OUR PRIVACY POLICY
We are committed to providing you quality products and services while
protecting your privacy and security. This
Privacy Policy explains what information we collect about you, with whom we
share it, and when you can direct us not to share certain information with
certain parties.
Privacy practices of third parties
We are not responsible for the privacy policies or practices of any
non-affiliated third party. We encourage
you to review their privacy policy before providing them with any personally
identifiable information. Third parties
may collect and use information about you in a way that is different from this
Policy.
Who “we” are
In this Privacy Policy, we, us or our
mean:
Marshall BankFirst Corp.—a
bank holding company and the following wholly owned subsidiaries:
Marshall
Bank, N.A.—a
nationally chartered bank located in
BankFirst—a
Marshall Investments Corporation
Marshall Real Estate Corporation
Marshall Capital Corporation
Marshall Financial, Inc.
We are affiliated companies, under
common ownership. We have combined our
Privacy Policies because you may be a customer of more than one of us, and our
Policies are the same.
A non-affiliated third party is a
company that is not an affiliate as described above and includes any person who
is not employed by us.
Who “you” are
This Privacy Policy will apply to you if you are a consumer who has a
continuing relationship with one or more of us.
A consumer is a natural person (not a
corporation or other legal entity) whose account covered by this Policy is
established for personal, family or household purposes (as opposed to a
business purpose).
If you have a joint account with us, you should share this Policy with the
persons who share your account. They may
not receive a separate notice. If you
have more than one account with us, you may only receive one copy of this
Policy.
The practices described in this Policy also apply to our former customers.
What “information” is
The term information as used in
this Privacy Policy means non-public personal
information. This is a legal term
which generally means:
1)
Information
that can identify you such as your name, address or social security number,
2)
that
is not publicly available, and
3)
that
we collect in connection with providing a financial product or service to you.
In order to provide you with quality products or
services, we collect and maintain information about you.
This includes personal and financial information which is generally not
available to the public. We get this type
of information from various sources, including:
·
Information you provide to us on applications or other forms, whether in
person, by mail, over the telephone or via the Internet.
This information may include, for example, your name, address, social
security number, or date of birth.
·
Information we learn through your financial transactions with us.
This may include information on your account balance, transaction
history, and account usage.
·
Information we receive from a credit reporting agency (credit bureau),
if applicable. This may include your
credit score and credit history.
·
Information we receive from our affiliates and from non-affiliated third
parties, relating to their transaction experience with you.
We do not collect information from minors under the
age of 13 without parental permission.
We
may share between us, information derived from transactions we conduct on your
behalf. Under Federal law, you may not opt-out of disclosure of this information.
We
may also share between us, information you provide to us on applications or
forms or information we receive from credit reporting agencies or other
companies, related to your credit worthiness or payment history.
You may opt-out of the disclosure of
this information as described below.
We
may disclose information we collect to companies that perform services on our
behalf such as preparing and mailing monthly statements or responding to
customer inquiries. We may also provide
this information, except for information from consumer reporting agencies, to
companies who perform marketing services for us or to other financial
institutions with which we have joint marketing agreements.
You may not opt-out of the disclosure
of this information.
We
do not disclose any information about you to non-affiliated third parties,
except as permitted by law.
Our
data security procedures
We restrict access to non-public personal information about you to those persons who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your non-public personal information.
Changes
to this Policy
We may make changes to this Privacy Policy at any time. If we do, we will provide you with a notice of such changes as required by law. This Policy replaces any other previous Privacy Policy about our customer information sharing practices.
Compliance
with State Law
We
will comply with more restrictive state laws to the extent that they apply to
us.
If you prefer that we not disclose non-public personal
information about you with affiliates, you may
opt-out of those disclosures (other than disclosures permitted by law) by
calling us toll-free at the number listed below.
Please allow several weeks for your opt-out request to take effect.
Your election to opt-out will remain in effect until revoked by you in
writing. Please understand that even if
you choose to opt-out, we may continue to share your non-public personal
information with affiliates and certain non-affiliated third parties as
permitted by applicable law.
For more information
Call toll free: 1-877-554-2339
Revised: 02/2011