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Privacy
NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS
We, our, and us, when used in this notice, mean Commercial State Bank of El Campo.
This is our privacy notice for our 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(n):
- Our consumer customers who have a continuing relationship by
purchasing or holding financial products or services such as a(n):
- Deposit account
- Loan account
- Safe deposit box
- All IRA accounts for which we act as custodian
- 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 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.
INFORMATION ABOUT FORMER CUSTOMERS
We have the same policy about disclosing information about former customers as we do about current customers.
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
- Information about your transactions and experience with us, such
as:
- Federal law allows us to disclose the information listed above with our affiliates. You do not have a 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:
- Insurance agents
- Life insurers
- Property and casualty insurers
YOUR INFORMATION AND JOINT MARKETERS - FUTURE CHANGES
In the future, we may disclose information about you to joint marketers, even though we are not doing so now. Here are the kinds of information we may disclose to these marketers:
- Information you give us on an application or other forms, such as:
- Name
- Address
You may not opt out of the disclosure of the information listed above.
Types of Joint Marketers
We may disclose information about you in the future to the following types of joint marketers:
- Financial service providers
Reasons for Disclosing
In the future we may disclose information about you to joint marketers to provide you with information about additional products and services.
Limitations on Disclosure
Here are the limitations we will impose on the use of information disclosed to joint marketers:
- We only allow direct mail solicitations.
- We do not allow telephone solicitations.
INTERNET PRIVACY
Visitors to this Commercial State Bank’s Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:
- Date and time our site was accessed
- IP address (a numeric address given to computers connected to the Internet)
- Web browsers used
- City, state and country
The bank uses this information to create summary statistics and to determine the level of interest in our site. Visitors may elect to provide us with personal information via email or online registration forms. This information is used internally, as appropriate to handle the sender's request. It is not disseminated or sold to other organizations.
Our website is not targeted or marketed to children.
EXTERNAL SITE DISCLAIMER
At certain places on this site, there are links to other web sites. Commercial State Bank does not endorse, approve, certify or control those external sites and does not guarantee the accuracy, completeness, efficiency, timeliness or accurate sequencing of the information contained on them. Commercial State Bank cannot be responsible for protecting any personal information you may provide to those web sites. Please examine each external link's privacy statement before providing information.
TEXAS NOTICE
This institution is chartered, licensed, or registered 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
