Hillcrest Bank values the relationship we share with you and take our duty to respect your privacy seriously. We have prepared this notice to describe how we handle your personal information and explain your choices regarding disclosures to third parties. We will provide a copy of our privacy policy to you at least annually as long as you continue your relationship with us. If we make significant changes to this policy, we will inform you of the changes before they become effective. We thank you for choosing Hillcrest Bank to serve your financial needs!
NON-PUBLIC PERSONAL INFORMATION THAT WE COLLECT
Hillcrest Bank collects non-public personal information about you in order to provide products and services to you, verify your identity, or administer business. We collect, retain, and use information about you from paper or online applications or forms you complete, your transactions with us, your transactions with non-affiliated third parties, and/or a consumer reporting agency. “Non-public personal information” means information that is not readily available from a public source and includes, for example, your assets, income, social security number, account balances, payment history and creditworthiness.
DISCLOSURE OF NON-PUBLIC PERSONAL INFORMATION
Hillcrest Bank’s long-time policy and practice is to not sell or disclose customer information or share non-public personal information about our customers with non-affiliated third parties except where permitted by law. Such instances may include disclosures to service providers to process transactions you initiate, disclosures made at your request, disclosures required by law such as in response to a subpoena or fraud investigation, disclosures to fulfill legal and regulatory requirements such as for an audit or examination, disclosures to other financial institutions, financial regulators, and law enforcement to identify and deter money laundering and/or terrorist financing, and disclosures to a consumer reporting agency.
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 notice. We will not disclose your non-public personal information, except as allowed by law, just as if you had continued your relationship with us.
CONFIDENTIALITY AND SECURITY OF NON-PUBLIC PERSONAL INFORMATION
While collecting your personal information is critical in providing you with superior service, we recognize that your privacy is a vital asset. Thus, we maintain standards to ensure that your non-public personal information is kept private and secure. Hillcrest Bank restricts access to your non-public personal information to only those employees who need the information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information. We train our employees about privacy laws, our privacy policy and procedures, and confidentiality to ensure your non-public personal information is safe.
In addition to Hillcrest Bank’s Privacy Policy, we also have policies in place for Information Security Standards and an Incident Response Program for Unauthorized Access to Customer Information.
MAINTENANCE OF ACCURATE INFORMATION
Especially for identity verification purposes, it is in the best interest of both you and the Bank to maintain accurate records concerning your personal information. Hillcrest Bank has established procedures to ensure that customer information, including non-public personal information, is accurate, current and complete. We also pledge to correct inaccurate information in a timely manner. Further, Hillcrest Bank maintains auditing mechanisms to further protect your personal information by identifying which employees have accessed, updated, modified, or added to your personal information.
AUTHORIZED SHARING FOR MARKETING PURPOSES
Hillcrest Bank strives to provide you, our valued customers, with the financial products and services you need to meet your financial goals. In order to accomplish this, we may occasionally contact you regarding a product or service that may be of interest to you. We may contact you directly or we may enter into a joint marketing agreement with another company such as a financial service provider, mortgage banker, insurance company, direct sales company, or a non-profit organization. As permitted by law, we may share non-public personal information about you with other companies with which we are jointly marketing a product or service. Such information may include, but is not limited to, your name, address, account balances, account activity, types of accounts, payment history, and deposit history. When we share your non-public personal information under these circumstances, we require those companies adhere to our privacy policy and enter into contractual agreements with us that prohibit them from disclosing to other third parties the information we provide to them about you. We also restrict their use of the information to the purpose for which they were hired.
Although we are not required by law to provide the ability to opt out of receiving such information, Hillcrest Bank believes it should be your choice to receive information about products or services that may be of interest to you. If you choose to opt out of the disclosure of non-public personal information to third parties for marketing purposes, you must notify us of your choice in writing and provide your name, and mailing address with the notification. We will provide a form, at your request, for you to complete and return to us. You may give your opt out notification to any of our customer service representatives or mail it to: Hillcrest Bank, ATTN: Deposit Operations, 11111 W. 95th St., Overland Park, KS 66214-1800. You may also notify us of your choice to opt out by writing us via electronic mail at OPTOUT@hillcrestbank.com.. If you have a joint account, a request to opt out by one account owner will apply to all accounts jointly owned by those parties. If you have previously informed us of your choice to opt out, you do not need to do so again. This election will apply to each of your accounts. Please be aware that even though you may elect to opt out of the disclosure of non-public personal information to third parties for marketing purposes, we will still disclose information we collect about you under other circumstances as permitted or required by law, such as to process transactions on your behalf.
INTERNET WEBSITE AND ONLINE BANKING
Hillcrest Bank is committed to providing high levels of security and privacy regarding the collection and use of consumer and customer personal information while visiting our website. The collection of non-public personal information online is designed to protect access to your personal accounts and to assist Hillcrest Bank in providing you with the products and services you need to meet your financial goals. We require multiple layers of security in order to authenticate our customers’ identities prior to allowing online account access. Our stringent security measures ensure that personal information, online account applications, e-mail requests, and other communications provided to us through our secure website are delivered only to approved personnel through an encrypted direct line to the Bank. We will collect and store information about your visits to our website in order to make our website more accessible to you when you visit it. The information collected is also maintained securely and privately.
For your convenience, Hillcrest Bank’s website may contain links to other Internet sites. However, we are not responsible for the privacy or security of those sites. If you are asked to provide information while visiting those sites, we strongly advise you to review their privacy policy before sharing that information.
In compliance with the Children’s Online Privacy Protection Act (COPPA), Hillcrest Bank will not knowingly request information from or advertise to children under the age of thirteen (13) without parental consent. We recognize that protecting children’s identities and confidentiality online is an important responsibility that rests with online operators and the children’s parents.
QUESTIONS
If you have any questions about this policy, please contact our Customer Information Center at 1-800-681-1776.
July 2007 |
