TEXAS STATE BANK
PRIVACY POLICY
CONSUMER PRIVACY AND INFORMATION PRINCIPLES
PRIVACY GOAL
Our goal is to serve you as effectively, and conveniently as possible - but also make you feel confident that your relationship with Texas State Bank is treated with strict confidentiality. We recognize our obligation to keep the information you provide us secure and confidential.
Service, trust, privacy and confidentiality are the guiding principles upon which Texas State Bank's foundation was built. Keeping your financial information secure is one of our most important responsibilities. Our commitment to protect your financial information will continue under the principles and online guidelines described in our "Privacy Policy".
WE RESPECT YOUR CONFIDENTIALITY AND VALUE YOUR TRUST.
INTERNET / ONLINE PRIVACY GUIDELINES
Customers may have privacy concerns regarding Texas State Bank's Services on the Internet. In particular customers might be anxious to ensure that their information is secure, that such information is also covered by our Privacy Policy and that they are aware of and can control Texas State Bank's use of their personal information in the Internet environment.
Texas State Bank is equally concerned about customer's privacy in the Internet world and is committed to its protection. For the security measures Texas State Bank applies, please refer to the SECURITY AND PRIVACY section on Online Banking. Please also know that the Texas State Bank Privacy Policy applies in its entirety to anything consumer customers might do at our Website.
PROTECTING INFORMATION ONLINE
Whether you are a customer or just visiting us Online, we safeguard the information you provide to us at http:/www.texasstatebank.com. How we use and protect this information is described below.
HOW WE HANDLE E-MAIL
We preserve the content of your e-mail address and our responses so that we more efficiently handle any follow-up questions you may have. We also do this to meet legal and regulatory requirements. If we think that a particular Texas State Bank account or service might apply to your situation, we may occasionally contact you at your e-mail address to inform you of potential benefits and availability.
Your e-mails to us should be sent Texas State Bank: contact information
E-Mail correspondence sent over the Internet may not be secure. Since our response to you is not secure, we will not include confidential account information. You may contact us by phone, US mail or by visiting your nearest banking center.
WHAT WE DO WITH ONLINE SURVEYS
The information you provide on promotions on our Website will be used for internal marketing purposes, including developing Website information and services that you might find helpful. In addition, we may inform you of new accounts and services from Texas State Bank based on information you provide us.
PROTECTING YOUR ONLINE BANKING
When you bank online with us, we along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you.
We use state-of-the-art Internet technology to make online banking secure and to protect your personal information. We also require I.D. and password to access your accounts. If you do not provide this information, we cannot establish an online banking service for you.
You can also help maintain the security of your b anking information by not sharing your I.D. or password with anyone, by changing your password regularly, and by remembering to log off.
PROTECTING YOUR PRIVACY ONLINE
Whenever we ask for personal information on our Website, we use Secure Socket Layer (SSL Technology) for transferring data. This technology encrypts or scrambles your account information so it's virtually impossible for anyone other than Texas State Bank to read it.
WHEN INFORMATION IS COLLECTED AND NOT COLLECTED
Some areas of our Website require information, such as your e-mail address or your account number, to enable you to perform certain tasks (for example, review your account or correspond with us). In these cases, we collect your information, if necessary, to interact with you. If you do not interact with us, you browse our Website anonymously, and personal information such as your e-mail address is not collected.
PROTECTING OUR CHILDREN
We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.
COUNT ON OUR COMMITMENT TO YOUR PRIVACY
You can count on us to keep you informed about how we protect your privacy and limit the sharing of information you provide to us - whether at a banking center, over the phone or through the Internet.
LINK TO OTHER SITES
Our Website has links to other sites. In a few cases we link to private organizations, with their permission. Before leaving the Texas State Bank Website, a page will appear informing you that you are leaving our server. Once you link to another site, you are subject to the privacy policy of the new site.
Please note that since we cannot control information on other Internet sites, we are not responsible for the content of sites linked from http://www.texasstatebank.com.
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean Texas State Bank.
This is our privacy notice for customers. When we use the words "you" and "your" we mean the following types of customers:
- Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a :
- Deposit account
- Loan account
- Credit card account
- Safe deposit box
- Former customers
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.
We first define some terms.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
An affiliate is a 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. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
- Information you give us on applications or other forms
- Information about your transactions with us
- Information about your transactions with our affiliates
- Information about your transactions with other parties
- Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to 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 to protect this information
YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions
Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.
INFORMATION ABOUT FORMER CUSTOMERS
We have the same policy about disclosing information about former customers as we do about current customers.
AUTHORIZED SHARING - JOINT MARKETING
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:
- Information you give us on an application or other forms, such as:
We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. We are not required to give you the right to opt out of the disclosure of this information
State Limitations
AL, AK, CA, ID and VT - We will not share this information about customers who reside in Alabama, Alaska, California, Idaho or Vermont.
MA, MS and NJ - We will not share any information derived from deposit relationships with us about customers who reside in Massachusetts, Mississippi or New Jersey.
IL - We will not share this information about our customers who reside in Illinois with other parties.
Type of Business
We may disclose information pursuant to joint marketing agreements to the following types of business:
- Financial service providers, such as:
Reasons For Disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.
YOUR INFORMATION AND AFFILIATES - FUTURE CHANGES
In the future, we may disclose information about you to affiliates, even though we are not doing so now. Here are the kinds of information we may disclose to our affiliates:
- Transaction and experience information from our account records:
- Information about your transactions and experience with us, such as:
- Name
- Address
- Account balance(s)
- Account activity
- Types of accounts
- Payment history
- Deposit history
Federal law allows us to disclose the information listed above with our affiliates. We are not required to give you the right to opt out of the disclosure of this information.
Types of Affiliates
We may disclose information about you in the future to the following types of affiliates:
- Financial service providers, such as:
- Mortgage bankers
- Securities broker-dealers
- Insurance agents
Reasons For Disclosure
We may disclose information about you to our affiliates in the future to provide you with information about additional products and services.
TRUST DEPARTMENT INFORMATION
We do not share any information we collect in connection with offering our trust department services with anyone (except to the necessary to complete transactions authorized by you.)
CONSUMER COMPLAINT NOTICE
Texas State Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against this institution should contact the Texas Department of Banking through one of the means indicated below:
- In Person or U.S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294;
- Telephone No.: 877/276-5554;
- Fax No.: 512/475-1313;
- E-mail:consumer.complaints@banking.state.tx.us;
- Website: www.banking.state.tx.us
FEEDBACK
Texas State Bank is committed to protecting your privacy.
Complaints and comments about this site should be directed to:
Texas State Bank
3900 North 10th
P.O. Box 4797
McAllen, Texas 78502-4797
Other methods of contact