|
In order for us to deliver First Community Bank's financial products and services efficiently and effective, it is critical that we use technology to acquire and manage nonpublic personal information about our customers. By sharing such information with those nonaffiliated third parties that assist us in offering you our financial products and services and other products and services we hope to make it easier for you to do business with us. When sharing information with these nonaffiliated third parties, we disclose only such information as may be necessary to offer you the applicable product or service. Those nonaffiliated third parties to which we disclose any nonpublic personal information are obligated to keep such information confidential.
Protecting your privacy is important to First Community Bank and our employees. We want you to understand what information we collect and how we use it. We reserve the right to amend this Privacy Policy at any time and deliver a copy of such amendment to you. The following policy serves as a standard for all First Community Bank employees for collection, use, retention, and security of nonpublic personal information.
As we establish and develop relations with you, our customers, we may collect "nonpublic personal information" about you from a variety of sources, such as:
- lnformation we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
- Information about your transaction with us or others, such as your account balance, payment history, parties to transactions, and credit card usage;
- Information about our communications with you, such as requests for copies of checks and our responses, or preapproved credit; and
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
“Nonpublic personal information”
means personally identifiable financial information about you
that is not publicly available and that we obtain in connection
with providing a financial product or service to you. For example,
personally identifiable financial information includes information
regarding your account balance, payment history, and overdraft
history.
Categories of nonaffiliated third parties
to whom we disclose nonpublic personal information:
First Community Bank may disclose nonpublic personal information
about you to the following types of third parties:
- Financial service providers, such as banks, credit card issuers;
and
- Non-financial service providers, such as check printers,
data processors, and statement mailers.
In addition, we may share customer information with companies
that we contract with to provide marketing support and other services.
We may also disclose nonpublic personal information about you
to nonaffiliated third parties as required or permitted by law.
We do not reveal information about current or former customers to anyone, except as disclosed in this policy or as permitted by law.
We may disclose nonpublic personal information, as described above, about you to third-party service providers, to companies who perform marketing services on our behalf, and other financial institutions with whom we have joint marketing agreements. For example, the federal Fair Credit Reporting Act authorizes us to disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to financial institutions who provide credit-card services on our behalf, to government entities in response to subpoenas, and to credit bureaus. Of course, we prohibit these third parties from using your information for any purpose other than fulfilling our contracts with them.
First Community Bank does not sell nonpublic information about you to third parties. However, we as do other financial institutions, select service companies to perform support services on our behalf, such as printing your checks. First Community Bank may also enter into joint marketing arrangements with other financial institutions to make available to you a greater range of financial products than we alone can offer. First Community Bank discloses to these service providers and joint marketers only the nonpublic information they need in order to render the service or to jointly market financial services. First Community Bank carefully chooses such providers and joint marketers and requires them to comply with the standards set forth in this policy and prohibits them from sharing or using any nonpublic information about you solely for their own purposes.
From time to time First Community Bank may sell or pledge a line of business or a portfolio of products (such as certain mortgage loans). First Community Bank reserves the right to disclose customer information relating to these assets to prospective purchasers and/or lenders to aid them in making their offers and to the ultimate purchaser/lender.
We strive to assure that the information we maintain is accurate, current and complete in accordance with reasonable commercial standards. We have established procedures to respond to requests to correct inaccurate information in a timely manner.
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.
If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may "opt out" of those disclosures; that is, you may direct us not to make those disclosures (other than disclosures required or permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may at any time complete the First Community Bank Opt-Out Election Form, checking the box pertaining to disclosures to any nonaffiliated third party, and following the instructions at the top of the page.
You may opt out at any time by completing and mailing the First Community Bank Opt-Out Election Form to First Community Bank, 600 S.W. Railroad Avenue, Hammond, LA 70403.
Please allow a reasonable period of time for us to update our information databases. We will make every effort to comply with your wishes as soon as possible, but in no event later than 60 days after receipt. Your opt-out elections remain in effect until you revoke them in writing.
Note: You may opt out of information sharing by mail; however, we are unable to take opt-out requests over the phone.
First Community Bank's Privacy Policy applies in its entirety to Internet and personal computer transactions including the following information specific to the Internet.
Collecting Information: The information we collect from you as you communicate with us using our web site at http://www.fcb-la.com includes "cookies," your IP address, and your email address.
Cookies: Cookies are small pieces of information sent by us to be stored on your Internet browser, which helps us recognize you and better serve you when you visit our site. We use cookies for marketing (this allows us to present products and services that may be of interest to you), site personalization, web tracking, and online ordering. We do not use cookies to get data from your hard drive or to get your email address or personal identifying information. Most browsers can be configured to inform you when cookies are set or to prevent cookies from being set. Please note, however, that by not accepting cookies you may limit the functionality we can provide when you visit our site.
IP Addresses: Wen you enter our web site, you pass through a "firewall" we use for security purposes. As you pass through it, we identify the Internet Protocol or IP address associated with the devise you're using, such as a personal computer or handheld device. The IP address does not identify you personally, but it does allow First Community Bank to identify the device you are using. We store IP addresses in case we ever need to track a connection to its point of origin for security reasons.
Online Forms and Applications: If you submit an application or form online, we will collect the information you send in an electronic database. This information includes the information you submit on the application or form as well as your IP address. We use this to help us process your request and as a security measure to protect against the loss, misuse, and the alteration of data used in our systems.
E-mail: When you send us an email we will use your email address to reply to you, and, for a limited time, we will store your email address, your message, and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your email address in this manner, we won't use it to let you know about First Community Bank products and services unless you have given us permission, in which case we may let you know by email about other products and services which may be of interest to you. You may reply to any email message we send to you to tel us that you no longer wish to receive future messages from us.
Sharing Information with Outside Companies Co-branded and Alliance Relationships: First Community Bank has established relationships with other parties on the Internet to offer you the benefit of our products and services we may not offer. First Community Bank offers you access to these other companies either through the use of hyperlinks to their sites from our site, or through offering "co-branded" sites in which both First Community Bank and the other company share the same URL, domain name, or pages within a domain name on the Internet. Generally, we do not own the co-branded and alliance companies, and we do not control how those companies' use of any information you supply them. It is important, therefore, that you understand each company's privacy policy if you visit their sites. However, if you are providing information to First Community Bank, we will always adhere to First Community Bank's Privacy Policy.
Third Party Service Providers on the Internet: Occasionally you will notice on First Community Bank.com that services are "Powered by" or "Provided by" content providers or technology service partners. We contract with these providers to help us serve you better. We are selective in choosing these companies, and they are only allowed to use your information for the purpose of providing the services for which we have contracted them to provide.
Children's Information: We respect the privacy of your children, and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.
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.
It is important that you protect against unauthorized access to your accounts. We recommend that you do not share your password and that you exit any application when you are finished using them.
|
