Privacy Policy

What Does State Bank of Odell Do With Your Personal Information?

Rev. Date 9/14

Why? Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • account balances and payment history
  • transaction and credit history
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 the State Bank of Odell chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does State Bank of Odell 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 report to credit bureaus		 Yes No
For our marketing purposes –
to offer our products and services to you		 No We Do Not Share
For joint marketing with other financial companies No We Do Not Share
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 No We Do Not Share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We Do Not Share
For non-affiliates to market to you No We Do Not Share
What We Do
How does State Bank of Odell protect my information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.
How does State Bank of Odell collect my information? We collect your personal information, for example, when you
  • Open an account or deposit or withdraw from your account
  • Apply for a loan or provide account information
  • Give us your income information
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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
(See below for more on your rights under state law.)
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies. State Bank of Odell does not share with affiliates.
Non‑Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies. State Bank of Odell does not share with non-affiliates.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. State Bank of Odell does not jointly market.
 
Mobile Privacy Disclosure

FACTS                   WHAT DOES STATE BANK OF ODELL DO WITH YOUR PERSONAL INFORMATION FROM THE MOBILE APPLICATION?

Why?                    The mobile application requests access to information stored on your device such as location, camera, contacts, images, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.


It is important for you to understand that:


  • Before granting access to this information, you will be prompted to give the application that permission.
  • If you do not wish to grant that permission, you may decline.
  • If you later change your mind, those permissions can be updated in your device's settings.


What?                   Some examples of information your app will request access to are:


  • Location - Your location is used to prevent fraudulent activity and to display locations near you.
  • Contacts - Allowing access lets you add contacts to use with features that allow you to send money via your mobile app. We will only add the contacts you choose, and that information will not be shared.
  • Camera/Images - This app uses your camera to capture check images, take picture of receipts, scan ID, scan authorized QR codes and to conduct video chat.


How?                    To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.


The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.


Questions?         Please contact State Bank of Odell at 402-766-3720 regarding questions about the information included in this Mobile Privacy Disclosure or questions about this application.


You can also access the bank’s full Privacy Policy at statebankofodell.com