As a customer of Fidelity Bank of Texas, you provide us with important
personal information. This allows us to better satisfy your needs and serve
you most effectively. We are required by Federal regulations to share with
you the types of information that we collect, how it is collected, and with
whom that information is shared. We hope that you will find the following
outline of our information privacy policy useful.
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 will tell
you what information we share about you with other entities. We will explain
what your rights are, and how you can exercise them. If you share an account
relationship with someone else, such as a joint account holder or
co-borrower, we suggest that you share this information with such persons to
ensure that each of you is aware of our policy and your options.
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.
Non-public 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 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 an “other party.”
CATEGORIES OF INFORMATION WE COLLECT
We collect nonpublic personal information about you from the following
sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us;
- Information about your transactions with our affiliates pr
non-affricates third parties;
- Information we receive from a consumer-reporting agency.
YOUR INFORMATION AND OUR AFFILIATES
Below are the kinds of information and the sources of that information that
we may share with our affiliates.
- Information about your transactions with us, our affiliates, or
others
o Name
o Address
o Account balances
o Types of accounts
o Payment history
o Deposit history
We are permitted by Federal law to share the above kinds of information
about you with our affiliates. You may not opt out of any disclosures of
this nature.
Types of Affiliates
We may disclose information about you to the following types of affiliates:
- Financial service providers of insurance, mortgage, and other
banking services
- YOUR INFORMATION AND OTHER PARTIES (NON-AFFILIATES THIRD PARTIES)
We do not disclose any nonpublic personal information about our
customers or former customers to anyone, except as permitted by law.
YOUR INFORMATION AND OUR SERVICE PROVIDERS
We choose carefully those companies that provide services for us (such as
service and processing providers and check printers). These companies are
contractually required to adhere to our strict standards of information
security and confidentiality. They are not allowed to use our customer
information for any purpose other than the intended service.
We may disclose the information we collect, as described above, to companies
that provide service and processing, as permitted by law or the customer
expressly authorizes or requests it.
CONFIDENTIALITY, SECURITY AND ACCURACY
All our employees are governed by a code of conduct that includes the
responsibility to protect the confidentiality of customers’ financial and
other personal information. Employees are bound by this Privacy Policy and
are educated on implementing our security principles and practices. Only
employees actively engaged in their assigned duties are authorized to access
or use customer information. We maintain physical, electronic and procedural
safeguards that comply with federal regulation to guard your nonpublic
personal information.
We do not disclose information about our customers or former customers to
anyone, except as outlined in this policy or as permitted or required by
law, unless the customer expressly authorizes or requests it. Our strict
policies for protecting customer information apply equally to active and
inactive customers. In accordance with standard banking industry practice,
and the Fair Credit Reporting Act, we share customer information with
reputable information reporting agencies.
We work to ensure that the information concerning you is accurate in all
aspects. If we become aware of inaccuracies in our records, we will take
prompt action in making the appropriate corrections.
INTERNET / WEBLINK PRIVACY
Fidelity Bank does not collect identification information from individuals
visiting the banks web site or users of our Internet Banking System.
However, we do collect information relating to usage of the internet website
to determine the frequency and duration of the access to it. In addition to
the collection of this usage data, the Internet Banking System tracts the
numbers of transactions entered by our customers. All of this information is
used to create statistical reports for our site to help the bank determine
better ways for us to serve our customer’s needs. Any information that is
submitted to the bank via e-mail or through submission of applications is
used internally to process requests for services and/or to respond to
customer’s e-mail. This information is not distributed or sold to other
organizations. We are not responsible for the collection, use or security of
information by companies or organizations outside of the Fidelity family
that may be linked to our websites. We encourage you to read the privacy
policies of websites reached through the links from Fidelity websites.
Fidelity Bank uses 128-bit SSL encryption. Your information is encrypted and
scrambled as it is sent across the Internet. Ongoing security reviews and
technology upgrades are constantly being evaluated and implemented as
improvements are developed.
CHILDREN’S ONLINE INFORMATION PRIVACY
We do not knowingly collect, maintain, or use personal information from our
websites about children under age 13. If a child who we know to be under age
13 sends personal information to us online, we will only use that
information to respond directly to that child, notify parents, or seek
parental consent.
NOTICE OF RIGHT TO FILE COMPLAINT
Fidelity Bank of Texas is chartered under the laws of the State of Texas and
by state law is subject to regulatory oversight by the Texas State
Department of banking. Any consumer wishing to file complaint against
Fidelity Bank of Texas should contact the Texas Department of Banking
through one of the means indicated below:
- In person or US Mail:
2601 North Lamar Boulevard
Suite 300,
Austin, Texas 78705-429
- Telephone No.: (877) 276-5554
- Fax no.: (512) 475-1313
- E-Mail: consumer.complaints@banking.state.tx.us
- Website: www.banking.state.tx.us
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