CTS

 

FACTS WHAT DOES VILLA GROVE STATE BANK 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
  • Account balances
  • Payment history
  • Credit hisory
  • Credit car or other debit
  • Employment 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 Villa Grove State Bank chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does Villa Grove State Bank 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 legalinvestigations, or report to cred it bureaus

Yes No

For our marketing  purpose

to offer our products and services to you
No We don't share
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes - information  about your transactions and experiences No We don't share
For our affiliates' everyday business purposes - information about you r creditworthi ness No We don't share
For nonaffiliates to market to you No We don't share

 

What We Do
How does Villa Grove State Bank 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.

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 Villa Grove State Bank collect my personal information?

We collect your personal information, for example, when you

 

  • Open an account          
  • Give us you r contact information
  • Apply for a loan          
  • Show your government-issued ID
  • Make deposits or withdrawals from your accou

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

  • sharing for affiliates everyday business purposes - information about you r creditworthiness
  • affiliates from using you r information to market to you
  • 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
      • Villa Grove State Bank does not share with our affiliates

       

 

  • Nonaffiliates
    • Companies not related by common ownership or control. They can be financial and non-financial companies.
      • Villa Grove State Bank 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.
  •  

      • Villa Grove State Bank doesn't jointly market.

 

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without you r authorization. We will also limit our sharing of personal information about you with our affiliates to com ply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share persona information from deposit or share relationships with nonaffiiliates either for them to market to you or for joint marketing - without you r authorization.

For Vermont Customers. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorizations.

 

Questions Call 217-832-2631

 

Rev. 10/2013