Since our founding in 1911, American Trust & Savings Bank has built meaningful relationships with generations of families by preserving the integrity and confidentiality of the information shared with us. Protecting your privacy is important to American Trust & Savings Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our clients with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain client information. The following policy serves as a standard for all American Trust & Savings Bank employees for collection, use, retention, and security of nonpublic personal information.
What Information We Collect
We may collect "nonpublic personal information" about you from the following sources:
- Information we receive from you on applications or other loan and account forms;
- Information about your transactions with us or others; and
- Information we receive from third parties such as credit bureaus
"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.
What Information We Disclose
We are permitted under law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with companies related to us by common control of ownership ("affiliates"). We also may share additional information about you or your account (such as information we receive from you in applications and information from credit reporting agencies) with our affiliates. You may direct us not to disclose to our affiliates' information that does not relate solely to our, or our affiliates', experiences or transactions with you or your account(s) (such as the application information and credit bureau information) by calling us at 563.582.1841.
We also are permitted under law to disclose nonpublic personal information about you to "nonaffiliated third parties" (i.e., third parties that are not members of our corporate family) in certain circumstances. For example, we may disclose nonpublic personal information about you to such third parties to assist us in servicing your loan or account with us; to government entities in response to subpoenas; and to credit bureaus. We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.
In addition, we may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing arrangements:
- Information we receive from you on applications or other forms, such as name, address, social security number, assets and income;
- Information about transactions with us, our affiliates or others, such as account balance, payment history, parties to transactions and credit card usage; and
- Information we receive from credit bureaus, such as creditworthiness and payment history.
If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices in this notice.
Our Security Procedures
We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
At American Trust & Savings Bank, we value our client relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have questions about how American Trust & Savings Bank protects your confidential information, please call us at 563.582.1841, or contact us via email.
Online Privacy Information
Visiting our Web Site
We collect and store information about your visit to our web site, such as:
- How many people visit our site
- How many people return to our site
- Which page(s) people visit on our site
- What time(s) people visit our site
Contacting us via Email
Our web site does not require you to disclose any personally identifying information. If, however, you choose to contact us via email, please keep in mind that your e-mail address and any other information your email header shows about you, such as your name or organization, will be revealed to us in the email. We pledge, however, that when you communicate with us via email, we will use your email information only for the specific purpose of responding to your comments or questions. Your email address will not be sold, or shared with organizations outside of the bank, unless we are compelled to do so by law or court order.
When you apply over the Internet for an American Trust & Savings Bank account, we collect personal information in order to process your application. We may retain this information so that we can provide the products and services you request. After you are a client, your Internet banking sessions, including your online transactions, are recorded. This allows us to process and confirm your transaction and to provide you with automatic online reports. This information will not be sold, or shared with organizations outside of the bank. Sometimes, however, it is necessary to share personal information with business partners to provide the product or service you have requested. For example, if you request an American Trust Visa® credit card, we provide only the necessary information to the appropriate partner so that this service can be fulfilled. This partner adheres to using information only as directed by American Trust & Savings Bank.
Our employees are aware of the importance of client confidentiality and privacy. All business with our clients is treated as strictly confidential. Your information is available to only those employees who have a legitimate business need and authorization to access the data. We take appropriate disciplinary measures to enforce employee privacy responsibilities.
Contests, Promotions, Giveaways
From time to time we may solicit information from you for our guestbook, or in connection with a giveaway or drawing. The disclosure of information is entirely voluntary on your part and, if you choose to give it, the personally identifying data will be used primarily to enable us to contact you with additional information about our bank and its products and services.
Questions and/or Concerns?
In order for American Trust to provide you with the maximum benefits and service, we request that you keep your information as up-to-date as possible. If you ever have questions or concerns regarding the accuracy of your personal information at American Trust, please contact us at 563.589.0803, or toll free at 877.279.9210, or you may e-mail firstname.lastname@example.org. We will investigate your concerns and make any changes as needed.