| We,
our, and us, when used in
this notice, mean Cedar Valley Bank & Trust.
This is our privacy notice for our customers. When we use
the words "you" and "your" we mean the
following types of customers:
Our consumer customers who have a continuing relationship
by purchasing or holding financial products or services such
as a(n):
- Deposit account
- Loan account
- Safe deposit box
- Insurance policies issued by or through us
- Annuities
- Former customers
We will tell you the sources of the information we collect
about you. 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. Hereafter, we will use the term "information"
to mean nonpublic personal information as defined in this
section.
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.
A nonaffiliated third party is a
person we do not employ or a company that is not an affiliate
of ours. This is also known as nonaffiliated third party,
or simply, an "other party."
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with other parties
Information from a consumer reporting agency
Information we receive as a result of verifying customer information
THE CONFIDENTIALITY, SECURITY, AND
INTEGRITY OF YOUR INFORMATION
We restrict access to 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
to protect this information.
YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except
as disclosed in this policy or as permitted by law. Examples
of this might include disclosures necessary to service your
account or prevent unauthorized transactions.
INFORMATION ABOUT FORMER CUSTOMERS
We have the same policy about disclosing information about
former customers as we do about current customers.
AUTHORIZED SHARING - JOINT MARKETING
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:
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.
State Limitations
We will not share this information about customers who reside
in the following state(s):
California
We will not share this information about our customers who
reside in Illinois with other parties.
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
Reasons For Disclosing
We may disclose information about you to other financial
institutions with whom we have joint marketing agreements
to provide you with information about additional products
and services.
CEDAR VALLEY BANK &
TRUST
La Porte City IA 50651 Vinton IA 52349
319-342-2850
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