PersonalBusiness

 

 

 


 

 


Privacy Statement

 

Rev. 06/2014
FACTS WHAT DOES CHARTERBANK 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
  • Payment history
  • Income
  • Social Security number
  • Account balances
  • Assets
  • When you are no longer our customer, we continue to share your information as described in this notice.

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

    Reasons we can share your personal information
    Does CharterBank share?
    Can you limit this sharing?
    For our everyday business purposes -
    such as to process your transactions, maintain your accounts(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
    No
    We don't share
    For our affiliates' everyday business purposes -
    information about your creditworthiness
    No
    We don't share
    For non-affiliates to market to you
    No
    We don't share

    Questions? Call toll-free 1-800-763-4444 or go to www.charterbank.net

    Who we are
    Who is providing this notice?

    CharterBank


    What we do
    How does CharterBank 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.

    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 CharterBank collect my personal information?

    We collect your personal information, for example, when you

  • Open an account
  • Make deposits or withdrawals from your account
  • Apply for a loan
  • Show your driver's license
  • Use your credit or debit card
  • 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 non-affiliates 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 non-financial companies.

    • CharterBank does not share with our affiliates.

    Non-affiliates

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

    • CharterBank does not share with nonaffiliates so they can market to you.

    Joint Marketing

    A formal agreement between non-affiliated financial companies that together market financial products or services to you.

    • Our joint marketing partners include financial companies.

    Other Important Information

     



     


     

     


     



     


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