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The RiverBank's Privacy Policy
Overview
We, our, and us, when used in this notice, means The RiverBank.
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
Credit card account
Safe deposit box
Self-directed Individual Retirement Account
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."
THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:
Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with other parties
Information from a consumer reporting agency
INFORMATION COLLECTED VIA COOKIES
As part of our Multifactor Authentication process, when you use our Online Banking product and register your computer as "Private", our system will create a cookie and a flash object to be stored on your computer. This information will be read the next time you log in to verify your computer's identity.
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.
YOUR INFORMATION AND OUR AFFILIATES
We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:
Transaction and experience information from our account records:
Information about your transactions and experience with us, such as:
Name
Address
Account balances
Account activity
Types of accounts
Parties to the transaction
Payment history
Deposit history
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.
Types of Affiliates
We may disclose information about you to the following types of affiliates:
Financial service providers, such as Insurance agents.
Future Affiliate Disclosure
We also reserve the right to disclose information about you in the future with the following additional types of affiliates:
Financial service providers, such as Securities broker-dealers.
YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted by law.
KEEPING UP TO DATE WITH OUR PRIVACY POLICY
We disclose our Privacy Policy to all customers annually. The most current Privacy Policy is posted on our website, www.theriverbank.com. To request a printed copy you may contact us at 888-294-2183.
YOUR CHOICE TO LIMIT MARKETING
The RiverBank is providing this notice.
Federal law gives you the right to limit some but not all marketing from our "affiliates," which in this notice means the following companies: The RiverGroup and The RiverBank Insurance Center. Federal law also requires us to give you this notice to tell you about your choice to limit marketing from our affiliates.
You may limit our affiliates from marketing their products or services to you based on your personal information that we collect and share with them. This information includes your name, address, account balances, account activity, types of accounts, and parties to the transaction, payment history, and deposit history.
Your choice to limit marketing offers from our affiliates will apply for five years from when you tell us your choice. Once that period expires, you will receive a renewal notice that will allow you to continue to limit marketing offers from our affiliates for another five years.
If you have already made a choice to limit marketing offers from our affiliates, you do not need to act again until you receive the renewal notice.
If you have obtained a product or service jointly with another person or persons, you will be given the opportunity to limit marketing just to yourself, or you may limit marketing to all parties to the account.
You may exercise your right to limit marketing offers at any time.
To limit marketing offers, contact us:
By telephone: 1-888-294-2183
By mail: Check the box and complete the information below, and send to:
The RiverBank
304 Cascade Street, P.O. Box 188
Osceola, WI 54020
___ Do not allow any of your affiliates to use my personal information to market to me.
___ Do not allow any of your affiliates to use personal information to market to me or anyone else on this account.
______________________________
Signature
______________________________
Name
______________________________
Street Address
______________________________
City, State, ZIP
_______________ _______________ _______________
Account Number(s)
