Privacy Statement
It is the policy of The Bank of River Oaks to not disclose non-public personal information except as required by law. Financial services organizations are now required to disclose their privacy position and practices to their consumer customers. We, the Board of Directors, Officers, and Employees of The Bank of River Oaks herein adopt the following Privacy Policy Notice.
OUR PRIVACY PLEDGE TO YOU:
| FACTS |
WHAT DOES THE BANK OF RIVER OAKS DO WITH YOUR PERSONAL INFORMATION? |
| 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 and income
- account balances and payment history
- credit history and credit scores
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 The Bank of River Oaks chooses to share; and whether you can limit this sharing
|
| Reasons we can share your personal information |
Does The Bank of River Oaks share? |
Can you limit this sharing? |
For our everyday business purposes -
such as to process your transactions, maintain
your account(s), respond to court orders and legal
investigations, or report to credit bureaus
|
Yes |
No |
For our marketing purposes -
to offer our products and services to you
|
No |
N/A |
| For joint marketing with other financial companies
|
No |
N/A |
For our affiliates' everyday business purposes -
information about your transactions and experiences
|
No |
N/A |
For our affiliates' everyday business purposes -
information about your creditworthiness
|
No |
N/A |
| For our affiliates to market you
|
No |
N/A |
| For our nonaffiliates to market you
|
No |
N/A |
Questions
Call 713-520-6257 or go to www.bankofriveroaks.net
| What we are |
| Who is providing this notice |
The Bank of River Oaks |
| What we do |
| How does The Bank of River Oaks
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
|
| How does The Bank of River Oaks collect personal information? |
We collect your personal information, for example when you:
- Open an account
- Pay your bills or apply for a loan
- Use your debit card
We also collect your personal information from others, such as credit bureaus, affiliates and 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 law and individual companies may give you additional rights to limit sharing.
|
| Definitions |
| Affiliates |
Companies related by common ownership or control. They can be financial and non financial companies |
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and non financial companies. |
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. |
|
