Uinta Bank Privacy Policy for Consumers 2007
Trust. Respect. Integrity.Our privacy commitment to you
To learn more about how Uinta Bank manages Customer Information and what actions you can take, please continue reading.
We are committed to respecting and protecting our customers' privacy.
This document includes information about:
- Making the security of information a priority
- Collecting information
- Managing information
- Making sure information is accurate
- Honoring your preferences
- Actions you can take
- Guarding your own information
This policy covers Customer Information, which means personally identifiable information about a consumer or a consumer's current or former customer relationship with Uinta Bank. This policy is provided to you as required by the Federal Financial Privacy Law*.
*15 U.S.C 68016810
1. Making the security of information a priority
Keeping financial information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect Customer Information. Appropriate employees are authorized to access Customer Information for business purposes only. Our employees are bound by a code of ethics that requires confidential treatment of Customer Information and are subject to disciplinary action if they fail to follow this code.
2. Collection information
We collect and use various types of information about you and your accounts to service your accounts, save you time and money, better respond to your needs, and manage our business and risks.
Customer Information is categorized in the following six ways:
A. Identification Information - information that identifies you such as name, address, telephone number and Social Security number.
B. Application Information - information you provide to us on applications and through other means that will help us determine if you are eligible for products you request. Examples include assets, income and debt.
C. Transaction and Experience Information - information about transactions and account experience, as well as information about our communications with you. Examples include account balances, payment history, account usage, and your inquiries and our responses.
D. Consumer Report Information - information from a consumer report. Examples include credit score and credit history.
E. Information from Outside Sources - information from outside sources regarding employment, credit and other relationships that will help us determine if you are eligible for products you request. Examples include employment history, loan balances, credit card balances, property insurance coverage and other verifications.
F. Other General Information - information from outside sources, such as data from public records, that is not assembled or used for the purpose of determining eligiblity for a product or service.
As required by the USA PATRIOT Act, we also collect information and take actions necessary to verify your identification.
3. Managing Information
We manage how and when information is shared:
- Within Uinta Bank
- With companies that work for us
- With third parties
- In other situations
Managing information within Uinta Bank
Uinta Bank may share any of the categories of Customer Information among our companies. For example, sharing information allows us to use information about your ATM, credit card and check card transactions to identify any unusual activity and then contact you to determine if your card has been lost or stolen.
We occasionally receive medical or health information from a customer if, for example, a customer applies for insurance from us. We also may obtain information from insurance support organizations not affiliated with Uinta Bank that prepare and provide reports to others as well as to us. We do not share medical or health information among our companies, except to maintain or collect on accounts, process transactions, service customer requests or perform insurance functions, to the extent permitted by law.
Managing information with companies that work for us
We may share any of the categories of Customer Information with companies that work for us, including companies located outside the United States. All nonaffiliated companies that act on our behalf and receive Customer Information from us are contractually obligated to keep the information we provide to them confidential, and to use the Customer Information we share only to provide the services we ask them to perform. These companies may include financial service providers such as payment processing companies, and nonfinancial companies such as check printing and data processing companies.
In addition, we may share any of the categories of Customer Information with companies that work for us in order to provide marketing support and other services, such as a service provider that distributes marketing materials. These companies may help us to market our own products and services, or other products and services that we believe may be of interest to you. Please note that some of our own companies may provide marketing support and other services for us as well.
Sharing information with third parties for customers with credit cards and Sponsored Accounts only
We may share Identification Information, Transaction and Experience Information, as well as Other General Information we collect about each of your (1) Uinta Bank credit card account(s) and (2) Sponsored Accounts at Uinta Bank, with selected third parties.
(1)Credit card account information, whether co-branded or not, may be shared with third parties; and
(2)Sponsored Account information may be shared with third parties. Sponsored Accounts are non-credit card accounts or services provided by Uinta Bank that are also endorsed, co-branded or sponsored by other organizations.
Examples of these organizations include colleges, sporting teams, retailers and other affinity organizations, such as charities. Sponsored Accounts may include deposit accounts or other banking services provided by Uinta Bank, such as a savings account co-branded with an automobile club. You will know whether an account is a Sponsored Account by the appearance of the name or logo of the sponsoring organization on account materials, such as statements, applications and online forms.
We may share information about credit cards and Sponsored Accounts with selected third parties including:
- Financial services companies (such as insurance agencies or companies and mortgage brokers, and organizations with whom we have agreements to jointly market financial products);
- Nonfinancial companies (such as retailers, travel companies and membership organizations); and
- Other companies (such as nonprofit organizations).
Information shared, as described in this section, is limited to credit card and Sponsored Account information only. You may elect to opt out of this sharing. Please see Section 5, Honoring Your Preferences.
Disclosing information in other situations
We also may disclose any of the categories of Customer Information 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, fraud prevention or investigation, risk management and security, and recording of deeds of trust and mortgages in public records. Customer Information may also be disclosed to companies that process your requests for products or services or in connection with the sale of your account to another financial institution. We also may share any of the categories of Customer Information outside Uinta Bank companies when we have your consent, such as when you request a specific insurance rate quote from a third-party insurer.
4. Making sure information is accurate
Keeping your account information accurate and up to date is very important. You have access to your account information, which includes your contact information, account balances and transactions and similar information, which we provide to you through various means, such as account statements, telephone banking, Online Banking and in response to specific requests. If your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or appropriate address for such changes listed on your account statement, bank records or other account materials. We will promptly update or correct any erroneous information.
5. Honoring your preferences
You have choices when it comes to how Uinta Bank shares and uses information.
Sharing information with third parties for customers with credit cards and Sponsored Accounts only
If you have a Uinta Bank credit card or Sponsored Account, you may request that we not share information about these accounts with third parties. If you are unsure whether any of your accounts are Sponsored Accounts, please contact 1.307.782.7400. If you request that we not share information with third parties, we may still share information:
- where permitted or required by law as discussed in Section 3 under Disclosing information in other situations;
- with our service providers as discussed in Section 3 under Managing information with companies that work for us; and
- with other financial companies with whom we have joint marketing agreements.
If you do not have a credit card or Sponsored Account, this section does not apply to you.
If you have multiple credit cards or Sponsored Accounts, you will need to express your preference for each account separately. When any customer on a joint account requests that we not share with third parties, we apply that preference to the entire account.
Sharing among the Uinta Bank family of companies
You may request that Application Information, Consumer Report Information and Information from Outside Sources not be shared among Uinta Bank companies. Information is shared among Uinta Bank companies to complete applications for new products or services that you request, thereby saving you time, and to manage our business and risks. During the normal course of doing business, we will continue to share Identification Information, Transaction and Experience Information, as well as Other General Information among our companies.
For sharing among Uinta Bank companies, each customer may tell us his or her preferences individually, or you may tell us the preferences for any other customers who are joint account owners with you.
Direct Marketing
You may choose not to receive direct marketing offers - sent by postal mail, telephone and/or e-mail - from Uinta Bank. These preferences apply to all marketing offers from us and from companies working for us. To minimize the amount of telephone solicitation our customers receive, Uinta Bank does not offer nonfinancial products and services through telephone solicitations. Direct marketing offers from us may include information about products and services we believe may be of interest to you. If you choose not to hear from us, you may not learn about beneficial offers.
If you elect not to receive direct marketing offers by postal mail, telephone and/or e-mail, please note that we may continue to contact you as necessary to service your account and for other nonmarketing purposes. You may also be contacted from assigned account representative if applicable. Uinta Bank may also continue to provide marketing information in your regular account mailings and statements, including online and ATM communications.
Each customer may opt out of each direct marketing option individually. Since marketing programs may already be in progress, it may take up to twelve weeks in some situations for your opt out to be fully effective in some situations. When you opt out of direct marketing by postal mail or telephone, your opt out will last for five (5) years. After that, you may choose to renew your opt out for another five year period.
6. Actions you can take
You can tell us your preferences by:
- Calling us at 1.307.782.7400
- Talking to a customer representative at a banking center
When you contact us, please be prepared to provide the following information for each individual:
- First name, middle initial and last name
- Address, city, state and ZIP code
- Account or reference number for third party sharing opt-outs
- Telephone number (if applicable)
- E-mail address (if applicable)
If any of these pieces of information change, other than your account number, please notify us to ensure that your preferences are consistently honored.
Reducing direct marketing from other companies
You may contact the following agencies if you want to reduce the amount of advertising you receive from companies outside Uinta Bank:
- Credit Reporting Industry. To have your name taken off all pre-approved credit solicitations (not just Uinta Bank solicitations), you may call the credit reporting industry Prescreening Opt-Out number at 1.888.5OPTOUT (1.888.567.8688).
- National Do Not Call Registry. Uinta Bank supports the National Do Not Call Registry. To have your phone number added to the National Do Not Call Registry, you may call 1.888.382.1222 or register at donotcall.gov. While this will stop most calls, you may still receive calls from businesses where you are a customer
7. Guarding your own information
Uinta Bank recommends that you take the following precautions to guard against the disclosure and unauthorized use of your account and personal information:
- Review your monthly account statements thoroughly and report any suspicious activity to us immediately.
- Report lost or stolen checks, credit or debit cards immediately.
- Do not preprint your driver's license or Social Security number on checks.
- Safeguard ATM, credit and debit cards. Memorize PINs (personal identification numbers) and refrain from writing PINs, Social Security numbers or credit card numbers where they could be found.
- Tear up or shred any pre-approved credit offers to which you do not respond.
- Review your credit report at least once every year. Make sure all information is up to date and accurate, and have information relating to fraudulent transactions deleted. For a free copy of your credit bureau report, contact www.annualcreditreport.com or call 1.877.322.8228.
- If you think you have been a victim of identity theft or fraud, contact one of the three major credit bureaus to place a fraud alert on your account. You may also contact the Federal Trade Commission (FTC) to report any incidents of identity theft and to receive additional guidance on steps you can take to protect yourself. You may contact the FTC at www.consumer.gov/idtheft or 1.877.438.4338.
Keeping up to date with our Privacy Policy
As required by law, Uinta Bank will provide notice of our Privacy Policy annually, as long as you maintain an ongoing relationship with us. To receive the most up-to-date Privacy Policy, you can visit our Web site at www.UintaBank.com or call us at 1.307.782.7400.
We may make changes to this policy at any time and will inform you of changes, as required by law.
