WHAT
DOES BANKTRUST 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:
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Social Security number
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Account balances
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Transaction history
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Credit history
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Overdraft history
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Checking account information
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 BankTrust chooses to share; and
whether you can limit this sharing.
Reasons
we can share your personal information
Does
BankTrust 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
Yes
No
For joint marketing with other financial companies
Yes
No
For our affiliates' everyday business purposes -
information
about your transactions and experiences
BankTrust
means the following institutions: BankTrust and BancTrust
Financial
Services,
Inc.
What We Do
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.
We
also maintain other physical, electronic and procedural safeguards to protect
this
information and we limit access to information to those employees for whom access is appropriate.
How does BankTrust collect my personal information?
We
collect your personal information, for example, when you
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Open an account
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Apply for a loan
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Make deposits or withdrawals from your account
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Provide employment information
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Provide account information
We
also collect your personal information from others, such as credit bureaus, affiliates,
or other companies.
Why can't I limit all sharing?
Federal
law gives you the right to limit only
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sharing for affiliates' everyday business purposes -
information about your creditworthiness
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affiliates from using your information to market to you
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sharing for nonaffiliates to
market to you
State
laws and individual companies may give you additional rights to limit
sharing.See below for more on your
rights under state law.
Definitions
Affiliates
Companies
related by common ownership or control. They can be financial and
non-financial
companies.
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BankTrust does not share with
our affiliates.
Nonaffiliates
Companies
not related by common ownership or control. They can be financial and non-financial
companies.
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BankTrust does not share with nonaffiliates so they can market to you.
Joint Marketing
A
formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
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Our joint marketing partners
include a credit card company.
Other
Important Information
For Massachusetts, Mississippi and New Jersey
Customers. We will not share personal
information from deposit or share relationships with nonaffiliates
either for them to market to you or for joint marketing - without your authorization.
