| FACTS |
WHAT DOES CLAYTON BANK and TRUST DO WITH YOUR PERSONAL INFORMATION? |
| Why? |
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 transaction history
- Account balances and payment history
- Credit history and account transactions
|
| What? |
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. |
| 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 customer’s personal
information; the reasons Clayton Bank and Trust chooses to share;
and whether you can limit this sharing. |
| Reasons we can share your personal information |
Does Clayton Bank and Trust 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 |
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 nonaffiliates to market to you |
No |
We don't share |
| Who we are |
| Who is providing this notice? |
Clayton Bank and Trust |
| |
| What we do |
| How does Clayton Bank and Trust 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, secured files
and buildings.
|
| How does Clayton Bank and Trust collect my personal information? |
We collect your personal information, for example, when you
- open an account or provide information
- pay your bills or apply for a loan
- pay us by check
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 |
| Affiliates |
Companies related by common ownership or control.
They can be financial and nonfinancial companies.
- American City Bank
- Bank of Camden
|
| Nonaffiliates |
Companies not related by common ownership or control.
They can be financial and nonfinancial companies.
- Clayton Bank and Trust does not share with
non-affiliates so they can market you.
|
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
- Clayton Bank and Trust doesn’t jointly market.
|
| |
