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 Privacy Policy

Rev. 4/2013

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 your address, telephone number, and date of birth;
·         Credit History and other information we receive from a consumer reporting agency;
·         Payment History and information about your transactions with us or others.
 
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 Bank of Delight chooses to share; and whether you can limit this sharing.
 
 
Reasons we can share your personal information
Does Bank of Delight
     share?
 
Can you limit this sharing?
For our everyday businesspurposes—
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
 
YES
 
 
NO
For joint marketing with other financial companies
 
NO
 
We don’t share
For our affiliates’ everyday businesspurposes—
information about your transactions and experiences
 
NO
 
We don’t share
For our affiliates’ everyday businesspurposes—
information about your creditworthiness
 
NO
 
We don’t share
For nonaffiliates to market to you
 
YES
 
NO
 
QuestionsCall (870) 379-2293 or go to www.bankofdelight.com

Who we are:
 
Who is providing this notice?
 
Bank of Delight, P.O. Box 68, Delight, AR 71940
 
What we do:
How does Bank of Delight
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.
Also, our employees are educated about the importance of confidentiality and customer privacy.
How does
collect my personal information?
We collect your personal information, for example, when you
·         Open an account or deposit money
·         Pay your bills or apply for a loan
·         Use your debit card
 
The Bank of Delight does not share your nonpublic personal information except as permitted by law.
 
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 nonaffiliated to market to you
 
State laws and individual companies may give you additional right to limit sharing.
 
Definitions:
Affiliates
 
Companies related by common ownership or control. They can be financial and nonfinancial companies.
·         The Bank of Delight does not have any affiliates.
Nonaffiliates
 
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
·         Affinion Group, c/o Customer Service, 6 High Ridge Park, Stamford, CT, 06905, Telephone (800) 282-3315
Joint marketing
 
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
·         The Bank of Delight does not have any joint marketing agreements.
Other important information
The Bank of Delight works hard to keep your data secure. You can help by following these tips to protect your data:
1.     Store personal data in a safe place and tear up or shred old receipts and account statements;
2.     Protect your PINs and other passwords. Do not share them with anyone unless it’s for a service or a transaction you requested.
3.     Do not respond to emails or phone calls requesting account numbers, passwords, or PINs. Call the institution to verify the legitimacy of the email or phone call. 
4.     Check account statements carefully to ensure all charges, checks, or withdrawals are authorized.
5.     Guard your mail from theft. Promptly remove incoming mail.

*Email is not a "secure" method of communication.  We advise you NOT to send any personal information (ex: name, social security #, account #, etc) via email.  Our Online Banking has a feature called "SECURE MESSAGING" which transmits data directly to Bank of Delight without ever using the world wide web.  You may submit your questions within Online Banking and feel confident that your personal information is safe.  Protecting your personal information is priority at the Bank of Delight.  If you have any questions concerning this, please do not hesitate to contact us. 
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