policy
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