You have the right to know the privacy policies and practices of the financial institutions you deal with in respect to information sharing with both affiliates and nonaffiliated third parties. This notice describes our privacy policies and practices.
Definitions
We will use certain terms in this notice that are defined as the following:
We, our and us. This will always mean Headwaters State Bank.
You and Your. This means our customers with whom we have a continuing relationship through one or more accounts, and also consumers who may use a service we provide (such as an ATM) without any real account relationship or someone who may have applied for a loan but was declined.
Publicly available information. Information that is lawfully available to the general public from official public records (such as real estate records or securities filings), information from widely distributed media (such as telephone books, television, radio or newspaper) or information that is required to be disclosed to the general public by Federal, State or Local law (such as securities filings).
Nonpublic personal information. Personally identifiable financial information that is not available from public sources (as described above).
Affiliate. Any company under common control with another company.
Nonaffiliated third party. Any person(s) or corporate entity that is not an affiliate or is not a joint employee of a financial institution and a third party.
Consumer Reporting Agency. A person or business which makes a practice of collecting and evaluating consumer credit information for the purpose of furnishing consumer reports to third parties.
Categories of Information We Collect
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications and other forms;
Information about your transactions with us, our affiliates or others;
Information we receive from a consumer reporting agency.
Categories of Information We May Disclose About You
We do not disclose any nonpublic personal information about our customers, or former customers, except as permitted by law.
Confidentiality and Security
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.
Our Web Site
We collect certain non-personal information about visits to our website in order to improve the quality of our site for our customers.
