Bank of Pontiac is committed to providing the highest level of security and privacy regarding the collection and use nonpublic personal information. This Privacy Policy is being provided to you to explain how we safeguard your personal information and to comply with the guidelines set forth by the Gramm-Leach-Bliley Act. This Act deals in part with how financial institutions treat nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION is defined as information about you that the bank gathers in connection with providing a product or service to you. It includes any list, description, or other grouping of consumers that is derived using personally identifiable financial information that is not publicly available. A detailed description of Bank of Pontiac's Privacy Policy is provided below. If you have additional questions regarding the privacy of your personal information, contact us.
| FACTS |
WHAT DOES BANK OF PONTIAC 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:
• Social Security number and income
• 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 Bank of Pontiac chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information |
Does Bank of Pontiac 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 |
No |
We don't share |
| For joint marketing with other financial companies |
No |
We don't share |
For our affiliates’ everyday business purposes—
information about your transactions and experiences |
No |
We don't share |
For our affiliates’ everyday business purposes—
information about your creditworthiness |
No |
We don't share |
| For nonaffiliates to market to you |
No |
We don't share |
| Questions? |
Call 1-815-844-6155 |
| What we do |
| How does Bank of Pontiac 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. |
| How does Bank of Pontiac collect my personal information? |
We collect your personal information, for example, when you
• open an account or deposit money
• pay your bills or apply for a loan
• use your credit or debit card
We also collect your personal information from others, 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 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.]
|
| Definitions |
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
• Bank of Pontiac has no affiliates |
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• Bank of Pontiac does not share with nonaffiliates so they can market to you |
| Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Bank of Pontiac doesn’t jointly market |
| Other important Information |
| Illinois law requires that you opt-in to information sharing. Therefore, before we would share your information with a third party, except where permitted by law, we will obtain your permission. |
You may also download a copy of this policy.
Disclosure of Privacy Policies
Bank of Pontiac is committed to ensuring the privacy of its customers' nonpublic personal information. For more information regarding the Bank of Pontiac Privacy Policy, contact us. |
