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Privacy Policy

WHAT DOES Community Banks of Shelby County 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 income
  • Account balances and payment history
  • Credit history and credit scores

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 consumer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their consumer's personal information; the reasons Community Banks of Shelby Co. chooses to share; and whether you can limit this sharing.


Reasons we can share your personal informationDoes CBSC 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 bureausYesNo
For our marketing purposes- to offer our products and services to youYesNo
For joint marketing with other financial companiesNoWe don't share
For our affiliates' everyday business purposes- information about your transactions and experiencesNoWe don't share
For our affiliates' everyday business purposes- information about your creditworthinessNoWe don't share
For our affiliates to market to youNoWe don't share
For nonaffiliates to market to youNoWe don't share

Questions? Call www.communities1st.com or go to www.communities1st.com

Who we are

Who is providing this notice?

Community Banks of Shelby County
P.O. Box 157, Cowden, IL. 62422

What we do

How does CBSC 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 CBSC collect my personal information?

We collect your personal information, for example, when you

  • open an account or open an account
  • deposit money or deposit money
  • show your driver's license.

We also collected your personal information from others such as a credit bureau, 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 nonfi nancial companies.

  • We also collected your personal information from others such as a credit bureau, affiliates or other companies.
Nonaffiliates

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

  • We also collected your personal information from others such as a credit bureau, affiliates or other companies.
Joint marketing

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

  • We also collected your personal information from others such as a credit bureau, affiliates or other companies.

Other important information

Illinois State Law prohibits the sharing of non-public information unless the sharing of information is requested by the customer to conduct transactions or is permitted by law.

 
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