First National Bank of Waseca recognizes and respects the privacy expectations of each customer's right to privacy. Customers have an expectation that the personal information provided to us is to be kept confidential. We believe that protecting each person's right to privacy is essential to the quality of our customer relationships. We want you to understand what information we collect, how we use it, and how we safeguard your nonpublic personal information.
What Does First National Bank of Waseca 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. The following information will help you to understand what we do.
The types of personal information First National Bank will collect and share depend on the product or service you have with us. This information can include:
- Social security number and income;
- Account balances and payment history;
- Transaction history and checking account information
When you are no longer our customer, we continue to share your information as described in this policy.
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 National Bank of Waseca chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
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. First National Bank does share for these purposes and you cannot limit this sharing.
For our marketing purposes - to offer our products and services to you. First National Bank does share for these purposes and you cannot limit this sharing.
For joint marketing with other financial companies - First National Bank does not share your information for this purpose.
For our affiliates' everyday business purposes - information about your transactions and experiences. First National Bank does share your information for this purpose and you cannot limit this sharing.
For our affiliates' everyday business purposes - information about your creditworthiness. First National Bank does not share your information for this purpose.
For nonaffiliates to market to you - First National Bank does not share your information for this purpose.
How Does First National Bank Protect My 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 First National Bank Collect My Personal Information?
We collect your personal information, for example, when you
- Provide account information or open an account
- Show your government issued ID or apply for a loan
- Make deposits or withdrawals from your account
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 your creditworthiness
- Affiliates from using your 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.
Definitions To Help You Understand Our Policy
Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include: Frankson Investment Corporation.
Nonaffiliates - Companies not related by common ownership or control. They can be financial or nonfinancial companies. First National 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. First National Bank doesn't jointly market.
Our Internet Web Site
When you visit our web site, we may collect and store information about your visit on an anonymous, aggregate basis. This information may include the time and length of your visit, the pages you visit on our site, and the site you visited just before coming to ours. We may also record the name of your Internet service provider. We use this information only to measure site activity and to develop ideas for improving our site.
In the future, there may be several opportunities on our web site for you to provide us with information about you and your financial needs, including your name, mailing address, e-mail address and other information. If at that time you choose to share any nonpublic personal information with us, we may store it and use it for marketing purposes to the extent allowed within this policy