The Bank of Clarke Consumer Privacy Notice applies to customers, applicants, and former customers. It details our privacy and security practices regarding our relationship with you and provides instructions on how to limit the sharing of your information. This notice does not apply to business or commercial customers.
WHAT DOES BANK OF CLARKE
DO WITH YOUR PERSONAL INFORMATION?
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.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Bank of Clarke chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Bank of Clarke County 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
For our marketing purposes – to offer our products and services to you
For joint marketing with other financial companies
For our affiliate’s everyday business purposes –
information about your transactions and experiences
We do not share
For our affiliate’s everyday business purposes –
information about your creditworthiness
We do not share
For nonaffiliates to market to you
We do not share
What we do
How does Bank of Clarke 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. Our employees are bound by our code of conduct and policies to access consumer information only for legitimate business purposes and to keep information about you confidential.
How does Bank of Clarke collect my personal information?
We collect your personal information, for example, when you:
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:
State laws and individual companies may give you additional rights to limit sharing.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
This Policy describes the types of information we may collect from you or that you may provide when you visit the website bankofclarke.bank (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.
This Policy applies to information we collect:
It does not apply to information collected by:
Children Under the Age of 16
Our Website is not intended for children under 16 years of age. No one under age 16 may provide any information to or on the Website. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on this Website or through any of its features, register on the Website, make any purchases through the Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or username you may use. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at [email protected].
Information We Collect About You and How We Collect It
We collect several types of information from and about users of our Website, including information:
We collect this information:
Information You Provide to Us
The information we collect on or through our Website may include:
Information We Collect Through Automatic Data Collection Technologies
As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
The information we collect automatically may include personal information, and we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:
We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.
How We Use Your Information
We use information that we collect about you or that you provide to us, including any personal information:
We may also use your information to contact you about our own and third-parties’ products and services that may be of interest to you. If you do not want us to use your information in this way, please contact us at [email protected].
Disclosure of Your Information
We aim to keep your information for only as long as we need it to carry out the purpose for which it was collected, or as required by applicable laws and regulations. We may retain your questions and feedback in order to improve the Website or our services. Do not send us any information, ideas, suggestions, proposals or comments that you consider confidential or that you wish to be treated as confidential.
Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:
We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way.
Accessing and Correcting Your Information
You can review and change your personal information by logging into the Website and visiting your account profile page. You may also send us an email at [email protected] to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
Rights of Certain Users
Subject to local law, you may have certain rights with regard to your personal information. To learn more about the personal information we collect about you or the rights you may have, please contact us at the contact information below. These rights may include the following rights to (1) access or rectify your personal information or request its deletion, (2) request a restriction on the processing of your personal information, (3) object to the processing of your personal information, or (4) exercise other rights with respect to your personal information. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect. While we strongly encourage you to first raise any questions or concerns about your personal information directly with us, you may have a right to lodge a complaint with the relevant supervisory authority.
Our offices and business are in the U.S., and our Website is hosted in the United States and is intended for users in the U.S. We do not intentionally target business internationally, including in the European Union. If you are a consumer accessing the Website or using our services from the European Union, Asia, or any other region with laws or regulations governing personal data collection, use and disclosure that differ from U.S. laws, your continued use of our Website and/or services, which is governed by U.S. law and these terms, indicates your consent to transfer of your personal information to the U.S.
Your California Privacy Rights
We abide by California law where applicable for any California residents using the Website. You can request access to and/or revision of certain personal information by contacting us as described below. If you wish to limit the emails you receive from us, you can let us know by contacting us. California residents can make certain requests about their personal information under the California Consumer Privacy Act (“CCPA”). Specifically, if you are a California resident, you may request that we:
California residents can also designate an authorized agent to make access and/or deletion requests on their behalf. We will take reasonable steps to verify your identity before responding to a request for access and/or deletion from you or your designated agent. The CCPA further provides you with the right to not be discriminated against (as provided for in applicable law) for exercising your rights. Please note that certain information may be exempt from such requests under California law.
If you are a California resident and would like to exercise any of legal rights under the CCPA, please contact us at [email protected].
The CCPA also sets forth certain obligations for businesses that “sell” personal information. Pursuant to the definition of “sell” under the CCPA and current guidance, we do not engage in such activity and have not engaged in such activity in the past twelve months, including for minors under the age of sixteen.
If you are a California resident, California law requires us to provide you with information regarding how we collect, use, and share your “personal information” (as defined in the CCPA). We describe the categories of information we collect, our business purposes for collecting such information, the sources and uses of such information and the entities to which we share such information in this Policy.
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like message boards. The information you share in public areas may be viewed by any user of the Website.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
For more information, please view our security policies below.
Bank of Clarke County
2 East Main Street
Berryville, Virginia 22611
At Bank of Clarke County, we are aware of concerns about security and the safety of financial information transmitted on the Internet. Whether it is safeguarding your password or offering fraud-protection products, our top priority is to protect you and your finances. That is why we use the latest technology and encryption software designed to protect your personal information and privacy.
Here is what we offer to protect you:
ID Theft (or Identity Theft) occurs when someone uses your personal information to commit fraud or other crimes. By obtaining a few pieces of confidential personal information, the thief can open accounts using your identity. Learning how to protect yourself and what to do if you suspect that your identity has been stolen are important steps in stopping this crime.
How to Protect Yourself from ID THEFT:
More Information on ID THEFT:
Bank of Clarke County encourages you to learn more about ID THEFT and the government's campaign to educate consumers on the dangers of this crime. For more information about ID THEFT and what to do if you suspect that you are a victim of ID THEFT, please visit the following link:
Federal Trade Commission - ID THEFT
Phishing (pronounced "fishing") is an internet scam that uses e-mails to trick people into providing confidential account information. These e-mails may appear authentic because the sender's e-mail address and the linked site that the recipient is instructed to visit have been spoofed (i.e. "faked"). Using the trusted name of a reputable business, such as a bank, increases the success of these scams.
How to Protect Yourself from Phishing:
More Information on Phishing:
For more information about phishing and how to avoid being a victim of this scam,
please visit the following link:
Federal Trade Commission - How Not to Get Hooked by a 'Phishing' Scam.
Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigations. www.ftc.gov/bcp/edu/microsites/idtheft or call 1-877-438-4388.
While Bank of Clarke County has taken numerous steps to keep your account information secure, there are several things that you can do to help safeguard your financial information while it is in your computer: