Protecting your privacy is important to First Community Bank. We want you to understand what information we collect and how we use it. We will tell you the sources for nonpublic personal information we collect on our customers, and the measures we take to secure that information
Important Notice About Customer Information
First Community Bank values the trust and confidence you have placed in us as your financial institution. We believe every customer's personal information should be handled with care. To ensure that we live up to your trust, we have defined the procedures we will use to protect customer information, even to the point of written agreements with our service providers or vendors that they are not to use this information except for our behalf. We want you to understand how we obtain and use information about our customers, but most of all to let you know we value our relationship with you. We will not disclose your nonpublic personal information to nonaffiliated parties, except as permitted by law.
Sources of Information We Collect
So that we can make informed decisions about extending services to our customers, we may collect nonpublic personal information about customers from several sources:
- Information we receive from you on applications or other forms, including financial statements
- Information about your transactions with us
- Information we obtain from a consumer reporting agency
Our Security Procedures That Protect Customer Information
We protect our customers' privacy by restricting access to personal and account information to those employees who need to know that information to provide products or services. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Examples of nonpublic personal information we obtain in providing a financial product or service to you would be your account balance, credit history, overdraft history, and a financial statement.
Authorized Sharing of Customer Information
Information will only be disclosed to third parties under certain conditions such as: To service providers and companies that perform marketing services on our behalf (for example, check printers, payment books, etc.).
- As part of the routine course of business, such as servicing a loan or account with us and sharing with reputable credit reporting agencies.
- As required by law (for example, to government entities in response to subpoenas).
- If we have written permission from the account holder.
Federal law allows us to disclose the information listed above with companies or other financial institutions that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information.
Consumer's Right to Opt-Out
First Community Bank does not currently share personal customer information with non-exempt third parties; therefore you do not have an opt-out option. Currently we have no plans to share any of this information with non-exempt third parties. However, if we would decide to in the future, the opt-out option will be offered to our customers.
We believe that keeping your trust is very important, so if you should have inactive or closed account(s) with us, we will continue to adhere to the policies and practices described in this notice. We value your business and hope you will remain with us for many years to come.
| FACTS | WHAT DOES FIRST COMMUNITY BANK OF TENNESSEE DO WITH YOUR PERSONAL INFORMATION? |
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| 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. |
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| What? |
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. |
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| 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 First Community Bank of Tennessee chooses to share; and whether you can limit this sharing. |
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| Reasons we can share your personal information | Does First Community Bank share? | Can you limit this sharing? |
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| 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 | 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 your creditworthiness | No | We don't share |
| For non-affiliates to market to you | No | We don't share |
| Questions? | Call 931-684-5800 or go to www.firstcommunitybanker.com |
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| Who We Are | |
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| Who is providing this notice? | First Community Bank of Tennessee; Shelbyville, TN |
| What We Do | |
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| How does First Community Bank of Tennessee 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. |
| How does First Community Bank of Tennessee 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.See below for more on your rights under state law. |
| Definitions | |
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| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
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| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
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| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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