United Cumberland Bank
CUSTOMER PRIVACY PROTECTION POLICY
I. Recognition of a Customer's Expectation of Privacy
At United Cumberland Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority for United Cumberland Bank.
II. Customer Benefits of Institution's Information Management Practices
We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes and we will tell you why we are collecting and retaining it upon your request. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service. Our Use of Information provisions explains these concepts in greater detail.
III. Maintenance of Accurate Information
United Cumberland Bank has established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable commercial standards. We also pledge to respond to requests to correct inaccurate information in a timely manner.
IV. Limitations on Employee Access to Information
At United Cumberland Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all United Cumberland Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.
V. Protection of Information via Established Security Procedures
We safeguard information according to established security standards and procedures, and we continually assess new technology for protecting information. Our employees are trained to understand and comply with these information principles.
VI. Restrictions on the Disclosure of Account Information
It is the bank's policy not to reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence or business matters, unless 1) the information is provided to help complete a customer-initiated transaction; 2) the customer requests or permits it; 3) the disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.); 4) the information is provided to a reputable credit bureau or similar information reporting agency; or 5) the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and given the opportunity to decline.
VII. Maintaining Customer Privacy in Business Relationships with Third Parties
When the bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.
VIII. Providing Privacy Information to Customers and Responding to Inquiries
United Cumberland Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment; we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call United Cumberland Bank at 606-376-5031.
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