A History of Banking Where You’re Known
with a Future of Moving you Forward
|FACTS||WHAT DOES THE STATE BANK GROUP DO WITH YOUR PERSONAL INFORMATION?|
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.
The types of personal information we collect and share depend on the product or service you have with us. The information can include:
When you are no longer our customer, we continue to share your information as described in this notice.
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||WE DON'T SHARE|
|For joint marketing with other financial companies||YES||NO|
|For our affiliates' everyday business purposes information about your transactions and experiences||NO||WE DON'T SHARE|
|For our affiliates' everyday business purposes information about your creditworthiness||NO||WE DON'T SHARE|
|For nonaffiliates to market to you||NO||WE DON'T SHARE|
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|
|Q. What we do||Answers|
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
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
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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;
Additional information about IP addresses and cookies are provided below.
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.
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.
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.
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.
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.
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.
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 policy, may do so by contacting the Bank,either in writing to the Bank, or by telephone during regular business hours.
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.
Attention: Compliance Officer
7526 Hancock Drive
Wonder Lake, IL 60097
-Revised June 2013