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Protecting your privacy is important to Guaranty Bank & Trust Company. 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 disclosure serves as a standard for all Guaranty Bank employees for collection, use, retention, and security of nonpublic personal information.
We may collect "nonpublic personal information" about you from the following sources:
- Applications or other loan and account forms;
- Your transactions with us or others; and
- 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, overdraft history, income and social security number.
We are permitted by 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, and to credit bureaus. We do not disclose any nonpublic 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.
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 and 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.
Guaranty Bank recognizes its customers' expectations of financial privacy and preserving our customers' trust is one of the core values of our institution and the broader banking community. We therefore resolve to abide by the following guidelines for the responsible use and protection of our customers' information:
- We will always value the trust of our customers and the importance of keeping their personal financial information confidential.
- We will provide our customers with our policy on using their personal financial information responsibly and protecting it.
- We will hold our employees to the highest standard of conduct in ensuring the confidentiality of customer information.
- We will use information responsibly in order to provide our customers with significant benefits, including fraud prevention, improved products and services and to comply with laws.
- We will establish procedures to maintain accurate information and respond in a timely manner to our customers' request to change or correct information.
- We will use a combination of safeguards to protect our customers against the fraudulent use of their information and to prevent unauthorized access to it.
- We will require the companies we do business with to abide by our privacy policy to maintain the confidentiality of our customers' information.
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