YOUR PRIVACY IS
IMPORTANT TO US
From its founding in 1902, The Baltic State Bank has always valued
its customers' privacy highly. We have protected your confidential
information in many ways over the years, and we will continue to
do so in the future. We never lose sight of the fact that our customers'
trust is our most treasured asset. You can rest easy knowing that
our corporate focus is the protection of your privacy in your dealings
with us. If you ever have any questions about the confidentiality
of your information in our hands, please call us at (330) 897-6401.
We appreciate the opportunity to continue to serve your banking
needs and look forward to your continued trust.
We, our, and
us when used in this notice, mean The Baltic State Bank. This
is our privacy notice for our customers. When we use
the words "you" and "your" we meant 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
· Safe Deposit Account
· Retail installment contract we hold and service
· 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:
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 nonaffliated
third party, or simply, an "other party."
THE INFORMATION WE COLLECT
We collect 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
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 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 have the same policy about disclosing information about former
customers as we do about current customers.
AUTHORIZED SHARING - JOINT MARKETING
We may disclose the following information to other financial institutions
with whom we have joint marketing agreements:
Information you give us on an application or other forms, such
We disclose the information listed above with other financial institutions
with whom we have joint marketing agreements. You do not have a
right to opt out of the disclosure of this information.
Types of Businesses
We may disclose information pursuant to joint marketing agreements
to the following types of businesses:
Financial service providers, such as:
Credit and Debit card issuers
Reasons For Disclosing
We may disclose information about you to other financial institutions
with whom we have joint marketing agreements to provide you with
information about additional products and services.
OPT OUT NOTICE
If you prefer that we not disclose nonpublic personal information
about you to nonaffiliated third parties, you may opt out of those
disclosures, that is you may direct us not to make those disclosures
(other than disclosures permitted by law). If you wish to opt out
of disclosures to nonaffiliated third parties, you may do so by
completing a form available in our office.