OUR POLICY ON CONFIDENTIALITY
Protecting your privacy is important to Kirkpatrick Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all Kirkpatrick Bank employees for collection, use, retention, and security of nonpublic personal information.
WHAT INFORMATION WE COLLECT
We may collect "nonpublic personal information" about you from the following sources:
* Information we receive from you on applications or other loan and account forms;
• Information about your transactions with us or others; and
• Information we receive from third parties such as credit bureaus.
"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.
WHAT INFORMATION WE DISCLOSE
We are permitted under law to disclose nonpublic
personal information about you to other third
parties in certain circumstances. For example, we
may disclose nonpublic personal information about
you to third parties to assist us in servicing your
loan or account with us, to government entities in
response to subpoenas, to companies that perform
marketing services on our behalf or to other
financial institution with whom we have joint
marketing agreements, and to credit bureaus. We do
not disclose any nonpublic personal information
about you to anyone, except as permitted by law. 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. .
OUR SECURITY PROCEDURES
We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
ONLINE PRIVACY POLICY
Welcome to Kirkpatrick Bank's web site. In this section, we will explain our policy regarding any nonpublic personal information you might supply to us when you visit this web site. As a matter of principle, Kirkpatrick Bank is committed to safeguarding your nonpublic personal information obtained through our web site the same way we protect nonpublic information obtained through any of our other delivery channels—at our main bank, branch, our ATM’s and by telephone.
At Kirkpatrick Bank the gathering, maintenance and sharing of information within our organization is paramount in providing you with effective and convenient banking products and services. Also, to serve you effectively and conveniently, we have to utilize modern technology and consumer information. However, we realize you are concerned about privacy and our use of the nonpublic personal information you give us. Accordingly, we pledge to continually review our procedures and policies in the interest of protecting your privacy. Our Internet privacy policy, briefly described below, is included in our comprehensive customer information privacy policy that has been disseminated to all of our employees.
Collection, Use, Retention and Destruction of Consumer/Customer Information
Kirkpatrick Bank collects, uses and retains certain nonpublic personal information through our web site to identify and communicate with you. We collect and use this information to provide you with products and services that you initiate; to help us respond to specific questions that you ask; and to inform you about other financial services that may be of interest to you. We may also use this information to comply with certain laws and regulations that may apply to us and to help us design or improve our products and services.
As a general policy, Kirkpatrick Bank does not automatically collect or store information concerning visitors to our web site. However, we will collect and store general information such as:
The name of the domain from which you access the Internet (for example, msn.com if you are connecting from the Microsoft Network or aol.com if you connecting from America Online).
The Internet address of the Web site from which you linked directly to our site, if any (for example, www.yahoo.com if you find us using the Yahoo search option).
The type of web browsing software you are using to view our site such as Netscape Communication or Microsoft Internet Explorer. The date and time you access our site.
Additionally, after consumer/customer information is collected, the Bank will retain such information only as long as it is useful to the administration of a consumer/customer’s relationship or the provision of particular products and services to a consumer/customer or as required by Federal and state mandates. Afterwards, such information will promptly be destroyed.
MAINTENANCE OF ACCURATE INFORMATION
We strive to ensure our records are up-to-date and precise in accordance with commercial standards. We also have procedures for timely correction of inaccurate information after we become aware of the inaccuracy. In addition, various state and federal laws impose specific obligations and standards on us with respect to the accuracy of information we maintain, and the correction of erroneous information. If you ever find that our records are incomplete, inaccurate or not current, please call the telephone number on your account statement; contact us via postal mail or contact us by E-mail. Subsequently, pending investigation, we will correct the information in a timely manner.
EMPLOYEE ACCESS TO CUSTOMER INFORMATION
All Kirkpatrick Bank employees are required to follow our customer information privacy policy. The policy provides that all employees are obligated to keep our customer’s nonpublic personal information confidential and never discuss or disclose such information inside or outside of Kirkpatrick Bank unless required to transact proper bank business.
Kirkpatrick Bank has policies and procedures restricting access to nonpublic personal customer information to those employees with a business reason to know such information. We educate our employees to recognize the importance of client confidentiality and we have reserved the right to take appropriate disciplinary measures to enforce employee confidentiality responsibilities.
PROTECTION OF INFORMATION AND ACCOUNT DATA
Customer records are stored in a secure location at all times. Computer-generated customer information is protected by a robust encryption* technology. Kirkpatrick Bank maintains security standards and procedures to help prevent unauthorized access to your nonpublic personal customer information. Additionally, we continuously update and test our technology to improve the protection of our information about you and to assure the integrity of that information.
BROWSER AND ENCRYPTION
Restrictions on Disclosure of Account Information
We do not disclose nonpublic personal information (i.e., deposit and credit card account numbers or access codes) about customers to nonaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies, to maximize the accuracy and security of such information, or in the performance of bona fide corporate due diligence, unless:
The information is provided to help complete a customer initiated transaction;
The customer requests it;
The disclosure is required by law (e.g., subpoena, summons, or warrant, etc.);
The customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline (i.e., "opt out")
Disclosure of Privacy Principles to Customers
We want you to understand our commitment to customer information privacy and our use of information. For this reason, we have prepared these privacy guidelines.
This policy specifically applies to individuals. Kirkpatrick Bank reserves the right to make changes to this policy and to our related procedures at any time. As we make changes to our policy, we will update this web page.
Unless specifically authorized by beneficiaries, our customer information privacy policy prohibits disclosure to parties outside the Bank, of the existence or administration of a trust, except to comply with a law, regulation or judicial proceeding or as deemed necessary in the administration of the trust.
SPECIFIC WEB SITE INFORMATION
Cache Storage of Information
Internet browser software typically stores—Caches—information from the Web site being visited on the hard drive of the user. This means that information viewed or input during a visit to a web site can usually be viewed again by merely hitting the "BACK" button in your browser. Some web sites issue a "no-cache" command to browsers to prevent this temporary storage. To provide better service to you, our visitor, we do not send this command to the browser.
To better protect your personal information, you should clear your cache of information from your computer periodically. Instructions for clearing this cache are included on your browser.
Cookies
In order to provide you better service, we may use a "cookie". A cookie is a small piece of information given to your PC browser by a web site, which can later be retrieved. A cookie is a way for a web site to recognize whether or not you have visited the site before. The cookie cannot be read by a web site other than the one that "set" the cookie. We use cookies for administrative purposes, such as where we store a password, or where you are able to customize the information you see. Recording cookies at such points makes your online experience easier and faster. Most of our cookies last only through a single visit. They do not read your hard drive or contain any information that you have not already provided. None will contain information that will enable anyone to contact you via telephone, e-mail or “snail mail”. Your web browser can be set to inform you when cookies are set or to prevent them from being set.
Email
We preserve the content of your email, your email address and our response so that we can better serve you. Depending on the content of your Email, we may be required by existing laws and regulations to keep this information.
If you send Email to us, please remember that Email is not secure against interception. If your Email contains information that is very sensitive or includes nonpublic personal information such as; an account number, charge card number or social security number you may want to send this information via postal mail.
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