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Privacy Policy
FACTS: What does St. Simons Bank & Trust do with your personal information?
Printable Privacy Policy
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number
- Account balances
- Payment history
- Credit history
- Account transactions
- Checking account information
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons St. Simons Bank & Trust chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information |
Does St. Simons Bank & Trust share? |
Can you limit this sharing? |
|---|---|---|
|
For our everyday business purposes – |
Yes | No |
|
For our marketing purposes – |
No | We don’t share |
| For joint marketing with other financial companies | No | We don’t share |
|
For our affiliates' everyday business purposes – |
No | We don’t share |
|
For our affiliates' everyday business purposes – |
No | We don’t share |
|
For nonaffiliates to market to you |
No | We don’t share |
Questions? Call (912) 638-1190
Who We Are
Who is providing this notice? – St. Simons Bank & Trust means St. Simons Bank & Trust.
What We Do
How does St. Simons Bank & Trust protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does St. Simons Bank & Trust collect my personal information?
We collect your personal information, for example, when you
- Open an account
- Give us your contact information
- Apply for a loan
- Provide your mortgage information
- Provide account information
We also collect your personal information from others, such as credit bureaus or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
- sharing for affiliates' everyday business purposes - information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
See below for more on your rights under state law.
Definitions
Affiliates – Companies related by common ownership or control. They can be financial and non-financial companies.
- St. Simons Bank & Trust has no affiliates.
Nonaffiliates – Companies not related by common ownership or control. They can be financial and non-financial companies.
- St. Simons Bank & Trust does not share with nonaffiliates so they can market to you.
Joint Marketing – A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- St. Simons Bank & Trust doesn't jointly market.
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Customers. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.
Please contact us if you have any changes to the information you have supplied St. Simons Bank & Trust or if you would like to be removed from our database.
This Privacy Policy may be updated or modified at any time without notice, so you are urged to revisit this policy periodically.