We , our , and us , when used in this notice, means Alliance National Bank.
This is our privacy notice for our customers. When we use the words " you " and " your " we mean the following types of customers:
- Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
- Deposit Account
- Loan Account
- Safe Deposit Box
- Self-directed Individual Retirement Account
- Former Customers
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.
We first define some terms:
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."
Alliance National Bank recognizes that you expect a high level of privacy and confidentiality when it comes to your financial affairs and your personal information. We are committed to providing the highest level possible. In the normal course of business we gather nonpublic personal information about our customers and those who transact business with us. We will safeguard and protect this information at all times. In the event you close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice. This Statement is provided for the purpose of informing you of how we gather and protect your information.
Collection of Information
We obtain nonpublic personal information about you when you conduct a transaction with us, such as opening an account or applying for a loan, check card or credit card. Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources such as telephone directories or government records. Information may be obtained directly from you, from credit bureau agencies and from other credit references you may supply to us.
We may collect the following kinds of information about you:
- Information we receive from you on applications or other forms, such as your name, address, Social Security number, assets and income;
- Information about your transactions with us, such as your account balance, payment history, parties to transactions and credit card usage; and
- Information we receive from a consumer-reporting agency, such as information relating to your creditworthiness and credit history.
We collect information about you only when we reasonably believe it will help provide products, services and other opportunities to you. We obtain only information that is necessary to administer our business and is allowed by law.
Use of Customer Information
Personal and financial information about customers is used only for very specific purposes:
- To identify persons involved in transactions and to guard against unauthorized access to funds or information, and to protect customers' accounts;
- To identify additional products or services that may be of value to our customers; and
- To help us identify and avoid potential risks or losses to Alliance National Bank.
Maintaining Information
We have established procedures and controls to ensure that information used is accurate, current and complete in accordance with industry standards. Our procedures are designed to correct inaccurate information in a timely manner whenever it is discovered. We request that you notify us in writing of any changes in your personal information (i.e. address, phone, etc.).
Employee Access to Information
Access to your personal information is only available to those employees with a legitimate need to know. Employees are trained to handle all information in a confidential manner. All employees must adhere to our Privacy Policy as a requirement for continued employment.
Protection of Information by Established Security Procedure
Alliance National Bank will make every reasonable effort to maintain the highest level of security against any unauthorized access to your financial information. In this regard, we will use tight security procedures, employee training, and technology.
Restrictions on the Disclosure of Account Information
We do not disclose information about you or your account(s) outside of Alliance National Bank except for limited exceptions like those below. In order to serve your needs, we may provide all of the information we gather to:
- Credit bureaus and similar organizations and when required or permitted by law. For example, Customer Information may be disclosed in connection with a subpoena or similar legal process, a fraud investigation, and the recording of deeds of trust and mortgages in public records.
- Businesses or other parties to whom you have requested or authorized us to disclose.
- Specialists that perform business operations for us (such as check printing)
- Companies that act on our behalf to market our services, or companies with whom we have entered into a joint marketing agreement in order to provide you with valuable financial services that we do not offer (such as credit cards)
- Others only as permitted or required by law (such as to protect against fraud or in response to a subpoena)
We select very carefully the companies that provide services on our behalf, or offer you financial services that we do not provide. Also, we only provide them with information that we believe is necessary to fulfill their responsibilities or to provide a financial service to you. These companies are prevented by legal agreement from using this information for their own purposes or selling this information to others.
Maintaining Customer Privacy in Business Relationships with Third Parties
Alliance National Bank contracts with outside companies to provide certain specific services. To ensure the confidentiality of your personal information, we require these companies to adhere to our privacy principles. These companies are strictly prohibited from using the information for their own benefit, or allowing any other party to access the information.
Privacy and Confidentiality of Website Activity
Personal information is not collected or recorded upon visiting our website unless you logon to Internet Banking or Bill Payment, or apply for these services. If you send us an email or Feedback form, we will retain the information necessary to respond to you.
We collect information about the number of visitors to the different pages and sections of our website to help us evaluate the site and make it more useable and effective. This information does not identify individuals, but is simply numerical data.
Visitors to Alliance National Bank's Web site remain anonymous. Alliance National Bank does not collect identifying information electronically about visitors to our site. Visitors may elect to provide us with personal information via E-mail. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.
You can help us maintain the security of your banking information by not sharing your ID or password with anyone, by changing your password regularly, and by remembering to sign off after an Internet Banking session.
About Children's Online Privacy
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Alliance National Bank's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, link to the Federal Trade Commission's website at www.ftc.gov/privacy/privacyinitiatives/childrens. For further information, the Federal Government has created a Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.
More Information
For additional information about confidentiality and customer privacy, please visit or write to us at Alliance National Bank, 210 W. Morris Street, Dalton, GA 30720; call us at (706) 279-1600 or visit our website at www.alliancenationalbank.com.
