Privacy
Policy Notice
FACTS |
WHAT DOES THE STATE BANK GROUP 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 the sharing. Federal law also requires
us to tell you how we collect, share and protect your personal
information. Please read this notice to carefully understand
what we do. |
What? |
The types of personal information we collect
and share depend on the product or service you have with us.
The information can include:
• Social Security number and income
• account balance and payment history
• credit history and credit score
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 customer's
personal information to run their everyday business. In the
section below, we list the reasons financial companies can
share their customer's personal information; the reasons State
Bank chooses to share; and whether you can limit this sharing. |
Reasons we can share your personal
information |
Does The State Bank Group 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 to report to credit bureaus |
YES |
NO |
| For our marketing purposes - to offer our products and services
to you |
NO |
NO |
| For joint marketing with other financial companies |
NO |
NO |
| For our affiliates' everyday business
purposes information
about your transactions and experiences |
NO |
NO |
| For our affiliates' everyday business
purposes information
about your creditworthiness |
NO |
NO |
| For nonaffiliates to market to you |
NO |
NO |
Questions? Call 815-728-8000
or go to any of your local State Bank Group branches
|
Who
we are |
| Who is providing
this notice? |
THE STATE BANK GROUP |
What we do |
|
| How does The State Bank Group protect my personal information? |
To protect your personal information from unauthorized
access use, we use security measures that comply with federal
law. These measures include computer safeguards and secured
files and buildings. We authorize our employees to get your
information only when they need it to do their work, and we
require companies that work for us to protect your information. |
| How does The State Bank Group collect my personal information? |
We collect your personal information, for example, when
you
• make deposits or withdrawals from your account
• open an account or apply for a loan
• make a wire transfer
We also collect your personal information from others, such as credit
bureaus, 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 nonfinancial companies.
• The State Bank Group does not share
with affiliates. |
| Nonaffiliates |
Companies not related by common ownership or control. They
can be financial and nonfinancial companies.
• The State Bank Group does not share with Nonaffiliates
so they can market to you. |
| Joint Marketing |
A formal agreement between nonaffiliated financial companies
that together market financial products or services to you.
• The State Bank Group doesn't jointly market. |
| Other important information |
Additional Privacy Information for Internet Users
Our commitment to safeguard your privacy also extends to the Internet.
If you are just browsing through our website, we do not request
any personally identifiable information, nor do we collect unique
identifying information about you unless you voluntarily and knowingly
provide us that information, such as when you send us an email
or complete an application online. If you provide us this information,
it is only used internally and in furtherance of the purpose for
which it was provided.
Service providers hosting our website and Internet banking service
may collect general information on our website visitors simply
to help us provide banking and other financial services to you
online. They collect information on our behalf for security and
statistical purposes. The information collected for these purposes
may include:
• The Internet address (referral site) which brought you
to our web site;
• The date and time you access our site;
• The name and version of your web browser;
• The Internet service provider you used when you accessed our site;
• Your Internet Protocol (IP) address; and
• The pages visited in our website and Portal.
Our service providers may use cookies to collect this type of
general information on all website visitors and they may use cookies
for security purposes within our Internet Banking product. Cookies
may also be utilized for customization and personalization of the
Portal. In the future, we may use aggregate, general, non-personally
identifiable information collected through the Internet to help
us market our products and services.
Additional information about IP addresses and cookies are provided
below.
Internet Protocol (IP) Addresses
An IP address is a number that's automatically assigned to your
computer whenever you're on the Internet. Web servers, the computers
that "serve up" Web pages, automatically identify your
computer by its IP address.
When collecting information for us, our internet banking provider
does not link IP addresses to anything personally identifiable,
which means that a user's session will be logged, but the user
remains anonymous.
Our internet banking provider may use IP addresses to audit the
use of our site. They can and will use IP addresses to identify
a user when necessary for security purposes.
What is a Cookie?
A cookie is a very small text file sent by a web server and stored
on your hard drive, your computer’s memory, or in your
browser so that it can be read back later. Cookies cannot “read” information
about you from your computer or be used to “steal” information
about you; and cookies don’t carry viruses. Cookies are
a basic way for a server to identify you (most cookies actually
identify the computer you happen to be using at the time, not
you personally). Cookies are used for many things from personalizing
start up pages to facilitating online purchases. Cookies help
sites recognize return visitors and they perform a very important
function when you engage in secure Internet banking. For your
security, our Service Providers do not store any of your personal
information in cookies. The cookies used in our Internet banking
system and Portal are further described below.
Internet Banking Cookies
Our Internet banking product uses encrypted cookies that do not
pass to your computer’s hard drive. Instead, the cookie
is stored in your computer’s memory, identifying only your
computer while you are logged on. Only our service provider can
read the information in these cookies. This Internet banking
cookie allows us to process multiple transactions during your
session without requiring you to reenter your pass code for each
individual transaction. The cookies for Internet banking simply
provide another level of security for our Internet banking product.
When you log off, or close your browser, the cookie is destroyed.
A new cookie is used for each session. That way, no one can use
the prior cookie to access your account. For additional security,
the cookie expires after 10 minutes of inactivity. It must then
be renewed by reentering your pass code. We do not (and cannot)
use this cookie to collect or obtain new personal information
about you. You must allow your browser to accept this cookie
so you can use the Internet banking product.
Portal Cookies:
Our service provider uses several cookies to provide features within
the Portal. The “Web Trends” cookie is sent to all
Portal visitors in order to help us collect general information
on all Portal visitors. This cookie is sent to your computer
hard drive and provides us information such as; when you accessed
our site, which pages you accessed in the portal, and what Internet
provider you used when you accessed our site. The information
collected through this cookie is not personally identifiable
and is only used for statistical purposes to assist us in our
planning process and our marketing program.
When visitors register on the Portal and select the “Remember
Me” checkbox, our service provider sends an additional cookie
to your hard drive, which enables you to customize the Portal and
bypass the login process each time you revisit the Portal. These
cookies are retained on your computer until you either delete them
or click on the Logout link within the Portal. These cookies only
contain a unique user identification number and do not contain
or collect any personally identifiable information.
When registered users login to the Portal, our service provider
sends an additional cookie called a "per-session" cookie
or "server-side" cookie. This "server-side" cookie
resides in the browser and is only used to monitor the session
by a unique identification number. This cookie is used for security
purposes and you must allow your browser to accept the "server-side" cookie
to use the Portal. The cookie is destroyed after eight hours.
When you click on advertisements of third party merchants within
their Portal, they may also send you a cookie. You do not have
to accept these cookies to use the Portal.
Email Policies
In the future we may send you email notices for certain required
disclosures if you choose to accept electronic disclosures or account
statements. We may also send you emails marketing our products
and services. We offer secure email through our Internet Banking
service. You should use the secure mail service anytime you send
us sensitive personal information.
External Third Party Links
Our website has numerous links to other third party sites. These
links to external third parties are offered as a courtesy and
a convenience to our customers.
WE ARE NOT RESPONSIBLE FOR THE PRIVACY AND SECURITY PRACTICES
OR THE CONTENT OF LINKED THIRD PARTY SITES.
Third party merchants may collect personal information from you
when you visit their websites. For example, they collect personal
information from you when you provide billing information or send
them an email. Some third party merchants may also send you a cookie
to collect data on your Internet usage and preferences. When you
click on advertisements at third party sites, the advertising company
may also send you a cookie. With the exception of our service providers,
we do NOT have access to the information collected by any third
party, nor can we control how they use this information. If you
have questions or concerns about the privacy policies and practices
of linked third parties, please review their websites and contact
them directly.
What Information We Disclose
We are permitted under law to disclose nonpublic personal information
about you to other third parties in certain circumstances. For
example, we may disclose nonpublic personal information about
you to 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 anyone, except as permitted by law.
We may disclose a portion of the customer information that we
collect on our Website and/or Portal to financial institutions
that perform marketing services on our behalf and with whom we
have joint marketing agreements. Our contract requires these financial
institutions to protect the confidentiality of your personal information
to the same extent that we must do. The disclosure of certain information
to these financial institutions can help us market financial products
and services that may be of particular interest to you or save
you money.
Fair Credit Reporting Act Notice
We may share all or portions of customer information collected
with companies in our organization. By sharing information about
your accounts and relationships among our family, we can save
you time and money. It will also be easier for you to access
the wide range of products that we offer. You should know, however,
that the law permits you to direct us NOT to share certain information
with affiliate companies in our organization. If you prefer that
we not disclose nonpublic personal information about you to our
affiliates, you may opt out of those disclosures. That is, you
may direct us NOT to make disclosures (other than those disclosures
permitted by law). If you wish to opt out of disclosures to our
affiliates, you may call the following toll-free number 815-728-8000
ext. 50 or send us email at customerservice@thestatebankgroup.com
If you decide to close your account(s) or become an inactive customer,
we will continue to adhere to the privacy policies and practices
described 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. Employees who violate these standards will be subject
to disciplinary measures. We maintain physical, electronic, and
procedural safeguards that comply with federal standards to guard
your nonpublic personal information.
Our Internet Banking service provider, has also developed security
policies and procedures to protect the customer information that
they must collect and maintain to help us process your banking
transactions over the Internet. They have developed a top-of-the
line security system to ensure your customer information is protected
on the Internet and within the data center environment.
Customers,
who have either specific questions regarding the policy or who
wish to obtain a copy of the entire policy, may do so by contacting
the Bank,either in writing to the Bank, or by telephone during
regular business hours.
Children's Online Privacy
We do not knowingly collect, use, or maintain any information through
our website about children who are under the age of 13. If we
determine that a child under the age of 13 has provided us with
information through our website, we will only use this information
to notify the parents that this information was received.
State Bank
Attention: Compliance Officer
7526 Hancock Drive
Wonder Lake, IL 60097
(815) 728-8000
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