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Privacy Policy

Download the PDF version of our Privacy Policy here.

FACTS

WHAT DOES FIRST STATE FINANCIAL
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   and Account Transactions
  • Payment History              and Overdraft History
  • Account Balances            and Checking Account Information
   

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 State Financial chooses to share; and whether you can limit this sharing.

   

Reasons we can share your personal information

Does First State Financial 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

Yes

No

For our marketing purposes—
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes—
information about your transactions and experiences

Yes

Yes

For our affiliates’ everyday business purposes—
information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For non-affiliates to market to you

No

We Don’t Share

   

To limit
our sharing

  • Call 800-248-5950
  • Visit us online: via email to: This email address is being protected from spambots. You need JavaScript enabled to view it.
Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

   

Questions?

Call 800-248-5950  or go to www.firststatefinancial.net

       

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Who we are

Who is providing this notice?

First State Financial

   

What we do

How does First State Financial 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 State Financial collect my personal information?

We collect your personal information, for example, when you

  • Deposit Money            or Apply for a loan
  • Open an Account        or Make a wire transfer
  • Give us your income information

We also collect your personal information from others, such as credit bureaus, affiliates, and 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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

   

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include Asset Protection Management Inc., First State Insurance Inc., and FSB Insurance Inc., First State Investments Inc., and First State Bancshares Inc.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • First State Financial does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include securities broker-dealers and secondary market mortgage lenders.
   

Other important information

Rev 06/2013

 

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