FDIC-Insured - Backed by the full faith and credit of the U.S. Government
WHAT DOES STURGIS BANK & TRUST COMPANY 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 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. |
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What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
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How? | All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Sturgis Bank & Trust Company chooses to share; and whether you can limit this sharing. |
Reasons we can share your personal information | Does Sturgis Bank & Trust Company 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 |
Yes
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For joint marketing with other financial companies |
| No |
| For our affiliates' everyday business purposes | No |
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| For our affiliates' everyday business purposes information about your creditworthiness |
No |
We don't share |
| For our affiliates to market to you |
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|
|
No |
We don't share |
To limit our sharing |
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
Questions? | Call 269-651-9345 or go to www.sturgis.bank |
WHAT WE DO
How does Sturgis Bank & Trust Company protect my personal 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. |
How does Sturgis Bank & Trust Company 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, or other companies. |
Why can't I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. |
What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
DEFINITIONS
Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies: Sturgis Bancorp, Inc; Oakleaf Financial Services, Inc; Oakleaf Financial Services, Inc; First Michiana Development Corporation of Sturgis; Ayres-Oak Insurance Services; Oak Mortgage LLC; and Oak Title Services LLC |
Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. Sturgis Bank & Trust Company 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. Joint marketing partners of Sturgis Bank & Trust Company include other financial service companies, e.g. financial advisors, insurance agencies and credit card companies. |
Our top priority is to provide you, our customer, with outstanding products and services. To achieve this goal, we must collect, maintain and use certain personal and financial information. We recognize and respect your privacy concerns and expectations about this information. We want you to know about our privacy policies and practices.
Collection and Use of Customer Information
We collect, retain and utilize information about you to operate our business and to make products, services and other opportunities available to you. We obtain information in a variety of ways (for example, directly from you in applications, from your transactions or experiences with us, or our affiliates, and from credit bureaus and other third parties). Also, when you visit our web site, we collect information to measure the use of our site and to improve the content of our site.
Maintenance of Accurate Information
We have established procedures to correct inaccurate information in a timely manner. If you have any reason to believe that your personal information is incorrect, we should be contacted in writing. We will investigate the situation and, when appropriate, update our records accordingly.
Protection of Information
We maintain appropriate procedures to protect the security of your information. Employees receive training and understand the importance of confidentiality and customer privacy.