PRIVACY DISCLOSURE
INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms,
- Information about your transactions with us, our affiliates, or others,
- Information we receive from a consumer-reporting agency
- Information we receive through our Customer Identification Program
TYPES OF NONPUBLIC PERSONAL INFORMATION WE MAY DISCLOSE
We may disclose the following kinds of nonpublic personal information about you:
- Information we receive from you on applications or other forms, such as your name, address, social security number, assets, income, and age
- Information about your transactions with us such as your account balance, payment history, and parties to transactions
- Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.
TYPES OF NONAFFILIATED THIRD PARTIES TO WHOM WE MAY DISCLOSE
We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:
- Financial service providers, such as:
- Security Broker Dealers (Investments/Securities)
We may also disclose nonpublic personal information about you to other parties as permitted by law.
CONFIDENTIALITY AND SECURITY
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to protect this information.
TRUST DEPARTMENT INFORMATION
We do not share any information we collect in connection with offering trust department services with anyone (except to the extent necessary to complete transactions authorized by you).
JOINT ACCOUNTS
A single opt-out notice received from any joint account owner will be considered as a request from all of the account owners to opt-out.
FAIR CREDIT REPORTING ACT
In this notice, we have explained our policy about the disclosure of certain information. We have explained the kinds of information we may disclose to other parties. We have also explained the kinds of other parties with whom we may disclose the information. If you prefer that we do not disclose information to these other parties, you may opt out of those disclosures. You may direct us not to make those disclosures (other than the disclosures permitted by law). Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.
OPT – OUT DISCLOSURE
If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may do so by checking the box below, sign the form and either return the form to us via U.S. Mail at:
Bank of Cadiz & Trust Company
P. O. Box 2020
Cadiz Ky 42211
or return the opt-out disclosure to one of our locations.
If you previously sent us an opt-out, then we will continue to apply your instruction to the information you asked us not to disclose. You do not need to return another opt-out form.
Do not share my information with nonaffiliated third parties.
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Signature
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Name(s)
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Name(s)
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Last 4 digits of social security number
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P.O. Box Number
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Street Address
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City, State, ZIP
