Introduction

Spivey State Bank recognizes and respects your concerns about the privacy and security of your personal information when transacting business with us in various on-line and off-line ways. We do not sell customer information. We share information only in the very limited ways shown in this notice. We are committed to taking every reasonable precaution to protect and safeguard your privacy. All transactions conducted via the Internet, and all personal information exchanged via the Internet are processed in a secure (encrypted) environment. Spivey State Bank uses cookies only to help identify authorized users. Cookies are not used by the bank in any other way, and are not shared with non-affiliated vendors, except as necessary to help identify authorized users.

Collection and Use of Nonpublic Personal Information

We collect nonpublic personal information for identification purposes to protect the security of your accounts, to help us in administering our business, and to help provide customers with the products and services they want.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, such as your name and address, and social security number;
• Information about your transactions with us, or affiliates, or others, such as your account balance and payment history; and
• Information we receive from a consumer-reporting agency, such as your credit worthiness and credit history.

We may disclose all of the information we collect, as described above, for customers or former customers, to our business partners--companies that perform marketing services on our behalf or other financial institutions with whom we have a joint marketing agreement. We choose our business partners very carefully, and restrict as much as we can the nonpublic personal information that we share with them. They are required by our contract to adhere to strict standards of information security, and are prohibited from using the information in any way other than as intended.

We may also disclose nonpublic personal information about you to nonaffiliated third parties as required or permitted by law, such as in response to a subpoena.

Maintenance of Accurate Information

We have established procedures to insure that your personal information is accurate, current, and complete, in accordance with reasonable commercial standards. We will respond in a timely manner to any questions from you or requests to correct inaccurate information.

We protect your nonpublic personal information as follows:

We restrict access to nonpublic personal 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 that comply with federal regulations to guard your nonpublic personal information.

If you have any questions about your privacy or the accuracy of your account information at any time, or if you have any questions about this Privacy Notice, please contact us.

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