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We, our, and us, when used in this notice, means Standard Bancshares, Inc., Standard Bank and Trust Co. and the Boulevard, Inc. This is our Privacy Notice for our customers. When we use the word “you” and “your” we mean the following types of customers: All of our consumer customers who have a continuing relationship with us, such as: Deposit Account; ATM/Debit Card; Safe Deposit Box; Loan Account; Trust Account.
The following types of loans we hold and service:
Home Equity Loan; Home Equity Line; Residential Mortgage; Retail Installment Loan (secured & unsecured); Overdraft Protection; Self- directed Individual Retirement Account where we act as custodian or trustee; financial, investment, or economic advisory services (for a fee) through our Trust Company; Home Mortgage Brokerage; Affiliate insurance services through The Boulevard, Inc.
We will tell you the sources of nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information. We first define some terms. Nonpublic personal information is generally any information that is not publicly available and that: You provide to us to obtain a financial product or service; results from a transaction between you and us involving a financial product or service.
Nonpublic personal information does not include information that we believe is available from public sources, such as telephone directories or government records.
An affiliate is any 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. A nonaffiliated third party is a company that is not an affiliate of ours.
The information that we collect:
We collect nonpublic personal information about you from the following sources: Information we receive from you on applications or other forms; information about your transactions with us; information about your transactions with nonaffiliated third parties; information from a consumer reporting agency.
Nonpublic personal information we disclose about you and former customers:
We do not disclose nonpublic personal information about our customers or former customers, except as permitted by law.
Service provider/joint marketing exception:
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Such information may include your name, address and phone number.
The confidentiality, integrity and security of your nonpublic personal information:
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 standards to guard your nonpublic personal information.
Additional Information:
We reserve the right to change this Notice, and to apply changes to information previously collected, as permitted by law. We will inform you of any changes as required by law.
If you cease to be our customer (for example, your credit account is closed or becomes inactive), our practices in this Notice, as changed from time to time, will continue to apply to the extent that we retain nonpublic personal information about you.
Except as expressly noted, this Notice relates only to nonpublic personal information and does not affect our information practices with respect to other information.
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